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Watty's Awakening
Comments
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The hair pieces/wigs sound great !!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#latest4 -
While we wait for Greenbee to tell us she is in charge of secret services, firstly thank you for all your support re the wig. I admit I had a wobble this morning re the blond one, but, deep breath. I am going to do this.
Secondly, and a bit of a drumroll, this morning was the pre-app for planning on the barn. The council officer said they would be happy to support the conversion and extension - but, and there always is a but, he thinks there are too any windows and it no longer looks like a barn! However in principal, happy to support. It will have to go to a planning committee meeting as cannot be done by officers as is a departure from usual planning, but, they accept that there is no real reason to turn down, given they accept the commercial development of it is not viable, it cannot be a holiday let given the plans for the area, and they really can't turn the conversion down given they are accepting the area is sustainable and are going to build 5000 new houses.
His advice was I wait for his written direction and then get a professional to fill in the forms for the formal application. One step at a time dear friends, but, this is another step towards my financial resilience and freedom.
Am really not quite sure how I feel. This is a bit of a surprise. The barn is no longer empty, it has become a very lovely workshop that the VNM is happy with. Over a coffee this morning we chatted and I stuck to my one step process. This was just another step. Thinking about the workshop and "his space" is down the road. Next is written advice and a professional filling in the form. I do not know what the final outcome will be. A lot of me wants to build the lovely place, another part of me wants to move out of area, a big part of me wants to give up work and so on.
So, no point in jumping ahead. This step was seeing if council will support the development and they will. Phew!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 !!10 -
Even if you never develop the barn it can be sold with the information which might make no difference whatsoever to the buyers but might make it more desirable to some. All in all, a great step and only happening because you went in with your facts properly laid out and calmly talked it through with them. Great stuff
Dxx22: 3🏅 4⭐ 23: 5🏅 6 ⭐ 24 1🏅 2⭐ 25 🏅 🥈2⭐ 26 🥈 Never save something for a special occasion. Every day is a special occasion. The diff between what you were yesterday and what you'll be tomorrow is what you do today Well organised clutter is still clutter - Joshua Becker If youre not already using a thing 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'7 -
That's brilliant news Watty, well done for persevering with it 👏
Eta- you'll be glad of less windows when you come to pay for them, I expect you know how I know 😂https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'self-blame can be as egotistical as self-praise... any work worth doing is greater than we are... we must not overrate our importance to it, either for good or ill' Margaret Kennedy Lucy Carmichael4 -
Amazing news Watty, can you sell the land and barn with FPP separate to the house to fund your new life?
I'm going for global superstar for Greenbee - or maybe D list who now needs to be frugal...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 -
Have we considered that Greenbee has no need to be frugal at all but is here undercover gathering intel on us all?Bargainhunter30 said:
I'm going for global superstar for Greenbee - or maybe D list who now needs to be frugal...
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 !!6 -
You might be onto something there Watty.
Greenbee, if there are any working from home jobs going in the secret service, DM me please, I have no skills but I am really nosyhttps://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'self-blame can be as egotistical as self-praise... any work worth doing is greater than we are... we must not overrate our importance to it, either for good or ill' Margaret Kennedy Lucy Carmichael5 -
That is one option for the future yes! My one step strategy is to review at each stage.Bargainhunter30 said:Amazing news Watty, can you sell the land and barn with FPP separate to the house to fund your new life?
Other options are build and live in it and sell the house - i would have a chunk of savings and my design is very simple, neat, modern, easy to heat etc but that leaves me with nowhere to ride that fills my heart and that is an important thing for me.
Another option is to build and rent it out (this means I can sell when the overage agreement on the land expires)
I really don't know. This was one of my "ifs and maybes" when I started how to rebuild my life and finances. It seemed a dream rather than a possibility but when I started this rebuild I had a few ifs and maybes. It still is on the ifs and maybes list but it seems it might become very real.
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 !!5 -
Thank you. I'm still a bit surprised to be honest, and @p@PennysIntoPounds good point about the price of windowsdaisy_1571 said:Even if you never develop the barn it can be sold with the information which might make no difference whatsoever to the buyers but might make it more desirable to some. All in all, a great step and only happening because you went in with your facts properly laid out and calmly talked it through with them. Great stuff
Dxx
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 !!5 -
@greenbee I am disabled & that must tick some box or anothery.PennysIntoPounds said:You might be onto something there Watty.
Greenbee, if there are any working from home jobs going in the secret service, DM me please, I have no skills but I am really nosyI 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.
One debt remaining. Home improvement loan. 20 months left.7
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