The New Adventures of Fortune

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  • beanielou
    beanielou Posts: 90,243 Ambassador
    Academoney Grad I'm a Volunteer Ambassador Mortgage-free Glee! Name Dropper
    It's all happening :)
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Fortune_Smiles
    Fortune_Smiles Posts: 5,033 Forumite
    First Anniversary Name Dropper Photogenic First Post
    I've had a bit of a lazy weekend :o Mr F went off on an adventure with DS1 just the two of them so I have spent the time watching films on N3tflix, eating ice cream and looking at decorating ideas for the new house on the internet :D

    Despite the above, I did manage to carry a few small stones:
    • met with a friend for coffee on Friday for a catch up. She is very excited for me and it was lovely to talk about the plans with someone who is genuinely happy for us. She also saw a relatively high value item I'd listed for sale on FB and has said she wants it
    • received the Completion Certificate :j Relieved to have it sorted although I notice that it doesn't cover the electrical work we had done so I think we might get a request for a separate certificate for that at some stage. We'll cross that bridge if we come to it
    • have put the Completion Certificate in an envelope along with some further paperwork for the solicitors so it's all ready for posting tomorrow
    • I've sold another item on Fleabay so I'll package that up for posting once the listing ends
    • a case of wine arrived courtesy of Mr F's Avi0$ points :T
    • the renewal for my car insurance has arrived and it looks to be about £50 cheaper than last year :T I'll have a proper look through later but it's likely I'll stay with them as they are a specialist and have always worked out cheaper than others in the past.

    Everything seems to be moving in the right direction :)

    Hope you're having a happy Sunday

    Fortune x
    Mortgage: 86% paid Mortgage Neutral: 100% Emergency Fund: 100%
    A Better View 🌄 'Being on the edge isn't as safe, but the view is better' - Ricky Gervais
  • beanielou
    beanielou Posts: 90,243 Ambassador
    Academoney Grad I'm a Volunteer Ambassador Mortgage-free Glee! Name Dropper
    All sounding good :)
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • doingitanyway
    doingitanyway Posts: 8,737 Forumite
    First Anniversary Name Dropper First Post Mortgage-free Glee!
    Everything seems to be moving in the right direction :)
    Fortune x
    Indeed it does :)
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them.

    Solicitor/survey savings 300/1700
    Emergency fund 0/1000
    Buffer fund 0/200
  • Fortune_Smiles
    Fortune_Smiles Posts: 5,033 Forumite
    First Anniversary Name Dropper Photogenic First Post
    Today has not gone as planned.

    I was due to meet a friend for coffee this morning but she had to pull out :( Bit disappointed as I particularly wanted to talk to her about how she runs her B&B. I haven't mentioned this yet but the new house has a self-contained annex. It's possible that a family member may want to rent it from us but, if not, we could run it as a holiday let. Any money made would be used to OP :T

    Popped to the P0st 0ffic£ to send off the solicitor's info and the Fleabay item.

    Checked the car insurance and there are a few updates I need to give them but the cost looks fine. I am in the unusual position that my car is increasing in value as time goes on.

    Having an extra few hours available prompted me to do something with the rhubarb. I didn't use much last year and ended up giving most of it away. Not this year. I have made:
    • Rhubarb Crumble Muffins. I used double cream and yoghurt instead of buttermilk as that's what I had. Next time I'd reduce the oven temperature a little and cook them for longer if necessary. 200c fan is a little too high and I only caught the tops before they scorched. Mr F has quality tested them already
    • Banana, Rhubarb and Ginger Loaf. This is a completely new recipe to me and Mr F hasn't got round to testing the outcome yet. I'll be popping it in the freezer for the weekend as the DSs are coming to stay
    • Rhubarb Cordial. Added a couple of frozen raspberries to the mix to enhance the colour.

    I'll probably make a rhubarb and pear crumble for pudding at the weekend too. Then I'll have really done the plant justice :D

    Whilst mid-rhubarbing a shelf in one of the kitchen cabinets collapsed :eek: Broken crockery everywhere :eek: Fortunately it was only the cheap and nasty everyday stuff which I want to replace anyway and I managed to salvage most items.

