Prosperous & Creative Soul & MFW Year 3

LadyWithAPlan

Good news is that it sounds promising - having a lovely kitchen and bathroom right from move in would be great
 I am sure you can trust yourself to make the right decision. 
I have never bought but these stress levels don’t sound fun - I can understand why you were talking about staying put especially as moving costs £££

 Giving  yourself the permission to do the best for your life and your MH as well as knowing sometimes upheaval is the right thing for next steps of life 

Maybe take yourself out for a decent walk (keep warm!) and go have a coffee somewhere lovely (posh hotel lobby etc) and maybe rewrite down the pros and cons of all 3 options - staying where you are now , home 1, home 2 
get v specific on facts and feelings - what does your body do when it thinks on each option- do you tighten up or think that’d be fun 
What costs do you think are involved on each 
what the pension outcome is for each 
imagine living each  option in full - now , in 6 months, in 10 years 

TallGirl

Omg things are moving so fast I can hardly keep up. All exiting stuff sounds really good you have some clarity about the house you were offering on. I would definitely do the pro's and con's again I know they are in your head but written down is really good for clarity. 

All the best on your decision I would not worry about it all being tidy for the 2nd viewing they will be exited to come and see it so wont really notice you can always hide the mess. 

KajiKita

I agree with not worrying too much about ‘stuff’ when your buyers come over for a second viewing - just needs to be clean. 

It reads to me like this second house has brought you lots of clarity about what factors really matter to you and I quite like the fact that it needs some finishing off as that will in turn give you chance to make it your own. Shame about the garage wiring - I’d get a quote on that (at not mate’s rates 😉) to understand how significant that might be. 

My only tiny reservation (sorry!) is you mention being overlooked by neighbours when the garden at the back, I think? I thought that was a major reason for wanting to leave where you are now, or have I got that wrong? 

KK

girlatplay

savingholmes said:

Hi GAP

The issue with my vendor is that she is undiagnosed but has similar issues to me. She is very literal and has a low uncertainty tolerance. The whole process is fraught for both of us and I genuinely get her side of it. At the point I sold I wouldn't have accepted a lower offer - I might now though - especially if I manage to get some off the house I'm looking at. However - I wouldn't really be comfortable paying over the odds at the new place if my current place was also down valued.

...

Sorry, I worded that badly. I was just pondering that there might be a reason that she is holding out for the full amount and refusing to budge. Debt or negative equity, for example. I didn't mean to offend.

Anyway, you've moved on a bit since then. Our house was a 3 year old new build when we bought it last year. It was lovely moving into somewhere that was still newish with nothing needing done except some decoration. It sounds like there might be some niggly little jobs to be done at this house you are now looking at but having the kitchen and bathroom + extra toilet all to a standard that you like is a great thing. Looking forward to hearing how this goes.

LeighofMar

This new place sounds like a wonderful home. And a smaller garden is easier to maintain as we get older, plus you can always put up trees, trellises, vines to help with the overlooked part if it's a walled garden. Then you get both privacy and beauty. Did the house have the other things you wanted like the # of bedrooms, art space, natural light? The kitchen and baths being done is a real winner and glad that that's already to your taste. Either way you decide, it's an exciting time for you. And being closer to work is priceless.

beanielou

So so hope it all works out for you xx

Blackcats

Good news from your buyers (I'm glad I was wrong about them - I must be getting far too cynical)
your checklist for yesterday's viewing was brilliant and well done for getting so much clarity at this early stage.
hope you can get some time to relax this weekend 

savingholmes

LadyWithAPlan said:

Good news is that it sounds promising - having a lovely kitchen and bathroom right from move in would be great
 I am sure you can trust yourself to make the right decision. 
I have never bought but these stress levels don’t sound fun - I can understand why you were talking about staying put especially as moving costs £££

 Giving  yourself the permission to do the best for your life and your MH as well as knowing sometimes upheaval is the right thing for next steps of life 

