{"id":16313,"date":"2014-06-08T11:09:25","date_gmt":"2014-06-08T10:09:25","guid":{"rendered":"http:\/\/ourtour.co.uk\/home\/?page_id=16313"},"modified":"2018-12-27T17:36:28","modified_gmt":"2018-12-27T17:36:28","slug":"keeping-sight-of-the-blinding-light","status":"publish","type":"post","link":"https:\/\/ourtour.co.uk\/home\/keeping-sight-of-the-blinding-light\/","title":{"rendered":"Keeping Sight of the Blinding Light"},"content":{"rendered":"<section  class='av_textblock_section av-jq6w2rxj-0661f6adef73ebea00dfc67cf2101a81 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><p><em><img loading=\"lazy\" decoding=\"async\" class=\"alignright size-full wp-image-33015\" src=\"https:\/\/ourtourmedia.s3.eu-central-003.backblazeb2.com\/wp-content\/uploads\/2018\/12\/money-muppet-square.jpg\" alt=\"money muppet logo\" width=\"300\" height=\"249\" \/>This blog post was originally written in June 2014 for our sister website &#8211; The Money Muppet. We set that site up in January 2014 as we embarked on our journey to financial freedom. The Money Muppet site no loner exists, so we&#8217;ve incorporated our financial journey into our travel blog.<\/em><\/p>\n<p>Hi folks. I&#8217;ve just checked the last post and it went up over two months ago. We&#8217;ve made a few things happen in our financial lives since then:<\/p>\n<ul>\n<li>We&#8217;ve sold our old roaming home, the <a href=\"http:\/\/ourtour.co.uk\/home\/hymer-b544-motorhome-for-sale-seeks-new-loving-home\/\" target=\"_blank\" rel=\"noopener\">motorhome formerly know as Dave<\/a>. Why? After two years of adventures, nipping out to campsites in the UK wasn&#8217;t holding the same appeal it used to. Dave was sitting idle, costing us hundreds of \u00a3s in servicing, tax and insurance fees. It was time to let go.<\/li>\n<li>We&#8217;ve watched our shares with interest, seeing one company dropping almost 25% in a matter of days. The Vanguard ETFs have all performed well though, rising around 3% in capital value over an 80 day period. Our overall strategy is to buy and hold, so we&#8217;ll not really know how well our shares are doing until a few years have passed.<\/li>\n<li>We&#8217;ve tracked our day to day spending, and are currently getting through \u00a320k a year, everything in, including rent and one-off costs, \u00a31700 a month.<\/li>\n<li>And we bought a butchers shop.<\/li>\n<\/ul>\n<p>Yep. After spending months hunting through home.co.uk and zoopla, and putting in offers on two other houses, we fell in love with a disused butchers shop in the nearby town of Kimberley. The story in short:<\/p>\n<ul>\n<li>The shop was a butchers for maybe 40 years, closing when one of the owners retired in 2013.<\/li>\n<li>It was sold at auction to an investor who put in planning permission to change use to a take-away, which was turned down by the council (it&#8217;s in a conservation area, so not too surprising).<\/li>\n<li>The new owner decided to cut his losses and resell at auction but it didn&#8217;t sell.<\/li>\n<li>We then arrived on the scene, only going to look at it on a whim. It&#8217;s a mixed-use property and marketed as commercial, which really wasn&#8217;t our thing.<\/li>\n<li>We fell in love with the place and after a few days of sleepless nights bought it under auction conditions for \u00a387,000. We exchanged contracts the day we agreed the price, and completed a month later. With the re-mortgage money from the bungalow (which now has 40% of our capital in it, so not too highly leveraged), and cash from Dave and work, we bought it without a mortgage.<\/li>\n<\/ul>\n<p>A couple of\u00a0pictures of our new home.<\/p>\n\n\t\t<style type=\"text\/css\">\n\t\t\t#gallery-1 {\n\t\t\t\tmargin: auto;\n\t\t\t}\n\t\t\t#gallery-1 .gallery-item {\n\t\t\t\tfloat: left;\n\t\t\t\tmargin-top: 10px;\n\t\t\t\ttext-align: center;\n\t\t\t\twidth: 50%;\n\t\t\t}\n\t\t\t#gallery-1 img {\n\t\t\t\tborder: 2px solid #cfcfcf;\n\t\t\t}\n\t\t\t#gallery-1 .gallery-caption {\n\t\t\t\tmargin-left: 0;\n\t\t\t}\n\t\t\t\/* see gallery_shortcode() in wp-includes\/media.php *\/\n\t\t<\/style>\n\t\t<div id='gallery-1' class='gallery galleryid-16313 gallery-columns-2 gallery-size-large'><dl class='gallery-item'>\n\t\t\t<dt class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/ourtour.co.uk\/home\/keeping-sight-of-the-blinding-light\/dsc00364\/'><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/ourtourmedia.s3.eu-central-003.backblazeb2.com\/wp-content\/uploads\/2015\/02\/DSC00364-1024x768.jpg\" class=\"attachment-large