Moving House, Renovations & OPs

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  • Hello diary!
    I've been stressing a lot this week over surveys, solicitors and search results.
    Last night DH bought home flooring catalogues from a mate (mates rates :beer:) and I'm back to being super excited :j:j.
    All is fine really, it's an old house so insurance and an emergency fund will be grand :)
    "Why not now, OK so when and how," ElephantChunks.
    Electrics re-wire savings Oct 18 - March 2020 WE GOT ELECTRIC!
    Heating Loan Sept 0/£5000
    SPC14 #65
  • How exciting! I hope it all comes together soon, sounds like you're on track with your plans!
  • Hello Elephant. Also moving, I feel your pain on the telephone appointment!

    I feel like each thing we do is a hurdle to be got over.
  • Dogbooks
    Dogbooks Posts: 32 Forumite
    I'm glad you had a lovely holiday away! :)

    How are you getting on with your budgets so far? Some people like to put their saving goals as part of their signature and then you can see progress you've made :)

    Hopefully the rest of the process goes smoothly (and quickly!!) for you!
    Goals for 2017:
    • [STRIKE]Complete purchase of house[/STRIKE]
    • Save emergency fund- £1200/ £9300
  • Thisgirlcan, Smallholding and Dogbooks - Thank you for popping in and for your support I really appreciate it :) I will check out your threads.

    You're right Dogbooks I need to keep on top of this budget!

    Here is my short term monthly budget:
    Food - £98.36/£300 full freezer so should be less next week
    Petrol - £20.11/£125
    Cigs - £13.62/£65
    Fun me - £12.05/£100 Cinema-Pirates of Caribbean. Johnny Depp-Mnom
    Fun DH - £12.05/£100 Cinema-Pirates of Caribbean
    Driving lessons - £25/£225
    Extra saved - £40 from change vase

    We have been for ANOTHER drive by of the new house today. They could get a restraining order on us at this rate :rotfl:
    "Why not now, OK so when and how," ElephantChunks.
    Electrics re-wire savings Oct 18 - March 2020 WE GOT ELECTRIC!
    Heating Loan Sept 0/£5000
    SPC14 #65
  • Its too tempting isn't it?!
  • Its too tempting isn't it?!

    It really is! We promised ourselves not to explore (walking) any more until we move. It seems driving around it and the local villages is allowed though :)
    "Why not now, OK so when and how," ElephantChunks.
    Electrics re-wire savings Oct 18 - March 2020 WE GOT ELECTRIC!
    Heating Loan Sept 0/£5000
    SPC14 #65
  • We did lots of drive-bys! We were shown round by the vendors not the EAs which I hated every other time it happened with other houses but they were nice and unsalesy and left us alone to explore. But they would definitely have recognised us going at 3mph staring in at them and commenting on the state of the roof.

    And £40 from change vase is excellent!
    Mortgage £225k May 2017 - aim to pay off by Jan 2030 - MFW 2017 #118
    Outstanding mortgage: £81,987
    Cash reserve target £40 / £10k
    S&S ISA £1000/ £20k
    MF1 August 2016. approx (£152k start Jan 2009)
    MFW 2 TBD
  • Oops I've been absent as no money saving has been done.

    Here is my short term monthly budget:
    Food - £164.83/£300. £66.47 this week. This is more than half with 3 weeks left. Need to sort this.
    Petrol - £38.79/£125. Looking good.
    Cigs - £41.22/£65. Eek!
    Fun me - £32.05/£100. £10 grandad gift. £10 Xmas saver.
    Fun DH - £12.05/£100. £0 This week.
    Driving lessons - £50/£225
    Extra saved - £0. Need to do some ebaying.

    I've never done this properly before. DH doesn't do receipts so now all the money is in 1 bank and I can just go on the bank account and work out where its all gone at the end of the week. It's working :T

    Plan - Buy enough freezer food, snacks and lunches to last 3x weeks so we can stop using the convenience store other than for bread, milk and fruit. Have as many NSD as possible.
    "Why not now, OK so when and how," ElephantChunks.
    Electrics re-wire savings Oct 18 - March 2020 WE GOT ELECTRIC!
    Heating Loan Sept 0/£5000
    SPC14 #65
  • We received the survey this week. It has put a slight downer on the pretty decorating budget. The house is structurally sound and these things are to be expected with an early 1900s house which has been lived in by our vendors for nearly 60 years.

    So here is the budget before survey:
    £150 - kitchen ceiling
    £1000 - roof tiling + chimney
    £1000 - flooring
    £400 - paint
    £100 - road mirrors
    £2000 - log burner + fireplace
    £1000 - garage longer
    £450 - lights
    £400 - wardrobes
    £1400 - misc
    £2000 - save

    £9900 Total (This is the amount we expect to have available when we move)

    But, after the survey the projected budget is as follows:
    £2000 - damp course
    £3000 - septic tank + drains (worst case, so hopefully not!)
    £150 - kitchen ceiling
    £1000 roof tiling + chimney flashing
    £1000 - flooring+rugs
    £200 - paint
    £100 - mirrors road (dodgy turning)
    £2000 - log burner + fireplace
    £0 - garage longer
    £250 - lights
    £200 - wardrobes
    £0 - misc
    £0 - save
    = £9900

    Some are these are worst case. We will do things in priority order and see what's left/not possible. They are all calculated guestimates but it will be good to look back at this. Misc is obviously going to need some ££ too. I really wanted to save at least £2000 EF and will hopefully do so if the big things cost less. I'm just not ready to take the log burner off the list yet.
    "Why not now, OK so when and how," ElephantChunks.
    Electrics re-wire savings Oct 18 - March 2020 WE GOT ELECTRIC!
    Heating Loan Sept 0/£5000
    SPC14 #65
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