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julicorn's journey 2 - Moving Up

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  • beanielou
    beanielou Posts: 92,125 Ambassador
    Debt-free and Proud! Home Insurance Hacker! PPI Party Pooper I've been Money Tipped!
    I LOVE everything about it.
    It's actually very me.
    Love the colours & the light.
    The telephone box in the garden  :love:
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Sistergold
    Sistergold Posts: 2,039 Forumite
    1,000 Posts Fifth Anniversary Photogenic Name Dropper
    edited 7 February 2022 at 10:29PM
    @beanielou, please don’t feed @julicorn’s imagination with regards to that house! She needs to keep an open mind. It’s really nicely done for sure, just on the tight side! Even without the children a guest bedroom and a dressing room for now might be nice so 3 bedrooms at least? Kitchen with loads of kitchen units? I know @julicorn loves to bake bread? I am now curious how many bedrooms you will get @julicorn! 🥳
    Initial mortgage bal £487.5k, current £266.8k, 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. 🤓
  • Aww I love it!! I lived in a terrace of a similar size (nowhere near as nice) and it worked for me. It wouldn’t work for me now with a family though. 
    Well done on the offer! 
    MFW 2021 #76 £5,145
    MFW 2022 #27 £5,300 
    MFW 2023 #27 £2,000
    MFW 2024 #27 £2,625 / £3,600


  • julicorn
    julicorn Posts: 2,297 Forumite
    Sixth Anniversary First Post Photogenic Name Dropper
    beanielou said:
    I LOVE everything about it.
    It's actually very me.
    Love the colours & the light.
    The telephone box in the garden  :love:
    If we end up getting it, you're definitely invited to the house warming ❤
    Original mortgage: December 2017, £203,495
    MFW start: April 2018, £201,800
    Mortgage neutral: September 2022, mortgage redeemed: December 2022
    New house, new mortgage: December 2022, £276,007
    Current balance: £215,400 minus £10,300 overpayment savings pot
  • julicorn
    julicorn Posts: 2,297 Forumite
    Sixth Anniversary First Post Photogenic Name Dropper
    @beanielou, please don’t feed @julicorn’s imagination with regards to that house! She needs to keep an open mind. It’s really nicely done for sure, just on the tight side! Even without the children a guest bedroom and a dressing room for now might be nice so 3 bedrooms at least? Kitchen with loads of kitchen units? I know @julicorn loves to bake bread? I am now curious how many bedrooms you will get @julicorn! 🥳
    Haha, I need all the different opinions, not just the voice of reason 😂 I do love making bread that's true, but you should see our current kitchen (it's genuinely about half the size, and my bread is still pretty fantastic). I wouldn't turn down a dressing room though. 
    Original mortgage: December 2017, £203,495
    MFW start: April 2018, £201,800
    Mortgage neutral: September 2022, mortgage redeemed: December 2022
    New house, new mortgage: December 2022, £276,007
    Current balance: £215,400 minus £10,300 overpayment savings pot
  • julicorn
    julicorn Posts: 2,297 Forumite
    Sixth Anniversary First Post Photogenic Name Dropper
    Aww I love it!! I lived in a terrace of a similar size (nowhere near as nice) and it worked for me. It wouldn’t work for me now with a family though. 
    Well done on the offer! 
    Thank you! And was it just you on your own when you were living in a house that size? 😊
    Original mortgage: December 2017, £203,495
    MFW start: April 2018, £201,800
    Mortgage neutral: September 2022, mortgage redeemed: December 2022
    New house, new mortgage: December 2022, £276,007
    Current balance: £215,400 minus £10,300 overpayment savings pot
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    First Post First Anniversary Name Dropper
    julicorn said:
    beanielou said:
    I LOVE everything about it.
    It's actually very me.
    Love the colours & the light.
    The telephone box in the garden  :love:
    If we end up getting it, you're definitely invited to the house warming ❤
    Me me me!  I want to come  :D 

    There is one other practical question - you won't get any traffic noise, of course :) but how are you on neighbour noise?  What are the party walls like?  In my current house, the walls between each room are nice and solid, but the party wall (its semi-detached) might as well be made of tissue paper  >:)
    2023: the year I get to buy a car
  • julicorn
    julicorn Posts: 2,297 Forumite
    Sixth Anniversary First Post Photogenic Name Dropper
    Karmacat said:
    julicorn said:
    beanielou said:
    I LOVE everything about it.
    It's actually very me.
    Love the colours & the light.
    The telephone box in the garden  :love:
    If we end up getting it, you're definitely invited to the house warming ❤
    Me me me!  I want to come  :D 

    There is one other practical question - you won't get any traffic noise, of course :) but how are you on neighbour noise?  What are the party walls like?  In my current house, the walls between each room are nice and solid, but the party wall (its semi-detached) might as well be made of tissue paper  >:)
    You are definitely also invited! We'll have to have an MSE MFW get-together, but it will need to be on a sunny day because the garden is the only real entertaining space, haha!

    Also, keep the practical questions coming, it's super useful! As a couple we've only ever lived in flats in terraced houses, so had lots of neighbours of varying noise levels basically. We tend to not mind hearing our neighbours aside from if they're having parties every weekend... It might also be that we've been pretty lucky with our neighbours so far - it's always been older properties with 0 noise proofing, but the type of noise they've made (listening to music, some fairly off key singing, walking around) hasn't bothered us. Quite hard to tell when you're only viewing a house for quarter of an hour I bet. We always make a bit of a point of trying to meet the neighbours before we move somewhere though, they should hopefully know what it's like. 
    Original mortgage: December 2017, £203,495
    MFW start: April 2018, £201,800
    Mortgage neutral: September 2022, mortgage redeemed: December 2022
    New house, new mortgage: December 2022, £276,007
    Current balance: £215,400 minus £10,300 overpayment savings pot
  • julicorn
    julicorn Posts: 2,297 Forumite
    Sixth Anniversary First Post Photogenic Name Dropper
    I do wonder what the deal is with planning permission for building a garden room in a conservation area, when it's not a back garden... And also getting permission to run some sort of electrics from the house under a public footpath might be a bit of a challenge. Hard to tell! If anyone has experiences in that area, please shout :joy:<3 
    Original mortgage: December 2017, £203,495
    MFW start: April 2018, £201,800
    Mortgage neutral: September 2022, mortgage redeemed: December 2022
    New house, new mortgage: December 2022, £276,007
    Current balance: £215,400 minus £10,300 overpayment savings pot
  • Sistergold
    Sistergold Posts: 2,039 Forumite
    1,000 Posts Fifth Anniversary Photogenic Name Dropper
    edited 8 February 2022 at 2:26PM
    Being in a Conservation area is the bane of my existence too. The only good thing is you kind of know that all of you are held back in what you can do so neighbour will not be able to suddenly do something outrageous without getting some go ahead first. I think a “shed/garden room ” is allowed without permission is what I have gathered. I am hoping to build a brick storage shed to replace the wooden one that’s there at the moment. Asked neighbours if I need permission before doing it they said no need.🤷‍♀️ One neighbor still did an application to add a shed he said he was being cautious. One neighbor has done an office/garden room and not applied for permission, 🤫. 
    I think if it’s not in the back garden then there is higher chance of it being tricky as it might stand out. Them planners seem to not mind if it will not change the outlook of the street. Check if there is precedence? If no precedence and it’s front garden then take it, it might not be allowed and so if it’s critical to for you to do it then don’t buy that particular house? 
    Initial mortgage bal £487.5k, current £266.8k, 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. 🤓
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