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Watty's Awakening
Comments
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<Runs around waving hands in the air at successfully communicating a point without inadvertently causing offence>
I'm not as anti firework as many on here- I do come from a country where they are in theory banned. I do think it should be confined to one night and official, advertised displays- I've had three nights now of random bangs which is a bit much.
I also casually wonder if the PPH factor gives you a reason to stay where you are instead of making a big, potentially scary move. As far as I can tell, overage only applies when you get PP so if you really didn't want him to get anything you would have sold the land without it?
4 -
But wouldn't the fact that an overage is in place affect any potential sale, even if @Watty1 didn't develop the land, nor actively market the land as 'developable'? Plus, does the overage apply to new owners - would they have to pay PPH, if they chose to go ahead with any development (I'm thinking if a building company/developer bought the property, rather than a family wishing to live on a property with land).
I realise I may have the wrong end of the stick.
Greying X
GC November 2026 £46.10/£143.00 (MrT £16.23/£58, MrS £20/£60, cash £9.87/£22)
"Low-Vember", credit: @Blackcats
Non-food spend November 2026 £13.34/£80
Bulk Fund 2026 Month 11/12 - £0/£20.40 (reducing balance - start £120)3 -
"usually" an overage is attached to the land and will apply for 10, 20 or 30 years so any future owner within that timescale will be affected. So yes, it might make anyone think twice if there is an ongoing overage even if they only wanted to buy the field for their own horses.
It is often put on the land when someone sells a field or bit of garden ground to a new owner who says they want it for themselves but the original owner feels there is a chance it will be acceptable to be built on at some point and they want a share of the potential profits to be made. I don't think I've seen one longer than 30 years
I used to work in land registry so saw them occasionally but obviously I only saw officially registered ones - I'm not even sure if there are private ones between two individuals that wouldn't have been attached to the title deeds, I was just wondering.
22: 3🏅 4⭐ 23: 5🏅 6 ⭐ 24 1🏅 2⭐ 25 🏅 🥈2⭐ 26 2🥈 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'4 -
I like the options where you never have to pay pph anything nor communicate with him. Having had to communicate with my bully of an ex all these years and because of kids I would play the waiting game and probably just rent the house and land out for now and move on anyway.
Emergency Fund -£1000
Grocery Spends -Oct £408/500. Nov £211.32/500
Debts- CC 316, CC 3058.17, Kitchen loan 38576 -
@Watty1 - if you can bear another opinion from one of your clan, I'd personally pick the option that causes the least angst. Peace of mind and soul are worth more than any amount of moola!
4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)(With heartfelt thanks to those who have gone before us & their indubitable generosity.)...and now I have a mortgage! (23 AUG 2021)Original End Date - Sept 2041 *** New projection - Jun 2040 (reduced by 1 years & 3 month)4 -
Re your meeting with the Greek Tragedy tomorrow, can you get VNM to call you at say 9.20 with some 'urgent' reason you need to go home? This gives you options from, yes I'll come straight away, to I'll be leaving in 10 minutes, to I'll sort it out when I get home. Then you've allowed her to say her piece, you to say yours, without opening up all the negotiations again. You can always have a code word that requires him to call again after a set period of time if you haven't been able to leave……
Either that, or one of us will have to arrange some farce in the background that requires the clearing of the coffee shop……..
Make £2026 in 2026
Prolific £231.51, Octopoints £4.60, Tesco Clubcard challenges £38.80, Airtime £10 TCB £225.19, Everup £77.04, Roadkill £1.77, Zopa CB £30, Misc £10.11,
Total £629.02 31%Make £2025 in 2025 Total £2241.23/£2025 110.7%
Prolific £1062.50, Octopoints £6.64, TCB £492.05, Tesco Clubcard challenges £89.90, Misc Sales £321, Airtime £70, Shopmium £53.06, Everup £106.08, Zopa CB £30, Misc survey £10
Make £2024 in 2024 Total £1410 70%Make £2023 in 2023 Total: £2606.33 128.8%8 -
Very good plan slinky
22: 3🏅 4⭐ 23: 5🏅 6 ⭐ 24 1🏅 2⭐ 25 🏅 🥈2⭐ 26 2🥈 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'4 -
Excellent Slinky May I suggest that at the appropriate nod one of you with a walking cane stumbles into the fire alarm? That should empty the cafe?
Or is that too extreme?
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 !!8 -
it was officially registered. Local estate agent came around today to explore options, talk about ideas etc obviously hoping for the sale gig. His opinion was anything I can do to remove would be worth doing as overages make people "twitchy" although he did say we could get my solicitor to write something he can share with prospective purchasers. This probably isn't the agent I will go with but I did have 3 in mind, one has not responded, this one came around and then my third choice I will call last of all as he was the agent that found me the planning consultant so he does deserve a good chance, hence he is my last one to call so I know what the others say. Well one other, the one that didn't respond is barely worth thinking of LOL
I have no plans to market until the Spring, there is still so much to do here. And tbh I like the house and the land, the problem is the lack of anywhere to ride off road. If the planning inspector would approve the 4 routes under appeal and the local forestry commission would get on and add the bridleway then i would happily stay
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 !!8 -
Any news Watty?
Make £2026 in 2026
Prolific £231.51, Octopoints £4.60, Tesco Clubcard challenges £38.80, Airtime £10 TCB £225.19, Everup £77.04, Roadkill £1.77, Zopa CB £30, Misc £10.11,
Total £629.02 31%Make £2025 in 2025 Total £2241.23/£2025 110.7%
Prolific £1062.50, Octopoints £6.64, TCB £492.05, Tesco Clubcard challenges £89.90, Misc Sales £321, Airtime £70, Shopmium £53.06, Everup £106.08, Zopa CB £30, Misc survey £10
Make £2024 in 2024 Total £1410 70%Make £2023 in 2023 Total: £2606.33 128.8%4
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