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

Cheery_Daff

Nice weekend here Cafe with Mr Cheery yesterday then I can't for the life of me remember what we did last night :eek: Wandered to town today, got 20% off my diary :j and had our free john lewis tea and scone :money:

Then met a friend in another cafe and ended up spending about £12 so not exactly frugal Also bought a flowery laptop bag in an antique shop (clearly NOT an antique - it was brand new from Paperchase :rotfl: )

Actually eaten some proper food for the first time today (been surviving on cereal and toast since Tuesday). Felt good! :j

Cheery_Daff

Evening chums :j

Tis payday :j :j And that means shuffling and YNAB :j :j

It also means payRISE - which I have FINALLY sent proof of to the mortgage broker, so the building society will hopefully FINALLY say we can have the dosh we want... :eek:

(of course, they haven't yet agreed to us having the *house* we want either, but let's fight one battle at a time, hey?)

Picked up some plastic folders that I use in work today - I don't use work ones as they're just not right and I have my own special filing system using these ones that I'm happy with :rotfl: Tried to get some at the weekend and a couple of stationery shops wanted £4.50 for 24 :eek: Pretty sure I'd previously bought them 25 for £2 in T3sco, so toddled off there at lunchtime - and they were reduced :money: 25 for £1.20 :money: so I bought 100 for just over the price of 25 from the other shop. Pays to look around sometimes!

Anyway, don't know what I'm rabbitting on about that for - the major financial news of the day is that I paid off my student loan :eek: :eek: :eek: :eek: :eek:

I *know* Martin advises not to However, because our mortgage broker neglected to put it in our initial mortgage application, the amount we were provisionally told we could borrow was based on me not having one - and as we went right up to that amount (got a bit greedy with our choice of house perhaps... ) they then wouldn't lend us that amount until I'd paid the loan off :eek:

At this stage, just wanted proof that I had enough savings to pay it off, but given how much they've messed about so far, I don't trust them not to want actual proof soon.

So just over £4000 disappeared out today :eek: :eek: :eek: :eek:

(excuse me, I might need a quick lie down and a stiff drink)

Cheery_Daff

Phew, that's better :rotfl: :rotfl:

Anyway, had a fiddle with the salary calculator - they take the student loan repayment out before I get it, so (I assume) before tax, pension etc, so I wasn't sure whether I'd get the actual amount they take back.

Anyway, turns out the pay rise plus the lack of loan repayments means we'll be about £268 a month better off :eek: :eek: :eek: :eek:

Of course, the vast majority will have to go towards building the massively depleted savings pot back up again But even so :eek:

Of course, these things take time, and apparently it's going to take them 14 days to send me a letter confirming I've paid it off :eek: Apparently as soon as the money has arrived with them from the bank, they'll notify my employer, and then they notify HMRC, and then they stop taking the money, so all that might take 28 days (or probably more likely months) so it's very likely they'll steal it next month and I'll have to swipe it back... :eek:

But still. Crikey.

Cheery_Daff

Right - YNAB done, and £1300 transferred over to the house fund :j :j

Also requested the dosh out of my online ISA (which is with another bank), as that's got a 33 day withdrawal thing on it, and I'll need that money to cover stamp duty now I've used some of the normal savings to pay off the student loan.

(I'm making the wild assumption that I will NOT have actually moved house by 21st October... :rotfl: On current progress I suspect we won't have moved by October next year!! :rotfl: )

Anyway, stupidly managed to block my own access to my own account in the process of authorising the withdrawal :rotfl: so that's another phone call I'll need to make in the morning - sigh!

Time for a cuppa I think...

Greying_Pilgrim

Lawks Cheery - what a roller coaster! Glad you're getting on top of it though, and you know what to do and when to do it. Hopefully you'll get all the written confirmations you need and it'll be confirmed sooner rather than later.

Greying X

Pippilongstocking

Larks indeed my girl!!!!!

Well done on paying off the student loan and finding out about extra funds etc. Happy new payrise, loan paying off and overall getting there by sheer hard work. xx

EssexHebridean

Well that was a lot of financial updating all in one go! Yay to payrise, and eek to sending big piles of cash to the Student Loan people - at least it's gone now!

So now we just need to cross fingers for the Broker talking to the lender, and the lender agreeing that the finances are right, and then we can move onto whether they're actually happy to lend on the very sort of property that the broker said they would be right at the start...yes? I'm feeling tired just thinking about this!

Cheery_Daff

Yes I was rather waffling on, wasn't I? No change there then :rotfl:

Fingers crossed indeed. Had confirmation yesterday that broker had sent info to building society and requested details of what proof they'd need from solicitor about changing the title. Should hear back by tomorrow. They also rang the seller's estate agent for me as they'd left me a message asking how the valuation had gone :eek:

Two small financial triumphs this morning :j

* locked myself out of online savings account when trying to transfer dosh the other day Rang them up to sort it, but then couldn't remember password (which is why I'd lovked myself out) and had to admit to the nice man that the computer had saved my password on the first page, but I couldn't remember it to enter it again to authorise the payment on the next page :rotfl: Which, I assume, is why they have a second authorisation... Anyway, went to change the password and when I saw the stupidly lengthy list of requirements I remembered what I'd put anyway so it all worked out well in the end

* Had the bill email from the energy company, and we're £266 in credit so they've suggested changing the direct debit from £106 to £65 :money: I only increased it because (on the strength of two months where it went up to £120) they suggested increasing it... It was £67 before which is where I think it should stay

Extra £41 a month will be winging its way straight to the house fund :j

In fact, I *think* that technically there is enough in the house fund now :j :j Once the money from the online savings account arrives (in 33 days) that will replenish what I used to pay off the student loan, and the rest can be put into a general emergency savings fund :j :j

SO pleased we managed to save enough for house moving costs before we moved :j Good job as well, since there's no way they'd let us add them on to our (currently non-existent, not-offered-yet mortgage...) :eek:

Cheery_Daff

Evening MSE chums :hello:

Well, a rollercoaster of a day here :eek: Had a nice morning, and a productive afternoon at least :j

Then I missed a call from the mortgage broker, who left a message saying 'everything was fine' but it was a long update so they'd pop everything in an email.

Then as I was waiting for that, I got a message saying my poor old Nan has been given just days to live She's in her 80s, and has had dementia for a couple of years but been pretty cheerful and otherwise healthy up til about 3 weeks ago, but is now very poorly indeed. Very sad, but not a bad innings really. I'll go over first thing on Saturday.

Then as I was processing that, the email arrived from the broker saying the building society have FINALLY agreed to the amount we requested :j :j :j They just need a letter from the solicitor about splitting the land into parcels (so the mortgaged one falls within the remit of the amount of land they'll lend on). Solicitor has said this is straightforwad (I'm not holding my breath but fingers crossed).

So I'm extremely pleased about that, but sad about my poor old nan, who is my last surviving grandparent

Urgh, emotional rollercoasters are exhausting!

Just got tea on, and then I've got the evening to myself so might come back in a bit with some kind of a plan (even if it just involves knitting and a film...)

Greying_Pilgrim

You have been through the mill today Cheery.

I'm sorry to hear about your nan. Connections with loved ones is so much more important than 'paperwork', so I very, very much hope that the 'professionals' get on with their work seamlessly now, and allow you to be there for your family.

Greying X