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I'm baaack! And still dreaming of being MF!

245

Comments

  • Nice to have you back Cazzie!!!:D

    Can't help much with the decision - I have had bed neighbours and good ones and know that the bad ones can really affect your life on all levels; I would never knowingly put myself in a position where I would have to endure it again though. If I were you, I would probably have a look at other options - but you never really know what a place is like until you live in it...:(

    Whatever you choose to do, I hope that it works out well for you :D
    Mortgage 12.12.12 £55842 12.12.13 £42716 14.12.14 £28837 13.12.15 £25913
    Mortgage OP £50/£600 House Fund £420/£5000
  • Hi Caz, lovely to see you starting a new diary. I often thought about you when I came across a butchers :)

    Have you done a complete food inventory, freezer, cupboards, fridge, anywhere you have stuff hidden? You were always so focussed on your food spend and hopefully you can get that back again quickly.

    Really happy to see you back and will pop in often.

    Best wishes Tilly x

    PS, you definitely need more saving pots :rotfl::rotfl::rotfl:
    2004 £387k 29 years - MF March 2033:eek:
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15 :j
  • coldcazzie
    coldcazzie Posts: 1,407 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Hi Caz, lovely to see you starting a new diary. I often thought about you when I came across a butchers :)

    Have you done a complete food inventory, freezer, cupboards, fridge, anywhere you have stuff hidden? You were always so focussed on your food spend and hopefully you can get that back again quickly.
    I have now done that, and surprised myself with some of the things I found. I threw out a bunch of stuff which was out of date (June 2011 anybody?! :eek:) so now everything we have is accounted for and also edible!

    Manwife and I have agreed we need to remind each other more to put stuff in the freezer/take stuff out in time etc. There's been times where I've batch-cooked something, left it on the side to cool before freezing, and then forgotten about it until the next morning/gone to bed early, and then it's had to be thrown away :mad: I'm also really bad at remembering anything that is in the fridge in the garage, which means he puts stuff out there because it won't fit in the kitchen, and then a month later I discover it there and have to throw it out because it's gone furry :o this needs to stop!

    On the other hand, they do say that every cloud has a silver lining... we have earned ourselves 20p off per litre at T*sco this month because we spent so much money there last month :A
    PS, you definitely need more saving pots :rotfl::rotfl::rotfl:
    Ahahahahaaa!! I think you may be right ;) can never have too many pots! :rotfl:
    Rule 7: If you're not changing it, you're choosing it.
    MFW 2020: 1 Jan £92903.90 ~ OP £536.80/£500
    MFW 2021: 1 Jan £89281.21 ~ OP £404.62/£500
    MFW 2022: 1 Jan £85579.20 ~ OPs on hold.
  • coldcazzie
    coldcazzie Posts: 1,407 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Nice to have you back Cazzie!!!:D

    Can't help much with the decision - I have had bed neighbours and good ones and know that the bad ones can really affect your life on all levels; I would never knowingly put myself in a position where I would have to endure it again though. If I were you, I would probably have a look at other options - but you never really know what a place is like until you live in it...:(

    Whatever you choose to do, I hope that it works out well for you :D
    Hellooooo! :D

    Sadly we can't afford a detached house which is our ideal. I think tbh the neighbour issues were the icing on the cake for us. We were already unhappy, both in the house and the area, and as you say, you never know for sure until you're actually living somewhere. We thought we'd love it here because it was a nice estate, and we had friends locally and it was a bigger house blah blah. As it turned out we don't like living on an estate, the local friends have gotten divorced and the bigger house hasn't actually solved the things we didn't like about our old house. You live and learn I suppose :)
    Rule 7: If you're not changing it, you're choosing it.
    MFW 2020: 1 Jan £92903.90 ~ OP £536.80/£500
    MFW 2021: 1 Jan £89281.21 ~ OP £404.62/£500
    MFW 2022: 1 Jan £85579.20 ~ OPs on hold.
  • coldcazzie
    coldcazzie Posts: 1,407 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Update: the buyers came back to us early with an increased offer, and we've decided to accept it. So our house is now officially "under offer" !! :j :j :j

    We've made an appt to view House 1 at the weekend. I guess we'll see what's what.

    I think my anxiety has actually increased rather than decreased! :o
    Rule 7: If you're not changing it, you're choosing it.
    MFW 2020: 1 Jan £92903.90 ~ OP £536.80/£500
    MFW 2021: 1 Jan £89281.21 ~ OP £404.62/£500
    MFW 2022: 1 Jan £85579.20 ~ OPs on hold.
  • coldcazzie
    coldcazzie Posts: 1,407 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    This morning I rang several places to get conveyancing quotes after our EA gave us a "competitive" one. (Their claim, not mine!) Turns out the solicitors we used before is the cheapest as well as being an excellent solicitors so we've gone with them again. Haven't yet got rough quotes for moving vans or a survey but if I use our last move as a guide then I estimate our costs will be around £2k... and then the dreaded stamp duty on top (assuming we can't negotiate the vendors under the threshold). Genuinely have no idea how we'll afford it, but I am wondering whether a 0% CC that we can pay off over the following 12-18m might be the way forward? Another option is using some saved funds to pay it, but it would leave us with literally no emergency funds whatsoever, and that thought makes me rather uncomfortable.

