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  • FIRST POST
    • Fortune Smiles
    • By Fortune Smiles 18th Feb 17, 10:21 AM
    • 2,547Posts
    • 20,940Thanks
    Fortune Smiles
    The New Adventures of Fortune
    • #1
    • 18th Feb 17, 10:21 AM
    The New Adventures of Fortune 18th Feb 17 at 10:21 AM
    It is possible to move a mountain by carrying small stones


    A new chapter.

    We have spent a very happy 11 years in the Garden of England but are now looking to make a move. The winds are favourable and time is still on our side. I know it’s the right decision and I’m excited… and terrified.

    It’s a fabulous opportunity to plan the next stage of our lives and realise our dreams. But I’m finding the size of the task daunting and know I am dragging my feet.

    My diary has been invaluable in helping me to reach my goals in the past so I’m going to focus these new pages on making good decisions and progressing the move. It would be lovely to have some company on the journey and any advice, support or general cheerleading would be very much appreciated.

    If I’m to move a mountain I’d better get on with carrying stones.



    Fortune x

    PS If you’d like to see my previous adventures you can find them here http://forums.moneysavingexpert.com/showthread.php?t=4068401
    Last edited by Fortune Smiles; 18-02-2017 at 10:45 AM.
    Mortgage: 1.2% paid House Deposit Contribution: 80%

    All we have to decide is what to do with the time that is given to us - J R R Tolkein
Page 11
    • doingitanyway
    • By doingitanyway 20th Apr 17, 8:05 PM
    • 1,983 Posts
    • 9,042 Thanks
    doingitanyway
    I love that sort of synchronicity. Shows you are on the right path
    JANUARY 2016/SECURED DEBT=24,822/September 2017=5,250
    MORTGAGE FREE 25/07/16
    • beanielou
    • By beanielou 20th Apr 17, 8:36 PM
    • 47,721 Posts
    • 173,156 Thanks
    beanielou
    It's all happening
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • Fortune Smiles
    • By Fortune Smiles 23rd Apr 17, 4:35 PM
    • 2,547 Posts
    • 20,940 Thanks
    Fortune Smiles
    Lazy Bones
    I've had a bit of a lazy weekend 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

    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 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
    • the renewal for my car insurance has arrived and it looks to be about £50 cheaper than last year 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: 1.2% paid House Deposit Contribution: 80%

    All we have to decide is what to do with the time that is given to us - J R R Tolkein
    • beanielou
    • By beanielou 23rd Apr 17, 4:52 PM
    • 47,721 Posts
    • 173,156 Thanks
    beanielou
    All sounding good
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • doingitanyway
    • By doingitanyway 23rd Apr 17, 5:02 PM
    • 1,983 Posts
    • 9,042 Thanks
    doingitanyway
    Everything seems to be moving in the right direction
    Fortune x
    Originally posted by Fortune Smiles
    Indeed it does
    JANUARY 2016/SECURED DEBT=24,822/September 2017=5,250
    MORTGAGE FREE 25/07/16
    • Fortune Smiles
    • By Fortune Smiles 24th Apr 17, 3:00 PM
    • 2,547 Posts
    • 20,940 Thanks
    Fortune Smiles
    Expect the Unexpected
    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

    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

    Whilst mid-rhubarbing a shelf in one of the kitchen cabinets collapsed Broken crockery everywhere 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 Discovered that Dy$0n have a promotion on at the moment and are offering £150 off 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 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: 1.2% paid House Deposit Contribution: 80%

    All we have to decide is what to do with the time that is given to us - J R R Tolkein
    • Moneyfordreams
    • By Moneyfordreams 24th Apr 17, 3:48 PM
    • 896 Posts
    • 4,343 Thanks
    Moneyfordreams
    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 Feb '13 £200000, end 2038. Aiming for before March 2025 (crunched to 2034)
    January 16 £182800 : minimum £360 OP but needs to be £600 to achieve 2025
    Current mortgage £159800
    h@lifax CC £4500 0% until May 2018.. will pay minimum for now, slow stooze
    xmas, chairs, hoover, computer and holiday [STRIKE}clothes[STRIKE] DD1 cc
    • Fortune Smiles
    • By Fortune Smiles 24th Apr 17, 4:45 PM
    • 2,547 Posts
    • 20,940 Thanks
    Fortune Smiles
    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.
    Originally posted by Moneyfordreams
    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: 1.2% paid House Deposit Contribution: 80%

