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  • FIRST POST
    • Runders
    • By Runders 4th Jan 18, 5:07 PM
    • 196Posts
    • 539Thanks
    Runders
    The Cottage Dream
    • #1
    • 4th Jan 18, 5:07 PM
    The Cottage Dream 4th Jan 18 at 5:07 PM
    Hello All,

    I used to post way back in 2015, and my old diary is here: Clicky
    I disappeared because my Mum became unwell with cancer and so spending time with her became much more important. My wonderful Mum unfortunately passed away in October, and this has really brought it home to me that life is just too damn short! I've always had the long term goal of moving back to the countryside and having my own horse, but I have decided I'd rather work hard for this now rather than later, hence the new thread and title.

    My spending has been out of control over the last year or so, so I'd like to get it back in check and really knuckle down again. My plan is to try and pay as much as my mortgage off as possible, in order to facilitate being able to move back to 'The Shire' as I call it, where house prices are more expensive than where I currently live.

    My mortgage currently stands at 96,407. I started with 110,884 in Sep 2014. I have an offset mortgage which I really like. I originally had the benefit set to reduce my monthly payments, but I have just contacted the bank asking if they can change it to a term reduction. This way I can't spend the savings each month!

    I'll pop back later with a SOA .
    MFW Start: September 2014 - 110844
    Current: 89,634.34 Offset: 15.162.13
    74,472.21 until mortgage neutral
Page 2
    • Unicorns
    • By Unicorns 1st May 18, 11:39 PM
    • 44 Posts
    • 136 Thanks
    Unicorns




    Right the new sofa, I sat on the most comfortable sofa ever, perfectly supports my back, looks great and would fit into my lounge style well.....has a nearly 2k price tag...... I said that isn't very MSE and have been looking at and sitting in other sofas since then (many, many months), but none of them are as comfortable!! I have a bad back and this sofa was a dream for it. I am now tempted to basically throw my MSE ways out the window and go for it on the purchase....am I mental?!?
    Originally posted by Runders

    Hello,

    I suffer with a chronic bad back myself and I would say go for it, it matches your style, you will have it for years to come.
    There's nothing worse than having furniture which hinders your health, I'd say this sofa is an investment for your health and you can't put a price on that.

    Plus you haven't just thought about it for a day or a week, you've gone months trying to find something else.

    And if I haven't swayed you enough yet......are there 0% finance deals you could do as long as you pay when it ends? The better health your back is in the more money you can make doing whatever you do to get that mortgage down. And you will feel great because you will hopefully experience less pain.

    It's not like you are blowing 2k on a pair of shoes, that would be crazy! If you can afford it go for it.

    Let us know what you decide.
    Save 12k in 2016......6,675/12,000
    • JennyP
    • By JennyP 2nd May 18, 8:49 AM
    • 943 Posts
    • 721 Thanks
    JennyP
    I bought a sofa years ago that was 2500 marked down to 800 in the john Lewis sale. I think it must have been in 2000 or 2001. It's still the best sofa ever. Very comfortable.

    So that's under 50 per year for that sofa.

    When I lived on the boat, it wouldn't fit on so I bought an Ikea sofa for 500. It was never comfortable and I left it on the boat. 3 years on a 500 sofa is 133 a year.

    Could you wait for the sales? We need another sofa - maybe two even - for our new house. Next had some bargains in January - big expensive and very comfy sofas for 300 - 400. Am going to find one in the summer sales.

    What make is the one you like?
    • Runders
    • By Runders 2nd Jun 18, 7:42 PM
    • 196 Posts
    • 539 Thanks
    Runders
    Hey all,

    Sorry for going AWOL, I have been unwell and backwards and forwards to doctors for weeks now. I am finally getting somewhere and being referred to a specialist.

    Unicorns and JennyP, thanks for the thoughts on the sofa. It had been put on hold with everything that is going on, but I think you both make some great points. Once I am sorted again I think I am going to go for the one I like. It is JL, so I can have it on 0% finance over 2 years

    I decided to spruce up my bathroom. Really, I would like to rip it all out, have new tiles and a nice new suite. But, I don't have that kind of money at the moment, and actually it's a very functional bathroom that is only 9 years old. So, I have decided that a lick of paint and some new easy fittings like towel rails etc will hopefully make a difference. I've already spent a lot renovating this house, so I don't want to spend too much more really.

    I hope you've all been well. I'm off to catch up on diaries now.

    Toodles
    MFW Start: September 2014 - 110844
    Current: 89,634.34 Offset: 15.162.13
    74,472.21 until mortgage neutral
    • JennyP
    • By JennyP 4th Jun 18, 8:19 AM
    • 943 Posts
    • 721 Thanks
    JennyP
    Sorry to hear you are unwell and hope you feel better soon.



    It isn't that long till August - won't there be a JL sale? Your sofa might be there!



