Practicalities

A good friend reminded me today about insurance!  Having a keysafe and carers coming in and out of the house might invalidate my present house contents cover!!

Immediately I got home from work, I rang the Insurance company to check my policy. The lady who answered the phone was extremely helpful and understanding and confirmed that they would cover me at no extra charge.  However, she then proceeded to tell me that I actually didn’t have contents cover with them, only buildings insurance!  Could I remember who does cover my contents – not a chance!  So embarrassing!

I did eventually remember, but will have to phone tomorrow now.  Hopefully they will be just as helpful, but if not at least I know who to change to now.  And an important lesson – to be better organised!!!

Selling up

I am actually dreading putting mum’s house on the market.

One it means there is no turning back and two it will be upsetting for mum.

It’s also one more problem to have to deal with – getting the right price, clearing out the furniture, sorting out all the paperwork, old photos, ornaments, cleaning materials, crockery, cutlery, cooking utensils, clothing and all the other stuff she has collected over the years.  I have done this before for my grandmother and I know that their whole life is just going to end up in a small shoebox!

Plus I have to arrange energy certificates etc and cope with all the viewings, assuming there are some.  Housing market is really quiet now after Brexit and the election apparently and prices have fallen – typical!

Families

Now the arguments have started.

Mum has to sell her house to pay for her care.  There is a way to avoid this – if I do her care 24 hours, but I need to work and, having been a carer most of my life I know only too well that it will be too much for me to take on full time.  We have chosen the cheapest option anyway by moving in with me and have already sacrificed the ground floor of our house and most of our privacy with all the carers, social worker and therapists coming in and out when they want using the keysafe!

She could rent her house, but it would need refurbishing and neither she or I can afford to do that.  We have already loaned her all of our savings to get a new boiler and replace the kitchen, but the upstairs still needs doing.  We now have the additional costs of food and laundry, electricity etc now she has moved in and anyway any rent will not be enough to cover her care costs, so that option is out.

In the meantime, we are hoping the Council will agree to defer payments for the full cost of her care (her house is now seen as an asset) until the house is sold as she is currently on a low income.

Meanwhile my brother has been sending emails offering investment advice. Clearly I misinterpreted his email as I read it that he was trying to release some of the money for the family, and now he has gone off on one and will no longer speak to mum, accusing her of being selfish (I put it more politely than he did).  My daughter and son also thought his proposals were good and I am stuck in the middle trying to resolve everything.

Mum doesnt want to think about investment and said no.  My thoughts are that she hasnt even got her house on the market yet – and understandably wants to hang on closely to her money and to be able to see it in the bank (she has an App on her phone and checks her balance every day, despite not being able to use the phone to make or answer calls!).  She may change her mind, who knows, but it is up to her what she does – she could give it all away to some stranger if she wanted (hopefully not! and I now have Lasting Power of Attorney so can at least try and protect her from any scams) but she has the right to say no.

She worked really hard to buy her home. We lost everything when my dad got Parkinsons Disease – his business and our home – and ended up in a council flat which then had rain leaking in in every bedroom and carbon monoxide fumes in their bedroom (fortunately they had moved into the loft because of the water so avoided potentially dying in their sleep).  She then took a GCE and got herself a full time job and also worked nights in a burger bar to save a deposit to buy her own house.  Since then, as the only breadwinner, struggled to maintain the house over the years.  Any money she may receive now should go towards making her life as comfortable as possible.  Yes it should be invested wisely, to meet her future care costs and hopefully leave some for the family, but she hasn’t got any yet!  Early days!

Best buy ever

The battery ran out today and for the life of me I couldn’t get the screws out to recharge it!  Total panic and disaster!  What was this thing that I have become so dependent on?  – a video doorbell.  Honestly, it has transformed my life and I really can’t live without it.

In my stupidity I had thrown the box away which contained the screwdriver, thinking it was just any screwdriver – but of course it was not – it was a T6 torx screwdriver!!  What the fxxx was that?  I managed to contact the company that made the doorbell and to my relief and surprise they immediately offered to send me a replacement screwdriver from the USA free!!!  I never get anything free.  It is flying on its way to me now, but I couldn’t wait.  I really cannot survive without this bell.  Already I have missed two parcels because I couldn’t answer the door from work and mum was also ringing me at work, worrying that someone was knocking at the door and no one was in.

Honestly, everyone must get one of these.  It is truly amazing.  My husband was working in the front garden and having a very animated conversation with my son and daughter who were in Australia!! Imagine that!  I had sent them the link but didn’t imagine they could answer motion on the doorbell from the other side of the world.  I have been able to ask a delivery driver to wait, seen where parcels have been left and asked other callers to come back later.

The only downside is that it video’s you installing the thing.  I just hope the company do not keep this data to torment you with later!!  Apart from the practicality of the bell, you can have such a laugh with it too, believe me.  Some of the images it captures could earn someone a fortune on ‘You have been Framed’.

A glimpse of the future

It occurred to me that we all know that we will go through various stages in our lives, but we never seem to be prepared for them!   At 7 years of age we feel grown up and by 14 years of age we clearly know it all.  But in a flash we are in our 20’s and we have to actually start being grown up.

Continue reading “A glimpse of the future”