    All we have to decide is what to do with the time that is given to us - J R R Tolkein
    • Fortune Smiles
    • By Fortune Smiles 25th Apr 17, 11:02 AM
    • 2,547 Posts
    • 20,940 Thanks
    Fortune Smiles
    Mortgage Free Wannabe... again!
    We met with the IFA last night and completed all the paperwork for the new mortgage 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

    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

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

    Fortune x
    Mortgage: 1.2% paid House Deposit Contribution: 80%

    All we have to decide is what to do with the time that is given to us - J R R Tolkein
    • doingitanyway
    • By doingitanyway 25th Apr 17, 5:47 PM
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    doingitanyway
    Not many more sleeps now Fortune
    JANUARY 2016/SECURED DEBT=24,822/September 2017=5,250
    MORTGAGE FREE 25/07/16
    • Fortune Smiles
    • By Fortune Smiles 26th Apr 17, 10:20 AM
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    • 20,940 Thanks
    Fortune Smiles
    Careful what you wish for
    Our solicitors are not dragging their feet The draft contract was sent to our buyers yesterday 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 Got wine and cake for my trouble

    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: 1.2% paid House Deposit Contribution: 80%

    All we have to decide is what to do with the time that is given to us - J R R Tolkein
    • Fortune Smiles
    • By Fortune Smiles 26th Apr 17, 12:42 PM
    • 2,547 Posts
    • 20,940 Thanks
    Fortune Smiles
    Squeeeeeee!
    Just checked the on-line progress checker and our solicitors have received our vendor's draft contract and all searches have been requested. Searches are estimated to take 21 days

    It's all happening so much more quickly than I thought it would. Exciting... and terrifying

    More FB selling required and quickly.

    Fortune x
    Mortgage: 1.2% paid House Deposit Contribution: 80%

    All we have to decide is what to do with the time that is given to us - J R R Tolkein
    • Fortune Smiles
    • By Fortune Smiles 27th Apr 17, 12:42 PM
    • 2,547 Posts
    • 20,940 Thanks
    Fortune Smiles
    More news
    I read back through some of my first diary this morning - I seem to have been so much more productive in the past. It has inspired me to get on with things.

    The new Dy$0n arrived yesterday I've charged it and tried it out and it seems so much more powerful than my current one - even though it is so much smaller. I will be giving it a thorough test later as more cleaning is needed today to be ready for the weekend guests. It is a portable and only runs for 20 minutes after charging, however, we have hard floors throughout in the new house so I think that will be adequate. It's very light and no problem to carry around.

    The Estate Agents rang this morning. The surveyors are coming tomorrow to carry out a valuation survey for our buyers' lender. They also told us that the young couple who viewed the house, loved it but couldn't quite afford us, have asked for first refusal if the sale doesn't go through for any reason. They think they made a mistake not stretching to put in an offer. Lovely for us to know we have a back up plan if our buyers pull out for any reason. But I feel so sad for them

    I have put a couple of sale items on FB. Lovely things but won't suit the new place so best to recoup some money from them.

    The grocery shop has arrived and is a little under the estimate. Some substitutions mean I've got a bit more for my money too I am going to miss Waitr0£e - they don't deliver to the new place

    Time to get the vacuum going

    Fortune x
    Mortgage: 1.2% paid House Deposit Contribution: 80%

    All we have to decide is what to do with the time that is given to us - J R R Tolkein
    • themadvix
    • By themadvix 28th Apr 17, 8:11 AM
    • 1,058 Posts
    • 5,934 Thanks
    themadvix
    0cado deliver to Shropshire, Fortune. Hope that helps!
    OPs 2017 = £2603/£10000
    S&S ISA = £300/£600
    OPs made 2016 = £6142.12
    Starting balance 2012: £132000; balance June 2017: £99,974
    MFW2017 no. 38
    • Fortune Smiles
    • By Fortune Smiles 28th Apr 17, 11:29 AM
    • 2,547 Posts
    • 20,940 Thanks
    Fortune Smiles
    0cado deliver to Shropshire, Fortune. Hope that helps!
    Originally posted by themadvix

