Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • Elephantchunks
    • By Elephantchunks 23rd May 17, 4:48 PM
    • 108Posts
    • 584Thanks
    Elephantchunks
    Moving House, Renovations & OPs
    • #1
    • 23rd May 17, 4:48 PM
    Moving House, Renovations & OPs 23rd May 17 at 4:48 PM
    Hi! Welcome to my diary.
    I've been inspired after reading many others diaries so I am ready to join in the fun.
    We are buying a new house Yippee!
    We have a few things that we would like/need to pay before we move so hopefully this diary will help me to stop stressing and start doing.
    When we move there will be quite a bit of work to be done to modernise our new home. Then we'd like to start some side line money making schemes to OP the mortgage (on top of our Mon-Fri 9-5 employment).
    A bit about us:
    DH &I rented for a few years until we moved into Dh parents house for a year to save a deposit.
    We bought our current house nearly 5 years ago, got married, renewed the roof & boiler and many other bits since then.
    We've OPd a little and have paid off most of our debt so now have enough equity to move to somewhere more rural. Our offer was accepted on our dream (within budget) house. Therefore we worked our butts off painting and moving every bit of furniture around to make our home a house to show.
    We accepted an offer on our house after 4 weeks on the market. Our vendors are waiting to find a bungalow.

    As you may see, my diary will not all be financial as I will be including our adventure of the moving process.
    Any questions, comments, cheering along the way would be most appreciated.

    I know we could stay in this house and be more financially comfortable but that's not how to play the game.......
    Last edited by Elephantchunks; 23-05-2017 at 5:04 PM. Reason: TMI
Page 3
    • shangaijimmy
    • By shangaijimmy 30th Jun 17, 8:18 AM
    • 2,198 Posts
    • 10,038 Thanks
    shangaijimmy
    Don't take your purse out!!
    MFW: Turning June 2036 into March 2023... 30//120 Payments Challenge, Diary Reduction £32,077.72
    Aug 2009: £163,051 // Current: £103,922.28 // Avg Daily Interest £4.67
    MFiT-T4 #8 - 47.86% of £41,000
    • Elephantchunks
    • By Elephantchunks 2nd Jul 17, 11:27 AM
    • 108 Posts
    • 584 Thanks
    Elephantchunks
    Too right Shangajimmy. Purse is staying at home, no need for it at work.

    London was great, bit too big and busy for me but we had a good day.
    Due to traffic, we arrived 2.5 hours too late to do what we had planned, I will only go by train in future. The coach tickets were free though.
    Nan donated a Patisserie Valerie tea for two which she can't use herself, sandwiches, scones, clotted cream and jam, delish! I asked for a bag for the cakes because we were already full so we got to eat them on the coach on the way back.
    We visited the Natural History Museum for free (donated £3 its all we had in change), not bad, shame Dippy wasn't there.
    And the best bit - there was a music festival in Hyde Park, we didn't buy tickets but we found a great spot outside the fences that we could see half the screen (their faces) and hear the music perfectly. We heard one of our favourite bands (Gogol Bordello) live for free! Nada! £0!
    Total spend for a day trip to London - £3

    Right, today I will mostly be making this months budget, listing on ebsy and boxing up, best get cracking....
    August Monthly Challenge: Magic up £89.65/£164.
    August £100 Weekly Challenge: Week 2 £110/£100
    August £100 Weekly Challenge: Week 1 £99.91/£100

    Save before we move: End of July £2180/£3010
    Save before we move: End of June £1447/£2380
    Save before we move: End of May £975/£2380
    • Elephantchunks
    • By Elephantchunks 2nd Jul 17, 11:47 PM
    • 108 Posts
    • 584 Thanks
    Elephantchunks
    So, the monthly figures have been totted up, here we go...

