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Watty's Awakening
Comments
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Maybe this one... https://www.propertypal.com/craigadoo-lane-deerfin-road-ballymena/997837Mortgage 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 -
Those two properties are astounding Bargain hunter.
The second one one I could buy outright and have money left over from the sale of the cottage, enough to retire if I add that to my "retirement pot". I've no idea how much the extra land for the first one would be (I would need the extra land) but even that would be less than I would get for the cottage without my land and stables.
(My plan, IF I move, is to keep the land and stables block and rent it out, I've spoken to Fell Pony Person and said she has first option on it as she only lives about 15 mins away).
I love the first one, especially the kitchen and the stable block. If I have time today I will look at rights of access in Northern Ireland out of interest as I think it is different to England. What a lot for the money compared to the South East of England.
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 !!3 -
Ruralscene used to be my favourite website for plans and dreams as they specialise in properties with land without having to search by area.My mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo3 -
So many English people have relocated to Northern Ireland because it's just so affordable. I moved from Yorkshire, my partner is from Belfast but we couldn't afford the same lifestyle in England. We both work part-time and have a four bed detached house 10 minutes from the beach. I can't imagine the cost of that in a nice town in England.
The weather is slightly cooler than south England though.
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 -
Sorry about the friend trouble but maybe a sign to look at moving. We couldn't afford Cheshire prices and I think Scotland was 1/3 of the price! We chose south west Scotland on the coast.Save £20,000 in 2025. April 2k, May 3.5k4
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skint_spice said:One of my friends is a bit like that - “ I can see you 8 weeks on Thursday at 6pm”. I just go with it now as we were best mates, I think her partner doesn’t like that I am single. I am not on the hunt for myself so goodness knows why he thinks I would lead her astray. He has put air tags on her phone and keys because apparently she keeps losing them but it seems suss to me.As for the dog walking… no swimming allowed??? Poor dogs!
So sorry Warty re the friend group - some people are very good at supporting others in difficult times but less able to adjust when one’s life is going great !Maybe one on one they are better - and it gives you freedom - can’t believe how cheap NI is though the rain I think is more there ? Maybe I am wrong
Wales is cheaper I believeI think wattydog is a GSD? My parents last 2 dogs were - huge, never grew up and completely unaware of their size!DON'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#latest3 -
Bargainhunter30 said:So many English people have relocated to Northern Ireland because it's just so affordable. I moved from Yorkshire, my partner is from Belfast but we couldn't afford the same lifestyle in England. We both work part-time and have a four bed detached house 10 minutes from the beach. I can't imagine the cost of that in a nice town in England.
The weather is slightly cooler than south England though.
Carolbee3 -
https://www.rightmove.co.uk/properties/158148017#/?channel=RES_BUY
15 acres with this one, house could do with a little eh....sprucing up lol22: 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'2 -
https://www.rettie.co.uk/property-sale/ber240223
9 acres, no house but only 100k, could plan your own little (tiny) house?
Loving looking at property but I suppose I should get back on with sewing a 1920s style top. I need to be wearing it in less than 3 hours plus I need to make a headband or something, try everything on and make adjustments as necessary- you get the idea
Dxx22: 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'4 -
Yes @LadyWithAPlan WattyDog is a German Shepherd, long haired, brainless, faithless, daft, all the things the breed are not usually described as, but, I think he is typical of the breed underneath that in that I think he is clever enough to know but simply not bother.
Well what a rabbit hole of searching, it seems we all love looking at properties. I suspect @daisy_1571 might have overestimated my ability to "do up" but I have always wanted to build my own which is why my original plan to covert the barn was such a lovely one - but - the local council will not permit it and now the traffic in the area is putting me off staying put and the shattering of friendship group really just confirms it might be a plan to move onMade 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 !!7
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