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  • FIRST POST
    • Elephantchunks
    • By Elephantchunks 23rd May 17, 4:48 PM
    • 108Posts
    • 574Thanks
    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 4
    • Elephantchunks
    • By Elephantchunks 14th Jul 17, 8:13 PM
    • 108 Posts
    • 574 Thanks
    Elephantchunks
    I'm still skimming it Cath, along with 4 others plus subscribed threads.

    Yesterday! They said they would e-mail it to us within a few days plus post it to us which could take a week to be with us. Hoping for Monday now. I haven't seen one other house better than this one for the money, I so hope it can be this one and that we can move in the summer.
    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 15th Jul 17, 4:07 PM
    • 108 Posts
    • 574 Thanks
    Elephantchunks
    This weeks spends:
    £167.28/£200 - Groceries - £24.58 mostly on rabbit food bread and milk.
    £42.84/£100 - Petrol
    £80/£110 - Cigs - bought in bulk.
    £79.45/£90 - My fun - £39 Besties gift, soapbox derby, shoes, earrings, booze + takeaway.
    £71.89/£90 - DH fun - £48 Car show, soapbox derby, car sticker, booze + takeaway.
    £87/£195- Driving lessons
    £10 Extra saved - ebsy £9 dress & £1 for 3x old shirts.

    Last weekend cost us most of our fun money but boy was it fun! Must reign it in now. £39 wasn't bad for me though considering I could have spent that on shoes instead of £9.99. I saw the same ones in a high street store for £15 but I know their supplier so I went there instead.
    £30 left for top up shops for two weeks which is doable I believe.

    Finishing off last weeks to do list today, been to tip with a full minivan. Boxing up the lounge will commence shortly.

    Happy weekend y'all!
    Last edited by Elephantchunks; 15-07-2017 at 4:13 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 17th Jul 17, 11:18 PM
    • 108 Posts
    • 574 Thanks
    Elephantchunks
    Waiting, money saving, waiting, money making, waiting....

    1 item out of 6 sold on ebsy last night. I will re-list these at B.I.N. instead of auction. Got £29 after fees for the sold item and the buyer is collecting tomorrow so I've not got to waste my lunch time getting to the post office, bonus.

    Yesterday I listed another item and boxed up half the living room. DH took the sofas apart (ikea) so here's hoping everything works out and we don't have to unbox it all. To be honest, I think if our purchase did fall through we would probably rent somewhere because we don't want to go through the whole selling process again. This would cost £4000 to get out of our mortgage early though so it would need some careful consideration. we'd be mad to do this.
    DH phoned surveyors today and they have promised that we will receive the survey tomorrow. Eek! The suspense has been unbearable, let's hope the survey is not!
    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 18th Jul 17, 8:36 PM
    • 108 Posts
    • 574 Thanks
    Elephantchunks
    No survey today, they have now promised that we will get it by 10am tomorrow. Huff!

    Positives -
    1. Ebsy buyer has collected his item, bought the correct change and even remembered the penny.
    2. Managed to use a drill bit to fish out £15 from my terramundi money pot. We also fished out a dollar and some rather hilarious predictions made by our friends from our wedding.
    3. 1422 SB points.
    4. MIL has lent me 5x reading books. I'll aim to read 2x this month.
    5. Didn't want to cook today. We both wanted takeaway but we ate coronation chicken sandwiches instead.
    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 19th Jul 17, 2:39 PM
    • 5,254 Posts
    • 36,006 Thanks
    CathT
    I'm trying to read more aswell, I'd never get through 2 books in a month - enjoy! Well done for resisting take-away.
    August 2017 -
    part 1 - £81,002
    part 2 - £46,583
    Total - £127,585
    • Elephantchunks
    • By Elephantchunks 20th Jul 17, 6:02 PM
    • 108 Posts
    • 574 Thanks
    Elephantchunks
    The results are in!
    Survey received yesterday aaaand....
    The septic tank is in fact not dumping liquid waste onto the railway embankment and uses a drainage field in the correct and proper way! Hooray! It's all on paper. As far as we and the solicitor are aware that is the truth so we don't quite know why our seller told the house surveyor any different. We will be allowed the title deeds and therefore allowed the mortgage. The quote for some pipework came to nearly £2000 not the £9000 expected. RELIEVED!
    We found this out yesterday and I was so excited I had to go to bed with a headache at 9pm, I think I've had less than 10 headaches in my entire lifetime, must have been the stress coming out I guess????
    Aaaaaaaand relax, and keep on dreaming. WooP de WoOp Yeah
    Our solicitor has today contacted the other solicitors to prepare an exchange / completion timeline Gerrin!!
    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 20th Jul 17, 6:05 PM
    • 108 Posts
    • 574 Thanks
    Elephantchunks
    That was the plan Cath but maybe one now that we have so much boxing and work to do . I don't have many commitments, no kids, no tv so reading and crafting is what I do with most of my time.
    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 20th Jul 17, 6:16 PM
    • 56 Posts
    • 221 Thanks
    Viking_mfw
    Excellent news congratulations on your appropriately working septic tank! A phrase you don't often hear
    • EatingTheElephant
    • By EatingTheElephant 20th Jul 17, 6:30 PM
    • 1,072 Posts
    • 5,739 Thanks
    EatingTheElephant
    Excellent news EC
    Fingers crossed the rest of the process goes a bit more smoothly!
    • CathT
    • By CathT 21st Jul 17, 9:58 AM
    • 5,254 Posts
    • 36,006 Thanks
    CathT
    That's great news! What a relief for you. I always mean to switch the tv of in favour of a book but it doesn't happen often enough.

