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Subject Topic: Preparing for old age Post Reply Post New Topic
Personvalkrider
06/3/2015 at 10:45am
 Location: norfolk
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At the end of 2013, we decided to start thinking about when we got old. I'm 50 and my OH is 48.
We decided that we would downsize our housing association home from a 3 bedroom house to a 2 bed bungalow as my OH has osteoarthritis and struggles with the stairs.

So, Jan 2014 we put the house on the exchange list. Any move would have to be "right" for us.We knew want we wanted/needed and it was listed in our advert.
We were bombarded with offers from 3 bed terraced houses to a 3 bed bungalow somewhere in Yorkshire. Nothing was suitable.

Finally in November we found something that was almost ideal. A lovely little bungalow, not far from a house that my daughter was buying.
The young couple were expecting a second child and wanted a bigger home, and wanted ours.
We filled all the forms in and asked to move during January 2015.

We got a phone call a couple of weeks after we sent the forms saying there was a problem.
The lady we were exchanging with still had her ex partner on the tenancy agreement and the move is on hold until he removes his name.

The "ex" has decided to be difficult and is refusing to co-operate. We are still waiting.He has not lived there for over four years.
The HA have said there's nothing they can do, the only option is for her to take him to court which will take months, plus I think there maybe more issues going down that route for her.

I can see what will happen, we'll get a moving date around when we'll be heading to France for our holiday.

Who said preparing for old age was simple.



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I can't add years to my life but I can add life to my years


PersonBob61
06/3/2015 at 11:34am
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Unfortunately life is full of ups and downs. I find it comes in cycles. I always seem to have drifted through rich and poor stages and when not too far off retirement I went from owning my own bungalow near the sea, a 2 berth sea-going cabin cruiser and a new'ish car to almost bankrupt at the hands of the CSA and escalating interest rates. I ended up retiring at the age of 55 into a first floor council flat which had no soundproofing and a succession of noisy families with kids in the flat below.

One has to be 60 years of age in my area to get a council bungalow so when I reached that age I applied for one. It took another 5 years to get one and like yourself I had a few unsuitable offers including the 'still tenanted' bungalow. I gave up on that one but now glad I did because I have a much better bungalow in a better area...in fact it is better than the bungalow I used to own.

The only problem with retirement is that the bills still keep coming in and rising but there is no chance of earning overtime to pay them.

Always look on the bright side though...I am awaiting my next rich stage!

Post last edited on 06/03/2015 11:42:54


Personvalkrider
06/3/2015 at 11:47am
 Location: norfolk
 Outfit: Honda valkyrie.Skandika Milano 6 View valkrider's Profile View Profile   Reply to valkrider Reply   Quote valkrider Quote  
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I know that feeling Bob.

I split up with my now ex wife, I was putting the mortgage money into our old joint account thinking everything was tickety boo.
My ex had cancelled the direct debit and was using my money for her entertainment fund.
I knew nothing until I received a letter informing me that my house had been repossessed and I owed them £40k.
This was back in 1994 and I never really recovered from it.

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I can't add years to my life but I can add life to my years


Personsaphie2009
06/3/2015 at 11:50am
 Location: Preston Lancs.
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Valkrider I am a great believer in what is for you wont pass you. Having said that, if you do get a move date when going on holiday, surely the "exchangee" will be willing to compromise! Hope it works out for you. I really find it hard to accept that some people can continue to make life difficult for others just because they can. Life's too short to waste it on endeavours as such.

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The light at the end of the tunnel is not an oncoming train.


PersonFrancais
06/3/2015 at 12:11pm
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Yep Valkrider.
                     Back in 2012 we put our 3 bed 1930's semi on the market, at 52, I wanted to spend less time doing DiY and maintaining the large gardens, we eventually sold in around March 2013, but due to the usual delays did not move into our icle 1898 two up, two down end terrace until July that year.

Of course this meant we had to cancell the July holiday to France, even though the £59 ferry was paid for along with 100€ campsite deposit.

I lost the ferry money, but thankfully the campsite honoured the deposit for July 2014 which was nice of them.

Then out of the blue late 2014 we got a £900 cheque from the solicitors, and another £750 cheque from the Halifax, as compo for all the cock ups.

Every cloud as they say.


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Personvalkrider
06/3/2015 at 12:19pm
 Location: norfolk
 Outfit: Honda valkyrie.Skandika Milano 6 View valkrider's Profile View Profile   Reply to valkrider Reply   Quote valkrider Quote  
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If it comes to it, I'll arrange the house move around my holidays.
I'm taking a disabled buddy to France in June and I won't let him down.
In August me and the OH are riding the motorbike to Austria for what could be our last long motorbike ride (due to health)

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I can't add years to my life but I can add life to my years


Personjelboy53
06/3/2015 at 3:03pm
 Location: Cumbernauld Scotland
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Retirement plan to date....

Keep doing the euro millions lottery (bound to come up one day)

Remember to check the numbers!!!


Desperately want to retire early.....So getting all the relevant paperwork together from 3 pension schemes I'm in..And will place them in the hands of an IFA and see if they can sprinkle some magic dust on them and make them go a bit further....

Jelboy.

Post last edited on 06/03/2015 15:11:08

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Campers of the storm,Into this world are born

Some days are Diamonds...Some days are stone...


PersonGCMS2012
06/3/2015 at 7:56pm
 Location: Northumberland
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I'll be 40 in 4 weeks time, and sometimes for a while now, I've been thinking of 'jumping OFF the property ladder'...

Get this house into a good saleable condition, values are going up now (about time), as there's a new hospital being built in the now ex farmers fields opposite.

Also, the field next to it, which we face, it has been ear marked for more houses.

They've done the drilling to survey it last week, so that must be going ahead...

Then it leaves us 'time' (maybe) to make a fresh start somewhere else.

Thought about this for years now, and still have the 'urge' to do it...

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Damned if I do...

Damned if I don't!!!!


Personlockie
06/3/2015 at 9:49pm
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Why not let it out and then move ? Get a let to buy mortgage if you need one.


PersonBob61
06/3/2015 at 11:39pm
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Of course retirement problems eventually won't worry anyone because nobody will be allowed to retire. I wonder if all those people saving like mad for their occupational pensions know they will never be able to cash them in!


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Personmwooly10
06/3/2015 at 11:50pm
 Location: Manchester
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I dont have a pension as such, i live in my pension. When the recession hit, i didnt want to take the chance of work going pear shaped and not being able to keep my house, so i sold up and bought something with what was left. Moved twice since then in the last 3 years moving up the ladder so to speak.
I doubt they'll have state pensions if i last that long, so at some point i guess i'll sell up and use it to live on. Least i'll still have the caravan to live in

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Milky coffee with 2 sugars please..


PersonGCMS2012
07/3/2015 at 10:56am
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Have thought of that too lockie...

See what happens nearer 'the time'...?

As for the state pension, as people have said - doubt it'll exist by the time we're older then...

So you work til' you die!

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Damned if I do...

Damned if I don't!!!!


Personsue.too
07/3/2015 at 11:55am
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My mum will be 70 this year and my dad 75. She recently commented that she is getting old. My dad took early retirement in his late 50s and mum at 60. They both have good local authority pensions.

I did point out that she couldnt really be old yet as that last I heard our government expects me to work until I am 69


Personpath20
07/3/2015 at 1:46pm
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I gave up working at 73!! Only part time though for the last few years.
Wish I could have retired in my fifties.



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