What are you all up to
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I think Redhill is in Surrey, is it not, Milodog? So it seems the radius goes beyond just Sussex, judging by my present location, doesn't it?
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Good because when you do, you'll be able to enjoy the latest episode of my saga!
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So not a headless chicken after all!
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I think my words of wisdom went well beyond the last page, Wherenext, so perhaps you do need to look further back!
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That's right, Oneputt. It beats today's downloads, doesn't it?
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Glad to hear it, Kj! Although there are some on here that would deny that! I mean the light entertainment, not the snooker!
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A hobby is a regular activity that is done for enjoyment, typically during one's leisure time. What is yours apart from caravanning.
I love to knit and sew, have knitted many of my own clothes, sewing is limited to curtains, cushions etc. I love going to quiz nights. Not much of a sport watching person.
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The Smart Electric savings on petrol and the seasonal pitch savings on site fees will certainly bring it down, EasyT. Give it a couple of months and we'll see the overall debt come down quite dramatically!
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That just about sums it up, JVB66!
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Isn't this forum enough for you, HD or did you get some other ideas from contemplating it in your kennel?
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We have membership of various organisations such as National Trust, HHA, WWT, English Heritage which gives us plenty of places to go out to on days off!
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I have done my family tree, gone back to early 1700, a bit stuck at the moment that's why I forgot to mention it. It is surprising what you discover.
Bad memory, forgot to mention Photography, I have several canvasses of lovely scenery I have taken.
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My answer is as above, cariadon!
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I enjoy listening to music too. The new caravan CD player works a treat! Yes, romantic comedies too like 'Four Weddings and a Funeral,' 'One Day,' 'Love Actually, ' 'Notting Hill', 'Wolf at Wall Street', to name a few!
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My favourite was the West coast of Scotland, cariadon, for its natural landscape and scenery!
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MM wrote:
The bank or building society is often willing to lend more than people can comfortably afford to pay each month and people are often willing to take it to the limit thinking that they are making a wise investment. However, it might not feel quite so wise, when you find you can't keep up the payments and the property gets repossessed as a consequence.
For once I agree with you MM.
I was at a family christening last summer near a group of youngsters and one young lady was saying that they have managed to get an interest free loan for their car, around 7 grand on their credit card for their wedding plus 3 grand for the honeymoon, and her mum was paying the 2 grand for her wedding dress. "Fortunately" she continued: "The bank has agreed a 3 grand overdraft which means that we won't have to start married life in debt". I was so startled that the group must have had a good view of my tonsils.
In my experience many youngsters have the benefit of 'The Bank of Mum and Dad'. And why not let them have an advance on their inheritance at times when they need it? I would much rather help my kids while I'm still alive and here to enjoy that pleasure (and hopefully to last another 7 years so that the gifts are tax exempt
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Like ourselves, neither of our children have ever been "mortgaged to the hilt" so we can rest easy.
Apparently, these days it is much more difficult to get a mortgage than in the previous 25 years with lenders investigating affordability much more rigourously. They take into account your spending habits and essential bills, and the loan has to be affordable at much higher interest rates that we have at the moment. Other debt is also taken into account.
Apparently this can result in people being told they cannot afford a mortgage where the monthly repayments are actually less than they are currently spending on rent.
So the days of being given a mortgage you really cannot afford appear to be over.
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When I took out my first mortgage in March 1976 I was just turned 20. My wife and I were both on £1,800 a year. I managed to get the BS to agree to increase my notional income to £1,950 as I had a guaranteed increase of £150 a year within 6 months. I was able to borrow 3 times my notional income and 1.5 times my wife's to total £8,450.
I new at the time that my wife would be giving up work and I would have to find additional part time jobs to make ends meet.
At age 35 we moved house. I could have increased my mortgage to £55k but chose to use £7,000 savings and to just increase mortgage to £25k which I paid off in 5 years
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I remember my parents paying off their mortgage early, both of them had always worked (except a few short years off for Mum when we were young.) My parents were cautious but gave me a good grounding in money matters. I suppose they could have produced children who were the opposite but my father had been through a hard time in the slump in N America and we heard about that first hand from him.
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