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  • FIRST POST
    • Cheery Daff
    • By Cheery Daff 26th Jan 14, 3:19 PM
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    Cheery Daff
    Cheery's buttling diary: tea in one hand, plant pot in the other, running shoes on
    • #1
    • 26th Jan 14, 3:19 PM
    Cheery's buttling diary: tea in one hand, plant pot in the other, running shoes on 26th Jan 14 at 3:19 PM
    <sneaks in hoping nobody will notice>

    Hi all

    Goodness me, it's been ever such a long time since I've been here! It seems I disappeared without a trace almost two whole years ago, and then life got in the way, and you know what it's like when you've been gone for so long, it's quite hard to come back...

    In fact, it's been so long since I went that maybe nobody even remembers I was here in the first place If you feel the need to delve into my history the latest (not-very-up-to-date) version is here, and the one before that is here.

    Anyway, I'm back again now and if I disappear again I promise I shall leave a note explaining myself

    I've decided to come back for two reasons:

    (1) I'm not in debt, but I'm also not-quite-as-much-in-control-as-I'd-like I've FINALLY combined finances with Mr Daffs (after 8 years) and there's lots of messing around related to that to be done

    (2) I've just spent a cheery couple of hours reading back through my old diaries (how very sad ) and remembering JUST HOW CHEERFUL it was in the old days of hanging round here

    I confess I'm a tiny bit daunted about coming back - one of the reasons I vanished was because I was spending FAR too much time on the internet and I'm wary of doing that again... But for now I've decided there's plenty of other things to worry about without bothering my little head about that one

    Ooh, I should probably explain the 'buttling' in my title It's a word I invented (although I suspect other people have invented it before me). It's kind of what butlers do, you see - they buttle - make tea and open doors and tidy up, and generally buttle around getting on with little things

    And while I don't intend to put on a suit and act like Jeeves any time soon (although actually come to think of it, he was a valet, not a butler), i LOVE using the word and spend much of every day buttling around doing all kinds of cheerful activities

    Suppose I'd best do something like talking about money now...
    Saved for house move: £13,152.95
Page 163
    • rtandon27
    • By rtandon27 17th Jun 17, 8:58 PM
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    rtandon27
    Welcome back Cheery!
    Mine/Hers: May 2011£10835.33May 2016£4709.46Oct 2016£0
    Not Mine/His: June 2016£8175.38Oct 2016£0
    Grand Total£0
    PSST - WE ARE DEBT FREE!!! (24 OCT 2016)
    (With heartfelt thanks to those who have gone before us & their indubitable generosity.)
    • Cheery Daff
    • By Cheery Daff 17th Jun 17, 9:34 PM
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    Cheery Daff
    Thanks

    Don't distract me though - I just sat down to do YNAB

    Got stuff I haven't cleared since 21st May Might be a long session... kettle's on...
    Saved for house move: £13,152.95
    • rtandon27
    • By rtandon27 17th Jun 17, 10:11 PM
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    rtandon27
    ...sneaks in to leave some biscuits...

    ...biscuits always help with YNAB...

    ...my session will be tomorrow, have gathered all the assorted receipts out of the bottom of my tote bag & OH has emptied his pockets of assorted paperwork...

    ...night night & happy YNABing
    Mine/Hers: May 2011£10835.33May 2016£4709.46Oct 2016£0
    Not Mine/His: June 2016£8175.38Oct 2016£0
    Grand Total£0
    PSST - WE ARE DEBT FREE!!! (24 OCT 2016)
    (With heartfelt thanks to those who have gone before us & their indubitable generosity.)
    • Cheery Daff
    • By Cheery Daff 17th Jun 17, 10:22 PM
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    Cheery Daff
    Mmm, biscuits

    Well, that's done but it was NOT pleasant - a right old mess and almost £200 went through the 'budget fiddling' category (which is where I round off the balance when I didn't write down what I spent stuff on...)