    I spent a lot of money last night. The things we need for the new house include a cooker, a fridge and a vacuum for wood floors. I particularly wanted a Dy$0n F1uffy although I was balking at the cost :eek: Discovered that Dy$0n have a promotion on at the moment and are offering £150 off :T Still expensive but I applied the MSE mantra (If you're not skint: will you use it? is it worth it?) and decided it was a good buy. Particularly as there will be more rooms to vacuum in the new place as well as an annex :eek: Will be posting some FB sales items tomorrow to see if I can recoup some of the cost :)

    Having a quick coffee break now before starting on the on-line grocery shop. Then we'll have to get the paperwork together for the IFA as we're meeting him tonight. It'll be a quick supper as we're seeing him at 6.30. Fortunately, there is some Veg & Cheesy Rice Bake left over from last night so that will just need popping in the microwave.

    Hope you're week has started well

    Fortune x
    Mortgage: 86% paid Mortgage Neutral: 100% Emergency Fund: 100%
    A Better View 🌄 'Being on the edge isn't as safe, but the view is better' - Ricky Gervais
  • Moneyfordreams
    Moneyfordreams Posts: 2,442 Forumite
    First Anniversary Name Dropper First Post
    We rent our top floor via @irbnb. Too simple to set up really. Register through FB, upload a load of pics, write a description and house rules.... which mostly are tick boxes, and go live.
    Mortgage restart June 2018 £119950Re mortgage August 19 £110470, … Mortgage November 22 £85600 final 0% CC 3300Home renovations - £65000, mid 2018 - mid 2022
  • Fortune_Smiles
    Fortune_Smiles Posts: 5,033 Forumite
    First Anniversary Name Dropper Photogenic First Post
    We rent our top floor via @irbnb. Too simple to set up really. Register through FB, upload a load of pics, write a description and house rules.... which mostly are tick boxes, and go live.

    Will definitely be looking into @irbnb Money. May come back to you when the time's right for some insights if that's ok. I also have a niece who works in the holiday let business so will give her a shout as well. We have some renovation works to do on outbuildings when we move in so will get those sorted first. We will need to use the annex for storage until those are completed because we have no attic space either!

    Fortune x
    Mortgage: 86% paid Mortgage Neutral: 100% Emergency Fund: 100%
    A Better View 🌄 'Being on the edge isn't as safe, but the view is better' - Ricky Gervais
  • We met with the IFA last night and completed all the paperwork for the new mortgage :eek: Mr F and I have already made plans for OPing :)

    I feel quite relaxed about taking on a bigger amount. We've been sensible about what we can afford and will still be able to live a little. I am quite risk averse where finances are concerned so I even have a disaster recovery plan for worst case scenarios ;)

    The mortgage will be the same size as the one we took on when we first moved to our current home. Only then we had a lower income, interest rates were higher and we were borrowing three quarters of the value of the house. Now we'll be borrowing one third of the value of the house and the annex will give us some extra income potential. Plus I can always get a job again if ever needed :eek:

    Just a matter of waiting for the conveyancing process to take its course now. Our solicitors have a website where you can check progress although it doesn't really go into much detail - instructed, contract sent/received, ready to exchange, exchanged, completed :rotfl:

    So just waiting.... waiting... still waiting... are we there yet?

    Fortune x
    Mortgage: 86% paid Mortgage Neutral: 100% Emergency Fund: 100%
    A Better View 🌄 'Being on the edge isn't as safe, but the view is better' - Ricky Gervais
  • doingitanyway
    doingitanyway Posts: 8,737 Forumite
    First Anniversary Name Dropper First Post Mortgage-free Glee!
    Not many more sleeps now Fortune :)
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them.

    Solicitor/survey savings 300/1700
    Emergency fund 0/1000
    Buffer fund 0/200
  • Our solicitors are not dragging their feet :eek: The draft contract was sent to our buyers yesterday :eek: Nothing from our vendor's solicitors yet though.

    We also had confirmation from the lender that they have received our mortgage application.

    Better get on with the decluttering.

    Had my hair cut and coloured yesterday. Hairdresser charged me more than usual :( but I can't really complain as he's been charging me half the usual price since I retired and I still got some money off.

    Popped in to deliver a card to a friend who is off to travel the world in a camper van :D Got wine and cake for my trouble :D

    I've sorted out some paperwork for the move this morning and the rest of the day will be spent getting the house ready for the DS's visit at the weekend.

    Better get started...

    Fortune x
    Mortgage: 86% paid Mortgage Neutral: 100% Emergency Fund: 100%
    A Better View 🌄 'Being on the edge isn't as safe, but the view is better' - Ricky Gervais
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