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    • Elephantchunks
    • By Elephantchunks 23rd May 17, 4:48 PM
    • 110Posts
    • 593Thanks
    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 6
    • shangaijimmy
    • By shangaijimmy 10th Aug 17, 7:32 PM
    • 2,276 Posts
    • 10,571 Thanks
    Keep venting in your diary, it'll help! Not much to say about house situation other than keeping fingers crossed for you all!
    MFW: Turning June 2036 into March 2023... 33//120 Payments Challenge, Diary Reduction £35,448.08
    Aug 2009: £163,051 // Current: £100,551.94 // Avg Daily Interest £4.52
    MFiT-T4 #8 - 56.74% of £41,000
    • Elephantchunks
    • By Elephantchunks 12th Aug 17, 11:56 AM
    • 110 Posts
    • 593 Thanks
    You're right SJ, it really does help to vent here.

    I've been soooo grumpy this week but I'm feeling more positive now. I'm still kicking myself about my driving test. I've booked another which is 2 months away as that was the next available slot. The test changes in December so I have to pass next time. I'm going to carry on with the lessons and ask my instructor to fill in a test sheet every time.

    Positive No.1 (I think) -
    Spoke to our agents yesterday, our buyers had been in to see our agents financial advisor. She said its positive and they do have options. She couldn't tell us what the options were but said not to worry. Still feeling in limboland.

    Positive No.2
    Also, we swallowed our pride and asked the in laws if they could or would mind lending us £500. They said no. Instead they have given us £1000 which they were planning on giving us when we move. HUGE RELIEF!! I can't tell you how thankful we are! We've put it in a spare bank account and we are treating it as house money. Anything we borrow from this (for driving test and MOT) will be paid back next month.

    Positive No.3
    DH has been promised a £4000 pay rise in January. This will make a massive (to us) £220 a month difference.

    We are still doing the weekly/monthly challenges but this week I haven't been keeping an eye on where its gone as we have been using cash. I do know that we have spent £110 though. Nothing sold on ebsy last week but I did have to send a refund for an item broken in transit, my fault, I should have packed it better, lesson learnt.
    Last edited by Elephantchunks; 12-08-2017 at 11:58 AM.
    Live a lot. Love a few. Always paddle your own canoe.
    • greent
    • By greent 13th Aug 17, 10:02 AM
    • 6,506 Posts
    • 65,664 Thanks
    Great news re the money from the in-laws

    Fingers crossed move-related issues all resolve themselves 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) £5278/£3286
    Net sales 2017 £1259.72/£500 PAYDOX17 £12239/£10k Decluttered 1870/2017 items
    • Elephantchunks
    • By Elephantchunks 6th Oct 17, 7:21 PM
    • 110 Posts
    • 593 Thanks
    Hellooo diary!!!! I've missed posting here so much. To cut a very long story short - our buyers managed to cancel our internet. We have been in limboland, packed and ready to go with no internet, no tv, no games, no craft room since mid August. I'm dog sitting at my mum's tonight and I'm enjoying an evening of internet and carp TV more than ever.
    WE'VE EXCHANGED!!!!! 2 days ago. Moving on 20th October. I can't tell you how much of a stress it has been but, it's over now and we are so excited to start our new life in the country.
    In other news, I have passed my driving test (3rd time lucky) and received my pink licence.
    All is looking good, money is ok so, I'm off to get some phone numbers and quotes from tradespeople now.

    Happy days! Hope everyone is doing well on their money saving journeys? X
    Live a lot. Love a few. Always paddle your own canoe.
    • greent
    • By greent 6th Oct 17, 8:01 PM
    • 6,506 Posts
    • 65,664 Thanks
    Brilliant news! (about the move, obviously - not the lack of tv & internet! )
    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) £5278/£3286
    Net sales 2017 £1259.72/£500 PAYDOX17 £12239/£10k Decluttered 1870/2017 items
    • Elephantchunks
    • By Elephantchunks 18th Nov 17, 5:18 PM
    • 110 Posts
    • 593 Thanks
    INTERNET! In our new home!!!
    This place has felt like home the day we moved in. It is beyond our wildest dreams.
    Shropshire is heaven on earth.

    We have a bigger prettier house with loads of extras we weren't aware of such as apple trees, cherry trees, a full fish pond, blue tits, robins, cows and sheep (out the window). We also have damp, a tree growing in the chimney, woodchip on woodchip on woodchip, polystyrene tiles, a holey roof.... but this can all be sorted in time.

    Everyone that we have seen from where we have moved from have commented on how super chilled we are now. Wondering if I need a new diary???

    Loads has gone on, so I'm unable to document everything, I will just update from now on I think. Unless anyone has questions?

    Today I have mostly been makng a new bills budget, and a new weekly/monthly budget - all on a shiny clear new file of speadsheets (how exciting! No really, it was). All looks good, we have a smaller budget to sort the house out than planned due to buying a necessary new (to us) 4x4 and the bank not lending us some of our equity back that we thought would be no problem. They say we need 85% LTV left if we want to release cash for home improvements (news to me). Thats fine, thats more equity than planned and cheaper monthly payments. So we have around £5000 left for damp proofing which we have decided to do ourselves (we were quoted £15,000!!!) and to sort the roof (no quote yet, we are finding that roofers are all too busy).

    We have a bigger mortgage now and we're determined to chomp our ways through it as quickly as possible still so I'm here for the long run.
    • EatingTheElephant
    • By EatingTheElephant 19th Nov 17, 8:02 PM
    • 1,162 Posts
    • 6,237 Thanks
    Congratulations on moving into your new home, it sounds lovely
    • Jessy103
    • By Jessy103 20th Nov 17, 10:18 AM
    • 468 Posts
    • 1,981 Thanks
    Congratulations on the move!! It really does sound lovely!!
    Original Mortgage Amount 2007 - £87,310.50
    Mortgage Amount Oct 2017 - £61,990.00
    Overpayment Target for 2017 - £5,000 /£4,060.70
    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 October - £381.61
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