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Watty's Awakening
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Move near me. Great equine vet & beautiful countryside. Lots to do.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.6 -
If you can afford where you live and the only thing that you want changing is riding routes I'd think hard about moving...it's super hard to relocate when you are older I think..I did it once when I was 23 and found friends easily and had a great time. I did it again when I was 26 and found it a struggle to find friends but eventually got a few... before relocating again 😁🤣 and barely made any that time. I relocated three more times and each time became harder. Although to be fair I added an extra child to a few moves so my friends circle became mum and baby groups rather than a drink down the pub....
But it's hard.
Also you then have to make the new house 'home' and find new walks, shops, things to do. Etc etc.
Could you afford a holiday home somewhere?
Perhaps that would give you options? Somewhere that you are able to take the horses for a lot holiday too? Or is that not a thing 🤣 I've only ever holidayed with a dog which thankfully I didn't need a horse box for 😁 but perhaps a holiday home with some land and great hacking and the ability to let it out when not in use?MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200.
Total- £1162.23
Goal pay off 1% of current mortgage in 1 year. £1200. (96.83% there)
EF- first goal £300
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We relocated when I was 55 to a beautiful town where we knew nobody, OH was 57. I retired having sold my business.Making new friends is hard! The few I've found have been through volunteering. Trouble is most of them are older than me; we don't have children, I need some younger friends also otherwise time could leave us friendless. OH is still working, and doesn't really 'need' other people. If it wasn't for me and the friends I've found, he would only know some of the neighbours in passing. I guess it depends how outgoing you are. On the surface I appear to be, but inside I'm still the shy child who had to be bribed to go to parties. The two friends I have (although one has moved away but still visits several times a year and wants to move back) were both new to the area at the same time we moved here, and it was me making the suggestion we meet up to get to know each other that kicked things off.I also 'leapt' on a lady I met at a different volunteering thing when she said she'd recently moved to the area and didn't know anybody! We meet up occasionally for coffee.If we'd stayed where we were, I'd be struggling for friends as both my good friends passed away. One just before we moved, in her early 40s, and the other six months after we moved away. Both to the dreaded C.Would the trade off of having nicer places to ride be worth it if you can't build a good social circle where you move to?Make £2025 in 2025
Prolific £229.82, Octopoints £4.27, Topcashback £290.85, Tesco Clubcard challenges £60, Misc Sales £321, Airtime £10.
Total £915.94/£2025 45.2%
Make £2024 in 2024
Prolific £907.37, Chase Intt £59.97, Chase roundup int £3.55, Chase CB £122.88, Roadkill £1.30, Octopus referral reward £50, Octopoints £70.46, Topcashback £112.03, Shopmium referral £3, Iceland bonus £4, Ipsos survey £20, Misc Sales £55.44Total £1410/£2024 70%Make £2023 in 2023 Total: £2606.33/£2023 128.8%6 -
debtfreewannabe321 said:If you can afford where you live and the only thing that you want changing is riding routes I'd think hard about moving...it's super hard to relocate when you are older I think..I did it once when I was 23 and found friends easily and had a great time. I did it again when I was 26 and found it a struggle to find friends but eventually got a few... before relocating again 😁🤣 and barely made any that time. I relocated three more times and each time became harder. Although to be fair I added an extra child to a few moves so my friends circle became mum and baby groups rather than a drink down the pub....
But it's hard.
Also you then have to make the new house 'home' and find new walks, shops, things to do. Etc etc.
Could you afford a holiday home somewhere?
Perhaps that would give you options? Somewhere that you are able to take the horses for a lot holiday too? Or is that not a thing 🤣 I've only ever holidayed with a dog which thankfully I didn't need a horse box for 😁 but perhaps a holiday home with some land and great hacking and the ability to let it out when not in use?Save £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
My new diary is here5 -
I'm gonna need a bigger hoover
Dxxx 😆22: 3🏅 4⭐ 23: 5🏅 6 ⭐ 24 1🏅 2⭐ 25 🏅 🥈 Never save something for a special occasion. Every day is a special occasion. The diff between what you were yesterday and what you will be tomorrow is what you do today Well organised clutter is still clutter - Joshua Becker If you aren't already using something you won't start using it more by shoving it in a cupboard- AJMoney The barrier standing between you & what youre truly capable of isnt lack of info, ideas or techniques. The secret is 'do it'6 -
Have you though about horse holidays without your horses Watty? My old boss goes all over the world and does things like animal counts in Africa on horses. She loves it and now you have fell pony lady, could she help out if you go away?Mortgage start date Nov 2014 - £90,545 over 25 years
Re-mortgage Oct 2017 - 78,295 over 23 years
Re-mortgage Jan 2020 - 55,000 over 26 years @ 1.94%
Current Mortgage Outstanding Middle December 2020 - £47893.35 - a reduction of £42,652 in just over 6 years!4 -
Your comments are really helpful. I think I could make new friends but I do appreciate it would be hard to do so and a lot of effort for someone who is shy. I'm not sure the VNM is that bothered by friends although he has a few.