    -£13.96. Food - £313.06/£300. £23.96 last week. Not far off target after all.
    +£15.14. Petrol - £109.86/£125.
    -£57.94. Cigs - £122.94/£65. Totally going to give this up!
    +£12.20. Fun me - £87.80/£100. Nothing this week.
    +£0.21. Fun DH - £99.79/£100. Nothing this week
    -£25.00. Driving lessons - £250/£225 Not a problem these are important.
    +£62.95. Extra saved - £62.95. - £15 ebsy £7.95 TCB this week

    Difference = -£6.40.

    OK! Not bad, we're almost evens. It does mean anything extra (after wage savings) that we saved was spent, but at least we had saved this extra. This diary is such a help, if I hadn't of wrote that I would list on ebsy I wouldn't have done it and the £40 in the change vase would still be sitting in there now. Thanks for the support I've had on here, I'm learning as I go along but it has really helped thinking I have someone else to not let down. My monthly budget has been an eye opener so I will continue doing these.

    So total saved in June is £472. Let's see if we can beat this in July.
    Last edited by Elephantchunks; 03-07-2017 at 12:12 AM.
    August Monthly Challenge: Magic up £89.65/£164.
    August £100 Weekly Challenge: Week 2 £110/£100
    August £100 Weekly Challenge: Week 1 £99.91/£100

    Save before we move: End of July £2180/£3010
    Save before we move: End of June £1447/£2380
    Save before we move: End of May £975/£2380
    • SuperSecretSquirrel
    • By SuperSecretSquirrel 3rd Jul 17, 8:22 AM
    • 569 Posts
    • 2,526 Thanks
    SuperSecretSquirrel
    That's some nice budgeting, £6.40 over for the month is damned close

    If you give up smoking, you'll smash it
    Mortgage [2013 £64k|2014 £51k|2015 £38k|2016 £26k] £17,182.66
    MN [2013-£25k|2014-£2k|2015+£16k|2016+£34k] +£45,783.87 (MFiT4:+60k)
    NW [2013 £126k|2014 £156k|2015 £190k|2016 £228k] £258,813.46 (2020:300k)
    FI [2013 -1.2%|2014 2.8%|2015 6.9%|2016 13%] 16.5%
    • Jessy103
    • By Jessy103 3rd Jul 17, 11:15 AM
    • 437 Posts
    • 1,857 Thanks
    Jessy103
    Well done with the budget! It always helps to see where the money is going! Good luck with the quitting smoking! Imagine how much better you'll feel and you'll be able to roll around in all the money you've saved! Lol! x
    Original Mortgage Amount 2007 - £87,310.50
    Mortgage Amount July 2017 - £62,900.00
    Overpayment Target for 2017 - £5,000 /£3,679.09
    Jan - £873.26 Feb - £185.38 March - £269.07 April - £193.66 May - £467.64 June - £407.79 July - £849.96 August - £255.11 September - £177.22
    • Elephantchunks
    • By Elephantchunks 4th Jul 17, 8:13 PM
    • 108 Posts
    • 584 Thanks
    Elephantchunks
    Thanks SSS and Jessy. For everyone that has to spend time with me and DH in RL its best that we don't give up smoking until we move. We're both looking forward to saving cig money in a separate treats pot for a while - we've got our eyes on some snazzy wellies haha!
    August Monthly Challenge: Magic up £89.65/£164.
    August £100 Weekly Challenge: Week 2 £110/£100
    August £100 Weekly Challenge: Week 1 £99.91/£100

    Save before we move: End of July £2180/£3010
    Save before we move: End of June £1447/£2380
    Save before we move: End of May £975/£2380
    • Elephantchunks
    • By Elephantchunks 4th Jul 17, 8:47 PM
    • 108 Posts
    • 584 Thanks
    Elephantchunks
    Warning - May Cause Yawning.
    The July budget has been prepared (finally).

    +£2433 - Wages
    -£1000 - Bills
    -£200 - Groceries
    -£100 - Petrol
    -£110 - Cigs
    -£90 - My fun
    -£90 - DH fun
    -£50 - Min on credit cards
    -£195- Driving lessons
    £598 - Save

    Total saved so far £2045
    Minus Survey Paid - £380
    = £1665 left saved.

