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SLLM (Single Lady Large Mortgage)

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Comments

  • Sistergold
    Sistergold Posts: 2,136 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    lantanna said:
    I’ve hit the three month mark, three months til I get my house and garden lol. Hopefully it flies in. Can’t wait to get my hands on it and also start living to my new budget !
    How time flies! 
    Initial mortgage bal £487.5k, current £258k, target £243,750(halfway!)
    Mortgage start date first week of July 2019,
    Mortgage term 23yrs(end of June 2042🙇🏽♀️), 
    Target is to pay it off in 10years(by 2030🥳). 
    MFW#10 (2022/23 mfw#34)(2021 mfw#47)(2020 mfw#136)
    £12K in 2021 #54 (in 2020 #148)
    MFiT-T6#27
    To save £100K in 48months start 01/07/2020 Achieved 30/05/2023 👯♀️
    Am a single mom of 4. 
    Do not wait to buy a property, Buy a property and wait. 🤓
  • lantanna
    lantanna Posts: 4,471 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I know, this is the really really boring stage I’m in now. All options have been picked and I’m just saving and waiting. 
  • Sistergold
    Sistergold Posts: 2,136 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    lantanna said:
    I know, this is the really really boring stage I’m in now. All options have been picked and I’m just saving and waiting. 
    Save and wait 🤸🏾
    Initial mortgage bal £487.5k, current £258k, target £243,750(halfway!)
    Mortgage start date first week of July 2019,
    Mortgage term 23yrs(end of June 2042🙇🏽♀️), 
    Target is to pay it off in 10years(by 2030🥳). 
    MFW#10 (2022/23 mfw#34)(2021 mfw#47)(2020 mfw#136)
    £12K in 2021 #54 (in 2020 #148)
    MFiT-T6#27
    To save £100K in 48months start 01/07/2020 Achieved 30/05/2023 👯♀️
    Am a single mom of 4. 
    Do not wait to buy a property, Buy a property and wait. 🤓
  • Sistergold
    Sistergold Posts: 2,136 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    edited 4 May 2022 at 7:57AM
    Good morning ladies. Hope you all had a lovely bank holiday? 
    I am excited
    1. as yesterday I bought a dishwasher finally! I am now so fed up with doing dishes I just said what the hell, went online and bought one! Will be delivered in a few days! 
    I bought the fisher paykel double drawer dishwasher.
    Reasons please read copied below 
    The larger two-drawer models allow you to operate the drawers separately or simultaneously. Use a single drawer for small loads or operate both drawers for larger family dinners or parties. The two drawers allow you to separate your dishes, placing more fragile items in one drawer and pots and pans in the other. 
    Doesn’t come cheap but I hope it will be worth it. 
    Also easy slide drawers making loading easier. 
    ALSO
    2. Also buying a 70cm 5 hob cooker and extraction hood today. It will be a dual fuel stove. At present my cooked is all gas (bob/. & oven). The roast from the gas oven are delicious but it takes a bit longer to roast/bake I have found. Also I just want a bigger stove to reduce crowing when cooking. Big middle plate will also be useful for stir fry in my big cast iron wok. New electrics will be needed as new install 
    As you know my kitchen is old and does not have extraction good. Can not wait to have cleaner air when cooking. 

    3. I HAVE BOOKED FOR WASHING MACHINE TO BE MOCED IBTO GARAGE!  🦹🏻‍♀️  Means getting plumbing intro garage somehow. Will see how that goes. Since I bought house have been using the old washing machine left lady who sold house to me. It has been working fine but I am now tempted to replace it, or should I wait until it breaks down? It’s just that the newer models seem to be more efficient, steam and other benefits? I am really tempted! Either way I will let old washing machine be moved and then buy new one once all installed systems are working I think! 

    Well the dishwasher I bought out of impatience and excitement but what if the plumber comes and says plumbing can not be done in garage? Is there such a thing/situation where plumbing can not be installed at all in a place? I think worst case scenario is having a plumbing with a pump? 
    I really need assurances that no matter what washing machine can be moved! Well enough rumbling, I need the space in the kitchen to put the already on its way dishwasher! 
    Plumber will come in two weeks time as he is travelling and he is busy before then. 

    Fingers crossed. 