    Still, all straight now and didn't transfer allocated money to savings account last month, so just did £1250 in one go, and noticed that £18 interest had gone in there too House fund looking very healthy now, thank goodness Our budget has upped over the time we've been looking (partly cos I've had a couple of pay rises, partly cos we've seen how much we're comfortable saving etc) so obviously that will up the stamp duty fee so I must remember to account for that in savings. Clearly we're guessing about conveyancing, estate agent, survey etc costs (using Martin's guide) but I think by the time we actually get round to having to pay those things, we'll have more than enough (and in fact with what's in the ISA we *could* pay everything now if we had to, but hopefully we'll have enough in the instant access saver).

    Gosh, tired now!
    Saved for house move: £13,152.95
    • Cheery Daff
    • By Cheery Daff 17th Jun 17, 10:24 PM
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    Cheery Daff
    Seriously though, how to people afford to move house frequently?? I guess most of what we've saved will go towards stamp duty (which would obviously be cheaper if we were buying a cheaper house) but do people normally add the extra to the mortgage, or take a loan, or just save up every time?

    Right, now I really must get out of these painty overalls!
    Saved for house move: £13,152.95
    • EssexHebridean
    • By EssexHebridean 19th Jun 17, 12:38 PM
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    EssexHebridean
    I bet the majority just borrow more to cover all those costs without even thinking of it - and of course this is where first time buyers have a huge issue too - because they CAN'T do that as they've not got any equity in a property to take the costs from in the first place!
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£412.21
    • Greying Pilgrim
    • By Greying Pilgrim 26th Jun 17, 7:01 AM
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    Greying Pilgrim
    Cheery,

    Morning

    i've been and gorn and dunn it! I've signed up for the UFM - July on Mrs frugalwoods thread! I thought you did so well in January, that you have inspired me to have a bash

    One question, did you think that being in the faceache group added much to the experience? I'm not a fan of any of the media's sociale, and don't really want to join just for this challenge. But if you thought I would get, say, 50% more out of it all if I joined up, well then I suppose I had better.

    What's your opinion, dear heart?

    EDIT: Thanks for the quick response over on mine, love. Appreciated

    Greying X
    Last edited by Greying Pilgrim; 26-06-2017 at 7:04 AM.
    'Ich habe genug'

    'I am not in the pursuit of happiness, only in the discovery of joy' - Joyce Grenfell
    • Cheery Daff
    • By Cheery Daff 26th Jun 17, 6:49 PM
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    Cheery Daff
    Oops, didn't even see your post on here Greying - my own thread didn't show as having any new posts!

    Well, I am going to sign up too things have been getting rather spendy of late and we need to be in a good financial position right now.

    House moving is progressing slowly, but at least progressing. Had an estate agent round to value the other day, happy with what he said and he was muh cheaper than the folks we had 18 months ago

    Also went to see another house at the weekend that we fell in love with... and we put in an offer this morning

    Don't go getting excited though - it was rejected 30 mins later as the vendor was 'looking to get something closer to the asking price' Going to have a discussion with Mr Cheery about whether to put in another offer, but they said two lots of people are having a 2nd viewing this week and we can't afford to get into too much of a bidding war...

    Made an appointment with a different bank's mortgage adviser, although I was quite vexed to find, on ringing to make a 'branch appointment' that this does NOT mean an appointment in a branch, but rather a 90 minute telephone conversation amd only after that will they meet you face to face. I've booked it for later this week, but confess I'm exhausted even thinking about spending 90 mins on the phone with a bank...

    Also had a recommendation for an independent broker, so going to get in touch with them in the morning and see if I can make an appointment this week - if I can I'm tempted to cancel annoying bank and see where we get with them instead.

    Might also brave posting over on the mortgages board as we're in an odd situation with Mr Cheery being somewhat older than me - if we put him (and his earnings) on the mortgage, we don't get as long (and therefore potentially have less money) but can we NOT put him on given current house is in both our names? Also is it wise to use his pension lump sum towards deposit, and can we do that if he's not on the mortgage?

    Nothing's ever straightforward is it?

    Anyway, an uber frugal month might help to demonstrate to the bank that we can afford what we think we can afford. Although clearly not every month is going to be quite that frugal!

    Anyway, we'll see. Am thoroughly sick of living in building site and we are set on putting ours on the market the week of 10th July come what may!
    Saved for house move: £13,152.95
    • EssexHebridean
    • By EssexHebridean 27th Jun 17, 11:14 AM
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    EssexHebridean
    Hopefully your question about joint names on current house has already been answered elsewhere.

