Getting Priorities Straight.....

I suppose on weighing it up I don't think that 6 months is long to wait.

I think the stress that my dad's been putting me under has been making me panic a bit....
 
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We walked away with bugger all from the house - which is resoundingly similar to 8 years of being together! Oh well you live and learn.

I suppose I've been made to feel quite bad by my dad who just brings up Ty all the time and how he's a 'waste of money'.

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Tragic and tragic.

There's so much more to life - some people just can't see that.
 
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Want to buy but can't afford a mortgage on my own - unless I didn't have a horse!

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Perhaps this is the quote that gave Tia the impression you couldn't afford your horse if you buy your own home????
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Want to buy but can't afford a mortgage on my own - unless I didn't have a horse!

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Perhaps this is the quote that gave Tia the impression you couldn't afford your horse if you buy your own home????
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ooooops - sorry Tia - sometimes I don't phrase myself properly!

just need to weigh up - can I wait 6 months to buy my own place....think I can.....

Will just have to ignore parents moaning and ranting at me....
 
In 6 months time you get a raise? (I do apologise I haven't fully read this thread, sorry)

And once you get the raise (is this confirmed?) you can afford to buy the house? If this is the case then I can't see the point of the post LOL!! Keep the horse and buy the house in 6 months time.
 
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In 6 months time you get a raise? (I do apologise I haven't fully read this thread, sorry)

And once you get the raise (is this confirmed?) you can afford to buy the house? If this is the case then I can't see the point of the post LOL!! Keep the horse and buy the house in 6 months time.

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oh [****] - you're right.

Sorry but I suppose my dad going on at me made me panic that if I didn't do something asap my life would implode.

sorry for wasting peoples time! Just find this forum good for sounding things out......as you don't judge.....haa haaa (joke) xxxx
 
LOL!!! You'll be fine with your raise right? Well 6 months is feasibly the length of time it may take to sell the horse AND find a suitable house to buy........
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Stimpy,

Just give yourself time to think all your options through and I am sure that the right decision will come to you. Who knows, you might meet a rich man tomorrow who comes complete with his own mansion and luxurious stables! Fingers crossed eh?!!

Annie x
 
I'm 35 and my parents still do the disapproving thing at times... I've learnt to ignore them but it's not easy!

Personally I hate renting - seeing all that money disappear down the drain is too depressing when it could be paying off a mortgage. Re property prices I can't see prices going down (they keep predicting it but it never happens) but they will flatten out. (though they keep predicting that too!). What will keep going up over the rest of this year are interest rates and therefore mortgages will get more expensive. I remortgaged just before Christmas to get on a fixed rate deal... and jumped in before the recent rises. So glad I did. Waiting for a mortgage would make me nervous as any decent fixed rates might not exist in 6 months time.
 
Don't be silly, you haven't wasted anyone's time - we're all here to help each other, right?!
Glad you've got it straight in your head now and you don't have to worry about selling the ned!
Awful decision - my Sister sold her horse to buy kitchen appliances! Needless to say she's never loved being in the kitchen!
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Roll on summer, woo hoo!!!!!!
 
QR - what part of Surrey are you in? as a friend might know of something

Money saving ideas which you've probably already thought of:
Does he need to be shod? Or can you cut down to just having his fronts shod and leave the backs. Bedding costs - any way of minimising? Same with suppliments etc (if he's on any)

Can sympathise though - SE is just ridculously expensive even just for RS lessons let alone livery etc
 
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Stimpy,

Just give yourself time to think all your options through and I am sure that the right decision will come to you. Who knows, you might meet a rich man tomorrow who comes complete with his own mansion and luxurious stables! Fingers crossed eh?!!

Annie x

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Already met the rich man - too early for him to pay my livery bill though - lol xxx
 
It really sounds like your parents are being unfair if in 6 months you can buy a house.

After going through a split and selling a property that was your Marital home, I think you have needed this time to get your head back around life again.

Renting has been your quick fix and has been your time out to plan "What's next in Stimpy's amazing life"?
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I suppose deep down, although they seem unfair your parents only want the best for you.
My parents are very supportive of my horses and think they are a great thing to have in my life.
My Grandparents on the otherhand think I am mental and should have grown out of it years ago!! Glad they aren't my parents. LOL
 
I would NEVER get rid of my horses and I'm incredibly lucky with how supportive my mum is. I still live at home and look to be for a while due to house prices, just a thought tho which I'm sure you will have considered...what about an interest only mortgage?
 
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I would NEVER get rid of my horses and I'm incredibly lucky with how supportive my mum is. I still live at home and look to be for a while due to house prices, just a thought tho which I'm sure you will have considered...what about an interest only mortgage?

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Most companies ask that you put down a deposit of atleast 15% - I only have 7%
 
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I would NEVER get rid of my horses and I'm incredibly lucky with how supportive my mum is. I still live at home and look to be for a while due to house prices, just a thought tho which I'm sure you will have considered...what about an interest only mortgage?

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Most companies ask that you put down a deposit of atleast 15% - I only have 7%

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You could always talk to a mortgage advisor about it, apparently it's pretty flexible. I was told I could do it with no deposit at all
 
Go to an IFA - some companies will do no deposit/minimal deposit/interest only etc. There are ways - although obviously the bigger the deposit, the lower the rate normally therefore the lower the monthly outgoings.

I know how you feel as I was in the same position when I was renting. I could have afforded the house more easily by not having Twiglet - but then I'd spend all my time rattling around in the new house missing him! Riding other people's or sharing, whilst more financially sound, wouldn't have been the same.