    Saving goal before £2380
    Minus survey paid -£380
    Plus drainage survey needed £650
    Saving goal now = £2650

    Eek, ah well, we will try our best to get closer than we would be without trying.
    Last edited by Elephantchunks; 04-07-2017 at 9:02 PM.
    August Monthly Challenge: Magic up £89.65/£164.
    August £100 Weekly Challenge: Week 2 £110/£100
    August £100 Weekly Challenge: Week 1 £99.91/£100

    Save before we move: End of July £2180/£3010
    Save before we move: End of June £1447/£2380
    Save before we move: End of May £975/£2380
    • Elephantchunks
    • By Elephantchunks 5th Jul 17, 5:50 PM
    • 108 Posts
    • 584 Thanks
    Elephantchunks
    Spoke to our solicitor today. Huff! He said if the septic tank drainage didn't comply with environmental health we won't get a mortgage on the house until our sellers sort it. They're about 90 years old and don't look like they have money for this. It would be so sad for them if they are unable to move, they are only moving due to age and health issues. I don't want to tell DH but I'll have to when he's home because it'll be too obvious that I've got my grump on. Septic survey is next Tuesday, that'll be 7 weeks since we completed the chain. Fingers well and truly crossed that its ok!!
    August Monthly Challenge: Magic up £89.65/£164.
    August £100 Weekly Challenge: Week 2 £110/£100
    August £100 Weekly Challenge: Week 1 £99.91/£100

    Save before we move: End of July £2180/£3010
    Save before we move: End of June £1447/£2380
    Save before we move: End of May £975/£2380
    • Jessy103
    • By Jessy103 6th Jul 17, 2:17 PM
    • 437 Posts
    • 1,857 Thanks
    Jessy103
    Fingers and toes crossed that it's all ok for you!!
    Original Mortgage Amount 2007 - £87,310.50
    Mortgage Amount July 2017 - £62,900.00
    Overpayment Target for 2017 - £5,000 /£3,679.09
    Jan - £873.26 Feb - £185.38 March - £269.07 April - £193.66 May - £467.64 June - £407.79 July - £849.96 August - £255.11 September - £177.22
    • Elephantchunks
    • By Elephantchunks 7th Jul 17, 7:14 PM
    • 108 Posts
    • 584 Thanks
    Elephantchunks
    Screw being grumpy, it's no fun! Even more so I hated seeing DH grumpy & worrying what will happen with the drains and moving. We pulled ourselves together last night, had a big chat and decided that rather than preparing ourselves for a fall, we're going to enjoy the whole process and deal with any fall at the time IF it happens. We'll be just as sad if anything bad happens if we prepare for it or if we don't, so the dreaming of what it's going to be like continues We've bought a mini tractor from the seller and I'm so excited dreaming of riding around on it with pink warpaint on and my 'Happy Halo Helmet' (GI helmet covered in pink fluff)
    August Monthly Challenge: Magic up £89.65/£164.
    August £100 Weekly Challenge: Week 2 £110/£100
    August £100 Weekly Challenge: Week 1 £99.91/£100

    Save before we move: End of July £2180/£3010
    Save before we move: End of June £1447/£2380
    Save before we move: End of May £975/£2380
    • Elephantchunks
    • By Elephantchunks 7th Jul 17, 7:38 PM
    • 108 Posts
    • 584 Thanks
    Elephantchunks
    This weeks spends:
    £142.60/£200 - Groceries - full months shop
    £0/£100 - Petrol
    £80/£110 - Cigs - bought in bulk
    £40.45/£90 - My fun - Xmas saver, SIL b'day gift, wine, takeaway, London trip.
    £23.89/£90 - DH fun - wine, take-away, booze, London trip.
    £62/£195- Driving lessons - test booked
    £0 Extra saved

    I've been really good at defrosting frozen meat the night before and cooking every day, DH washes up and makes the sandwiches for lunch. Long may this continue.

