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  • FIRST POST
    • donkids22
    • By donkids22 11th Feb 17, 5:23 PM
    • 109Posts
    • 534Thanks
    donkids22
    Getting out of the rut that has become life!!!
    • #1
    • 11th Feb 17, 5:23 PM
    Getting out of the rut that has become life!!! 11th Feb 17 at 5:23 PM
    Well here goes. I feel like that i have been stuck in a rut for the last ten years we have been renting the same house for the last ten years and are no longer forward than we were then. Me and Oh have two girls 12 an 7. Will do a soa later, but OH is not on board with the moneysaving. Anyway i know im rambling long term goal is to have somewhere of our own im 40 this year and feel that the time is right now to climb out of the rut that i am in.
    Pay off Debt 2017 no54. 1433.95/ 9691.07. NSD jan 15/15. NSD feb 12/15. NSD mar 5/15
    Apr 2/15. Xmas 2 a day no63 302/730. No buying unnecessary toiletries 2017. 1 debt versus 100 days 0/200. April Grocery challenge 210/240
Page 3
    • donkids22
    • By donkids22 16th Apr 17, 2:54 PM
    • 109 Posts
    • 534 Thanks
    donkids22
    Managed another nsd today. Have eaten at the parents for the last three days so my freezer is still pretty full need to start emptying it ready for defrosting. Packed 4 boxes can't really do alot more as I have no where to put them. Spent some more time decluttering and I have made nearly £100 on fleabags also got three big bags ready to go to charity shop. Still got the kids rooms to sort so anticipating a lot more clutter to get rid of. Not sure how long it's going to take to complete on this house.
    Pay off Debt 2017 no54. 1433.95/ 9691.07. NSD jan 15/15. NSD feb 12/15. NSD mar 5/15
    Apr 2/15. Xmas 2 a day no63 302/730. No buying unnecessary toiletries 2017. 1 debt versus 100 days 0/200. April Grocery challenge 210/240
    • another casualty
    • By another casualty 16th Apr 17, 4:02 PM
    • 2,184 Posts
    • 3,286 Thanks
    another casualty
    Howdy! Nice thread

    I just wanted to ask about your pension. I see lots of zeros on your soa. The company you work for, and all companies now require you to have a pension . It doesn't have to be a huge amount obviously, but if you're employed in the same place for sometime then after a couple of months you wouldn't notice it out of your payslip. Even if it's £30 quid a month . Just a thought.

    If you are buying a place , make sure you get a survey and ideally not the bog standard homeowners one . You don't need the dearest one , but unless you are buying new build its best to be safe than sorry,
    so the middle priced one is the way to go .

    If you do proceed with house purchase , then maybe an idea to get a fixed rate for 5 years or so? We all know that, the rate will rise now and will keep doing so . I could be wrong, but someone else may say something more sensible.
    Best of luck,
    • donkids22
    • By donkids22 16th Apr 17, 7:50 PM
    • 109 Posts
    • 534 Thanks
    donkids22
    Hi another casualty we have paid for the second level of survey nit sure what it us called. We have also paid and had the rate fixed for 5 years. We would love to have an idea how long the process takes as we are first timers and it all seems daunting. I'm off work this week so more decluttering to be done, meal planning, cleaning and ironing.
    Pay off Debt 2017 no54. 1433.95/ 9691.07. NSD jan 15/15. NSD feb 12/15. NSD mar 5/15
    Apr 2/15. Xmas 2 a day no63 302/730. No buying unnecessary toiletries 2017. 1 debt versus 100 days 0/200. April Grocery challenge 210/240
    • another casualty
    • By another casualty 16th Apr 17, 8:04 PM
    • 2,184 Posts
    • 3,286 Thanks
    another casualty
    Hi another casualty we have paid for the second level of survey nit sure what it us called. We have also paid and had the rate fixed for 5 years. We would love to have an idea how long the process takes as we are first timers and it all seems daunting. I'm off work this week so more decluttering to be done, meal planning, cleaning and ironing.
    Originally posted by donkids22
    Seems like you've made the right choices

