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The Ongoing Saga of Ruby Trying to Own A Home

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  • ruby_eskimo
    ruby_eskimo Posts: 4,792 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    No more wallpaper stripping, but the bathroom was completely stripped out yesterday along with the wall that needed to come down 🤯  All done by lunch time, but woke up to a massive puddle in our utility room where the plumber hadn't tightened a nut properly and it had leaked through the floor and down the wall.  Foreman came out early to sort it all out 👍

    Front room being plastered now, office should be done by the end of the day and then tomorrow they're going to start on our bedroom.  Which means trying to find places to put all the bedroom stuff tonight (that isn't already taken up with living room, office and bathroom stuff 😂)

    On the money front, I've had to start a sinking fund for a friend's hen party next year - she's having one in the UK and one abroad and the only one I can make is the abroad one.  Should be fun but I'm sure it will be pretty expensive too (looks like a few days in Portugal) so trying to start saving now while I can and spread the costs out so I don't just put it all on the credit card.  Oh and DH has had a) his annual pay rise confirmed and b) a temporary promotion confirmed too.  The extra money is all just going into the house pot towards the kitchen renovation next year (hopefully if we have enough money left over!).  I'm also getting a pay rise this month with back pay to April so the extra cash is going to be split between my LISA and the house fund.  Which reminds me I need to start paying the extra money into my S&S ISA.  I'm also going to look at getting an individual life insurance policy to give us a little more protection as it's DH who's supposedly stopping us from getting a decent policy together.
    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
  • ruby_eskimo
    ruby_eskimo Posts: 4,792 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    And because I'm just astounded at how much progress they made, here's a picture of what will be our new bathroom:


    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
  • haha at the bathroom! That is bringing back memories of ours two summers ago :lol: only we did it ourselves so ours stayed looking like that for WEEKS! Hope you get a nice finished lovely bathroom to relax in soon :blush: I can't believe how much you have achieved already, the house will be completely done before you know it!
    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)

  • That picture of your bathroom takes me back to earlier in the year when we had ours renovated and they had to wait for the doors, so we had a lovely new bathroom with a bed sheet covering the doorway for a few days. If you were on the toilet and heard someone coming up the stairs you had to announce you were in the bathroom so they didn't walk in on you.
  • ruby_eskimo
    ruby_eskimo Posts: 4,792 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    That picture of your bathroom takes me back to earlier in the year when we had ours renovated and they had to wait for the doors, so we had a lovely new bathroom with a bed sheet covering the doorway for a few days. If you were on the toilet and heard someone coming up the stairs you had to announce you were in the bathroom so they didn't walk in on you.
    That's too funny - we're having a door fitted today (as they're building the stud walls) but because I've not decided on handles for the door, we won't be able to close it 😂
    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
  • ruby_eskimo
    ruby_eskimo Posts: 4,792 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Think we were probably the only people in our area that didn't see the northern lights properly last night.  There was a faint green / purple hue to the horizon but couldn't pick anything up on camera 😞  Oh well, just means there's even more of a reason to go to Iceland now 🤣

    Spent last night on the spare bed which was actually quite comfortable (which is good news for all the guests who've been sleeping on it since we bought it a few years ago 🤣).  Plasterer is back this morning to finish off downstairs so we might be able to get a bit of our kitchen back over the weekend or we might just leave it a few more days and get the painting done whilst everything is out of there.  

    Stud walls are being built for the new bathroom this morning as well as some first fix plumbing so that's all going ahead relatively well and should hopefully all be done before we go away for a few days at the end of the month.  They have 17 days to get it done 🤞

    This weekend we need to get door handles for all the doors, even though we're not replacing all of them right now, I just want to make sure that the bathroom door handles match all the other handles in the house 😂  Also need to get a light for the bathroom too and decide on some paint for the living room.  
    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
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