    We have to do two bathrooms in our house. They are grotty. Really old suites that I don't think have been cleaned properly over the years. Have thoroughly scrubbed when we moved in but they still feel unhygienic. Quotes coming in at 6000 for fitting without the suite included though. Seems extortionate!
    • Runders
    • By Runders 23rd Jun 18, 9:48 AM
    • 196 Posts
    • 539 Thanks
    Runders
    Hello all,

    Big absence from me again. All the Docs appointments etc have led me down the road for surgery. It's considered a 'routine operation', but after all the time in hospitals with my Mum and the mistakes they made during her surgery, I am now absolutely terrified of anything remotely surgical and hospitals in general. I need to find some 'big girl pants' about it all, but the one person I would normally turn too when I feel like this (Mum) isn't here. I have wonderful supportive friends, but the one thing I want is a 'Mummy Runders hug' right now!!!

    I am in a bit of a funk anyway, I started to have a look at a few houses in the shire in the hopes of making this year the year I move. But, in the light of a disappointing house valuation, me thinking mortgage multiples were 5.5 x and not the actual 4.5 x salary, and the high house prices of the shire, I am starting to think it's all a bit of a pipe dream.

    I utterly adore my home. It's a Vic terrace and I've really taken it back to it's roots with my refurb. Beautiful wooden floors, gorgeous wood burner in an original fireplace. It's utterly perfect for me. I am just starting to hate the location. If only we could just take our homes with us! haha.

    Anywho, that is enough of melancholy Runders, I need to find my Mojo again and get on the frugal bandwagon. I just spent during my Mum's illness and after. I don't regret it, it needed to be done and I'd do it again in a heartbeat. But really 7 months on, I now need to have a word with myself and start cooking, using free days out etc. again. Oh deliveroo how I will miss you!

    My pay at work is changing, so I will hopefully be able to save a bit more each month. I should be able to do a new SOA come August once I have seen what impact it has.

    Right I am off to do some work on the garden. I promise to be a bit cheerier next time!
    MFW Start: September 2014 - 110844
    Current: 89,634.34 Offset: 15.162.13
    74,472.21 until mortgage neutral
    • IAAM
    • By IAAM 1st Jul 18, 11:03 AM
    • 31 Posts
    • 65 Thanks
    IAAM
    Hi Runders

    I've just caught up with your diary. I am so sorry to hear about your Mum.

    On the subject of your sofa, did you end up buying it?

    We had a similar dilemma. We've bought a new build and we had to get a new sofa. All the comfortable ones were around 1500 and we needed a new chair too (to accommodate family/friends when they visit). We ended up taking the plunge as, in the scheme of things, it seemed silly to be uncomfortable. Especially as the sofa is used quite a bit and I convinced myself that the cheaper ones might not last as long (although I know there's no guarantee of this).

    IMHO, sometimes money saving can't always be the main focus - especially when it comes to a standard of living (i.e. a comfy sofa) or a special occasion (maybe buying a new outfit for a special celebration)
    • Runders
    • By Runders 6th Jul 18, 3:39 PM
    • 196 Posts
    • 539 Thanks
    Runders
    Hey IAAM,

    I haven't bought it yet. I was unwell and now I'm back on the blue wobbly stuff, so it's on my to do list once I am back and recovered from my op.

    You and the other commentators are right though, you need to be comfortable or what is the point?
    MFW Start: September 2014 - 110844
    Current: 89,634.34 Offset: 15.162.13
    74,472.21 until mortgage neutral
    • Runders
    • By Runders 6th Jul 18, 3:47 PM
    • 196 Posts
    • 539 Thanks
    Runders
    Hi all,

    I've been playing around with excel and budgets whilst I've been out at work and have come up with My Spreadsheet of Doom It was meant to be an improved simple affair, and now it runs to 4 different tabs with all sorts on each one..ahem. I very much got carried away, but I'm super pleased with it. I track the % of my home I own; I've based this on the price I paid for it and not it's current value. I also have a savings box so I can see instantly how any decisions I make affect the amount in my offset. I'm really hoping that it will help me resist temptations better once I am back on the dry stuff!

    Not much else MS for me. I don't really spend money when at work, but I was in a deficit from last month so this will cover that.
    MFW Start: September 2014 - 110844
    Current: 89,634.34 Offset: 15.162.13
    74,472.21 until mortgage neutral
    • julicorn
    • By julicorn 6th Jul 18, 9:05 PM
    • 208 Posts
    • 828 Thanks
    julicorn
    Hi Runders, the spreadsheet of doom sounds incredible! I've got a really over the top one for my mortgage overpayments, which calculates things like interest saved and how many months ahead we are compared to had we not overpaid. Gotta love a good spreadsheet!
    Aside from that, are you feeling a bit better?
    • Runders
    • By Runders 10th Jul 18, 10:01 AM
    • 196 Posts
    • 539 Thanks
    Runders
    Hey Julicorn,

    I do love the spreadsheet, I may have to add some of the tabs you mentioned above: interest saved etc. Gives me something to do whilst I am listening out for whales and dolphins on my shift.

