Ask Charlie

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Started this thread for Ask Charlie because it’s about to get busy for her moving/downsizing.

Life is very hard moving from a masssssssiiivvveee house in the country to a slightly less massive house with lots of outbuildings, absolutely beautiful gardens and stunning views. Holidays are still happening in the South of France and kids still seem to be at private schools.

Life truly is hard.
 
Thanks for the thread !

does anyone have any insider info on Charlie ?.

it’s odd she says she’s having to move for finances yet seems to be keeping the place she’s moving from.

can there really be that much difference in rent and running costs for this to be viable ?

has anyone seen her house for sale or on the rental market ?
 
I thought she was selling the bigger house- she was mentioning exchanging on it. But there’s a B&B business too so is that going as well?

It seems odd that Sigh wants to be selling property at his age and with kids. I would have thought there were other ways to save money?

(they are renting the new one aren’t they- it is all very confusing)
 
I think I was in half on half off mode when I watched the vlog ! I’ll re watch it and see if I can understand it better.

I sometimes can’t tell if she’s laughing or crying !

I’ve been trying to have a dig . I’m not sure which area the old house is in. I could check rightmove if I knew . The company she’s to do with I think the address of that is to do with an office not their old home .

selling makes sense rather than renting it out . Like you say though not ideal at their age.

the defender must of set them back a bit - maybe it’s on finance .
I know these things happen in life. Nothing is for certain . But she must be heartbroken to have to move . Also into rented is a bit odd. If it was short term I could understand it and bridge time whilst searching for a new place but they are fitting new kitchen and doing it up - they are doing a lot to it for a rental . I can’t understand it

are they renting for a few years u til the children are older and off to uni then she will buy a small cottage somewhere maybe ? I’m not even sure of the ages of her children. I don’t follow her like I follow some others . I can go a couple of months without watching her .

she is very good with home skills , she seems very capable . She also has seemed to have a lot going on with catering , children, vlogging, selling courses , horses , dog etc .

si seems to be the traditional husband who doesn’t do a lot to help in the house . His business is some sort of food business isn’t it ?
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The laundry room where she can only get two machines in and nothing else seems to be upsetting her. I think she’s the woman who wants that huge Aga kitchen , pantry and massive utility . She just isn’t getting what she wants with the house .
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So yes she sold the last house. It is pulborough but I can’t find so far sales details . Maybe she’s done it quietly and asked for details to be pulled down.

I wonder if the new house is in the same area
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No wonder I can’t find any trace of her house sale online. She says at the end of the vlog that the old house never went on the open market.

give it a few months and the sale details of how much she sold it for will be public information. I reckon she must of got 1.5-2 for what they have? Not sure of acres though .
 
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It’s such an odd scenario .

I’m guessing the mortgage rates were killing them and can uunderstand them downsizing . Unless they are getting a massive rent reduction why fit Aga and new kitchen etc. I can get why they would wait and see both how much houses might drop (altho they have remained steady not plummeted despite wars and all sorts of problems). Right now prices depend on how realistic and desperate each individual seller happens to be. They might be waiting for good mortgage

having to house the horses will of limited her options .

I personally would have thought they have a ton of equity in the house, whatever it was bought for it must of jumped in value (I’m guessing they have owned it a long time). I would have thought they would just buy a smaller place .

in comments someone asked about whether a certain family used to live there and she said yes. I had a dog about with the surname but couldn’t find anything out .
 
I wonder if the new kitchen is to soften the blow for her, she says it’s a big part of her Ask Charlie brand so I guess that’s her reasoning. I admire her openness about the situation, although maybe not great for the kids being shared so publicly. I was confused about the bedrooms, is one of her sons going to sleep in the shepherd hut? Surely they’d just put the daughter in the smaller room and the boys share as she first suggested.
 
So the latest holiday is a freebie from a friend at their villa.

she mentions some people are wondering why the move. I wonder if they had big unpaid tax bills and possibly penalties to pay which can be up to 200% of what was due. If they have been in a corner and spent the money which should have paid the taxman maybe that’s why they are moving like this.

she has no b&b ‘s to manage which will make her life more pleasurable I’d imagine

she thinks she can clean the new house too to bottom in 2 hrs - I doubt that very much !.

I do think she was stretching herself previously with all the errands on her plate .

I wonder how much she is under Simon’s thumb?. She said if he sees her making granola when she should be packing “he will be having words”.
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She says she’s had lots of comments on how good her skin looks , but I could see how bumpy and spotty her chin was towards the start of the vlog .
 
ella1979 said:
So the latest holiday is a freebie from a friend at their villa.

she mentions some people are wondering why the move. I wonder if they had big unpaid tax bills and possibly penalties to pay which can be up to 200% of what was due. If they have been in a corner and spent the money which should have paid the taxman maybe that’s why they are moving like this.

she has no b&b ‘s to manage which will make her life more pleasurable I’d imagine

she thinks she can clean the new house too to bottom in 2 hrs - I doubt that very much !.