    Exciting to be at the point of actually being able to make proper offers on places you like! But I completely get why you're unimpressed with the bank - 90 minutes on the phone?!

    I shan't be participating in Uber Frugal July but will be cheering those of you who are on from the sidelines!
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£412.21
    • Cheery Daff
    • By Cheery Daff 28th Jun 17, 7:45 AM
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    Cheery Daff
    Thanks EH

    Got an appointment (face to face) with mortgage adviser this afternoon so have cancelled stupid bank. They just asked my date of birth and address and said 'right that's cancelled, bye' - no asking why, no attempt to rearrange. I mean of course I'd rather they weren't nosy but clearly they've got too much business to bother with being nice to a potential new mortgage client!!

    Hey ho. Have all our financial paperwork gathered up and we shall see where we end up...
    Saved for house move: £13,152.95
    • Cheery Daff
    • By Cheery Daff 1st Jul 17, 7:17 AM
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    Cheery Daff
    Well, what a difference a couple of days makes!

    We have a mortgage agreed in principle for 25 years

    We're going for a second viewing on our new house in 3 hours

    Photographer is booked for Wednesday morning

    Must say I LOVE having a broker I was slightly skeptical (I'm quite independent and believe myself capable of most things if I put my mind to them), but I had a recommendation from a friend, and as our situation is slightly odd with Mr Cheery going past retirement age during mortgage period, thought I'd give it a go.

    I also rather liked the idea of (a) only having to explain everything once, and (b) not having to grapple with online comparison sites - you know how much I hate checking the insurance and this is 100 times worse!

    Anyway, a 45 minute chat with him (in person, over a cuppa), and less than 48 hours later we had an offer with absolutely no messing about from me Now wondering whether I can get him to do other tasks for me

    Incidentally, part of the reason it was so straightforward was because I had all my financial paperwork in order - bank statements, payslips for me, tax returns and pension forecast for Mr Cheery - and a year's worth of YNAB reports showing actual expenditure on bills, but also household stuff of food, clothes, etc felt a bit embarrassed with my little graphs but he was delighted and it saved us sitting and guessing and filling the forms in on the spot - I just handed everything over and he did it after I'd gone

    Not sure what he made of my Budget Fiddling and No Quibble categories but still

    So we're now in a position to offer the asking price today if we decide to go ahead, and ohr estate agents are on standby to confirm we're booked in for Wednesday...

    Fingers crossed! Also fingers crossed for my poor back - going to be shifting a LOT of stuff in the next four days
    Saved for house move: £13,152.95
    • Cheery Daff
    • By Cheery Daff 1st Jul 17, 7:20 AM
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    Cheery Daff
    Oh, and I've signed up for Uber Frugal July which starts today - quite ridiculous given I'm likely to be spending hundreds of thousands of pounds this month but I'm sure we can be thrifty in other ways!
    Saved for house move: £13,152.95
    • Karmacat
    • By Karmacat 1st Jul 17, 10:13 AM
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    Karmacat
    Cheery, that's wonderful! Congratulations on the mortgage offer - a broker sounds a very good idea when you put it like that.

    And yes, there's going to be tidying fit to bust at your house before the photographer shows up - good luck with that.
    Retired August 2016
    • Cheery Daff
    • By Cheery Daff 1st Jul 17, 5:35 PM
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    Cheery Daff
    Thanks KC I think we're going to need all the luck we can get

    So, I have the evening to myself time to get things done (me and Mr Cheery do NOT work well together in a confined space...)

    So, here's the plan...