    Fun packed weekend coming up...
    Besties birthday bbq - buy cheap booze and expensive (looking) present.
    Soap box derby - take packed lunch.
    Car show for DH.
    List bag of stuffs on ebsy.
    Tip a huge lot of garden waste.
    Box up lounge books and ornaments.

    And now for a cheap night of cups of tea and Exploding Kittens with DH and bestie.
    August Monthly Challenge: Magic up £89.65/£164.
    August £100 Weekly Challenge: Week 2 £110/£100
    August £100 Weekly Challenge: Week 1 £99.91/£100

    Save before we move: End of July £2180/£3010
    Save before we move: End of June £1447/£2380
    Save before we move: End of May £975/£2380
    • EatingTheElephant
    • By EatingTheElephant 8th Jul 17, 7:42 AM
    • 1,099 Posts
    • 5,934 Thanks
    EatingTheElephant
    That's impressive coming so close with your overall budget for last month and fingers crossed for the tank survey.

    Have a great weekend, it sounds like it will be very enjoyable.
    • CathT
    • By CathT 8th Jul 17, 8:07 AM
    • 5,283 Posts
    • 36,314 Thanks
    CathT
    Hope survey goes okay and everything progresses for you.
    August 2017 -
    part 1 - £79,967
    part 2 - £46,351
    Total - £126,318
    • Elephantchunks
    • By Elephantchunks 9th Jul 17, 11:00 PM
    • 108 Posts
    • 584 Thanks
    Elephantchunks
    Thanks EatingTheElephant. Fingers? Maybe that should be our trunks and floppy ears crossed
    Thanks CathT. I'm slowly reading/scanning your diary, tis very long but a good read. It's great to see you here!

    Drink tea and play cards with bestie
    Besties birthday bbq - buy cheap booze and expensive (looking) present. had a lovely time on my own shopping and I hate shopping! Bestie got a reduced to £6 Yan..Candle and handmade earrings off a craft stall, these were 2for1 £5 so I kept a pair. Also got a cute handmade pebble card for £2. I also may have bought a pair of £10 shoes, but in all fairness, lady gotta have a pair of black flats. Booze was £5, DH had to drive so no booze for him. Had a lovely time at the BBQ catching up with people I hadn't seen since school.
    Soap box derby - take packed lunch. £10 entrance & £2 WI cake for both. Thoroughly enjoyable day watching soap boxes run down the hill, tractor racing and kart thingies and Landrovers flying up the hill. All with the backdrop of the most glorious views of the countryside. A very British day out.
    Car show for DH. he had an amazing time just him & his Dad.
    List bag of stuffs on ebsy. Not all listed, it takes me sooo long.
    Tip a huge lot of garden waste. - nope, DHs back is blown for standing up for two days.
    Box up lounge books and ornaments. - err.. no ebsying took far more of my time than expected.

    Superb weekend, hope you all had a great weekend too!
    August Monthly Challenge: Magic up £89.65/£164.
    August £100 Weekly Challenge: Week 2 £110/£100
    August £100 Weekly Challenge: Week 1 £99.91/£100

    Save before we move: End of July £2180/£3010
    Save before we move: End of June £1447/£2380
    Save before we move: End of May £975/£2380
    • Elephantchunks
    • By Elephantchunks 11th Jul 17, 10:44 PM
    • 108 Posts
    • 584 Thanks
    Elephantchunks
    Forget to mention, last week I received my 1 year anniversary badge.

