Prosperous soul in the making

MovingForwards

Sounds wonderful and you will savour each hour.

hugglemonster

Wow so busy it must be nice to see everything starting to take shape and develop through a difficult period. 

The trip to London sounds great, even better that you can see family and stay for nothing.

Have a good week, H x

savingholmes

Finished shed. Cropped picture as other half had reflections of me and house.

Thanks MF and HM. I am someone who always feels the need to grow and see progress. The shed while not perfect looks better than before. 

I also used Ex's handheld hoover on bird feathers, skeletons and yack that he failed to clear even before I mentioned divorce. Things like that cement for me that I am doing the right thing. Unlike him I have then washed out the filter etc...

I had better get back to work

Grogged

Lovely window, almost looks hands painted.

I was thinking of seeing a delux counselor for my paint phobia...
(I'll get my coat! 🤣)

jwil

That looks fabulous!

savingholmes

Grogged they were proper Dad jokes - I should know - my Dad is king of them

Thanks Jwil

I have been sulking for the last couple of hours following news of the mortgage valuation. They did an automated computer valuation and gave the house a value of £253K not the £270K I hoped for or £260K I saw as worst case. Gutted doesn't begin to describe it. Their automated decision - there is no appeal - means an extra £50 pcm cost due to higher interest rate. It's doable it just makes the budget a lot tighter. I can't renegotiate with Ex - as his view is just put it on the market then it would easily get a higher level... I can't blame him for that as I agree... While seriously upset - it's not the end of the world - it's just irritatingly unfair. Next door sold for £270K a year ago - they did not have £17K of improvements compared to us - and it's been a rising market for the last year since. Because no human is involved and they didn't visit - they can't even see the improvements I've been making...

On a more positive note - if I accept the valuation - and because I want to borrow up to age 73 I have a smaller choice of lenders available - then I think I am practically at mortgage offer point. They'd still need to do all the legals - I don't think they've started any of that yet.

I spoke to one of my sisters last night and she offered to give or loan me a couple of grand. She insisted I gave her my bank details and said the £ would be there on the 8/10. I was really shocked / pleasantly surprised. I am planning to see her and another sister when I take DS down to London so we can discuss it face-to-face. If it did end up being a gift it would give me a start of an EF & / or allow me to clear my 0% CC debt quicker and take some pressure off.  

I need to do some work tonight - as after the shock of the mortgage valuation I logged off early - so I need to go back on and finish an urgent job.

savingholmes

Lit up... 

Fortune_Smiles

Sorry to hear about the mortgage disappointment SH.  I've always found anything to do with buying out/buying/selling houses a real emotional roller coaster.

Shed looks beautiful - very creative.

Fortune x

Tahlullah.H

So sorry to hear about the valuation savings.  It is really annoying when 'the computer says no' and you have no choice but to accept the decision.  But, great news about your sister stepping in to help.  Its great when family come through for you like that.

And the windows look really good in the shed.  It's a shame the mortgage company didn't come and observe with real eyes.  But the sale price is based on what someone is willing to pay, not on what the mortgage company may have lent them to purchase.

Stay positive.

Grogged

Love the shed, hate the valuation.
How generous of your sister.