Pay off mortgage and start having fun!

newgirly

Sorry for the delay in replying Daisy and thanks, it’s good to know you are happy with your kitchen

It’s been a bit chaotic here this week, ds2 is now living in the conservatory and dd is staying at my parents. The electrics are half done so hopefully it will take another week and a half or so before the bedrooms are all completed and they can move back in.

The boys are away tonight visiting a uni friend in Sheffield, so we have spoilt ourselves with food today toast in the garden centre for breakfast, a sandwich in the pub for lunch and an Indian takeaway for dinner tonight. Not at all mse I know but I felt like a splurge!

Other news this week is we are viewing a house on Tuesday, not that our house is in any way in a good position to sell right now, but the one we are viewing is a lot bigger than houses usually for sale in our price bracket, so I feel worth a look. It’s a bit ugly really and quite dated, but has three receptions , a downstairs loo and utility and even a study. It would mean borrowing approx an extra £125k, so not a decision to be taken lightly.

Its still very close to where we are now, but in a quiet no through road with fields behind, very tempting at the moment as it’s been very noisy here lately.

I’m very overdue catching up on diaries and sorting the finances out, hopefully tomorrow I’ll catch up

Moneyfordreams

oo, good luck with that. I've only visited your area a few times (niece lives there) but the woodland where she is is lovely

newgirly

Thanks mfd’s, I’m a bit nervous incase I love it , it’s all a bit overwhelming, I’m also slightly worried that my irritation with neighbours might influence me too much. Next door have moved back in except mum is in the house and her ds (18) is living in the outbuilding. He is not especially noisy but smokes pot in the garden and often has hoody wearing friends over talking until late - not noisy enough to complain about, but enough to disturb me and my early nights now I’m getting on a bit


Anyway, back to business! £5.04 topcashback op’d today along with £7.22 Tilly tidy, now the total is £167.44 of the £150 target

newgirly

We’ll we viewed the house last night and I don’t know what to do!

Lovely family there who have not even started looking and said they are in no rush (our house resembles a building site so not ideal!) but could move out still if not found and stay with family.

So here are the pros and cons-

Pros-

Three receptions, including 21 ft dining room for my massive table
Downstairs loo , seperate utility -we currently have one very long 35ft ish reception and a 10x10 kitchen, no room for downstairs loo really, no utility

Slightly bigger garden , side access

4 beds , bathroom and en-suite plus study area

We won’t find anything this big near this budget as most houses around here are traditional looking and dearer.

parking for three cars (not two) plus drive won’t be constantly blocked

Very quiet road

Bus to station , walk to the boys pub still if a bit further :rotfl:

Price OIEO £500K

Semi not terraced

Garden that would be better for family gatherings and maybe one day grandchildren

Garden more private , current one is now ok (all paved) but we seem to have lots of neighbours close by and it can be noisy

Cons-

An extra £125k approx on the mortgage :eek:, we do have rent coming in after the factory mortgage is paid off in 4&1/2 years (25k before tax)

Everthing is liveable but I can see money needing spending everywhere , bathrooms, windows , floors, kitchen etc.

£125k could be spent on holidays and cruises now the kids are adults

Layout -big but a bit odd

Style - current house fifties semi with bay window at front , new house more sixties looking , weird tiled bit on front between main windows.

Its not home, we have lived here since the twins were ten months old and I am very sentimental

Hassle -prepping and selling ours , moving many years of stuff in sheds and garage

Our bedroom is much nicer in our current house , bigger and we have a bathroom with bath and shower, it’s my fav room

lindez

Hi I have been lurking in the background for a couple of weeks just getting to the end of your diary. You have done brilliantly newgirly thank you for sharing your diary it is inspirational.

newgirly

Hi Lindez, blimey you have not read all that surely :eek: if so you deserve a medal for perseverance! Thanks for your very kind comment though, will you be writing a diary?