    * tidy entrance
    * bring everything down out of attic that's going to friend's spare room tomorrow (just for photos/viewings, then it can come back)
    * take everything into attic that needs to go

    That might take me the entire evening

    * sand and fill extra holes in skirting on landing stairs
    * paint skirting on landing stairs (if it looks dry/flat)
    * final coat on woodwork by entrance (actually, that might have to wait til tomorrow as I'll have filled the entrance full of boxes )
    * change sheets
    * wash bedding (I want the clean new white stuff on when they take the pictures)
    * paint round bathroom door (mostly done, but there was a bit of wood missing which we've now added)
    * any other bits and pieces of tidying...
    Saved for house move: £13,152.95
    • Cheery Daff
    • By Cheery Daff 1st Jul 17, 10:04 PM
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    Cheery Daff
    Hmm... Well I've got everything ready for friend's house, and I've lugged everything (I think) that's going from the attic into the cellar Goodness me there are a lot of stairs in this house Wishing I lived in a bungalow right now At least I'm going DOWN them, not up - although I suppose it'll all have to come out of the cellar at some point (hoping there will be removal folks involved in that stage...)

    Did sort out YNAB though Ooh, and the lovely mortgage broker said there are no arrangement fees for the mortgage he's found - I'd allocated £2000 as that's what had come up on Martin's best buy ones (with a lower rate than ours). That £2000 had its own YNAB category so I've switched it into the stamp duty one, along with the £600 we'll save by not going with the ludicrously expensive estate agent - which means with this month's wages we'll be only £100 short on stamp duty - and as it's Uber Frugal July I'm hoping to be able to put that away too

    That means that (unless anything goes drastically wrong) we'll definitely be able to cover all our moving expenses (including stamp duty) without touching what's in the ISA That can stay as a safety net (although it's a 30 day access one so I'll want some more easy access savings too...)

    Hmm - going to have to do a whole new budget... Might wait til they've actually accepted our offer mind you
    Saved for house move: £13,152.95
    • PurpleFairy26
    • By PurpleFairy26 1st Jul 17, 11:08 PM
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    PurpleFairy26
    Cheery so much going on. Considering a broker when we redo our mortgage in June too. We used to have a really good one but he moved to the states!

    I've signed up for UFJ too having read her site properly tonight, we already do lots of the food stuff and other things. But some things we definitely don't. Hoping it might just focus the mind if nothing else.
    • Cheery Daff
    • By Cheery Daff 1st Jul 17, 11:31 PM
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    Cheery Daff
    Hi PurpleFairy most cheery to see you

    Good to have some UFJ pals We do plenty of the things too, but especially with all this house business, we've been eating a fair few takeaways and in cafes... Not sure how much we're going to cut that toooo much as our mental health at the minute is dependent on being able to get *out* quite often, and to somewhere we don't have to decorate but there are plenty of things we could do I;m sure, and it will give me an incentive to getting value for money in the house buying process
    Saved for house move: £13,152.95
    • Karmacat
    • By Karmacat 2nd Jul 17, 11:04 AM
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    Karmacat
    Wow! Hang on ... you're taking stuff out of the attic and putting other stuff into it? Is that a predictive text error?

    The finances sound wonderful, and your use of a broker has obviously paid dividends already, good for you.

    I read about UFJ on the website, but as I'm not actually spending anything except on food bills and the odd train fare at the moment it doesn't really apply*. Cheering you on from the sidelines tho.


    *ETA - oh wait, I am - my weekly visits from my pest control guy. I consider that non-negotiable



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    Retired August 2016
    • EssexHebridean
    • By EssexHebridean 3rd Jul 17, 12:07 PM
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    EssexHebridean
    Definitely the right way forwards to use a broker if you have a slightly "non-standard" situation Cheery - and in fact I reckon that a lot of other folk can benefit from it too - we used one although again that was due to a no standard situation, definitely made life easier though!

    Hope your legs aren't feeling all the climbing of stairs too much today!

    I'm getting more and more tempted towards the UFJ idea albeit I'd be a late starter and I'm a bit concerned about this not being a great time of year to do it for me - but then again maybe I could do it for household type things and not personal? That might work? Might just make me focus a bit more again...
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£412.21
    • Cheery Daff
    • By Cheery Daff 3rd Jul 17, 5:50 PM
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    Cheery Daff
    You can do it for whatever bits you like - I just dif my personal spends and food and fun - no scrimping (or none more than normal) on what we spent doing up the house.

    On that front - news!

    Our offer has been accepted on our new fairytale house subject to us selling our own house, of course...

    .... photographer coming in 40 hours

    Hoovered more today than in the last year I think
    Saved for house move: £13,152.95
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