Cheery's buttling diary: tea in one hand, plant pot in the other, running shoes on

Karmacat

I dare you ... transfer the cake fund to the patchwork fund, and see what happens :rotfl:

Seriously, I can understand what you mean. You've only just started looking too, so its all to play for. "Whats for you won't go by you", all of that :j

Cheery_Daff

Indeed

I scared myself yesterday by setting up YNAB categories for all the different bits Martin says to budget for when buying a house (mortgage fees, valuation, solicitors etc). Put the maximum suggested amounts in - and it used up MORE than the entire Patchwork Fund! :eek: :eek: :eek:

Of course, they're just suggestions, and some of them can be added into the mortgage etc (although obviously there's cost implications to that) but it's a good job we're not moving in the next week or two!

Quite excited about sitting down with someone for a proper chat about all this now :j Meeting my friend for a stiff cake (rather than a stiff drink) afterwards :rotfl: :rotfl:

starnac

I was only teasing! I know what you mean. After the feeling (I imagine) of paying off your mortgage it must be terrifying to imagine yourself paying it off again for the next 25years!!

I do agree with KC about the "what's for you" thing although not quite in the same way

Cheery_Daff

Technically the last mortgage wasn't *mine* so I never really felt like I was paying it properly - which makes the thought of actually getting one in my name even more horrifying :rotfl: :rotfl:

Cheery_Daff

Well - my loofah seeds have arrived! :j :j Very exciting Just need to not lose them before it's time to plant them (actually, I have NO idea when it's time to plant them - not yet I'd imagine!)

Bank also sent some mortgage docs :eek: Hope they don't think I'm actually going to sign up on the day - I've been hanging round here FAR too long for that kind of nonsense :rotfl:

Went to slimming world and lost 1.5lbs - putting me back where I was about 3 weeks ago before I put a load on again :rotfl:

Came home and Mr Cheery had gone out and left me a pile of pancakes :j :j Adore that man Should probably think of something more imaginative than sugar to put on them but, er, I don't have the imagination :rotfl:

rtandon27

oooooo Cheery! nice property !!!!!! - loving the bookshelves!:D - by down south standards your 'not' home is practically a mansion!

Chocforever

You could think about getting a 25 year mortgage (so the monthly payments don't look too scary) but get a product where you can regularly overpay so you can still aim to have paid the mortgage off in 10 years.


Mortgage products only usually last a few years in any case so you aren't committing to a 25 year term forever.

starnac

Cheery_Daff wrote: »

Came home and Mr Cheery had gone out and left me a pile of pancakes :j :j Adore that man Should probably think of something more imaginative than sugar to put on them but, er, I don't have the imagination :rotfl:

I'll just leave this here: :rotfl:

Cheery_Daff

:rotfl: :rotfl: starnac :rotfl: That was pretty much what it looked like (but without the fillings - I think even I would have to separate the eggs from the strawberries!!) :rotfl:

I had sugar on ALL of mine :rotfl: :rotfl:

Good suggestion chocforever (and fab name ). Just been investigating - we've paid off the mortgage on this house :j so could use the entire cost towards another one, so wouldn't need to borrow that much, meaning that over 10 years the monthly payments would be roughly what I pay into the patchwork fund each month - so perfectly manageable :j And we could overpay on top of that and get rid in about 7 or 8 years hopefully :j

Anyway, enough speculating for one night - I'm off to curl up on the sofa with a hot water bottle and dream of that stack of pancakes :j :j

starnac

Chocforever wrote: »

You could think about getting a 25 year mortgage (so the monthly payments don't look too scary) but get a product where you can regularly overpay so you can still aim to have paid the mortgage off in 10 years.


Mortgage products only usually last a few years in any case so you aren't committing to a 25 year term forever.

Also it's better to sign up for 25 years with lower monthly payments and then overpay than sign up for 10 years with much higher monthly payments. That way the overpayment is optional so if ever something happened and you needed money for something else then you could miss the O/P for a month. If you had the higher monthly payment then you couldn't.

Just something else to think about :eek: