Frances' PP Diary

[Dubchick81]

I HATE MOT's so much that i do that car deal where you give yer car back after 3 years mine can be given back in 2014 woo ...

Claire me too. Well kind of.. I usually trade in just before it's due but tryna cut finances n b sensible....
Yea sum dealers do it Sarah. I kno Opel n Renault did anyway...

 

[Wishbird007]

Hi hun
How ru?
So i want to talk new house stuff, have u bought any housey bits yet?

 

[Dubchick81]

Hi hun
How ru?
So i want to talk new house stuff, have u bought any housey bits yet?

Good morning hunnie..How are you? Hope your pain eases off a bit..
Have you tried Nurofen Express 400mg tabs??? Seriously.. they're GREAT!! They are only OTC pain killers but honestly work super strength...

House stuff: We've only really got the essential boring stuff... Delf / Kettle / Toaster / Hoover... I already have a blender, slow cooker, iron, ironing board, some oven wear.. Then we've bought a few non perishable food stuffs as well..
All exciting to us but pretty boring really..
We're hoping they leave the big kitchen appliances (fridge, cooker and washing machine) and sofa's which we have asked about and they'v said they'll "come to a small fee arrangement" but that's all we've heard so far.. We'll obviously replace them in time but just to keep "the essentials" costs down..
Jonathan spent hours last night browsing sites for good deal on beds... and we'll hafta get kitchen furniture.. We have a TV for the main room but want to get another decent size one for the kitchen/dining room...
I have enough towels and bedding to get us thru for now as well but they're things we'll build up on thru the years..

 

[azwethinkweiz]

I think the "boring" stuff is quite exciting. It's ending cuz it's your house and it'll have your stuff in it. Pretty cool... Can't wait to do it someday myself, am I way behind here being nearly 25 still living at home? No money sucks

How's tuesday treating you so far hon? X

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[Dubchick81]

I think the "boring" stuff is quite exciting. It's ending cuz it's your house and it'll have your stuff in it. Pretty cool... Can't wait to do it someday myself, am I way behind here being nearly 25 still living at home? No money sucks

How's tuesday treating you so far hon? X

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Well if you are then I totally am!! I'm 30!!!!!!!
I started saving................................. 2 months ago!!! lol Needless to say its not quite hi enough to get a mortgage lol Thankfully Jonathan has the sensible gene and has more than enough to cover our deposit and get us whats needed for the house.. Tho I will be paying half over EVERYTHING... just not right now.. We've agreed once I've cleared my personal loan I'll debit monthly installments into his account until I've paid my half of everything.. Its something I need to do for me.. he hasn't even slightly suggested it was a loan or anything like it.. I need to feel I've worked for and earned my half of the house.. Independant woman n all that..
So I've just over a year left on that, and then I'll start repaying him.. It'll take about 2 years but that's OK

Yea that's why to us its exciting.. But talking about it I feel silly saying its "exciting" coz its boring practical stuff..
We bought a hoover the other day.. Jonathan was delighted with his purchase and couldnt' wait to piece it together n try.. Was funny.. he was like a kid.. Was great to see him get excited tho coz he's a "too kool for skool" kinda bloke and hides every emotion!!
Even when we got the mortgage approval... I dont think he cracked a smile!! I was thinking.. oh... does he really want this?! So was nice to see...

 

[MrsLmc]

Aww it all sounds so exciting Frances (even the hoover)!!! I love getting all that type of stuff, finding were to put it in your new house and having everthing new, shiny and clean awwwwww love to start again lol x

 

[Dubchick81]

Aww it all sounds so exciting Frances (even the hoover)!!! I love getting all that type of stuff, finding were to put it in your new house and having everthing new, shiny and clean awwwwww love to start again lol x

Aw thanks hun... I'm loving it I have to say...
We went to the Long Mile market (local Sunday market) the other day (Sunday, obviously) and got a bail of toilet rolls and a bail of kitchen towel (lol) We were in knots at ourselves when we got home...
And we got a catering size box of teabags the weekend before and loads of cleaning bits, bleach, dettol, cloths etc... First things first.. The first weekend at least will be spent scrubbing it out before we move in so they're what we need first.. And ya need a cuppa in between cleaning ha ha..
Have stocked up on pasta n rice n tinned tomatoes n stuff like that as well so the first shop won't be too shocking to our system as we have most of the "store cupboard" items so it'll be fresh n frozen foods only really that we'll need to get.. Still a few essentials to get and God know how many essentials we still need but haven't thought of... but we're getting there