    I am feeling a bit better yes, I can all too easily get myself into a funk. Still really don't want surgery, but I am being pragmatic about it - get it done and over with and get back on the road to being fighting fit and money savvy.
    MFW Start: September 2014 - 110844
    Current: 89,634.34 Offset: 15.162.13
    74,472.21 until mortgage neutral
    • Runders
    • By Runders 31st Jul 18, 7:06 PM
    • 196 Posts
    • 539 Thanks
    Runders
    Hello everyone!

    I am back from the blue wobbly stuff at last and I may need you all to talk me down. I viewed a house this morning, well a cottage in the shire. It was beautiful, it would be a downsize to a 1 bedroom and a substantial increase in my mortgage - but I think I want to go for it. The location is spot on, the age and style of the cottage is spot on, it would just mean that guests would have to sleep on a sofa bed in the lounge - although this would be next to a toasty woodburner. ARGH!!!! I need to get the estate agents on the line tomorrow to talk about getting mine sold - I can't decide if I am being mental or not.

    Hope you are all well, I'm off to catch up on diaries.
    MFW Start: September 2014 - 110844
    Current: 89,634.34 Offset: 15.162.13
    74,472.21 until mortgage neutral
    • Runders
    • By Runders 5th Aug 18, 11:52 AM
    • 196 Posts
    • 539 Thanks
    Runders
    Hello all,

    I had my surgery yesterday - there were many tears beforehand - but I am home and have plenty of painkillers. I have a good few weeks where I need to take it easy and let my body get used to being an organ down. On the plus side I probably won't spend much money!

    So, I have the estate agent coming to take the photos of my house tomorrow, dum dum dum. I have decided to go for the tiny cottage in the shire. I just need to hope mine is sold stc in time for me to put an offer in, although Victorian terraces move quite quickly here. My friend was an absolute star and came and gave the kitchen a lick of paint whilst I was having surgery yesterday, I'm so lucky with my wonderful friends

    Right time to get some more meds and try to walk out the co2 - they use it to blow up your abdomen so they can get to everything. Pretty fascinating really.

    Toodles
    MFW Start: September 2014 - 110844
    Current: 89,634.34 Offset: 15.162.13
    74,472.21 until mortgage neutral
    • julicorn
    • By julicorn 5th Aug 18, 2:29 PM
    • 208 Posts
    • 828 Thanks
    julicorn
    Hey Runders, first of all glad to hear your surgery seems to have gone alright - hope you have a speedy recovery

    And a cottage in the shire sounds absolutely wonderful I don't think having guests sleeping in the living room is a big deal at all, and the way you describe the house sounds so lovely. Fingers crossed you find a buyer for your property quickly x
    Original mortgage: December 2017, 203,495
    MFW start: April 2018, 201,800
    Current: 193,300
    • Runders
    • By Runders 9th Aug 18, 1:17 PM
    • 196 Posts
    • 539 Thanks
    Runders
    Hello everyone!

    Still house bound, I am such an impatient patient! Still sore, it can feel like there are tiny ninjas stabbing and stinging you in 4 different places. However, I can already feel that the constant shoulder pain I had before hand is gone. Now if the rest of it could sod off that would be lovely!

    So my house went on the market and within 24 hours it had 11 viewings. We are already going to best offers because it was popular - eeeekkkkkk! I still can't believe I am doing this - I swear I've gone off the rails! haha. Fingers crossed I get some good offers because of all the interest. I also really hope that if I do I can secure the cottage in the shire. - I am sure you are meant to take it easy after surgery right?!?
    MFW Start: September 2014 - 110844
    Current: 89,634.34 Offset: 15.162.13
    74,472.21 until mortgage neutral
    • Moneyfordreams
    • By Moneyfordreams 10th Aug 18, 2:00 PM
    • 1,067 Posts
    • 5,216 Thanks
    Moneyfordreams
    good luck with the house, exciting. I hope you are feeling better soon
    Mortgage restart June 2018 119950
    zero personal cc
    6x166 for sofas ending November 2018
    2500 on DD1s car cc
    • woodfired
    • By woodfired 12th Aug 18, 1:52 PM
    • 48 Posts
    • 133 Thanks
    woodfired
    Hi Runders,

    Glad the surgery went well and exciting news on the house!! Fingers crossed it all works out for you, its the most stressful thing to do, selling your house on the promise of only one that you like. Hope it all works out, it does sound very promising with all of the viewings!
    Nov 17: Mortgage Balance 135 900 Business Loan 83 000 Savings 10 500
    Aug 18: Mortgage balance 128 907 Business Loan 78 328 Savings 11 337
    • Downshifterella
    • By Downshifterella 12th Aug 18, 4:55 PM
    • 135 Posts
    • 878 Thanks
    Downshifterella
    Great surgery went well and hope you are back to full health soon . Soooo exciting to have the potential for a cottage in the shire!! Everything crossed everything fits into place!
    MF planning for the simple life
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