I do think she was stretching herself previously with all the errands on her plate .

I wonder how much she is under Simon’s thumb?. She said if he sees her making granola when she should be packing “he will be having words”.
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She says she’s had lots of comments on how good her skin looks , but I could see how bumpy and spotty her chin was towards the start of the vlog .
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She inherited a large property from her mother which she ran as a holiday let…that also looks to be on the market for £1,475m. In the vlog where she confirms they are selling up their family home, she mentions that they didn’t officially put their home on the market, so perhaps they sold it to someone they knew and left out the middleman. Either way they probably have a lot of capital gains to pay.

Someone in the comments video on YT questions the fact she’s claiming to have financial issues even though she’s refurbishing a rented property which involves having a custom made kitchen fitted with new Aga; she also has a top spec Range Rover, has a cleaner, a gardner and sends her children to boarding school etc…Charlie hits back with a comment saying she doesn’t need to explain herself, well actually if she’s pushing a membership where some silly people will start throwing money at her because they think the person they’re watching is having money issues then there does need to be some transparency.
 
That’s interesting. I wonder if she will claim she lived at said property and try to get around the tax that way .

Isn’t is something like 30% tax on that??

With the equity of their home plus the property value you have told us about it seems even stranger why she hasn’t bought .

If it was the case they haven’t bought because they found a buyer for theirs but just couldn’t find an equestrian property in time then I’d understand that but I also think if that was the case she would be saying so.

Instead she alludes discreetly to financial changes and goes into no detail.

With all the equity it is weird.

Could si have loans secured against his house perhaps ..?

For £3 someone with the address could look that up although it wouldn’t give the figures owed just the registered charges against property title
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Maybe they are renting until children have flown nest then horses can either be sold off or retired to grass only livery which is fairly inexpensive and they will then buy a 4 bed detached with just a garden ??? Maybe it’s a waiting game where they aren’t wasting money buying then reselling .

In fact if they bought a house then they would own two houses and not get around that tax bill .

Maybe this is why . If they own one house maybe they think they can get around the capital gains tax by fibbing ??

What they may not know if estate agents have to now report deposits they take on rentals to inland revenue so landlords not paying tax are often caught on the hop by that system set up to catch people out . Maybe she’s kept herself off the rental agreement and off electoral role though to get around that .

It’s a thought !
 
They went on holiday in half term too. Was that a freebie as well?

Will there be capital gains on the b and b if it was an inheritance property (assuming she paid inheritance tax on it?). Not up to speed on second properties etc.

Their lifestyle definitely doesn’t look from the outside as though they are having money troubles. I am convinced the son in Scotland goes to Gordonstoun which is a huge outlay.

I agree with the above that if you are asking for subscribers for a blog about your life you have to be more transparent. You can’t have in both ways. Influencers and bloggers seem to want it so nowadays.
 
Her financial issues are not the type I would call a worry - the fact she is still rushing off for facials and hiring a company calling themselves professional organisers to help her doesn't give off the impression she's struggling. Has she actually sold her family home? She has her mother's property up for sale. She said she had completed contracts on her family home, but perhaps she is renting out her home which enables her to rent the smaller property? She seems to have a few businesses and trusts under her name on companies house, and with her money I'm sure she's hired the best accountant money can buy.
 
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She has been emotional and seemed worried I thought. I don’t think it’s a decision she’s wanted to make but it doesn’t add up she has made it
 
Maybe they can’t afford to buy the sort of property they want to live in and guarantee they’ll get their kids through education? I guess depends how badly his business is doing / loans etc. Do you think she’ll be able to claim the kitchen as a business expense, seeing as she made the comment about it being essential for Ask Charlie?
 
I would imagine so re the kitchen .

True re education. Especially with labour slapping on 20% to school fees , plus all the other costs associated with private education such as more expensive trips etc, etc.
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Does she have any siblings to split her mother’s house with?

1 million invested could bring easily over 4% right now
 
Oh I’m very happy to have found this thread! It is odd about her financial situation, I simply cannot understand the reasoning behind why they are choosing to rent but anyways.
I would also like to mention that her brother Ed Holloway used to be a doctor but now isn’t because he was taking sick days off to commentate and was found out. (This is all public info btw).
 
A1400 said:
Oh I’m very happy to have found this thread! It is odd about her financial situation, I simply cannot understand the reasoning behind why they are choosing to rent but anyways.
I would also like to mention that her brother Ed Holloway used to be a doctor but now isn’t because he was taking sick days off to commentate and was found out. (This is all public info btw).
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I saw a vlog where she said her brother was a commentator, no reference to the doctor part 🤣
 
Maybe Sigh is retiring from his business and Charlie's business brings nowhere near to what is needed to send their daughter to a local private school and their two sons to a very expensive boarding school.
 
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