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    • Cheery Daff
    • By Cheery Daff 26th Jan 14, 3:19 PM
    • 7,418Posts
    • 35,738Thanks
    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
    • 1,914 Posts
    • 11,564 Thanks
    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
    • 7,418 Posts
    • 35,738 Thanks
    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
    • 1,914 Posts
    • 11,564 Thanks
    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
    • 7,418 Posts
    • 35,738 Thanks
    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
    • 7,418 Posts
    • 35,738 Thanks
    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
    • 7,309 Posts
    • 38,559 Thanks
    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/£373.02
    • Greying Pilgrim
    • By Greying Pilgrim 26th Jun 17, 7:01 AM
    • 3,524 Posts
    • 38,558 Thanks
    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; Yesterday 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
    • 7,418 Posts
    • 35,738 Thanks
    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
    • 7,309 Posts
    • 38,559 Thanks
    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/£373.02
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