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An in-between phase

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  • Watty1
    Watty1 Posts: 6,740 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    edited 24 July at 5:20AM
    i think this might be one of those "miserable from any angle" situations, although, the local councils might be reluctant to make someone homeless so might be worth chatting to them, and also to the housing department. 

    Social housing is in high demand, but if someone is about to be made homeless there might be a glimmer there.(I have met two people who have been socially housed in the last year in London, but there were circumstances that made them priorities, one was homeless and 55 so moved into a social care block, the other was going to move out of area for cost reasons as you mention but now has a lovely little maisonette that a local councillor helped her find as he was on the board of the charity that ran the estate - so - perhaps worth talking to the local councillor if there is one that has an interest in housing..  Long shot but worth a try maybe just to explore all options.

    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
  • Unfortunately things are different in Ni re care homes but I thought in GB there was a lifetime contribution cap.  Is it worth investigating that and your cousin taking out a mortgage of that value to buy a share of the house?
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.
  • badmemory
    badmemory Posts: 9,564 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    They kept talking about it but never did it & if you read it very carefully they were only talking about the nursing needs element.
  • PennysIntoPounds
    PennysIntoPounds Posts: 4,306 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Thank you all, much appreciated. I will read, process, and pass the info on.
    I think the lifetime contribution cap is meant to come in this October and be 85k but we'll see, it was delayed a couple of years ago 
  • PennysIntoPounds
    PennysIntoPounds Posts: 4,306 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Well after a day stressing about build and an evening stressing about aunt and cousin I then saw a mouse just before I was getting ready for bed.
    Cue late night dash to mums to sleep there.
    We have spent the morning trying to find access points we've missed and cleaning up mouse poo.
    I am going into adrenalin shock at every tiny sound or movement.
    I have also tried to register the new addresses and the council put the wrong postcode.
    So I corrected them and they did it again but changed it to the wrong road too.
    It's not even the road that corresponds to the wrong postcode.
    I have to clean the flat and myself before family friends arrive. And do all the other million things that need doing. Unfortunately I am now just a giant panic attack and am going to sit in bed with the duvet over my head and cry instead.
  • redofromstart
    redofromstart Posts: 5,819 Forumite
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper
  • Sun_Addict
    Sun_Addict Posts: 23,982 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Oh what a blooming nightmare everything is! And as if all that wasn't enough - the mouse!

    I hope you at least enjoy spending time with your guests.

    Sending hugs and positive vibes.
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • beanielou
    beanielou Posts: 95,434 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Eeek to the mouse in the house.
    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*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • KajiKita
    KajiKita Posts: 7,545 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Oh no, not again … 😩 

    Can you seriously not rent-a-cat from someone for a few weeks?

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,338 Interest saved £5225 to date
    Fixed rate 3.85% ends January 2030

    Read 37 books of target 52 in 2025, as @ 23rd July
    Produce tracker: £223 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • beanielou
    beanielou Posts: 95,434 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Sends not one but 2 cats to the rescue. 
    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*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
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