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The Ongoing Saga of Ruby Trying to Own A Home

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  • Well I wrote a really long update yesterday but looks like I didn't actually post it 😆

    My dad had his surgery on Friday - it was a very stressful day but thankful that everything went well (we think) and he's back home.  Did have a slight hiccup yesterday where a paramedic had to come out and review his wound but apparently it's all fine.  Now he has to just relax for 2 weeks but I think he's already going a little stir crazy 🤣

    While I was away, DH cleared more of the garden and stripped half the wallpaper in the main bedroom.  We also finally got a quote back from builder number 2 who we're going to go with as he's highly recommended by a close friend (who is very particular about how things are done) and his quote was less than £100 more than builder number 1.  So after 4 weeks of being here it looks like we're in for a busy few weeks!  Currently waiting on British Gas to come out to do a survey and give us a quote for a new boiler install - we already have a couple of quotes from some other companies that DH found so will have to weigh it all up this weekend (as well as trying to find tiles for the bathroom!).  

    As it was payday yesterday, I tried to make an OP to the mortgage but have somehow locked myself out of my mortgage account and now need to wait for the replacement passcode to be sent out 🙄  Did manage to renegotiate the virgin media contract so we're paying £3 a month more but we've doubled the speed, which is a lot better than the £20 a month extra they wanted to charge me 😳 
    Emergency Fund - £8572.39 / £10,000 :: Mortgage OP 2025 - £
    LISA 24/25 - £3200 / £4000 :: NSD 2025 - 2 / 150 :: Books Read: 1 / 52 :: Decluttering - 4 / 1000
    Engaged 9th December 2010 :: Married 29th October 2015 :: Bought a House 13th January 2017
  • beanielou
    beanielou Posts: 95,347 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Glad that your dad’s surgery went well. 
    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.
  • Hope your dad now recovers fully. The boiler early replacement sounds like it’s not all bad 

    My DS and I both had working sinks in our bedrooms as teenagers - incredibly helpful a we got ready there as opposed to the main bathroom etc 
    DON'T BUY STUFF (from Frugalwoods)
    No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff.    Money doesn’t walk out of your wallet on its own accord.
    https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest
  • Thank you @beanielou and @LadyWithAPlan - me too!

    And I can see why the sink in a bedroom is popular and would probably be good for guests we have but it is absolutely huge (think massive Victorian style) and takes up a third of one wall.  Plus DH doesn't like having it in the background of his video calls for work 😆

    Well that was a short and sweet visit from British Gas - turns out the water pressure isn't good enough for a combi boiler so there goes that plan.  The current boiler isn't that old and is in good shape so looks like we'll be keeping it for a little bit (and maybe squirreling away money to cover a replacement in about 5 years).  The main drive for this was the hot water tank in the bathroom is limiting the size of bath we can have and plumber advised just trying to get rid of it and go for a combi instead.  BG guy said he thinks it would be easier to move the tank to the other side of the existing airing cupboard to then give us a little more space so DH's going to ask the builder his opinion now 😆
    Emergency Fund - £8572.39 / £10,000 :: Mortgage OP 2025 - £
    LISA 24/25 - £3200 / £4000 :: NSD 2025 - 2 / 150 :: Books Read: 1 / 52 :: Decluttering - 4 / 1000
    Engaged 9th December 2010 :: Married 29th October 2015 :: Bought a House 13th January 2017
  • We want to move our boiler as it takes up lots of space in our bathroom airing cupboard.....the bathroom is only 5'7" x 5'3" and the cupboard is huge. We found paperwork for the boiler and it is only a couple of years old though so not sure what to do, we assumed it was old like everything else here and we'd probably need to replace it anyway and could move at the same time.
    We also grew up with sinks in our bedroom :lol: I remember moving in and my two little sisters thought it great fun to cause floods in their rooms :lol: those sinks soon had the taps removed / capped off so we couldn't use them haha. Haven't seen them in a house for a very long time, looks like they were quite popular in old houses. 
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!


    Mortgage Overpayments - September-December, £152.46. Jan £103.27, Feb £115, March £91.50, April £100, May £200, June £200. July £200.
    Total- £1162.23
    Goal to pay off 1% of current mortgage in one year. £1200. (96.83% there)

  • @debtfreewannabe321 floods?! How old were you?  I wouldnt have dreamed of it - that sink was/is way too useful - my parents still live there and whilst rthe one sink is never used as its now a study, I still use mine when I go back to visit - it is by the huge window, flooded with light  and a large mirror and now my mum uses it for makeup

    That boiler moves sounds like a complicated decision  Ruby
    DON'T BUY STUFF (from Frugalwoods)
    No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff.    Money doesn’t walk out of your wallet on its own accord.
    https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest
  • @debtfreewannabe321 and @LadyWithAPlan who knew boilers could cause so many problems 😆

    Electrician starts Monday and the builder is happy to start asap after that so looks like we need to go out and find tiles over the weekend.  Also need to pick up some sealant so we can get the shower room ready for when we're down to one bathroom, which will be a very different situation to last time we renovated and I ended up having to use the public toilet in the local park 🤣

    The next few weeks are going to be rather busy - work starting on the house, DH is working away a lot and we have a few pre-booked events coming up plus trying to arrange trip to see my "nephew" around his first birthday which is also around our wedding anniversary so will also be using some Hotels.com credit to pay for the accommodation.

    Right back to work!
    Emergency Fund - £8572.39 / £10,000 :: Mortgage OP 2025 - £
    LISA 24/25 - £3200 / £4000 :: NSD 2025 - 2 / 150 :: Books Read: 1 / 52 :: Decluttering - 4 / 1000
    Engaged 9th December 2010 :: Married 29th October 2015 :: Bought a House 13th January 2017
  • @debtfreewannabe321 floods?! How old were you?  I wouldnt have dreamed of it - that sink was/is way too useful - my parents still live there and whilst rthe one sink is never used as its now a study, I still use mine when I go back to visit - it is by the huge window, flooded with light  and a large mirror and now my mum uses it for makeup

    That boiler moves sounds like a complicated decision  Ruby
    My sisters were 3 & 5 🙈and one of them in particular was a little nightmare. We'd moved from a house that didn't have that sort of thing accessible to us without a parent there so they thought it great fun. I always got the blame being the eldest even though I wasn't anywhere around them most of the time :lol: 
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!


    Mortgage Overpayments - September-December, £152.46. Jan £103.27, Feb £115, March £91.50, April £100, May £200, June £200. July £200.
    Total- £1162.23
    Goal to pay off 1% of current mortgage in one year. £1200. (96.83% there)

  • Ruby thank goodness you have a spare toilet :lol: I bet the public toilets are a bit cold at this time of year!
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!


    Mortgage Overpayments - September-December, £152.46. Jan £103.27, Feb £115, March £91.50, April £100, May £200, June £200. July £200.
    Total- £1162.23
    Goal to pay off 1% of current mortgage in one year. £1200. (96.83% there)

  • Ruby thank goodness you have a spare toilet :lol: I bet the public toilets are a bit cold at this time of year!
    And the floors are always disturbingly wet....🤢
    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
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