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Second home for about 10 years
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Don't forget that in buying a second property you'll be subject to the additional 3% stamp duty on a second home, and at some point you might get stung for a premium rate of council tax with it being a second home. You won't be able to claim single person's 25% CT discount on it either.You're going to effectively be looking at paying standing charges on 2 homes for your energy and water, all these things are small, but lots of small adds up.Make £2026 in 2026
Prolific £177.46, TCB £10.90, Everup £27.79, Roadkill £1.17
Total £217.32 10.7%Make £2025 in 2025 Total £2241.23/£2025 110.7%
Prolific £1062.50, Octopoints £6.64, TCB £492.05, Tesco Clubcard challenges £89.90, Misc Sales £321, Airtime £70, Shopmium £53.06, Everup £106.08, Zopa CB £30, Misc survey £10
Make £2024 in 2024 Total £1410/£2024 70%Make £2023 in 2023 Total: £2606.33/£2023 128.8%1 -
A colleague and a friend of mine used to live on a rented houseboat somewhere near Richmond/Twickenham. I visited them in winter a few times and it was OK. I believe it was cold and snowy that winter as I distinctly remember we made a snowman... If I go that way, I will definitely rent a houseboat for a month to see if I can manage.Section62 said:Having a significant percentage of their exterior surface immersed in water, houseboats are a great place to stay cool in the summer, but without extensive (and space-consuming) insulation, they can be horrendous to keep warm in the winter.
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Emily_Joy said:
A colleague and a friend of mine used to live on a rented houseboat somewhere near Richmond/Twickenham. I visited them in winter a few times and it was OK. I believe it was cold and snowy that winter as I distinctly remember we made a snowman... If I go that way, I will definitely rent a houseboat for a month to see if I can manage.Section62 said:Having a significant percentage of their exterior surface immersed in water, houseboats are a great place to stay cool in the summer, but without extensive (and space-consuming) insulation, they can be horrendous to keep warm in the winter.There's plenty of information online. Boats can be very warm and cosy, or they can be cold. Keeping them warm involves plenty of insulation, plus the extra effort involved in off-grid fuel for heating....E.g.
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I used to work with somebody whose husband did contract work. They bought a narrowboat and he would moor up closest he could get to his work and move it between jobs.
Make £2026 in 2026
Prolific £177.46, TCB £10.90, Everup £27.79, Roadkill £1.17
Total £217.32 10.7%Make £2025 in 2025 Total £2241.23/£2025 110.7%
Prolific £1062.50, Octopoints £6.64, TCB £492.05, Tesco Clubcard challenges £89.90, Misc Sales £321, Airtime £70, Shopmium £53.06, Everup £106.08, Zopa CB £30, Misc survey £10
Make £2024 in 2024 Total £1410/£2024 70%Make £2023 in 2023 Total: £2606.33/£2023 128.8%0 -
I once had the romantic idea of buying a boat up north, living in it while gradually making my way down through the UK, selling it for a healthy mark-up once I got to London, heading north again and repeating. Until I came to my senses and realised I knew nothing about boats.4
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I have several friends living (very happily) permanently on narrow boats so it can be done. Obviously, you need to do your homework and know what you're taking on.
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Narrowboats can definitely be cold. Another alternative could be a residential park home. Site fees should be very low because its residential not holiday, and you could get a more conventional 'house', with garden, parking, gas central heating, mains supplies etc. Choose carefully and it has a very good resale value to others who need somewhere to live when working away. Plus you don't have to pay to 'dry dock' a park home to have the hull scraped etc.What I do not give, you must never take by force.
Mortgage outstanding - 30/12/22 - £25,900. 31/01/23 - £22,300. 28/02/23 - £20,500. 31/03/23 - £17,500. 30/04/23 - £15,800. 30/05/23 - £13,800. 31/06/23 - £11,300. 31/07/23 - £9,800. 31/08/23 - £8,300. 30/09/23 - £6,000. 31/10/23 - £3,000. 30/11/23 - £1,200. 06/12/23 - £00.00
God save us everyone, As we burn inside the fire of a thousand suns, For the sins of our hands, The sins of our tongues, The sins of our fathers, The sins of our young. Linkin Park0 -
It appears there are no residential moorings in Surrey and as far as I can see residential park homes are for people somewhat older than I am. So I am afraid I am back to boring options.
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Boring options can be exciting.... with the right company... Pity I'm not 50 years younger...Emily_Joy said:It appears there are no residential moorings in Surrey and as far as I can see residential park homes are for people somewhat older than I am. So I am afraid I am back to boring options.
However, everything is relative? I dangled a few options in front of you in my post above... where I reviewed the 9 types of properties I've owned (not counting the one for 5 years in Puglia- but that's a bit far from Surrey...) as options you might consider? But I didn't mention the 50-60 transient "homes" I had prior to that; a caravan, tied accommodations, hotels, B&Bs, Hostels and Homeless Persons' Units before finally getting a Council Flat in an estate in (pre-trendy) Brixton.
All the subsequent boring Leaseholds, Freeholds and Shared Freeholds which I suggested for you therefore seem, in relative terms, like "sheer luxury" ( to quote the iconic 1970's Monty Python skit) in that they were, or still are, mine!
Enjoy the Space Capsule0 -
Residential park homes are NOT only for older people, you will be looking at retirement sites. There are some specifically for families, and there are those for no children. You pick and choose your sites. However, you may not wish to pursue this avenue which is why you made the statement without research.What I do not give, you must never take by force.
Mortgage outstanding - 30/12/22 - £25,900. 31/01/23 - £22,300. 28/02/23 - £20,500. 31/03/23 - £17,500. 30/04/23 - £15,800. 30/05/23 - £13,800. 31/06/23 - £11,300. 31/07/23 - £9,800. 31/08/23 - £8,300. 30/09/23 - £6,000. 31/10/23 - £3,000. 30/11/23 - £1,200. 06/12/23 - £00.00
God save us everyone, As we burn inside the fire of a thousand suns, For the sins of our hands, The sins of our tongues, The sins of our fathers, The sins of our young. Linkin Park0
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