    Expenses 
    ~ £1500 dishwasher ✅
    ~ £1100 cooker❓
    ~£500 extraction hood ❓
    ~£700 washing machine ❓
    ~£500 Electrian to add new wiring cooker hood and hard wiring for
    cooker ❓
    ~£1000 new plumbing to garage ❓
    Initial mortgage bal £487.5k, current £258k, target £243,750(halfway!)
    Mortgage start date first week of July 2019,
    Mortgage term 23yrs(end of June 2042🙇🏽♀️), 
    Target is to pay it off in 10years(by 2030🥳). 
    MFW#10 (2022/23 mfw#34)(2021 mfw#47)(2020 mfw#136)
    £12K in 2021 #54 (in 2020 #148)
    MFiT-T6#27
    To save £100K in 48months start 01/07/2020 Achieved 30/05/2023 👯♀️
    Am a single mom of 4. 
    Do not wait to buy a property, Buy a property and wait. 🤓
  • badmemory
    badmemory Posts: 9,723 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    Is your garage attached to the house?  I am assuming it is otherwise the practicalities would be a pain.  So it should be possible, but it could be a lot of copper pipe depending on your layout.  Modern washing machines/dishwashers normally only use cold water so at least it would only be the cold pipe that you need.  New appliances also tend to use less electricity, which can't be a bad thing.
  • Sistergold
    Sistergold Posts: 2,136 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    edited 4 May 2022 at 11:53AM
    UPDATE
    Expenses 
    ~ £1500 dishwasher done ✅ 
    ~ £1100 cooker ✅
    ~£500 extraction hood ❓
    ~£700 washing machine ❓
    ~£500 Electrian to add new wiring cooker hood and hard wiring for 
    cooker ❓
    ~£1000 new plumbing to garage ❓
    Initial mortgage bal £487.5k, current £258k, target £243,750(halfway!)
    Mortgage start date first week of July 2019,
    Mortgage term 23yrs(end of June 2042🙇🏽♀️), 
    Target is to pay it off in 10years(by 2030🥳). 
    MFW#10 (2022/23 mfw#34)(2021 mfw#47)(2020 mfw#136)
    £12K in 2021 #54 (in 2020 #148)
    MFiT-T6#27
    To save £100K in 48months start 01/07/2020 Achieved 30/05/2023 👯♀️
    Am a single mom of 4. 
    Do not wait to buy a property, Buy a property and wait. 🤓
  • Sistergold
    Sistergold Posts: 2,136 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    badmemory said:
    Is your garage attached to the house?  I am assuming it is otherwise the practicalities would be a pain.  So it should be possible, but it could be a lot of copper pipe depending on your layout.  Modern washing machines/dishwashers normally only use cold water so at least it would only be the cold pipe that you need.  New appliances also tend to use less electricity, which can't be a bad thing.
    That’s reassuring, am worried about the waste pipe being able to go to the garage. Yes garage is attached but not easy I don’t think for waste pipe to go there? Cold water will be easy at least. 
    Initial mortgage bal £487.5k, current £258k, target £243,750(halfway!)
    Mortgage start date first week of July 2019,
    Mortgage term 23yrs(end of June 2042🙇🏽♀️), 
    Target is to pay it off in 10years(by 2030🥳). 
    MFW#10 (2022/23 mfw#34)(2021 mfw#47)(2020 mfw#136)
    £12K in 2021 #54 (in 2020 #148)
    MFiT-T6#27
    To save £100K in 48months start 01/07/2020 Achieved 30/05/2023 👯♀️
    Am a single mom of 4. 
    Do not wait to buy a property, Buy a property and wait. 🤓
  • HelloB
    HelloB Posts: 60 Forumite
    Fourth Anniversary 10 Posts Name Dropper
    Agree with @badmemory, if it's an attached garage it's a case of drilling through and copper pipe out.  Normally don't need a pump, the cold water should have enough pressure delivering water to the washing machine.  And the washing machine will pump waste water out, if it's not flowing back to the main waste pipe adequately due to a shallower angle, then place the washing machine on top of some slabs.  Shouldn't cost £1k.

  • Sistergold
    Sistergold Posts: 2,136 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    edited 4 May 2022 at 4:45PM
    HelloB said:
    Agree with @badmemory, if it's an attached garage it's a case of drilling through and copper pipe out.  Normally don't need a pump, the cold water should have enough pressure delivering water to the washing machine.  And the washing machine will pump waste water out, if it's not flowing back to the main waste pipe adequately due to a shallower angle, then place the washing machine on top of some slabs.  Shouldn't cost £1k.

    That’s reassuring, 
    the plumbing and washing machine at present is on wall A in kitchen, washing machine to go to wall B in garage. Distance between A and B is about 5-6m? Just seems tricky? Running cold water is not the issue I was asking about but getting rid of dirty water 

    Initial mortgage bal £487.5k, current £258k, target £243,750(halfway!)
    Mortgage start date first week of July 2019,
    Mortgage term 23yrs(end of June 2042🙇🏽♀️), 
    Target is to pay it off in 10years(by 2030🥳). 
    MFW#10 (2022/23 mfw#34)(2021 mfw#47)(2020 mfw#136)
    £12K in 2021 #54 (in 2020 #148)
    MFiT-T6#27
    To save £100K in 48months start 01/07/2020 Achieved 30/05/2023 👯♀️
    Am a single mom of 4. 
    Do not wait to buy a property, Buy a property and wait. 🤓
  • badmemory
    badmemory Posts: 9,723 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    Where are your outside grids?  I'm guessing near the kitchen window but what about round the garage, maybe water draining off the roof?
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