    Hope you get your completion date, how exciting!
    August 2017 -
    part 1 - £81,002
    part 2 - £46,583
    Total - £127,585
    • Jessy103
    • By Jessy103 21st Jul 17, 10:46 AM
    • 406 Posts
    • 1,696 Thanks
    Jessy103
    Woohoo! Fingers crossed the rest goes smoothly and you're in before you know it! x
    Original Mortgage Amount 2007 - £87,310.50
    Mortgage Amount July 2017 - £62,900.00
    Overpayment Target for 2017 - £5,000 /£3,501.87
    Jan - £873.26 Feb - £185.38 March - £269.07 April - £193.66 May - £467.64 June - £407.79 July - £849.96 August - £255.11
    • greent
    • By greent 21st Jul 17, 4:11 PM
    • 6,064 Posts
    • 61,271 Thanks
    greent
    Glad the survey proved all was 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) £4070/£3286
    Net sales 2017 £763.00/£500 PAYDOX17 £10787/£10k Decluttered 1284/2017 items
    • Elephantchunks
    • By Elephantchunks 21st Jul 17, 8:28 PM
    • 108 Posts
    • 574 Thanks
    Elephantchunks
    Thank you all so much for your yays! This forum really is fantastic. I thoroughly enjoy joining people in their journeys. It's such a huge motivator to see people commenting or/& thanking. Sometimes RL humans don't understand my money ways. There was shock and confusion today in the office when I told them I just bought my first DVD ever. What never? Yah. We haven't received it yet but its a DVD of the insides of the septic tank and pipes I won't even watch the only DVD I ever bought.
    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
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 21st Jul 17, 8:45 PM
    • 129 Posts
    • 600 Thanks
    wishingthemortgaheaway
    That sounds like an oscar winner Elephant.
    Goals:
    Mortgage: overpay £75 per month
    Surveys: £20 a month in cash or vouchers
    Temperature blanket: get up to date stay up to date
    Keep a cash spending diary
    • Elephantchunks
    • By Elephantchunks 21st Jul 17, 8:50 PM
    • 108 Posts
    • 574 Thanks
    Elephantchunks
    EXCITED!!!!!! Staying in tonight, boxing up, tidying and doing budgets on a Friday night, who am I? Ha!

    This weeks spends:
    £188.83/£200 - Groceries - £21.55
    £57.86/£100 - Petrol
    £93.62/£110 - Cigs
    £94.55/£90 - My fun - £15.10 booze and takeaway
    £97.89/£90 - DH fun - £26 booze and takeaway
    £112/£195- Driving lessons
    £54 Extra saved - ebsy £29 teramundi £15

    Ok so we've over spent on fun by eating takeaway but when we move to the countryside this won't be possible so we're enjoying it while we can. Plus, driving lessons will be less so that's where this can offset. (Excuses, excuses).

    Happy weekend x
    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 22nd Jul 17, 4:30 PM
    • 406 Posts
    • 1,696 Thanks
    Jessy103
    Takeaways are so hard not to have because they taste so damn good!! Why can't a salad taste as nice as a pizza?! Lol! x
    Original Mortgage Amount 2007 - £87,310.50
    Mortgage Amount July 2017 - £62,900.00
    Overpayment Target for 2017 - £5,000 /£3,501.87
    Jan - £873.26 Feb - £185.38 March - £269.07 April - £193.66 May - £467.64 June - £407.79 July - £849.96 August - £255.11
    • Elephantchunks
    • By Elephantchunks 23rd Jul 17, 2:41 PM
    • 108 Posts
    • 574 Thanks
    Elephantchunks
    It's curry and chinese food for me Jessy. I must learn to make these well. DH loves pizza but takeaway pizza is so expensive for what is (I agree, it does taste damn good though). I make cheat pizza made on garlic bread with loads of fried veg, it's super quick so we don't often buy takeaway pizza.

    Lots of full boxes all around me today.
    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 25th Jul 17, 8:34 PM
    • 108 Posts
    • 574 Thanks
    Elephantchunks
    Hi, I've not posted here for a few days. I've mostly been looking at pretty house decor pictures on the web and crunching the numbers for the new house budget.

    We are seriously considering getting a 10yr fix when we can ditch our fix. I worked out that mortgage rates would only have to go up by 1.7% by the end of year 5 for us to lose money by choosing the 5 year (+overpaying as if it was the 10yr) instead of 10yr. The 5yr is £100 more than we're paying now and the 10yr would be £200 more. But, if we did choose the 5yr we would have £9000 extra in equity and have saved £9000 in interest. Those figures are very tempting for me. Hope my figures were accurate, I believe they were. Decisions decisions but where there is a will there is a way. (Going to post this elsewhere in a mo to see if anyone can check my calculations).

    Chatting to Jessy on her thread has reminded me how much I miss my craft room since packing it away to show as a bedroom. My new craft room will be in the back of the sitting room so I can still be with DH when I want to play. And I'll have a workshop to start playing with wood. These were on our lengthy wants list when we were looking for a house so I can't wait to get stuck in making some extra ££ from crafting to OP the hefty mortgage. That's the plan anyway.
    Last edited by Elephantchunks; 25-07-2017 at 9:10 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 25th Jul 17, 9:57 PM
    • 108 Posts
    • 574 Thanks
    Elephantchunks
    More number crunching - above is wrong if you include the overpayment. Confuzzled!
    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
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 25th Jul 17, 11:28 PM
    • 129 Posts
    • 600 Thanks
    wishingthemortgaheaway
    I know the rates are higher the longer you fix for, but an extra £100 a month for fixing for extra blocks of 5 years seems a lot, when the whole of those £100 is interest.
    Goals:
    Mortgage: overpay £75 per month
    Surveys: £20 a month in cash or vouchers
    Temperature blanket: get up to date stay up to date
    Keep a cash spending diary
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