    Ooooh! I'd forgotten about Ocado. Thank you MV
    Mortgage: 1.2% paid House Deposit Contribution: 80%

    All we have to decide is what to do with the time that is given to us - J R R Tolkein
    • Fortune Smiles
    • By Fortune Smiles 28th Apr 17, 5:16 PM
    • 2,547 Posts
    • 20,940 Thanks
    Fortune Smiles
    Nervous
    The surveyor arrived this morning and has left me feeling a little nervous. Firstly, he didn't know why he was visiting - thought we were remortgaging. Then said he was in a rush because he had a busy day ahead. Didn't know the name of our buyers or their lender so didn't know what was required from the visit - I had to tell him. He asked me what the cost of our building work was and then said he could add it as an asset for £10k less than what we'd paid as he thought it could have been done for that. It couldn't, it is bespoke work. He also asked what next door had sold for (isn't that part of his research?) and I had to tell him that next door was configured completely differently from our house and point out why ours was worth more. I'm a little nervous that he'll down value the house.

    I've revisited R1ghtm0v£ and we are priced very reasonably for the area. Plus we effectively sold the house twice in four days. The house value sites are all showing that the value has gone up significantly just in the last month. Really hope he's not going to leave us with a problem.

    I'm probably worrying about nothing. Just hadn't registered that the valuation was another potential hurdle to get over

    The house is ready to receive so I'm having a sit down before supper is required. Surveyor has left me with a headache

    Nothing a glass of wine won't cure I'm sure.

    Happy start of the weekend folks

    Fortune x
    Mortgage: 1.2% paid House Deposit Contribution: 80%

    All we have to decide is what to do with the time that is given to us - J R R Tolkein
    • greent
    • By greent 29th Apr 17, 8:24 AM
    • 6,298 Posts
    • 63,798 Thanks
    greent
    What poor service he is providing to the buyers/ their mortgage co!

    Hoping it all comes out ok x
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) Bal 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    Next: BTL Mtge 12/16 £69786. 2017 OPs (#18) £4607/£3286
    Net sales 2017 £1202.80/£500 PAYDOX17 £11635/£10k Decluttered 1650/2017 items
    • beanielou
    • By beanielou 29th Apr 17, 8:17 PM
    • 47,721 Posts
    • 173,156 Thanks
    beanielou
    What poor service he is providing to the buyers/ their mortgage co!

    Hoping it all comes out ok x
    Originally posted by greent
    From me too.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • Fortune Smiles
    • By Fortune Smiles 3rd May 17, 8:11 AM
    • 2,547 Posts
    • 20,940 Thanks
    Fortune Smiles
    Nothing to report
    We had a lovely Bank Holiday weekend with the DS's. Spent a little more than we'd planned but I didn't use all the grocery shop so have been able to carry some of the menu plan forward and save on this week's shopping.

    Friend came to pick up FB sale so I have £100 in my purse

    The break has meant there's no further news on the house move but our buyer's should hear on their valuation survey this week. I spoke to the Estate Agents on Saturday to let them know I was feeling rattled so at least they have something on file if we need to challenge the results.

    Cleaning, ironing and baking are on the list today. There are a fair few bananas sulking in the fruit bowl which I need to find a home for.

    Happy hump day!

    Fortune x
    Mortgage: 1.2% paid House Deposit Contribution: 80%

    All we have to decide is what to do with the time that is given to us - J R R Tolkein
    • doingitanyway
    • By doingitanyway 5th May 17, 2:56 PM
    • 1,983 Posts
    • 9,042 Thanks
    doingitanyway
    Well done on FB sales. Decluttering ready for the new house and cash in hand
    JANUARY 2016/SECURED DEBT=24,822/September 2017=5,250
    MORTGAGE FREE 25/07/16
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