Try looking for other yards and houses a bit further away from where you are - i know all of Surrey is expensive, but maybe there's some areas that offer better value for money.
I moved to an area I wasn't overly keen on, as I couldn't have afforded to buy where I was renting, and the area's really grown on me. Plus it's much more convenient for the yard
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My parents aren't particularly supportive of my horse-habit either - they can't understand why I'm in a well paid job but am permanently skint/knackered/smelling of horse poo.

But I think it skipped a generation - my grandad used to live on the Badminton estate and would ride the Duke of Beaufort's farm horses! So he appreciates the appeal and will turn up at a show just to see Twiglet in his finery! (although I'm not sure Twiglet at an Essex showground looks quite as impressive as the Badminton estate!).

Best of luck whatever you decide xx
 
Well Stimpy I do agree with you about the lack of a descent D.I.Y yards in your area.......there is none......and if I was you I would hang onto your money as I think the housing market might sort of "crash" slightly and you might well meet someone one day who wants to share your life and buy a home,just put the money away and get the best interest you can for that day when you will need it.....and it ain't easy just giving up a horse because things have happened as life changes all the time for all of us!
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I feel for you! I can only see Chloe twice a week, and although I'm DIY at the weekends, the last bill was 800....Parents, perfectly understandably, flipped!! So we are moving yards. Thats living in the city for you.
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I'm really sorry you are having a dilemma - I don't even pay Chloe's bill (before people yell at me, I'm 15!)
Winter is the hardest part though, so hopefully that is as bad as it will get!
 
"Stimpy, I keep 3 for what your one is costing you - there must be a more economical way of doing it before you make any radical changes"

Our pony only costs £90 a month, including wood shavings! :shock: And when we have three he'll be 24hour turnout, the other two in at night and so it should cost us about £270 a month, including wood shavings and haylage.
 
I have been thinking about this all day. I have two children, a 2yr old and a 6yr old. Only the eldest can come to the yard with me, as it's a private hunt yard / working farm and just not safe for my toddler to be about.
We keep a pony. Okay, he may only be a weeny pony and costs us very little to keep (about 50 quid a month), but I do everything myself. I get up at stupid times to muck out and take him for walks (he's in atm). I then go home and do the school runs and housework, OH gets up at midday (he works nights) and I totter off back to the yard to do more. He does tea etc etc wheilst i go back again in the evenings. Once I got the hang of it, I can muck out a straw bed, and feed/ soak hay etc , and be gone in 15 mins.

My OH could get a much better job, but if he did any different hours we would have to loan out the pony or put him on livery somewhere. Personally, I cannot comprehend having a horse and NOT doing it all myself, but that's just me, it's just my own feelings. I can understand people who work full time and have a horse on full livery, but not if it's causing worry and hassle.
Vic, what is more important? Horse or job? Job? loan him out. Horse? get a job in hampshire and move.
 
I know what you're saying and respect your views but yes a job is more important to me sorry. A job is something that will help build my future for my kids.......

I admire you spending all hours doing your own mucking out but I just can't and won't do it - I've got too much else going on in my life and I'd rather ride my horse every day than muck him out and only ride every other day or at weekends.

I think things happen for a reason - I don't want to rush onto the property market anyway at the moment - it's a bit shot away. I can afford life at the moment and once I get payrise and hopefully a sharer that will take the pressure off. As I said above, I was panicking as my dad was going on and on and me and making me feel that I had to make a decision. You guys have shown me that I don't need to do that just yet
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xxxxx
 
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I have been thinking about this all day. I have two children, a 2yr old and a 6yr old. Only the eldest can come to the yard with me, as it's a private hunt yard / working farm and just not safe for my toddler to be about.
We keep a pony. Okay, he may only be a weeny pony and costs us very little to keep (about 50 quid a month), but I do everything myself. I get up at stupid times to muck out and take him for walks (he's in atm). I then go home and do the school runs and housework, OH gets up at midday (he works nights) and I totter off back to the yard to do more. He does tea etc etc wheilst i go back again in the evenings. Once I got the hang of it, I can muck out a straw bed, and feed/ soak hay etc , and be gone in 15 mins.

My OH could get a much better job, but if he did any different hours we would have to loan out the pony or put him on livery somewhere. Personally, I cannot comprehend having a horse and NOT doing it all myself, but that's just me, it's just my own feelings. I can understand people who work full time and have a horse on full livery, but not if it's causing worry and hassle.
Vic, what is more important? Horse or job? Job? loan him out. Horse? get a job in hampshire and move.

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You don't work full time do you? I think it's completely different situation to mine!

No way I'm moving back to Hampshire - just couldn't do it - all my friends are up here and I'd be miserable down there......especially being newly single!
 
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You want kids and don't think they're a full time job? Okay, I have no travelling, except to do the shopping etc, but you come and borrow my kids and then tell me my job isnt full time lol.
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. it's a 24/7 job. I would LOVE to start at 9am and finish at 5pm. I'm up 5.30am - 1am daily with my job. And then often throughout the night. I NEVER go on nights out, as I can't leave my 2yo with anyone else.

If you can afford Ty and life atm, then no probs, as you and others have said, there's no rush to get on the property ladder.
I actually applaud what you say about job coming first (my job comes first too).
 
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*splutters tea over keyboard*
You want kids and don't think they're a full time job? Okay, I have no travelling, except to do the shopping etc, but you come and borrow my kids and then tell me my job isnt full time lol.
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. it's a 24/7 job. I would LOVE to start at 9am and finish at 5pm. I'm up 5.30am - 1am daily with my job. And then often throughout the night. I NEVER go on nights out, as I can't leave my 2yo with anyone else.

If you can afford Ty and life atm, then no probs, as you and others have said, there's no rush to get on the property ladder.
I actually applaud what you say about job coming first (my job comes first too).

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This is a whole other conversation! Like I said, I respect your decisions and views on this - we all want different things out of life and that's what makes like so interesting!
 
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