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

Cheery_Daff

:rotfl: :rotfl: RT :rotfl: :rotfl:

On phone, will find you some decent property !!!!!! soon I promise!! Trying not to look too far outside price range as it's too tempting!! :rotfl:

Mr Cheery prefers to talk about financial things during daylight hours (I quite understand ) so we've put Saturday aside to talk about mortgages and timescales and scary things like that (I'm in York all daylight hours tomorrow - got a very important meeting with a funder - we've only 15 minutes to win him over so I mustn't just talk about houses!!) :rotfl: :rotfl:

Cheery_Daff

Ok, best I can do on phone...

I've been lusting after this house for years as I drive back into the city, and it came up for sale last year... at £650k :eek: I see they've reduced it a bit now - maybe if nobody buys it i might be able to afford it when i'm about, er, 135 years old :rotfl: :rotfl:

http://www.rightmove.co.uk/property-for-sale/property-47994470.html?premiumA=true

Look at that view though!! And still walkable to the train station! (well, a fair old walk, but definitely cycleable!) Sigh... :rotfl: :rotfl:

Clutterbee

Hello, just popping in to catch up. I have changed my name and starting a whole new journey. So great to catch up on here too. I am looking forward to your next year

starnac

Cheery_Daff wrote: »

In the meantime though, I'm away to have a scout round RightMove at inappropriate glorious houses that are far outside our price range :rotfl: because that's always fun

That's listed on my CV under hobbies and interests :rotfl::rotfl:

So exciting now. It all feels so real! Good luck for saturday for your chat and also for your meeting with your funder.

Cheery_Daff

Thanks Starnac, and hello clutterbee :hello: nice to see you

Nowt to report, trying to focus on work and not think about houses :rotfl:

Karmacat

Oops, I shouldn't pester you then ... but I love those sorts of houses, so I had a proper look at that one. You could knock them down a bit further because there's only one toilet :rotfl::rotfl::rotfl:

Cheery_Daff

:rotfl: :rotfl: KC :rotfl:

I did very briefly last night accidentally search for detached houses in our acceptable area with no upper price range :eek: Good grief. Who on earth are the people who live in those places?! :eek: I was almost sick with the thought of all that opulence and ridiculousness :eek:

Will link later if I can find them again

Cheery_Daff

(KC, I think you replied on your own thread to what I was waffling on about here) :rotfl:



Busy day at work today (on a Friday!!) but just cycled up the hill from the station and enjoying a brief moment of tranquility before Mr Cheery and his friend get back. Friend is apparently staying over so I feel mildly compelled to hoover the floor in the attic and check there is appropriate bedding - but I suppose if Mr Cheery didn't feel compelled and I didn't know friend was staying til about half an hour ago, then I really shouldn't worry too much

Might have a cuppa instead Mr Cheery bringing pizza (probably Sainsbury's 2-for£3 )

Not sure what will happen to our house talk if friend is going to still be here tomorrow... We'll see...

Anyway - one of the things on Martin's list that I haven't done is check my credit rating. Shouldn't be a problem - I've only ever had one credit card which I got rid of about 8 years ago but worth a check I suppose... Off to find the instructions while the kettle boils...

Cheery_Daff

Right. Signed up for Experian free trial (and made note to cancel again!)

Apparently my credit score is 999 out of 999 :rotfl: I alwasy was a swot :rotfl:

4 positive factors
- average age of my credit accounts is 55 months
- total non-mortgage credit is £0.00
- using 4 non-mortgage credit accounts
- not made any credit applications in the last 6 months

I take it 'credit accounts' are just normal bank accounts/savings accounts?? (actually, I found out where it told me - 3 bank accounts and the water bill )

Interestingly, I'm financially linked to Mr Cheery (we have a joint account) and he's had one credit check in the last 6 months - an insurance company in December. Wonder why they did that? We took out house insurance in December, but paid upfront so really they had no business doing a credit check!

Off to do the other places, and then I'll have to get Mr Cheery to check his too.

Fascinating stuff, I've never done this before! :$ :rotfl:

Cheery_Daff

Ok, CheckMyFile report now (checks Callcredit and Equifax)

Score here is 773, 3 out of 5 stars - could do better :rotfl:

Based on my public credit reports from all 3, score is 869

Anyway, from what I gather, score is irrelevant as everyone checks for different things. But I only have positive things on there, no negative, so I'm not going to worry.

Will get Mr Cheery to check tomorrow - shouldn't be a problem. He changed his name, but it's all gone through the electoral roll and everything so should be ok. Still has a bank account in old name which I suppose they might quibble about - but most utility bills are in his name so should be ok. Best to find out now anyway!

Right - just had a call to say the boys are on the way with a pizza :j