We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Balancing not just the budget

Options
1139140142144145241

Comments

  • MuffinTops wrote: »
    Congratulations on the mortgage offer and the chance to get away for a while too.

    I'm not able to put up christmas decorations either so have been playing christmas songs and have christmas scented candles which is boosting the mood. I've found a beautiful playlist for piano covers of christmas songs as I like it as background music rather than having "IT'S CHRRIIIIIISSTTTMMMAAASSS" blaring through the speakers. I love that song, but there's only a specific amount of christmas songs so they're on a bit of a loop.

    When are you going away?

    Sounds lovely MT :)

    I am wondering if I should dig out the box of decs after all - I feel much more excited about it now that I'm going away, which is daft because I've got to sort more things now! :eek: But the box also has a Sinatra Christmas CD in... as I totally agree Noddy is best in small doses


    Rosa xx
    Debt free May 2016... DFW#2 in progress
    Campervan paid off summer '21... MFW progress tbc
  • Well the housebuying is up in the air... the estate agent screwed up, and now the surveyor has screwed up too, and I'm going to have to try and find out whether that affects the valuation! So it doesn't look like I will be going anywhere in January does it!

    I'm ok with it though, as I'm OK where I am and don't want to spoil the joy of a new home by moving in still worried about extra costs. I'm assuming the universe is being helpful really and this will mean things work out one way or another!


    Rosa xx
    Debt free May 2016... DFW#2 in progress
    Campervan paid off summer '21... MFW progress tbc
  • I'm assuming the universe is being helpful really and this will mean things work out one way or another
    Clever girl, good assumption...
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 0/1000
    Buffer fund 0/100
    Debt March -1,119 (April) -889 (April) -498 (April) -378 (May) -875 July (190)
  • kerri_gt
    kerri_gt Posts: 11,202 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Xmas Saver!
    Well the housebuying is up in the air... the estate agent screwed up, and now the surveyor has screwed up too, and I'm going to have to try and find out whether that affects the valuation! So it doesn't look like I will be going anywhere in January does it!

    I'm ok with it though, as I'm OK where I am and don't want to spoil the joy of a new home by moving in still worried about extra costs. I'm assuming the universe is being helpful really and this will mean things work out one way or another!


    Rosa xx

    Never say never Rosa, fingers crossed for you.
    Feb 2015 NSD Challenge 8/12
    JAN NSD 11/16


  • Oh Rosa I hope things fall into place for you. I'll keep my fingers crossed for you.

    Tink xx
    As of 31st December 2018 Total Debt = £15837.59
    DEBT 1 - £41.10 DEBT 2 - £257.41 DEBT 3 - £584.12 DEBT 4 - £700.00
    DEBT 5 - £655.02 DEBT 6 - £669.18 DEBT 7 - £3448.00 DEBT 8 - £2169.12
    DEBT 9 - £2964.25 DEBT 10 - £4349.39
  • Thanks all, it will probably be OK, I am just cross. I don't want to post details on a public forum but I have queried something that I don't think should have happened and it looks like I was right. So partly I am glad that I've been checking everything I'm told, and partly I'm fed up with having to do so!


    Rosa xx
    Debt free May 2016... DFW#2 in progress
    Campervan paid off summer '21... MFW progress tbc
  • Administer some swift kicks up the backside and if you have contact with the sellers directly it may be worth letting them know about the agents screw-up too - after all, they are paying them NOT to screw things up!

    It's a rare transaction that goes 100% smoothly from start to finish, and at least it happening now means that there is still a week before christmas for things to get sorted.

    Hurrah to trips North over the break too! :T
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • Thanks EH

    I have no direct contact with the sellers but have 'happened' to mention the issue to the solicitors - what with being a naive first time buyer ;) - in the hope that such messages may make their way to the right ears!

    And a kick to the backside was administered very swiftly indeed - about ten minutes elapsed between someone sending an email and my Super Icy 'I'd like to speak to the office manager, please'... :D


    Rosa xx
    Debt free May 2016... DFW#2 in progress
    Campervan paid off summer '21... MFW progress tbc
  • Sunday shuffle time...

    Well the budget looks OK for the moment, and I'm pleased to report that my Age of Money has now reached 51 days! Not sure how long it will stay there, but nice to see!

    It's difficult to know what I will need for the rest of the month as plans for the New Year aren't clear yet. I get paid a little earlier than usual so think I will put the standard budget aside for January, and leave the rest available in December in case it's needed. I will definitely need to pay for the moggies boarding, there will definitely be extra travel costs, and possibly some accommodation costs as well. But as I now probably won't be moving until after another paycheque comes in, hopefully it will all be OK!

    I still haven't sorted gift shopping or finished cards so the rest is all a bit :eek:!


    Rosa xx
    Debt free May 2016... DFW#2 in progress
    Campervan paid off summer '21... MFW progress tbc
  • ZTD
    ZTD Posts: 24,327 Forumite
    I still haven't sorted gift shopping or finished cards so the rest is all a bit :eek:!

    You're running short of time... :eek:

    Do it today! whip.gif
    "Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
    "We were born and raised in a summer haze." Adele 'Someone like you.'
    "Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky."
    OMD 'Julia's Song'
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 350.8K Banking & Borrowing
  • 253K Reduce Debt & Boost Income
  • 453.5K Spending & Discounts
  • 243.8K Work, Benefits & Business
  • 598.6K Mortgages, Homes & Bills
  • 176.8K Life & Family
  • 257.1K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.