size-large\" alt=\"\" aria-describedby=\"gallery-1-16349\" srcset=\"https:\/\/ourtourmedia.s3.eu-central-003.backblazeb2.com\/wp-content\/uploads\/2015\/02\/DSC00364-1024x768.jpg 1024w, https:\/\/ourtourmedia.s3.eu-central-003.backblazeb2.com\/wp-content\/uploads\/2015\/02\/DSC00364-300x225.jpg 300w, https:\/\/ourtourmedia.s3.eu-central-003.backblazeb2.com\/wp-content\/uploads\/2015\/02\/DSC00364-174x131.jpg 174w, https:\/\/ourtourmedia.s3.eu-central-003.backblazeb2.com\/wp-content\/uploads\/2015\/02\/DSC00364-70x53.jpg 70w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a>\n\t\t\t<\/dt>\n\t\t\t\t<dd class='wp-caption-text gallery-caption' id='gallery-1-16349'>\n\t\t\t\t James Street, Kimberley, Nottingham\n\t\t\t\t<\/dd><\/dl><dl class='gallery-item'>\n\t\t\t<dt class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/ourtour.co.uk\/home\/keeping-sight-of-the-blinding-light\/dsc00382\/'><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/ourtourmedia.s3.eu-central-003.backblazeb2.com\/wp-content\/uploads\/2015\/02\/DSC00382-1024x768.jpg\" class=\"attachment-large size-large\" alt=\"\" srcset=\"https:\/\/ourtourmedia.s3.eu-central-003.backblazeb2.com\/wp-content\/uploads\/2015\/02\/DSC00382-1024x768.jpg 1024w, https:\/\/ourtourmedia.s3.eu-central-003.backblazeb2.com\/wp-content\/uploads\/2015\/02\/DSC00382-300x225.jpg 300w, https:\/\/ourtourmedia.s3.eu-central-003.backblazeb2.com\/wp-content\/uploads\/2015\/02\/DSC00382-174x131.jpg 174w, https:\/\/ourtourmedia.s3.eu-central-003.backblazeb2.com\/wp-content\/uploads\/2015\/02\/DSC00382-70x53.jpg 70w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a>\n\t\t\t<\/dt><\/dl><br style=\"clear: both\" \/>\n\t\t<\/div>\n\n<p>It&#8217;s basically a Victorian semi, small shop with cellar, three bedrooms, shower room, kitchen, lounge, workshop and car port. The place comes with some &#8216;problems&#8217;, but in life in general we&#8217;ve come to recognise problems as places of serious opportunity:<\/p>\n<ul>\n<li>There&#8217;s a whole load of chiller equipment to be rid of, including 3 walk-in cold rooms!<\/li>\n<li>There&#8217;s no garden as such, but it has an open yard space which gets sun during the day<\/li>\n<li>It&#8217;s in a conservation zone, so changing use might prove difficult<\/li>\n<li>The boiler is in a bedroom<\/li>\n<li>The bathroom is compact (very small!), and off one of the bedrooms with no option to easily pop in a corridor or move it<\/li>\n<\/ul>\n<p>On the plus side:<\/p>\n<ul>\n<li>The rooms are a good size<\/li>\n<li>It&#8217;s in solid condition (external walls and chimneys well re-pointed, good double-glazing in most of the building, newish combi-boiler, roof in good condition)<\/li>\n<li>It&#8217;s very close (a minute&#8217;s walk) to local shops, library, post office, restaurants, pubs and the main bus and road routes to central Nottingham<\/li>\n<li>It&#8217;s maybe 5 minutes walk out to countryside<\/li>\n<\/ul>\n<p>The development plan&#8217;s up in the air at the moment, whether we go for conversion to a house, to two flats or to leave it as a combined shop\/house. We dunno. A commercial letting agent&#8217;s coming round tomorrow for a chat; hopefully this will be enough to guide our next move. Whatever happens, we move in in a week and will renovate while we live in there (mess for months, but saving us \u00a3500 a month in rent which can go into the works).<\/p>\n<p>Right, time to get some tea, cheers, Jay<\/p>\n<p>P.S. while me tea cools enough to eat. The post title <a href=\"https:\/\/www.amazon.co.uk\/gp\/product\/0007306202\/ref=as_li_tl?ie=UTF8&amp;camp=1634&amp;creative=6738&amp;creativeASIN=0007306202&amp;linkCode=as2&amp;tag=financial-freedom-posts-21&amp;linkId=ef5c6a500942bdeace79989dfa43dfc9\">came from this book<\/a>\u00a0about a lady who literally ran around the world, taking 5 years, telling everyone who would listen to get early cancer checks after her beloved husband died of the disease. Our cause has none of this nobility of course, but we&#8217;re working hard to keep sight of our goal to be financially free, and I love the mantra: don&#8217;t lose sight of <em>your<\/em> blinding light.<\/p>\n<p style=\"text-align: right;\">Previous: <a title=\"The Money Muppet \u2013 First Timer\u2019s Foray into the Stock Market\" href=\"https:\/\/ourtour.co.uk\/home\/first-timers-foray-into-the-stock-market\/\" target=\"_blank\" rel=\"noopener\">First Timer&#8217;s Foray into the Stock Market<\/a><br \/>\nNext: <a title=\"The Money Muppet \u2013 Shop for Let!