I think part of the attraction is also releasing some cash but the more I look at properties I'm not sure how possible that really is as I seem to be finding possible houses for the same as I would get for mine (although in much nicer locations).
I'm also thinking moving comes with costs so I might be better staying put for a while maybe. Decisions decisions (I admit I did google the cost of three horse boxes so I could take all 3 away with me and the sort of box with living etc so that we could camp in style LOL)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 !!9 -
daisy_1571 said:I'm gonna need a bigger hoover
Dxxx 😆daisy_1571 said:Lwap, that is mind-boggling, I don't know which is more awful - those prices or the fact those prices seem acceptable to estate agents/buyers/peoplein general. London really is very skewed dont you think?
DxxDaisy if you want to hoover mine it will only take 10 minsYes ! Hence my delay tactics … £1m by me would buy a 2bed leasehold …
(actually I just popped a £2m price tag in RM and I found a semi detached but small rooms 4 bed for that ) or a 1300 sq meter terraced house, no garden but a roof terrace. But in a dodgy road .
And the service charges my friends are getting charged .. my hairdresser started at £600 pa and now it’s £4k pa and they don’t have a lift, garden or gym !Another friend In london owns an ex council - 2 bed with small patio in a block with maybe a foot of greenery at front - now £230 per month arrive ..
so I am doing all I can to not buy leasehold .. you have no control
@watty1 I have had friends move away from london for space etc and if they a family or couple it’s much easier - single friends of mine now are desperate to come back in - it’s harder to make friends etc and there is a lot to be said for the community you build - wherever it is
@slinky sorry for your lossDON'T BUY STUFF (from Frugalwoods)
No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff. Money doesn’t walk out of your wallet on its own accord.
https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest10 -
LaPlan's comment about "community" reminded me of an exercise I did in coaching some years ago. Take a blank sheet of paper and write your support network/friendship group down. When I did it, I was encouraged to write everything that helped my life run as was. I'm going to do that again as I have a sense that might really focus my mind on what I actually have here and how grateful I am I have that.
The last time I did this I was with PPH so it is a really great idea to do an updated version.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 !!13 -
So I drew my network down and there are a lot of people in that from the local farmer who always offers a kind word and advice when needed, the farrier I have know over 30 years, the friends that have come into my life since PPH and I split, the neighbour who will always help out with the horses, the Fell Pony's person who turned out when I went away before Christmas, the friends who live a long way away and those I don't see very often but should see more off. I left work off because this was about reviewing my life outside of work because work would come with me. (I have the VNM but I drew out my life that I have built and yes he is part of that and if I moved he would come too because we discussed that but this was about looking at MY life on a piece of paper).
What I saw is a world of lovely people, not all are friends but they all contribute to my life and means that when I get up in the morning I don't feel alone or wonder "how to" or "if I can make it through the day"
I also reflected on things like the country house hotel down the road where in my worst times with PPH I would go and write letters to myself because I was so lonely and writing the letters helped me think. For the price of a pot of tea, the staff were charming, there was peace in the beautiful gardens or a log fire in winter. Then there is the community cafe in the next village, the local charity shop where I regularly drop off clutter and add to it by finding bargains and laughing with the staff, a local pub I rarely visit due to time pressures but is there, the social club my membership lapsed but where the girls and I used to go to bingo and a church I can walk across the field too that holds concerts and Saturday morning coffee and cake for £3
The riding is the issue. When I moved here there were miles of permissive tracks and the farmer has withdrawn permission and will not reinstate (I have asked, and I understand his reasons, frustrating though they are for me)
What I realised is that "community" is really important and I want to take all this and put it somewhere I don't have to work and with glorious countryside riding from my doorstep. Community is more than just the odd friend but the bit of the world right outside the door. So there we have it. I don't think I want to lose what I have here and move to The New Forest, Cumbria, Yorkshire or Wales (they were destinations I liked after looking on RM where I would get all I wanted for what I have) and start again to build that.
So for now I will stay in the South East, continue doing up the house and rebuilding my finances after PPH and work to free some time up so me and a horse can go out in the lorry.
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 !!17
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