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An in-between phase

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Comments

  • doingitanyway
    doingitanyway Posts: 10,925 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!

    What sort of gate? Is it a security gate?

    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
  • Rhyddid2026
    Rhyddid2026 Posts: 1,180 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper

    Not at the moment, but if security becomes and issue it's something we can discuss again at that point?

    Orrrr…. tell her to crack on and pay for it if she wants it so bad 😂

    Debts                04/01/25       01/04/26  
    Natwest2           £6,509.97      £4,200 
    NatWest CC      £7,612.74       £6,325
    Lloyds CC          £6,112.60      £4,115
    1st Direct CC     £176.03         £9.11
    CC total             £20,411.34    £14,649.11
    OD                     £1100            £0
    Car loan             £4,000          £3,600
    1st Direct Loan  £10,684.44    £7,000
    Total                  £36,195.78    £25,249.11
    EF £1,750.33
    HF £150.76
  • It sounds like something that will end up costing more as you add up all the things, a regular gate and a video doorbell should suffice if she's that worried?

    I see a lot of broken access doors, the maintenance on them must be horrendous.

  • Slowdown
    Slowdown Posts: 653 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker

    Maybe 3k includes a bowler hatted attendant such as found at the entrance to an Oxford College? If so, possibly worth it. He could offer said bowler to anyone requiring urgent urination facilities to avoid spillages on your drive.

  • Watty1
    Watty1 Posts: 8,080 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker

    I like those electric gates and sophisticated AI systems that "announced arrivals" and then I think of the maintenance issues same would involve and stick with the current system on back drive - which is a five bar gate which has a chain around it for security reasons at night.

    I'm rural and have had "issues" in past so I got a chain that cannot be cut with bolt croppers and a substantial padlock but I'm sure a simple gate that locked could be got very inexpensively.

    Rhyddid2026 answer is super - and you could add that if we install later we could look at solar systems to power it which would be a cost saving in long run?

    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 !!
  • maybe I’m incorrectly assuming that it’d be Wi-Fi enabled but, if so, what if that goes down.

    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 1lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge. I’m not perfect but I’m good enough.
  • if its a shared security gate how would you know which house should answer it and give the OK for someone to enter.?

    You might be letting someone in who they do not want to see 😂

  • foxgloves
    foxgloves Posts: 13,252 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper

    Well m'dear, you've still done about 46 things more than me!

    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!
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