New House, New Mortgage!

Thanks Giblet! I had attempted to buy some beers for my dad and best friedns birthday but it didnt go through, went back on today and they have free postage now! Bonus! So have now saved £7 on delivery and have a box of mystery beers for my dads 50th and Terry Pratchett Discworld Ales for my bestie! Feeling much more organised and better now!

Thanks for stopping by Bookworm, love your name as I am a big book lover! Its the best bit about payday, have savings and bills altogether at the moment as using s@ntander 123 account it makes sense! Though makes me a little uneasy as its shoved together! Got all my fingers crossed for Monday, will be speaking to the manager on Monday as it was escalated on my behalf as it should have happened!

In other non MSE news we bought some new sofas, put down a nice deposit down and took the rest out on finance, it scares me how easy it is to get finance! Think I was naive! Only reason we went for 0% was to make sure we aren't shooting ourselves in the foot as we need fencing first! Once thats sorted can pay off as much as we want with no early repayment fees, can overpay as much as we want as well so seems win win! And they are a lovely set of furniture in a fab red colour!

Last day on internet today unless it can be connected via her broadband when we move, getting withdrawals already!

Jodles

Thanks for popping in Pushkin, we went with D*S as there is one close by, went with a nice traditional set, got a large sofa, normal size sofa, armchair and footstool with teflon feet (probably well ripped off but helps it move easier!) and it all sprayed so it wont stain (again might have been ripped off here!) and all for £1,355 including delivery! You automatically get 10years cover on the springs etc which is good. I was tempted by Ne*t as well, thought they would be really good quality but just slightly to much money for us, perhaps next time! Loved the ginger colours and the sherlock chair there! I definately found going into store much more helpful as online I was just totally stuck! And its good to have a good trial of sitting on it!

Good luck finding the right sofa, its important!

Jodles

Well my doggies are home and fast asleep on my feet. They have been out playing in the new garden (still a field really) all day and are pooped! My feet are aching but its all so good, blumming love this house! Have bought a plum, peach and Alba tree today to add to my mini woodland, also had a cherry tree bought for us by our very good friend! They have all been planted and look great! Given them a good soak so hopefully all sorted.

Found out we had a blocked drain yesterday which cost £65 for a guy to come out and sort for us, as we are new here thought we best get it done properly in case something was wrong, turns out it there are a couple of abnormalities in the pipe which may have caught stuff on and blocked.Glad that was sorted nice and quick.

Also had the fence man round to quote for us making a very secure area for the dogs, they have been great but needed supervision when out at the moment which is fine as we are off, but really excited to have them somewhere safe to be! Not sure what the quote may be like so fingers crossed for something affordable! Also decided that reed screening may work in the field as a way to make the field more enclosed for the dogs, I measured we need 65metres of screening but this can be attached straight to the horse fencing, found a website with offers on and its £201.40 for the reed plus £40 for some staples (need to establish the quantity first as may well be overbuying them!) seems reasonable considering the area to cover!

Have had so many lovely family and friends come to visit, has been great! They have brought wine, cake and plants! Perfect house warming gifts!

Anyways off to check where the cows are in next doors field to see if the dogs and I can pootle down the field lead free, if they are hanging out near our fence will have to put the big girl on her lead as she fancies herself as a master hunter and chaser of anything!

Jodles :j:rotfl::D

It feels more like a money spending diary at the moment, rather than a pay off your mortgage quicker one! Bought two gas bottles for £110, going to keep a close eye as to how long these last bearing in mind its nice weather currently.

Got a guy coming round tomorrow to help look at ways to make the house more eco friendly, including what the best alternative heating and electric generator may be best for us here. Long term well worth it if we can afford it!

Have spoken to our old county council and will be getting money back for this months council tax, and should get the money back for this months mortgage as we moved on the 1st of the month. Depending on fencing costs Im hoping at least half of this can go towards an overpayment. The mortgage goes out from here on the 29th September, trying not to feel sick at the cost, as realistically our wages have increased a lot since we bought our first home, but with winter approaching I am concerned how much everything will cost, but its this worry that makes me focused with money where I can be!

Jodles :beer:

Oh two posts so close together, promise there is a reason for this! Just been onto N@twest website for mortgage, wow so easy to use! Very impressed! Just set up a monthly overpayment of £70 a month. This isn't much but hubby and I agreed this as a number for each month. I am very excited I could do this and our direct debit will change in the next 5 days, so cool! It also looks like overpayments will be easy to do, we have no fear of paying off more than 10% so no worries about any fees!

Jodles :j