our forever patch challenge

sammy70

After the most stressful 6 days of our recent life, we finally are awaiting on the last thing to be sorted (land registry update), and are on track to complete 28th November :j

We haven't exchanged yet, but we have paid the 10% deposit to the solicitor, so as soon as the last query sorted, we can exchange, hopefully in next few days :beer:

sammy70

Yey! as of this afternoon, we have our our forever house in the lovely countryside :j
We exchanged contracts today, complete Monday 28th November :beer:

All the last few years of repaying debts, paying off the mortgage on our previous home, and saving have all come together, we have worked hard, and here we are! we are so excited and full of plans :j

I cant wait to get my hands on those keys!!!:)

EatingTheElephant

Yaaaaay congratulations :T

sammy70

I cashed in £8.40 from quidco, when that hits our account, Its going towards our first mortgage overpayment :rotfl:

sammy70

Today I organised electricity and land line and broadband for our new home

Used quidco for the landline. £70 cashback:j, also £75 cash card offer from bt, not sure when that arrives, but will come in handy :T

pink_poppy

Fab news ~ congratulations!! :T

sammy70

We are excitedly planning our move, 2 more sleeps :j

Our little smelly spaniel is off the the kennels this afternoon for a mini break until Tuesday, so she doesn't get under our feet during the move, and get stressed with all the toing and froing .

Tommorow we collect the van we are hiring, and sunday we are collecting a few item of furniture from my grans house that we are having

We haven't bought anything new, I intend furnishing the house with beautiful preloved items that match the rural setting, I love interesting things with a bit of history, and most of the time, due to our throwaway society, you can get bargains too

We will of course get new carpets etc , we will look at whats there, and replace as required, and as the budget allows. We are just grateful to have got our dream home, the trappings and d!cor etc will be an ongoing long term project .

Our initial plan is to save for all projects in a list of importance, and do them as we have the cash saved up.
I really want to avoid borrowing more, and I intend to work on reducing the mortgage with regular overpayments, again as the budget allows.

I'm going to work out a new budget once we know all the correct outgoings, and then we will set ammounts for all short and long term projects/savings, I love a good budget challenge as I'm sure everyone can tell by now :rotfl:

I will post after the move , when our new broadband is set up, and all our worldly goods moved to our lovely new home

sammy70

Just checked online banking, and our new mortgage is showing as of 25th November, we officially have a mortgage of £245,695 :eek:

It doesn't show amount/date of the first payment yet, I was tempted to make an overpayment , cant wait to get stuck in to our new challenge, I know this time its going to be a marathon, not a sprint, but every penny overpaid counts, ive learned that from past experience

sammy70

We have moved in to our lovely countryside home. We actually moved Monday, Monday and Tuesday were spent bringing our worldy goods..

Today ive made a start on cleaning/organising, but like the mortgage, its definitely going to be a marathon not a sprint, I don't think the previous elderly owners hadnt spent a great deal of time here in the last few years, preferring to spend most of their time at the seaside they have now moved to, hence lot of grubbiness everywhere.. I will get on top of it in the next few weeks..

our first mortgage payment goes out late (we requested 1st of month) on the 12th this month.

We have broadband and land line sorted, need to get lots of address changes sorted in the next week or so, driving license etc.

I feel a bit weird at the moment, its strange, new rooms etc to get used to. I'm sure in a week or so I will feel more relaxed and settled , at least we wont be moving again!

Off to check bank account to organise payments due early December

sammy70

well we have been in our new home one week today

I'm still overwhelmed with to dos, but we are getting on with it, living room painted yesterday, new carpet being fitted in their tomorrow. we will then have one room all sparkly fresh to relax in, get the Christmas tree up, and make plans for our lovely new home and life together in

We have quite a lot of old and lovely furniture, I don't intend buying new ever again if possible, there's such a lot of vintage loveliness around at bargain prices :T

After this month, I will be able to make a firm budget for outgoings and savings pots, once all direct debits have gone out, and we know accurate monthly payments

I'm itching to start new budget, and then I can make also a firm plan of overpayments too. I really want to try and make a monthly overpayment, £150 a month reduces our mortgage from 21 years, to 18 :j That's the starting target, but hopefully, with other little overpayments little and often, I'm really hoping to reduce the term a lot more, lets see! :j