    At the beginning of 2016 we were in £7882 debt (new roof, boiler, 2nd hand car, wedding in the last 4years). This time last year we were at £6000. Today we have £1800 left to pay and a bit of savings towards it. In this time we also paid £2000 OPs on the mortgage from the lodger's rent. Kinda wish we paid that rent off the credit cards now but it all works out the same when we move. I'm just getting my thoughts written down to remind me how much we have achieved since the LBM. Not really sure if it was a LBM because I hated having debts but I guess it was necessary to get this house liveable and we received £22000 higher offer than what we paid for it 4 1/2 years ago. We are getting there. I must think of it as an investment but I never want the stress of debt ever again! Wish I started a diary earlier but here we are.

    £10 received (after fees) from ebsy last Sunday. I have one item out of six getting some decent bids so I'm looking forward to that this Sunday.

    Septic tank drainage survey happened today - awaiting results.........
    August Monthly Challenge: Magic up £89.65/£164.
    August £100 Weekly Challenge: Week 2 £110/£100
    August £100 Weekly Challenge: Week 1 £99.91/£100

    Save before we move: End of July £2180/£3010
    Save before we move: End of June £1447/£2380
    Save before we move: End of May £975/£2380
    • Viking_mfw
    • By Viking_mfw 12th Jul 17, 6:18 AM
    • 60 Posts
    • 260 Thanks
    Viking_mfw
    Congratulations on the anniversary
    • Kittenkirst
    • By Kittenkirst 12th Jul 17, 11:06 AM
    • 1,570 Posts
    • 8,059 Thanks
    Kittenkirst
    Happy 1 year MSE-vary!

    It's always lovely to look back and feel how much you've achieved. Shows that the changes you are making and your efforts are paying off- good job!
    2017 MFW #20 - OP £1884.86/ £2150. 87.6%
    Last 3 months- Jul £172.36 Aug: £212.52 Sep £132.24

    Emergency fund £3725]/£6k
    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    2016 OPs £255.50/£150
    • Jessy103
    • By Jessy103 13th Jul 17, 10:19 AM
    • 437 Posts
    • 1,857 Thanks
    Jessy103
    Happy 1 year anniversary!!! Congratulations on doing so well!!
    Original Mortgage Amount 2007 - £87,310.50
    Mortgage Amount July 2017 - £62,900.00
    Overpayment Target for 2017 - £5,000 /£3,679.09
    Jan - £873.26 Feb - £185.38 March - £269.07 April - £193.66 May - £467.64 June - £407.79 July - £849.96 August - £255.11 September - £177.22
    • Elephantchunks
    • By Elephantchunks 13th Jul 17, 8:27 PM
    • 108 Posts
    • 584 Thanks
    Elephantchunks
    Hi Viking, welcome!

    Still waiting.
    Taking my mind off things by doing SB surveys. 1042 SB in four days. 800 is £5 at the moment. I think that's quite good. It has taken hours though. They are enjoyable to do at the moment which I'm sure will wear off very soon.
    August Monthly Challenge: Magic up £89.65/£164.
    August £100 Weekly Challenge: Week 2 £110/£100
    August £100 Weekly Challenge: Week 1 £99.91/£100

    Save before we move: End of July £2180/£3010
    Save before we move: End of June £1447/£2380
    Save before we move: End of May £975/£2380
    • CathT
    • By CathT 14th Jul 17, 12:41 PM
    • 5,283 Posts
    • 36,314 Thanks
    CathT
    Hi EC, my diary is rather long now, I've been around a while. Feel free to skim as I go round in circles with decision making!

    When do you expect the survey results to back?
    August 2017 -
    part 1 - £79,967
    part 2 - £46,351
    Total - £126,318
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

3,916Posts Today

8,643Users online

Martin's Twitter
  • Shana tova umetuka - a sweet Jewish New Year to all celebrating. I won't be online the rest of t'week, as I take the time to be with family

  • Dear Steve. Please note doing a poll to ask people's opinion does not in itself imply an opinion! https://t.co/UGvWlMURxy

  • Luciana is on the advisory board of @mmhpi (we have MPs from most parties) https://t.co/n99NAxGAAQ

  • Follow Martin