    Good luck with the week off
    • Chrystal
    • By Chrystal 16th Apr 17, 8:33 PM
    • 18 Posts
    • 100 Thanks
    Chrystal
    First of all Congratulations on your first home purchase! Hope you have a long and happy time in it. X

    I think the process from offer being accepted to exchanging contracts usually takes around three months, but your solicitor should be able to give you a better idea.
    • donkids22
    • By donkids22 17th Apr 17, 6:24 PM
    • 109 Posts
    • 534 Thanks
    donkids22
    Well I have another nsd today. Been to gym and ate our tea from freezer. Washed a load of washing unfortunately it's raining do not hung it out and I also packed another couple of boxes as well a busy day. Off all week so my plans are clean the windows at least inside upstairs as I can't get to do them outside. Wash the nets and eat all our teas from freezer and cupboards, meal plan and do food shopping and keep packing and sorting.
    Pay off Debt 2017 no54. 1433.95/ 9691.07. NSD jan 15/15. NSD feb 12/15. NSD mar 5/15
    Apr 2/15. Xmas 2 a day no63 302/730. No buying unnecessary toiletries 2017. 1 debt versus 100 days 0/200. April Grocery challenge 210/240
    • Honeysucklelou2
    • By Honeysucklelou2 17th Apr 17, 10:19 PM
    • 136 Posts
    • 276 Thanks
    Honeysucklelou2
    Just read through your diary. How wonderful that your offer has been accepted and the mortgage application going through. Hope all the conveyancing goes smoothly and that you'll be moved in soon.
    paydbx #90 £275/£10,000.
    365 day penny challenge £37.66/£667.95
    Loan £17k in 2012- £1094 in April 2017. Home improvement loans £3342 March 2017
    • donkids22
    • By donkids22 18th Apr 17, 8:28 PM
    • 109 Posts
    • 534 Thanks
    donkids22
    Received paperwork today from solictors that has got to signed and witnessed by someone. Haven't had an NSD today as I needed to get some new underwear ha ha. Haven't done any packing today but I did wrap 7 parcels and get them sent. Sold my old ipod today for £30 which is better than it sitting in a drawer not being used. Also jet washed the patio in the back garden and cleaned the inside patio doors. Aim to get the kids bedrooms sorted tomorrow wish me luck.
    Pay off Debt 2017 no54. 1433.95/ 9691.07. NSD jan 15/15. NSD feb 12/15. NSD mar 5/15
    Apr 2/15. Xmas 2 a day no63 302/730. No buying unnecessary toiletries 2017. 1 debt versus 100 days 0/200. April Grocery challenge 210/240
    • donkids22
    • By donkids22 19th Apr 17, 8:10 PM
    • 109 Posts
    • 534 Thanks
    donkids22
    Today was not an NSD as I realised too late we needed polish after doing a big shop yesterday. Cleaned all the windows inside and the downstairs outside as well, washed the nets and did another load of washing which was line dried. Ate our teas from freezer. Also packed another 4 boxes of kids stuff also tidied there bedrooms and I now have more ebay fodder and things for the charity shop. Tomorrow I want to pack some more boxes and hoover upstairs also tea from freezer/ fridge.
    Pay off Debt 2017 no54. 1433.95/ 9691.07. NSD jan 15/15. NSD feb 12/15. NSD mar 5/15
    Apr 2/15. Xmas 2 a day no63 302/730. No buying unnecessary toiletries 2017. 1 debt versus 100 days 0/200. April Grocery challenge 210/240
    • donkids22
    • By donkids22 21st Apr 17, 8:56 PM
    • 109 Posts
    • 534 Thanks
    donkids22
    Well another 35 made on eflea today. Still have some to finish tomorrow. More things leaving the house which is brilliant less things to move and cash I my pocket. Ate tea from the freezer and cupboard but today was a spendy day had mine and the two girls hair cut today for 20. also got rid of 4 large bags to the charity shop so feeling cleansed and tidier. Managed to talk oh in taking some bits to the dump tomorrow so more stuff out the way.
    Pay off Debt 2017 no54. 1433.95/ 9691.07. NSD jan 15/15. NSD feb 12/15. NSD mar 5/15
    Apr 2/15. Xmas 2 a day no63 302/730. No buying unnecessary toiletries 2017. 1 debt versus 100 days 0/200. April Grocery challenge 210/240