    Some home ed friends of ours mentioned that the house next to them is for sale (2 different families, living next door but one - the house in the middle is available). Sadly it's out of our price range and also too small :( shame really.

    Posting off 3 items I sold on the Bay of E today; funds have been transferred over to our account this afternoon, also have some cheques to pay in and a friend owes me some cash. Additionally manwife is doing an extra week of on-call which means extra funds in our jt acc, which will hopefully mean that next month (when he does no on-call at all) won't be quite so hair raising as I was predicting.

    Have had a final payment from a client yesterday, as well as a cheque from Royal Mail refunding the special delivery postage cost after there was a delay in delivery. Interviewing with a potential client this evening so hopefully that turns into a booking... although it does mean I'll be on call for 4 months solid! :eek: Need to chase 2 other clients for payments at some point in the next few days.

    Heading down to into town now to pay things into various bank accounts and take some clothing and other bits and pieces to the charity shop... only about half of it, mind, the rest is stacked up ready to photograph to put on the Bay of E over the next few weeks. On that note, I've not sold on there since they changed from free listing weekends to 20 free listing per month... is it per calendar month? Ie, 20 listings in Oct, 20 in Nov etc? Or does it run 30/31 days from when you put your first listing up?

    Eating out of the freezer tonight - discovered some haddock fillets loitering in the bottom of a drawer so will oven bake and serve with new potatoes, peas and wilted spinach (and fish fingers for the kids cuz they don't like real fish). Need to update my stock list, but I have my meal plans for the next week so hopefully will only need to pop in for a couple of fresh things at the weekend.

    I can do this! I'm determined to not be totally screwed financially by moving!
    Rule 7: If you're not changing it, you're choosing it.
    MFW 2020: 1 Jan £92903.90 ~ OP £536.80/£500
    MFW 2021: 1 Jan £89281.21 ~ OP £404.62/£500
    MFW 2022: 1 Jan £85579.20 ~ OPs on hold.
  • Mrs_E_3
    Mrs_E_3 Posts: 189 Forumite
    Exciting times ahead. Looking forward to hearing how house number 1 fares for you when you view it. Last time we moved, we put everything we had to pay up front on a 0% card and paid it off when all the money changed hands.
  • coldcazzie
    coldcazzie Posts: 1,407 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Spent some time this morning starting to sort out the garage. Not sure how we managed to amass so much crap?? We've only been here 4 years...

    Anyway, I filled a wheelie bin, and half filled the recycling bin, plus 2 bags of rubbish so that I can put the seats down in the back of the car and do a tip run with lots and lots of stuff... a friend suggested a skip but skips cost money and I'm reasonably sure if I plan right then I can do a tip run and go to the supermarket at the same time so I'm not using petrol up just on one thing.

    Manwife took another big bag of clothes to the charity shop this afternoon (on top of the ones I took yesterday), returned some headphones for a refund and I listed another 12 items on ebay (with two more still to do). Reasonably sure I'll have another couple of bags of stuff to charity shop by next weekend.

    It's very cathartic, clearing stuff out that's needed clearing for a while :)

    Does Peony still post here? Are you out there P?? *hopes*
    Rule 7: If you're not changing it, you're choosing it.
    MFW 2020: 1 Jan £92903.90 ~ OP £536.80/£500
    MFW 2021: 1 Jan £89281.21 ~ OP £404.62/£500
    MFW 2022: 1 Jan £85579.20 ~ OPs on hold.
  • coldcazzie
    coldcazzie Posts: 1,407 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Having seen it again, we're sure House 1 is the one. Currently debating what to offer. Vacillating between offering just under the stamp duty threshold, or offering the asking price (£2k above the stamp duty threshold).
    Rule 7: If you're not changing it, you're choosing it.
    MFW 2020: 1 Jan £92903.90 ~ OP £536.80/£500
    MFW 2021: 1 Jan £89281.21 ~ OP £404.62/£500
    MFW 2022: 1 Jan £85579.20 ~ OPs on hold.
  • coldcazzie
    coldcazzie Posts: 1,407 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    edited 10 November 2014 at 6:02PM
    Offer made and accepted :j am not excited yet though, we all know it could still go to pot...
    Rule 7: If you're not changing it, you're choosing it.
    MFW 2020: 1 Jan £92903.90 ~ OP £536.80/£500
    MFW 2021: 1 Jan £89281.21 ~ OP £404.62/£500
    MFW 2022: 1 Jan £85579.20 ~ OPs on hold.
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