In the Meantime

mark55man

Glad to see things progressing well for you DIA!!

doingitanyway

jwil said:

Glad you had a nice time at the concert!

Hope you can find a good quote for the level 3 survey.

Thank you 

MovingForwards said:

Can't remember if the docs you have from the seller details changes to the property, if so scan / photo the relevant sections and send them to your surveyor as they can cross ref the info against the property, anything not disclosed can be used as a bargaining tool for the seller paying for indemnities etc. I believe all surveys cover subsidence as they're geared up more for mortgages than cash buyers.

The gig and opera were much needed and appear to have increased your spirits.

Thanks 

I don't yet have details of changes to the property. I have just asked the solicitor to request these so the surveyor has access to them next week. 

Good point re the survey and subsidence. 

mark55man said:

Glad to see things progressing well for you DIA!!

They are Mark. Fingers crossed!

doingitanyway

So, what is going on?

I keep doing sums of the house buying process budget and the ongoing budget once there. 

The (hoped for) house is bigger than I expected to buy. In one way it is more to upkeep. On the other hand it opens up possibilities, so I should be able to build a decent house fund once I get going. 

I looked at statements today and realised most of my spends are food away from home, coffees and teas away from home and transport. Those costs will grind to a halt once I'm in the new place. 

I have seen the consultant. I am still in the system and on the list for a procedure in the next few months. However, I have improved a lot. I am no longer in constant pain. I am not taking meds of using heat pads. The hope is I will not need surgery.   I had osteopathy today. The osteopath also thinks surgery will be unlikely. It is so nice to be pain freeish... but I will never forget it and will renew efforts to remain fit and well. Being painfreeish has improved my spirits. I now have an alarm on my phone that goes off on the hour to encourage me to move, stretch and drink water.

A positive post from me today.

Hoping everyone is having an ok day

beanielou

Woohoo to be pain free.

jwil

Brilliant news about being mostly pain free!

doingitanyway

beanielou said:

Woohoo to be pain free.

jwil said:

Brilliant news about being mostly pain free!

Yes, and the same today so definitely on the up 

Skint_yet_Again

So pleased for you. All sounding positive 😊

savingholmes

Glad things have turned a corner for you.

doingitanyway

Skint_yet_Again said:

So pleased for you. All sounding positive 😊

savingholmes said:

Glad things have turned a corner for you.

Thank you both 

Today the surveyor has been paid. I did this from cash flow, without sacrificing savings.

I emailed my solicitor about electricity and gas safety certificates, as they claim to have put in a new boiler and part electrics...I also asked how to access the void beneath the house as the surveyor wants to inspect.

I am scared of not having an emergency fund so I am pushing to have at least £1,000 ready for any eventualities. I don't have a washing machine so will need to buy one and pay to have it plumbed in too. It would be great if I could have that money put by in addition to my emergency fund. I also want to keep my credit card clear so that is also a safety net in an emergency

Generally, I want to keep £100 in a buffer zone as I found when I had that it was so helpful in not going overdrawn or having to do complicated shuffling.

A week to go until the big reveal (the survey) If that goes well, I will turn my attention to removals costs.

Wishing everyone a good weekend

jwil

Great that you've been able to pay for the survey without using savings.  I agree that life feels much more comfortable with a £1k emergency fund.