Ruby's Bought a House, Now I want to Own It!

BravingSaving

Well done - definitely just crazy organized I've said we're going to order all our bits this weekend then its a big job ticked off.
Great news about the bin! 

ruby_eskimo

Thanks for reassuring me ladies that I'm not actually going mad.  I think it's because I'm sat in day 2 of an online conference for work and there's a little bit more downtime today I've also just thought of gifts for our other friends but need to run it past Mr Eskimo before I push the button on the purchase.  Then it's just him to buy for  

ruby_eskimo

Oh and this house of horrors just gets better and better - so the old canopy has come off but we have some tiles on the wall which are threatening to fall off around it.  So the FIL has made a mad dash to B&Q to get "stuff" to shore them up and stop us from demolishing the front of our house anymore

ruby_eskimo

Happy October!  So the canopy work finished on Saturday and I have to say it looks really good.  All the neighbours (and I mean ALL of them) made a point of coming out and commenting on it.  I think it's because we've gone for one with an internal support so it doesn't need the horrible metal poles to hold it up like everyone else has and now it's got them all thinking

Money shuffle has been completed and a £243.74 mortgage overpayment made to round things off again so now we're at over £1000 in OP's made so far this year which is quite an achievement!  Hoping to try and get it to £1500 by the end of the year but we'll have to wait and see as I need to top up the EF and the LISA at some point as I really want to max that out by April.  Next year it should be easier to fund the LISA as I won't have student loan payments to make; just hoping they actually take the direct debit this month and I don't have to make a manual payment again.

ruby_eskimo

Morning all!  Started writing a post yesterday and never actually got around to posting it.  Not that a lot has happened recently

Made another £30.31 OP to the mortgage as I forgot the interest charge hadn't cleared by the time the actual payment had cleared.  So we're now at a nice round £254,000 left to clear which should only take a little while right?!?  I'm really hoping we can get a way better mortgage deal when the fix ends so that our interest rate isn't quite so bad and we may actually end up making more of an inroad each month.  We're both in a better financial situation having cleared all our debt with just my 3 remaining student loan payments to go so hoping it all goes in our favour.  Also really pleased that we're on track to beat the £1200 OP target I set myself at the start of this year.

Had 2 NSD's so far this month and today should be number 3.  Ended up making a mad dash to the big blue and yellow swedish furniture shop last night to get some organisation bits that DH desperately wanted.  £44 from the house pot later and we actually just picked up the things we needed which also included a towel rail to put in the kitchen so I don't have to keep trying to hang tea towels on the drawer handles and failing miserably

I'm actually going into the office tomorrow for the first time since the 16th March.  Feeling quite nervous about it despite there being no one there.  Only going in to have my flu jab but will work for a little bit in the morning first, then clear my desk out afterwards and head home in the afternoon.  Driving up there to minimise my contact with other people but still know I'll be a little freaked out by it all.

BravingSaving

Hope your first trip back to work went well 

ruby_eskimo

BravingSaving said:

Hope your first trip back to work went well 

Fairly uneventful to be honest!  Still felt very nervous about being in the office so left after 2 hours but at least it gave me a chance to clear out my desk and rescue my mug and plant (which was just about still alive!)

ruby_eskimo

So I came back from the office earlier to the plumber here to FINALLY FIX THE TOILET!!!!  He's just left and so far so good.  DH is now on the phone to Wickes to try and get some money back to cover the extra water bills but it's one big thing crossed off the list.  

May or may not have bought a vintage dress last night that's perfect for me.  Not so good on the stop spending front but fingers crossed that's the last purchase of the month.  And it's yellow, and it has dots and I'm excited.

ruby_eskimo

Morning all.   Is it morning?  What day is it?  I have no idea because I've been up all night.  My joy at having a fixed toilet was short lived to say the least since I've had water pouring through my kitchen ceiling since yesterday afternoon.  All my towels are slowly getting chucked in the bath as they try to stem the flow of water coming from somewhere around my toilet, there are plastic boxes and buckets all over my kitchen to try and catch the dripping and my husband and I are complete wrecks because we've been up half the night worrying because not only will this mean having to take the floor up again in the bathroom, we also just had our kitchen ceiling replaced because of the massive holes from when it was leaking just before we moved in.  3 years we saved to have this done and it's just been one disaster after another.  Oh and to make it even better the new toilet cistern started free-flowing again...

Will give the plumbers kudos that they turned up here before 8 this morning but all I've heard so far is lots of "don't know what's going on here" and their attempts to vacuum the water away coupled with a "I'll come back later".  I'm removing myself from the situation because I'm just so angry with the whole thing, so I'm trying to focus on work but we'll see how productive I am today.

On a more positive note, the student loans company finally set my direct debit up correctly so that's come out today and I lost half a lb this week.  It's the little things

Ellie78

Oh no what a disaster!  I really hope they find the problem soon and you can get some sort of compensation for the water bills at the very least.