Maybe take yourself out for a decent walk (keep warm!) and go have a coffee somewhere lovely (posh hotel lobby etc) and maybe rewrite down the pros and cons of all 3 options - staying where you are now , home 1, home 2 
get v specific on facts and feelings - what does your body do when it thinks on each option- do you tighten up or think that’d be fun 
What costs do you think are involved on each 
what the pension outcome is for each 
imagine living each  option in full - now , in 6 months, in 10 years 

Thanks LWAP. I have spent the last few days working my figures based on a £250K purchase instead of £285K. It makes a huge difference to my long term finances. I had already modelled it. I can have a 1 year emergency fund using the equity released from my sale and still put some £ into pension and some into home improvements. Really thrilled about that. I could put more down on the mortgage if they insisted but I'd rather get the tax benefits of growth in an isa or pension.

I think the 90 minutes away one was on the edge of what I could commute without wanting to stay over - and similarly family would be less likely to visit so the closer one wins on that basis too.

.TallGirl said:

Omg things are moving so fast I can hardly keep up. All exiting stuff sounds really good you have some clarity about the house you were offering on. I would definitely do the pro's and con's again I know they are in your head but written down is really good for clarity. 

All the best on your decision I would not worry about it all being tidy for the 2nd viewing they will be exited to come and see it so wont really notice you can always hide the mess. 

I have been writing a journal and formulating revised spreadsheets.

On the tidiness factor - I always think people under-estimate how messy I am... DD came over as planned and went away with a bag full of stuff so some decluttering happened. I've also put several bags of stuff into the trash/recycling. Lots left to do. I took today off and went back to the area so I could be more sure if I was comfortable with it or not. I obviously had to check out the shops and ended up in R*ng3 and spent lots of money - including on a ten drawer rainbow coloured craft drawer set. Even with that I've struggled to put all the art stuff away that was in the lounge. I bought some simpler decorations as I didn't have the energy for the main tree. I'm even considering letting it go as it takes up lots of room - and I bought a simpler one today that takes up a lot less room both when it's up and when it's boxed.

Baileys_Babe

Would Dd be interested in your main tree

savingholmes

KajiKita said:

I agree with not worrying too much about ‘stuff’ when your buyers come over for a second viewing - just needs to be clean. 

It reads to me like this second house has brought you lots of clarity about what factors really matter to you and I quite like the fact that it needs some finishing off as that will in turn give you chance to make it your own. Shame about the garage wiring - I’d get a quote on that (at not mate’s rates 😉) to understand how significant that might be. 

My only tiny reservation (sorry!) is you mention being overlooked by neighbours when the garden at the back, I think? I thought that was a major reason for wanting to leave where you are now, or have I got that wrong? 

KK

Hi KK - most of the houses I've bought have been less than 10 years old other than a 1930s semi at one point. I do like modern clean lines and the white paint throughout really looks clean and crisp. Spoke to sis about bifold doors she said they were £3K not £8 which sounds much nicer.

On the overlooked thing - I currently have multiple houses at the back directly squared onto my house which I hate as they can directly see into windows. The one on that estate is side on and the angle is wrong for seeing in I think. I've studied the photos again and drove down the street again and decided it was okay.

girlatplay said:

Sorry, I worded that badly. I was just pondering that there might be a reason that she is holding out for the full amount and refusing to budge. Debt or negative equity, for example. I didn't mean to offend.

Anyway, you've moved on a bit since then. Our house was a 3 year old new build when we bought it last year. It was lovely moving into somewhere that was still newish with nothing needing done except some decoration. It sounds like there might be some niggly little jobs to be done at this house you are now looking at but having the kitchen and bathroom + extra toilet all to a standard that you like is a great thing. Looking forward to hearing how this goes.

She wants to move with no mortgage. I wasn't offended.Yes the kitchen, bathroom and downstairs toilet all are done and seem to be done well so that's a huge plus.