Offer accepted... thinking about being mortgage free already! My diary

ViHan

We were wanting a 24 year one and chip away at it, the repayments would have been £230 a month. Now with mortgage set at a 10 year term the bank decided its going to be around the £600 a month mark with insurances included etc etc. We will still hopefully be able to overpay just not as much.

ViHan

Mmm thinking today about making a few extra pennies to help pay this off sooner. Not even in the house yet and I am already disliking the debt...:o
Gonna sort some ebaying out as I pack up and take them to the new house and aim to clear them. I think I will set myself a 6 month goal to do this in.
My business has been very very slow the last couple of weeks. I am looking at opening a hobby related one when we move. I have taken advice and I think its doable.

ViHan

Been an eventful couple of weeks. No computer so I am on my phone for this. Not ideal.

Firstly the in laws gift is subject to checks re money laundering regs and they are being a little awkward but realise that we won't exchange till its sorted.


Have been sorting out the finances and our deposit sits ready We had a savings bond which matured this week and generated another £103 :money: just for being sat in an account for 12 months.

Buildings and contents. Hate those words. Because I am self employed getting these was always going to be complex. Our bank quoted us just over £1400 for the year :eek: but thanks to a little money saving shopping around we have got it down to just above £540 for the year.

Started packing up and clearing out and have so far picked up around £50 in change from around the home :T I can see the first mortgage payment being sorted when we move the big furniture LOL

Searches have come back ok, just waiting on a bit more paperwork then we can move forward.

Thats all folks, back when we exchange or I get back my laptop

ViHan

Laptop back thankfully, that insurance is worth its weight in gold when you have a rampaging toddler lol

Dh signed his half of the mortgage agreement today in a solicitors office at the other end of the country. Should be back with our own solicitor tomorrow and then everything is in place to exchange. I hope it will be this week or early next week.

Then the final furlong to go!! Waiting for that moving date!

ViHan

I know, I know.. I am bashing on and we haven't moved yet :rotfl:

Heard from solicitor today and barring a couple of queries being sent to the vendor we should exchange next week and she is pushing for completion on 21st October... 4 weeks to go!! :eek:

House is getting there with the big declutter and packing up the stuff we won't use but I still have a long way to go. Have asked my Sis to help by taking my toddler off my hands during the day a couple of times a week and I can get on while the big girls are in school

Anyway need to go and cook tea for the weary traveller. Dh on his way home from Torquay tonight so a precious few hours with him.

Till next time...

ViHan

Wow its been 3 months since I updated this!

Since I last posted we have had varying ups and downs. We were told an initial moving date of 21st October which would have tied in lovely with half term - but it didn't happen.
I got a letter from the Solicitor saying that the end of the chain, the seller's seller, were having matrimonial issues... i.e divorce and that was going to slow things down somewhat.
Then we were given 5th December as a completion date.
It rumbled on and we had been ready to exchange for 9 weeks when it finally happened... on the 4th December. We completed quickly though - on the 12th and moved in on the 14th.

It was so hard waiting all those weeks. I had people asking if I had moved and of course I hadn't. It affected my physical health and I fell ill with septic tonsilitis. The kids were upset, we lived out of boxes and they were so unsettled it was just not true.

But we finally got here. The house is great. Still small, but much bigger than what we had so we are happy.

The girls settled well, within a couple of days it was like our old house was just a distant memory.

I have really enjoyed making this house a home. We are going to finish buying the new furniture we want tomorrow in time for Christmas.

Come the new year we are going to start overpaying where we can. I have been saving already towards overpayments but I will sit down in January and really work out what goes where.

Its going to be a great Christmas.

Happy Christmas if you are reading, here's to 2012 being a year to chip off those mortgages and become financially free :beer:

dark^knight

Good luck on your MFW journey!

Tilly_MFW_in_6_YRS

Morning ViHan

Congratulations on moving in before Xmas. I have moved on the 23 December once and had to get the tree up and wrap the gifts etc. We did it and the kids had a super Xmas as you will too.

All the best with your MFW journey and good luck with your OPs.

Best wishes Tilly

Notmyrealname

I would say that whatever you did to save up the £20k deposit you should just continue to do.

ViHan

dark^knight wrote: »

Good luck on your MFW journey!

Thank you

Tilly_MFW_in_6_YRS wrote: »

Morning ViHan

Congratulations on moving in before Xmas. I have moved on the 23 December once and had to get the tree up and wrap the gifts etc. We did it and the kids had a super Xmas as you will too.

All the best with your MFW journey and good luck with your OPs.

Best wishes Tilly

Thank you too

Notmyrealname wrote: »

I would say that whatever you did to save up the £20k deposit you should just continue to do.

Yep, thats the plan, although not going quite as without as we did to get the deposit together! I am looking at more ways of adding to the pot and getting that mortgage debt off!

Merry Christmas