Buying a little piece of Middle England; Manifesting my way to mortgage free.

HotDog2020

Are you having second thoughts about your chosen house I am hearing? It is not too late to back out, you have other choices I am sure? Is there a big garden where you could put a decent storage shed (you can get these second hand)...don't get rid of items you want you will most definetely regret, you will find a new home...but if you are having second thoughts..maybe talk it over with DP? I hope you make the choice that is right for you all.

~FlowerPot~

Wowsers you move so fast I can't keep up! It's it too late to suggestif you going to use storage you could put some of the larger pieces there until there is room for it after the upgrade! 

debtfreewannabe321

Morning all
@HotDog2020 noooo no second thoughts! The house is in the location we want and that is all that matters at the moment to us. It also has an extra bedroom upstairs and technically the floor plan suggests it should have same space downstairs but whoever did the extension that is there already kinda did the cheapest job they could I feel. It wasn't finished properly, i.e they opened up a room to open onto the conservatory but left the external wall still in place which takes up lots of space because it is an awkward shaped wall. Also I think there is just a lot of clutter and perhaps I am struggling to see the real size of it because the floor plans suggest it is similar sized to ours. The difference with ours is, we have gutted it. We have brightened it up, and put furniture in that fits well. The house we are buying there are sofas in the middle of the room taking up floor space, the front room is very small (think 1930s semi) and we are buying with the absolute intention of doing renovation and build work. It is next to a very affluent road on both ends of it, so I know the house prices will continue to rise there as they are bigger than the new builds round the corner. Also we lived around the corner before so know the area. Thing is DP & I are kind of playing catch up. He didn't take a lot from his divorce, I didn't get a lot from my divorce either, and we have been together around 5 years now. We started off in my old house which was a starter home by all accounts, the smallest on the estate and too small for all of us. We upsized to this house. And to be able to afford to upsize we had to move out of the city. We couldn't afford to stay and upsize it would have effectively meant doubling my mortgage at the time to around £160k. So we kind of did a hop, skip and jump over here with every intention of doing it up and moving on. It has all just happened a little quicker than we thought it would. We gave ourselves 5 years not 2 The house we are buying was out of our price bracket a couple of years ago and the houses all done up on the street are selling for up to 90k more than we have hopefully secured this one for..... which we can't afford. So I may moan a lot in the coming months, even years, but I will be absolutely grateful and have much gratitude that we are even in that location again in a house more suitable on size! And with a mortgage only at approx 123k...thanks to the renovations we've done so far on this and the last house our equity is good now. Also the garden is huge compared to this one with a drive for 4 cars so outside space is amazing meaning we can add an extension easily. Ahh sorry I do ramble on a bit....but no second thoughts

@~FlowerPot~ Yes I was wondering if to put one of our larger sofas there as well as books etc. The kids never sit with us anyway really so we rarely need two sofas. I have 3 sofas actually...one is in my room too and I also have a large dining bench so maybe I should think about that. We were hoping to keep the costs down and get the smallest storage locker possible but there isn't a lot of space there as it is.

debtfreewannabe321

We have been down to the solicitors so we could do the I.D checks in person. We are still waiting on PB to issue a memorandum of sale for the purchase property. DP actually rang the PB estate agent last night. We had his contact details after he came out to do a valuation for us. So we spoke to him direct rather than through their main channels. He has promised to chase it up today so our solicitors can have a copy.
All very exciting

I am trying to keep my excitement to myself in real life as my best friend is just starting her cancer treatment today and is understandably upset so I didn't want to tell her how happy I was feeling. It felt wrong to do so. My sister is also struggling at the moment too with her DP being ill and his nan is on end of life care so they have been down to London to see her to say goodbye....and I feel I have only DP who cares about me jumping up and down......hence why I am probably oversharing on here sorry....!

Someone has come out to put a big red SSTC on our sign outside our house another thing ticked off the vision board. We are now working on visualising the chain moving forward easily and with no stress.....first the top of the chain needs to find somewhere though - but we have spoken to him at length and he is not fussy too much he is also after right location and price more than anything. And there seems to be plenty in the area he is looking at so we are hoping by next week he has somewhere.

The weather here started off nice, it has now clouded over so much it is dark pretty much so expecting rain showers any minute....glad we have already walked into town and done what we needed to. I think heating is going back on. I am going to find a record or cd to sing along to whilst I carry on working through my decluttering list. I also have a fixtures and fittings form to fill in as I go around. Plans are to do the garage by the end of June so I can pack it all away and have floor space in there to begin my packing in July Very grateful I am no longer at work so I have time to do this! Not a NSD needed a stamp and chocolate (definitely a need -honest) whilst in town.

debtfreewannabe321

Sent my first payment over to start property searches today. I forgot that needs to be paid up front. I took it out of a savings account I have attached to my main account. It is money put aside for next month from bonus money. I will just pay less into my EF next month and account for the property searches in that so will be a small payment to EF next month I think. 
I sold a mirror on FB today and also a camera I listed only this afternoon- was picked up in an hour. £50 over to the EF (well it is actually in an envelope in cash but counts towards EF). I also have £11.91 winging it's way to me from surveys and then to EF. So I am up to, £2440.07 now on the EF  
I wonder if I can make it to £2500 this month. I still have a fair few bits up for sale so it is possible. Any smaller items that haven't been sold by weekend I will take to the charity shop I think as they are starting to take over the garage now. As I declutter, I take pictures, list and then move to the garage......and if they don't sell they are taking up space. I will keep hold of the bigger ticket items though and keep trying to relist them. 

I collected DD early from school everyone who finished their exams feigned sickness or a dr's appointment. She asked me to call up and make up a lie but I know the lady on reception so I wasn't going to lie to her. I went in and collected her in person and they didn't say anything. I don't understand why they try to keep them at school when they have nothing to do. It is silly, all my friend's kids seem to have study leave in between exams. So anyway, we made popcorn and watched a movie and I asked her to bring down any paperwork she wanted to burn........I think I will be here forever trying to burn it all in the log burner there is about 50 workbooks and countless bits of paper. I will do it over a few days. 

I've filled out the form for fixtures and fittings and property information pack so they can get started on the contracts for exchange. I will drop it off in town when DP fills in his little bits...I wasn't too sure on some of the jargon and requests so left it for him to work out The guy selling to us has messaged DP asking if we would like a delivery of logs left at the house when we move in as he gets them free from work- umm yes please! Still waiting on the memorandum of sale from his property but things are progressing okay
Just jacket potatoes and salad for dinner with cheese for kids and beans for DP & I nice and easy.

debtfreewannabe321

Oh and with the £135 paid today that was technically part of the £3800 I needed to save...so now I only need to find £1360  £1225 in a couple of months...this could be doable as we have at least £400 worth of stuff up for sale still as well as usual savings and cutbacks elsewhere. But if not, that's not a lot to put on a CC interest free so I am not stressing it too much. 

beanielou

All sounds good 😌 

redofromstart

I have to say that from what you have said your planned buy is the right place, and a house you can make right in time, and you are doing the sensible thing with stuff. 

MovingForwards

Just caught up and congratulations finding a new home and buyer for yours.

Be very careful taking on new credit before completing the purchase as your MIP is based on current income, outgoings and debt. Personally I'd say keep saving and selling things.

Turn your readings, past life etc into a paid sideline as there's a lot of calls for good people, develop it further after moving.

LadyWithAPlan

It is all very exciting! And we are all happy to hear you jumping up and down 
when I finally buy I will no doubt be equally as focused on the small details 


the idea of a second hand storage unit in the garden in the short term or maybe you can stick your excess in the garage ?