I STILL want to be mortgage free - 2011!

CathT

Hi twinklie, just caught up on first few and final few pages of your diary. Hope you are enjoying the start of the holidays.

twinklie

Thanks Cath, nice to have you on here.

I've been looking through right move and local estate agents for prices of houses where I am. It looks as though the housing slump has hit here. Houses like ours are going for between 69'999K and 79'999K. We currently have an outstanding mortgage that you can see in my signature. The house we are interested in says offers over £149'999. I would argue that it's an ambitious price. It's been on since christmas and has had little interest - it's a beautiful house though I might add.

We have some work to do on ours (father inlaw is back to do it over summer - yey). So fingers crossed we can get a wriggle on with the selling after that.

I'm a bit skint at the minute so it might give me time (fingers crossed) to save up money for EA's etc. I hope anyway.

Right, going to do some school stuff now - I'm such a saddo. Ha ha.

twinklie

HOME

1. Develop to do list of jobs on house.
2. Plan schedule of jobs with father inlaw.
3. Sort the mess that is the bedroom.
4. Sort the mess that is the study.
5. Wash and put away all school clothes (my fav bit).
6. Clear out anything we don't need.

Random Tasks

1. Tent train Belle.
2. Start doing breathing exercises every morning.
3. Start exercise routine.
4. Sort finances out on the computer.
5. Check for big payments due between now and the end of the year.
6. Finish dissertation - I can see this one being put off!! Ha ha.

School

1. Type up Psychology exam notes for other teacher.
2. Write Memory SOL.
3. Write Personality SOL.
4. Write Stereotypes SOL.
5. Write Research methods SOL.
6. Plan lessons for year 8 first 2 weeks.
7. Plan lessons for year 9 2 weeks.
8. Plan lessons for C2 (new).
9. Plan lessons for B2 (old).
10. Plan lessons for C4 (old).
11. Plan lessons for C5 (old).
12. Plan lessons for C6 (old).
13. Finish stuff for Psychology wall display!

Number 11 and 12 are if I get the opportunity.

Ok I know it looks like lots (and it is) but then I very much doubt I'll get it all done - it's more of a to aim to get done list!

beachie

That list makes me tired just thinking about it! Really wish you the best of luck though. I have been following your journey but not commenting much!

twinklie

Aww I love it when new people comment. Gives me a warm fuzzy feeling, and makes me feel less like I'm talking to myself. Ha ha.

Right since DH got me up rudely early in a grumpy bad mood I figure I may as well be productive. So the plan is to sort all the washing out and hang out more to dry. Take Belle out and clean the kitchen. Might think about the study tomorrow. Yawn.

gratefulforhelp_2

twinklie wrote: »

What sorts of things do I have to save up for with regard to a house move? I've got a while to save up - but want to start setting money aside (or planning to set money aside) now!

Stamp duty (I think1% upto 250k)
legal fees 1k +
Est agent fees around 2%
Removals, 500 quid to the sky
a fund for doing nice things in the new house
Survey money 1k ish for a decent one.

twinklie

Are all of those things you pay before the move? Thanks for that, its a good list. Is 2% the standard rate now rather than 1%?

Lois_E

Conveyancing solicitors usually want some money up front, then you pay the balance of it, plus the stamp duty, to the sol just before completion when you hand over any deposit money that you're adding to the equity you have in the house that you're selling. The estate agent you're buying through will want proof of funds (ie where the money's coming from, mortgage agreement etc) before they'll progress the sale.

PS What is it about the house that makes you love it?

gratefulforhelp_2

gratefulforhelp wrote: »

Stamp duty (I think1% upto 250k)
legal fees 1k +
Est agent fees around 2%
Removals, 500 quid to the sky
a fund for doing nice things in the new house
Survey money 1k ish for a decent one.

Bolded are the ones I have had to pay upfront.

twinklie wrote: »

Is 2% the standard rate now rather than 1%?

Depends on what you can negotiate/how saleable your house is. DH just paid a little over 2% to sell MIL's flat, but SIL CBA to negotiate.

twinklie

Can't tell you what it is I love about the house as such. It's in a little village on the tops near the Lancashire yorkshire boarder, so countryside on your doorstep. It's down a dead end so very quiet. Had a garden, garage, utility room and ensuite. All things I've always wanted. And its near my friends and much closer to work. It's a place for middle class families. Where I live at the minute is a busy terraced street, with lots of traffic. Lots of students and very noisey with high crime rate. Not near my friends. It's a 30 min drive to countryside. And we don't have enough room for all our stuff!