    • donkids22
    • By donkids22 23rd Apr 17, 5:00 PM
    • 109 Posts
    • 534 Thanks
    donkids22
    Today has been an NSD. We've ate from the cupboards and freezers for the last two days. Need to meal plan for the week as I go back to work tomorrow and I know hit will be tiring. Packed another couple of boxes getting more and more excited every day went to look at some wall paper as well I said to oh I will be having magnolia no where as I have had to live with it for ten years.
    Pay off Debt 2017 no54. 1433.95/ 9691.07. NSD jan 15/15. NSD feb 12/15. NSD mar 5/15
    Apr 2/15. Xmas 2 a day no63 302/730. No buying unnecessary toiletries 2017. 1 debt versus 100 days 0/200. April Grocery challenge 210/240
    • donkids22
    • By donkids22 24th Apr 17, 9:35 PM
    • 109 Posts
    • 534 Thanks
    donkids22
    Another nsd today. Back at work today so haven't got much time to do alot on the home front. Done a shopping list for tomorrow. Need to pack three parcels and get them posted out the way. Haven't heard anything on the house and oh is too scared to ask when they think we will complete as I do not want to pay any more rent than we have to. As we have noticed money will be tight once the deposit money is gone we will have no savings to fall back on plus our first mortgage payment could be 1400+ . He won't let me ask as he said we will just confuse them if we both start asking questions.
    Pay off Debt 2017 no54. 1433.95/ 9691.07. NSD jan 15/15. NSD feb 12/15. NSD mar 5/15
    Apr 2/15. Xmas 2 a day no63 302/730. No buying unnecessary toiletries 2017. 1 debt versus 100 days 0/200. April Grocery challenge 210/240
    • donkids22
    • By donkids22 25th Apr 17, 9:28 PM
    • 109 Posts
    • 534 Thanks
    donkids22
    Another nsd today. We havent heard anything from the solictors yet about the house they are not even keeping us informed as to what stage we are at. Hoping to be in by june but we need more info so we do not over pay the rent in the house we are in now as every penny will count if the first mortgage payment is over 1400. Posted some more parcels that had got sold.
    Pay off Debt 2017 no54. 1433.95/ 9691.07. NSD jan 15/15. NSD feb 12/15. NSD mar 5/15
    Apr 2/15. Xmas 2 a day no63 302/730. No buying unnecessary toiletries 2017. 1 debt versus 100 days 0/200. April Grocery challenge 210/240
    • donkids22
    • By donkids22 26th Apr 17, 6:33 PM
    • 109 Posts
    • 534 Thanks
    donkids22
    So annoyed dd2 after school club have given me a letter saying g I owe them 44.50 which I know is wrong as I make a note of when I pay online also I pay £5 a session so something doesn't add up. The women said when i complained the accounts arent up to date. If I owe it fare enough but couldn't have come at a worse time. Had loads of stuff from solictors contents listing and deeds to sign but still have no time frame of when we will complete getting frustrated with everything. Anyway another nsd today and another couple of things sold on ebay.
    Pay off Debt 2017 no54. 1433.95/ 9691.07. NSD jan 15/15. NSD feb 12/15. NSD mar 5/15
    Apr 2/15. Xmas 2 a day no63 302/730. No buying unnecessary toiletries 2017. 1 debt versus 100 days 0/200. April Grocery challenge 210/240
    • donkids22
    • By donkids22 29th Apr 17, 2:32 PM
    • 109 Posts
    • 534 Thanks
    donkids22
    The after school club thing has been sorted and I don't owe anything. That's a weight off my mind. Sold another 13 things on ebay I've sold now about 160 minus the fees which is fantastic for things that were just lying around the house. Contacted the solicitor no news on the move still waiting searches to come back and queries from the seller's solicitor to be answered. Just want to move fed up waiting.
    Pay off Debt 2017 no54. 1433.95/ 9691.07. NSD jan 15/15. NSD feb 12/15. NSD mar 5/15
    Apr 2/15. Xmas 2 a day no63 302/730. No buying unnecessary toiletries 2017. 1 debt versus 100 days 0/200. April Grocery challenge 210/240
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