Room For Two

tori.k

Transferred the deposit and fees and paid up for the buildings insurance, everything done our end just waiting on the vendors to sign there end now, I think its taken everyone by surprise how fast this has gone as we only first viewed the house on March 5th.

I'm feeling slightly better about such a hefty mortgage we know we can currently comfortably over pay £300 a month which is basically the monthly interest so effectively the £630 monthly mortgage payment will be coming off the capital.
I had over estimated the fee's for the house so in a better position then I thought I we were going to be I was tempted to use this money to buy the bits like wardrobes that we can do with but decided to stick to plan and just be a little ahead of ourselves.

Another £48 on a couple rolls of wallpaper leaving me £11 in my decorating budget till the 25th but enough jobs to be getting on with, £100 spent at Ikea for a cheap sliding wardrobe, it has frosted plastic panels on the front so thought i'd cover those with the same wallpaper as the wall behind the bed a bit make do and mend but nobody but us is going to see them and they will do the job.

Current house is a pigsty, first of the dump runs has been done this morning. DH & DS promise to get all the charity shop bits gone on Saturday as im back to work tomorrow until next Monday and will honestly be quite glad to get out of the mess

tori.k

I'm currently in the I hate the new house phase of our move as the place turns up the niggles that are in part expected but hoped that stay hidden.
its all cosmetic but just takes time we don't have.
Everything is such a mess everywhere and we have a week left to get sorted as we have to officially move in next Saturday as DH is off for a works training course the week after.
Money wise £40 over my £100 decorating budget but that resets on the 25th and have plenty (to many) jobs to before then that it will balance out.
I was hoping DH would have managed to get some paint on the bedroom walls yesterday, that didn't happen but the woodwork been done in all bedrooms and I painted one of the ceilings after work last night so hopeful to them done today.

Lauralou79

Good luck with the big move.

beanielou

Hope all goes well with the move.

tori.k

Thank you both.
We finally made the move out of the rental (just) will admit the air was blue at times.
The budget temporarily headed straight out the window and we are going to need three months to properly square ourselves up, so will just round up the mortgage payment by £70 so I feel we are moving forward from the start but we are not to the point of eating beans on toast every night.
There is enough DIY to keep us more than busy, so will give us chance for the accounts to catch up with the spending.
Next biggest job is to get the loft boarded out to take the stuff that is moved from one attic to another that should be disposed but for some reason im still dragging from one house to another.
as im at the point of now just moving things from one pile to another pile due to lack of storage its probably a good thing that im back on shift for the next four days and DH will have the weekend to get some jobs done without me moaning about the mess

tori.k

Wow things didn't really go to plan as they never do, we've been in now 6 months overpaying the mortgage has yet to happen (just rounded up)
A few weeks after moving in the boiler packed up, eldest son moved home and we found out the bath overflow wasn't connected when water started pouring in the living room.
At that point I wanted to move out but DH talked me into throwing the plan temporarily out the window and getting the place sorted so we had months of scrubbing and painting new carpets laid, every room barr the downstairs WC (next weekend) has been decorated for a second time this year, and I have my new sofa.
The hard landscaping has been done at the front to add an additional parking space and as we stuck to adding nothing on the credit cards we
still have to save for a new kitchen but that's very much a want not a need.
I did also manage to save a reasonable emergency fund but im now very much behind on the mortgage plan.

Good news is with 6 months of living here we have a better idea of how much this place cost to run, which with luck is pittance compared to the last house what we have saved in fuel and council tax and other bills from living in a more energy efficient house is pretty much covering the running costs so I can still catch myself up, if I don't get myself any further behind.
I need to find £119 a week I have £80 of this so only need to find £39 out of my household spending. im sure I can do that.

greent

I think that with moving costs and all the other costs re bath overflow/ boiler etc you're doing fine - £70/ mth OP is no bad start

tori.k

Thanks for the encouragement Greent

More disaster afoot as the built in oven has packed in i've order another thermostat at almost £60 im hoping that will sort the issue, DH has the mindset of rip it out and replace as its a single oven and i'd much prefer a double for ease but I'd rather wait the couple of years until we do the kitchen refit.
Seems there is always something but in fairness its is a decade old.

I made a £65 PA saving with renewing the phone line on a 12month saver and reducing the phone & broadband costs.
We already run quite a tight ship grocery wise, but will look to reduce a little I now have better access to supermarkets but have tended to just use the sainsburys as its closest so will make more effort to shop the bargains at the other supermarkets.
I do have to curb my enthusiasm a bit with DH he thinks im nuts with the interest rates low and fixed to be so concerned with big overpayments but selfishly as much as I love my job im already more than ready to move from full to part-time and with our life insurance so heavily loaded this can only happen near the end of our mortgage term.
so lets get it over with

tori.k

Cooker fixed in theory we should be good for a couple of years as everything that could have gone wrong has done and been sorted.
DH is showing some solidarity with overpaying the mortgage from January He's freeing up a little extra but for this I have to put on hold the new kitchen until after we remortgage in 2023.
As we can overpay the 10% without charges Its making the most of having the higher debt level, he still thinks im nuts as it make no sense with our current interest rate, but understands happy life happy wife, so he's rolling with it
On paper we should be able to reduce our balance by 1k a month but reality often has different plans but will give it a good go. we've created a daft little ceremony (splitting a bottle of Penryn ale with dinner) for every 1% of the mortgage paid off for a bit of fun, we are on a race to be paid off before they stop brewing it.

selloptape

Love the idea of a celebration each time a percentage is paid off