Learning to Live on Less!

White_Iris

debtfreewannabe321 wrote: »

Never say never on the money being upped for the old house! They've already upped their offer by 10k....I reckon they were trying their luck stand firm on what you want as don't forget you will have costs as well as them. I reckon in a few more weeks they might up it again (fingers crossed for you!)

Lets hope so! We're not going to sell it at break-even price, I'd rather put it on the open market as I think we could reach close to the money we want, so we just have to wait and see what they come back with.

debtfreewannabe321 wrote: »

What colour is your new car then? That's all i'm ever interested in i'd like a green or white one next I think as i've had every other colour but those

It's red, as that's the "free" colour and they already had one in stock which they needed to sell before the end of the month (I think they're bringing out a new shape soon, so they're trying to get rid of "old" stock). It would have been nice to pick our own colour but it would have cost another £500ish.

Really productive morning; dog walked, laundry washed and on the line, rug in living room shampooed and a dozen chocolate rice crispy cakes made for [STRIKE]me[/STRIKE] the children. :rotfl:Hopefully I can get the kitchen floor washed before I need to go get the children from pre-school but I'm catching up with Mr Selfridge first (DH doesn't do costume dramas so I save them for a bit of me-time!).

debtfreewannabe321

Oh wow I never knew you had to pay so much to choose your own colour car! I have a red car at the moment and it's been very lucky for me so I hope you have the same luck

P.s I'm the same when downton abbey is on, DH sits through it but takes the mickey out of everything they say. And I mean everything!!! He drives me mad copying them like a child would, so he usually wins and I watch it alone xx

jwil

Woo to shiny new cars :T

Hope the kids enjoy the crispie cakes (if there are any left )

White_Iris

:j Our tenants have agreed to a reasonable price for the house, so it looks like we've sold it! :j We now have to get in touch with our third party lender and wait for them to work out how much we owe them (it's based on a percentage of the house value) then we can proceed with the sale! It looks like we should walk away with about £5000, which doesn't sound very much but when you consider that a few years ago we were in £10k of negative equity and the price was £30k less than we bought it for, we're happy to walk away with any kind of profit.

We've learned some valuable lessons from owning this property - never again will be use a third party lender or get an interest only mortgage! What we need to do now is save, save, save for a decent deposit on our forever home (hopefully the one we're in now) and not build up any more debt.

debtfreewannabe321

White_Iris wrote: »

:j Our tenants have agreed to a reasonable price for the house, so it looks like we've sold it! :j

:T:T:T:T:j:j:j:j OhMYGod! Fabulous News!!! :j:j:j:j:j:j:T:T:T:T:T:T

:beer:

Will you be sticking around and joining me on my saving mission then We're wanting to buy asap (anywhere big enough tbh just to get on the ladder) and then continuing to save for the forever home :j

White_Iris

debtfreewannabe321 wrote: »

:T:T:T:T:j:j:j:j OhMYGod! Fabulous News!!! :j:j:j:j:j:j:T:T:T:T:T:T

:beer:

Will you be sticking around and joining me on my saving mission then We're wanting to buy asap (anywhere big enough tbh just to get on the ladder) and then continuing to save for the forever home :j

Aww, thank you! Until we're at exchange of contracts I'm trying not to get too excited but it is great news. I'll certainly be sticking around for a while yet, we've got a long way to go before we're debt-free and probably just as long before we can afford another mortgage but we are a bit closer now.

White_Iris

New car was collected on Saturday, very exciting but it's so clean and shiny and untouched I'm terrified of scratching it. I'm trying not to let the children scramble around in too much either - straight in, sit in their seats, buckle up and try not to scuff anything! :rotfl:I've got to put the dog in it tonight to take him to training class and I know he's going to cover the clean black interior with millions of tiny white hairs, regardless of how many covers we've put in the boot. I think I'll be hoovering this car a lot more than the old one!

We've managed to find a local surveyor who will do a valuation on the house for a lot less than the one our lender uses, so that's good. I also got the conveyancing paperwork from our solicitor this morning, so things are starting to progress on all fronts.

The icing on the cake was a very quick efficient and cheap shopping trip this morning to re-fill our Mother Hubbard style empty cupboards, which came in £10 under budget. :T

lucielle

Wow just heard your news. Hope everything goes smoothly.
L

jwil

That's fantastic news about the house!

Hope you are enjoying the new car

wishies_x

Just stumbled across your diary I am in a similar situation, I have one little boy and baby girl due in July, I currently work part time (if I went back anymore it wouldn't be worth it in childcare ) and we have pretty much the same spending money left, it sounds doable but I'm finding it really undoable there's always a birthday or something that comes up. I too have been buying second hand clothes for baby and it feel so guilty, I am finding the fact I can't buy them shiny new fabby things the hardest we would have soooo much more money if we didn't have any of these debts, but every time I sell something on ebay it gets used on something we need, never the debts! It's driving me insane - anyway! I will be following your diary and fab news about your house, I really hope it works out xx