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Progress not Perfection

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  • beanielou
    beanielou Posts: 100,143 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Read about the floods in Lanzarote. Glad it’s not near where you are going. 
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** in ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger.
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  • Rhyddid2026
    Rhyddid2026 Posts: 1,332 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Definitely look into moving to the coast, that sounds like an excellent idea!
    Debts                04/01/25       01/06/26  
    Natwest X2        £14,122.71     - 
    Barclaycard        -                    £9,800
    Lloyds CC          £6,112.60      £3,795
    1st Direct CC     £176.03         £0
    CC total             £20,411.34    £13,595
    OD                     £1100            £0
    Car loan             £4,000          £3,200
    1st Direct Loan  £10,684.44    £6,110
    Total                  £36,195.78    £22,905
    EF £2,100
    HF £168.49
  • foxgloves
    foxgloves Posts: 13,407 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    That's certainly what we're planning to do re retiring to the coast. It could be just the push your daughter needs towards independence.
    F
    2026's challenges: 1) To rebuild our Emergency Fund to at least £5k.
    2) To read 50 books (12/50) 3) The Re-Shrinking of Foxgloves 8.1kg/30kg
    Remember....if you have to put it on a credit card, extend your overdraft or take out a loan to buy whatever it is, you probably can't afford it, as that's not your money, it's somebody else's!
  • doingitanyway
    doingitanyway Posts: 10,925 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    You should move to the coast absolutely. But then I would say that wouldn't I  :)
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 1400/1000
    Buffer fund 100/100
    Debt Free (again) 25/07/2025
  • enthusiasticsaver
    enthusiasticsaver Posts: 16,313 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    My friend has her 40 year old DD living with them. She won’t move out frustratingly so my friend is worried about what will happen if she wants to sell up or move if her DH gets any more incapacitated than he is. Tricky but her DD never did the Uni thing so never moved out after leaving education. My two did Uni then shared houses then bought their own apart from the odd month here or there between accommodation changes. 

    I can see you enjoying coastal walks when you retire and agree it is high time your DD gained some independence. Tough when Mr SA is already quite selfish (whether or not due to brain injury) so dealing with your DD as well is not good when she behaves like sulky teenager. 
    I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
    Save £12k in 2026 Challenge £12000/£9500
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  • carolbee
    carolbee Posts: 1,827 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Ooh yes, move to the coast, we live in Kent and get lovely sunsets 🌅 
    Carolbee
  • ladyholly
    ladyholly Posts: 4,108 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I would say go ahead and move to the coast but be aware you may not have all the facilities you have in a larger town or city depending where you are thinking of. You also may have lots of visitors blocking up the shops in the summer but it is nice and peaceful in the winter. I have lived on the coast in two different places since 1978 and love to watch the sea in the evening when the tourists are having dinner etc.

    I think it is past time your dd moved out. Mine left home at 16 and was going to college and supporting herself by working a lot of hours. She had a bedsit with a shared bathroom and was very happy, It is not quite so easy these days with rents being so high. Our dgd left home at 18, one to go to uni where she met her partner and the other moved in with her boyfriend which didnt work out so she returned home for a short time until she found a new one and has been living with him for about 3 years now.
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