\" href=\"https:\/\/ourtour.co.uk\/home\/shop-for-let\/\" rel=\"noopener\">Shop to Let<\/a><\/p>\n<\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<p>Our journey to financial freedom continues. Six months in and we&#8217;ve now invested in property, buying  a former butchers shop to renovate and live in.<\/p>\n","protected":false},"author":1,"featured_media":33015,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[534],"tags":[840,824,885,645,846,886],"class_list":["post-16313","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-the-money-muppet","tag-early-retirement-blog","tag-financial-education","tag-financial-education-blog","tag-financial-independence","tag-investments","tag-property-investment"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Keeping Sight of the Blinding Light - Our Tour Motorhome Blog<\/title>\n<meta name=\"description\" content=\"Our journey to financial freedom continues. Six months in and we&#039;ve now invested in property, buying a former butchers shop to renovate and live in.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ourtour.co.uk\/home\/keeping-sight-of-the-blinding-light\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Keeping Sight of the Blinding Light - Our Tour Motorhome Blog\" \/>\n<meta property=\"og:description\" content=\"Our journey to financial freedom continues. Six months in and we&#039;ve now invested in property, buying a former butchers shop to renovate and live in.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/ourtour.co.uk\/home\/keeping-sight-of-the-blinding-light\/\" \/>\n<meta property=\"og:site_name\" content=\"Our Tour Motorhome Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/OurTour\/\" \/>\n<meta property=\"article:published_time\" content=\"2014-06-08T10:09:25+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2018-12-27T17:36:28+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/ourtour.co.uk\/home\/wp-content\/uploads\/2018\/12\/money-muppet-square.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"300\" \/>\n\t<meta property=\"og:image:height\" content=\"249\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Jason\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@ourtourblog\" \/>\n<meta name=\"twitter:site\" content=\"@ourtourblog\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Jason\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/ourtour.co.uk\\\/home\\\/keeping-sight-of-the-blinding-light\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/ourtour.co.uk\\\/home\\\/keeping-sight-of-the-blinding-light\\\/\"},\"author\":{\"name\":\"Jason\",\"@id\":\"https:\\\/\\\/ourtour.co.uk\\\/home\\\/#\\\/schema\\\/person\\\/28b4763ac800fdf951974d671ed33d28\"},\"headline\":\"Keeping Sight of the Blinding Light\",\"datePublished\":\"2014-06-08T10:09:25+00:00\",\"dateModified\":\"2018-12-27T17:36:28+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/ourtour.co.uk\\\/home\\\/keeping-sight-of-the-blinding-light\\\/\"},\"wordCount\":845,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/ourtour.co.uk\\\/home\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/ourtour.co.uk\\\/home\\\/keeping-sight-of-the-blinding-light\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/ourtourmedia.s3.eu-central-003.backblazeb2.com\\\/wp-content\\\/uploads\\\/2018\\\/12\\\/money-muppet-square.jpg\",\"keywords\":[\"early retirement blog\",\"financial education\",\"financial education blog\",\"Financial Independence\",\"investments\",\"property investment\"],\"articleSection\":[\"The Money Muppet\"],\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/ourtour.co.uk\\\/home\\\/keeping-sight-of-the-blinding-light\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/ourtour.co.uk\\\/home\\\/keeping-sight-of-the-blinding-light\\\/\",\"url\":\"https:\\\/\\\/ourtour.co.uk\\\/home\\\/keeping-sight-of-the-blinding-light\\\/\",\"name\":\"Keeping Sight of the Blinding Light - Our Tour Motorhome Blog\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/ourtour.co.uk\\\/home\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/ourtour.co.uk\\\/home\\\/keeping-sight-of-the-blinding-light\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/ourtour.co.uk\\\/home\\\/keeping-sight-of-the-blinding-light\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/ourtourmedia.s3.eu-central-003.backblazeb2.com\\\/wp-content\\\/uploads\\\/2018\\\/12\\\/money-muppet-square.jpg\",\"datePublished\":\"2014-06-08T10:09:25+00:00\",\"dateModified\":\"2018-12-27T17:36:28+00:00\",\"description\":\"Our journey to financial freedom continues. 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