Prosperous & Creative Soul & MFW Year 3

savingholmes

Thanks GAP

I have very little I'd consider monetarily valuable so labels on the outside wouldn't really be an issue. Anything I'd consider remotely valuable like work and personal laptops and a tiny bit of jewellery I'd transport myself. Between them I'd expect their value to be between £1-2K tops. I only really consider unique things valuable - like art work that I've created or a couple of bought Tiffany stained glass style lamps which would be hard to replace.

I chased the searches but they aren't yet ordered which is annoying. One of them (water) is currently taking 5 weeks  so that could scupper a January move unless I insure against the risk and proceed without it which not all lenders allow and it doesn't feel the best idea. It would be better to go into the purchase knowing everything. However, my buyers said they would only order searches once they got their mortgage offer so they may only be a week ahead of me - although searches in this area are coming back much quicker than where I'm moving.

This weekend I want to finish DD's portrait - and maybe redo DS's pupils on his. I need to change into clothes I don't mind getting paint on and get back in the groove. Once I've done theirs - I can see if there is any time to make any for anyone else now I have a better idea of how to paint skin colours.

I'm seeing DD tomorrow afternoon for a meal after a quick trip to an outlet mall where I'm hoping to find some soft trousers (as opposed to leggings which I mostly live in).

I'm going to ask for next Friday off - I've marked it in my calendar but not emailed my boss yet. Baby steps!

skint_spice

Hope the survey goes well🙏

savingholmes

Thanks Skint

Just laughing at myself. Got out of bed, pulled last week's bins out of the way and put the bin out thinking it was Monday. I was a little confused no-one else had so checked bin calendar. I saw I have another collection for a different bin as well later this week due to Xmas changes. Only then did I twig the reason no-one had their bin out was that it was still Sunday. Good news though I fit extra 3 bags in by squashing stuff down.

Met up with DD yesterday. Was nice. Nipped to two outlet shops. Got two pairs of trousers and 2 tops for £56. Happy. Now need to part with some tatty ones. Will probably wear 2 of the items Xmas day so happy about that too.

Still struggling with DD's skin colour in portrait not helped by the fact she wore foundation on the reference photo. It looks a lot more like her than my previous attempts. Hope to finish that today and tweak DS' one.

Need to list fridge freezer and try and clear space and get money in.

Need to continue wrapping. Bought more tape yesterday.

WelshmansDaughter

I would imagine there are many buyers in Scotland reading these things with eyes wide open 🤯
I bought a 2 bed flat which obviously has less to factor in but it was as simple as offer, highest bid, accepted, measuring visit, sign paperwork, keys. 
I think if I was selling a property down south I would just a survey done myself and offer it to viewers, it would save so much negotiation.

savingholmes

Hi WD

I get your thinking 🤔🧐 but I doubt it would work here unless everyone did it. My buyers didn't get a proper survey but could have haggled more if they had. It therefore would not have been in my interest to help them with that and mortgage companies require surveys to be within certain dates too...

beanielou

In Scotland by law the survey is done before selling & everyone has access to it from day one. 

Obviously it also has the valuation price on it. 

savingholmes

Hi Beanie

Yes - however I've also heard of people who have spent years trying to buy in Scotland as with the sealed bids system for some purchases they keep missing out. I don't however like the system elsewhere in the UK either. I'd prefer it all to be more upfront, quicker and smoother.

I ended up distraught at the start of today as I locked myself out of one of my online banking apps and it said I had to ring the helpline to fix it. One of my disabilities affects how I remember numbers (and passwords) and how I input them - plus I hate change - and this banking app had forced me to change my details the other day in a shop twice when all I wanted to do was check my balance - and then multiple times today when all I wanted to do was transfer some savings. I ended up sobbing on the phone to the poor guy at the helpdesk as even when I was trying to type in my long card number I kept getting it wrong - and then when I was at the final point the phone screen would go blank and make me restart the process. I felt so helpless and frustrated. 

I think part of the issue with the number - is I'd think I was typing it in correctly - but because it's a smart phone where I was pressing didn't line up properly - I think they call it 'tracking' so even though I was saying the numbers in my head as I typed - somehow I still pressed the wrong ones. I waited to calm down and then eventually I managed to do it on my laptop instead. I've got them to make a note on my file though - as being forced to change my password to something I can't remember unless I write it down is pretty pointless.

However, I 'took back my power' and resolved it in the end. I transferred £175 to savings. I then listed the fridge freezer and as KK predicted it sold within an hour and I'm now £50 richer. Very happy with that as I nipped into BnM and HB recently and spent more than planned with not a lot to show for it and that money will give me more wriggle room and still support moving related savings. My clothes shopping yesterday was in budget though. 

I'm doing a new portrait of DS based on the same picture but trying to take the skills I've learned over the last few months and apply it. Really like how it's going so far. It's a lot easier this time. I may therefore leave DD's one as it was from yesterday and just try and make a new one and see what happens. I am back on an even keel MH wise and wonder whether it was just all the uncertainty and sleep deprivation of recent weeks catching up with me. Hopefully I've now cleared it out of my system and things will settle back down. Making art definitely helps. I neep to nip out in a little while for some milk but other than that I'm likely to paint most of day. 

I've been doing washing through the week - it seems to have multiplied recently. I've washed the bedding from DD's bed and from the spare bedroom this week as well as my clothes and probably a few displaced during my decluttering and sorting activities. When DS is home I'm hoping he can go with me to the tip to get rid of the spare mattress. DD's old mattress stains have improved since whatever the cleaner did on Monday so I feel a bit better about that in relation to leaving it for my buyer. I will put a mattress protector back on it anyway. I need to review whether there is anything else I'd want to list that could become someone's Christmas gift... Will keep looking.

jwil

sorry about the banking drama, glad it's all sorted now.  Well done on selling the FF.

TallGirl

It phone helplines are always stressful well done for getting it sorted. Fab news about the fridge freezer one more task done. 

badmemory

I hate it when they ask you to change passwords & a long time ago I actually used to change them.  Now I change them to the same one.  I must have done this at least half a dozen times now & none have failed/caused me problems.  Sometimes I think they are just checking you are compus mentis (sp).  Well done for dealing with it.  I have had a few sites I have been on for a long time that are now saying my passwords aren't long enough or don't have enough weird characters so I just add something on the end.  Some I just feel like saying - don't like my password bye bye you really aren't that important.