It’s been a busy week, I’ve upset the builders by stopping them taking a short cut and delayed the bedrooms by a week by asking they plaster the whole of each room rather than just redecorate, there are no plasterers available in the company currently I’ve chosen the kitchen, which was traumatic as I like to pontificate and change my mind very often with big decisions and usually they can take months :rotfl: But today I sat down and picked it all within a couple of hours from a book :eek: no weeks on end looking at showrooms and on p*nterest.

It’s gloss white handleless with white shiny worktops, white wall stuff instead of tiles. I wanted a seventies vibe but it’s hard to do that without it a). Looking a bit bonkers or b). it looking like we need to update out old kitchen :rotfl:

So I’ll have some old funky 70’s crockery etc. But in a modern plain kitchen.

Financially I've no idea what all this will cost, ive picked the kitchen I want rather than what’s cheapest ( I do mean “I” picked it - dh hasnt even looked!) and feel like while they are here we will get as much done as possible. I think I’ll put all ops into the offset instead of paying off the balance at the moment as I’m sure we may need more. Still adding them to my op totals for the year though

Weigh in day yesterday and I put on a pound, clearly WW scales are faulty as I was really good all week, it’s upset me so much dh ive had five biscuits today

This weekend is one of odd jobs and catching up , ds2 is going to a couple of London day festivals this weekend, he has invited friends over for drinks before they go at 9 am tomorrow :eek:, we are just so classy here :rotfl:luckily they should be gone by 11am. After that I’m off to collect my new sparkly wedge sandals ordered from a shop, identical to the ones I had and loved last year which went “missing” after Dd emptied out her shoe cupboard and sold it all at cash for clothes, apparently these two things are a coincidence though.........

Moneyfordreams

After we tidied up our house 18months ago I still wanted to move.. Sometimes its a now or never thing... but do you want to keep paying mortgages for 10 years or so? doing up a place is a nuisance when living in it. our 1920's/1970s bathroom will cause us ructions when we eventually get to it. Where will we shower? where will we P? :eek:

Pre festival sounds fun.. I need to remember I'm nearly 50

newgirly

Bathroom work is not fun, I’ve been there and moved in with parents when the kids were little and we only had one toilet

Not sure I do want to pay a mortgage for a lot longer really, I’m just getting fed up of the noise, nothing out of the of ordinary just neighbours sitting outside chatting - but Quite loudly and every night....

Ds1 had the worlds worst hangover after the festival yesterday and unfortunately he has to go back again today for day two! Ironically our town had its own music festival this weekend (in the news for being badly run actually today!) my two look down their noses at it not being a proper festival - it’s all dance music and girls with fake tan on apparently :rotfl::rotfl:

Still half the roads are shut and there are thousands of them wandering around town with no portaloos! last few years best friend who lives in the main road into town has seen some traumatic sights toilet wise :eek:

Anyway, I’ve spent the day ironing and packing for the cruise which is in 13 days time. This will no doubt attract a little criticism, for some reason the “late packers” don’t approve of us “early packers” in my family. It’s seen a small some sort of weakness to not be able to pack the night before you go.
I can pack light for short trips on planes and I always do, however a week long cruise somewhere that could be hot/cold/wet requiring dressy clothes every night plus a couple of black tie outfits requires a lot more effort. I can take as much luggage as i want as we go from Southampton , so I am taking a lovely big case I’m putting in lots of flip flops In different colours I don’t even need, just so dh can count them all as “shoes” and proclaim to everyone that will listen how many I’ve brought (11 this time so far :rotfl:)

Tomorrow’s plans are :

Pack for dh - check how much he doesn’t already have

Do finances

Pick all kitchen built in appliances and email to designer , there are no prices in the howdens book so I suppose I just guess :eek:

Book travel ins

Book cruise parking

Tidy and clean again - usually keep this to a minimum but am doing all constantly at the moment and it’s still a mess.

themadvix

If it's the neighbour's son, surely he'll move out at some point and the noise will reduce? Better that perhaps than paying the mortgage for a lot longer? I guess you just have to weigh up the pros and cons for yourself. What does DH think?

LadyGnome

How long will you have a full house too? At some point the children will move out (hopefully )and then you can have a think about what you need from a house.