 

[azwethinkweiz]

Well if you are then I totally am!! I'm 30!!!!!!!
I started saving................................. 2 months ago!!! lol Needless to say its not quite hi enough to get a mortgage lol Thankfully Jonathan has the sensible gene and has more than enough to cover our deposit and get us whats needed for the house.. Tho I will be paying half over EVERYTHING... just not right now.. We've agreed once I've cleared my personal loan I'll debit monthly installments into his account until I've paid my half of everything.. Its something I need to do for me.. he hasn't even slightly suggested it was a loan or anything like it.. I need to feel I've worked for and earned my half of the house.. Independant woman n all that..
So I've just over a year left on that, and then I'll start repaying him.. It'll take about 2 years but that's OK

Yea that's why to us its exciting.. But talking about it I feel silly saying its "exciting" coz its boring practical stuff..
We bought a hoover the other day.. Jonathan was delighted with his purchase and couldnt' wait to piece it together n try.. Was funny.. he was like a kid.. Was great to see him get excited tho coz he's a "too kool for skool" kinda bloke and hides every emotion!!
Even when we got the mortgage approval... I dont think he cracked a smile!! I was thinking.. oh... does he really want this?! So was nice to see...

Haha no I was thinking maybe I'm way behind because I'm not a very good saver either hehe. I need to find me a fella like yours BUT I would be exactly the same as you about repayments. I would want to pay half. Like my sister pays for nothing & considers it her house (it's her boyfriends house) whereas I couldn't do that, I'd _have_ to pay something. I'm very strange about paying for things, I'm constantly offering to pay in all situations!? Dunno why I do it!? I can't stand people paying for things for me, I have this intense guilt about it. Am I mental lol?
It's cool that you can get your loan paid off first though, getting that outta the way will be a weight off for sure!

I love hearing all the "normal" stuff. It's awesome to be buying the things that are needed to run a house and the fact that they're _yours_ & everything! It's class!!

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[Dubchick81]

Haha no I was thinking maybe I'm way behind because I'm not a very good saver either hehe. I need to find me a fella like yours BUT I would be exactly the same as you about repayments. I would want to pay half. Like my sister pays for nothing & considers it her house (it's her boyfriends house) whereas I couldn't do that, I'd _have_ to pay something. I'm very strange about paying for things, I'm constantly offering to pay in all situations!? Dunno why I do it!? I can't stand people paying for things for me, I have this intense guilt about it. Am I mental lol?
It's cool that you can get your loan paid off first though, getting that outta the way will be a weight off for sure!

I love hearing all the "normal" stuff. It's awesome to be buying the things that are needed to run a house and the fact that they're _yours_ & everything! It's class!!

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Thank you
I think its all in how we've been brought up Sarah TBH.. (tho sometimes I wonder was I brought up different as my brothers and sister are nothing like me.. NONE of them work.. They're ALL on the dole! Could work, but don't want to! Except 1 brother.. he's on disability as he hurt his back at work years back.. but he could technically work if he wanted, just not doing anything physical) and they are all in corpo housing (except that same brother!)
My parents drilled into us to pay your own way and don't depend on anyone.. (tho they clearly weren't listening!! lol)

I'm like you when it comes to people paying for things for me.. I feel awful.. I do be thinking 'God they must think i'm a scab not paying for this or that' Even tho I'd have tried to pay or even tried giving my share..
With Jono when we're out I always make sure to pay my way too.. The girls say i'm mad as he "should" pay as he's the bloke but I'm not that way.. Sometimes he'll pay for dinner or drinks but then next time we're out I make sure I've the money out before we even ask for the bill.. To make sure I've paid.. Not that he's ever said anything or hinted anything.. Its just me..

And yea its great that we're in a position that he can pay it and I pay him back later when I can..
TBH I was getting so stressed as I just didn't know how I could save any amount up until recently.. I was like "come payday each month I AM SMASHED... How the hell am I meant to save for a house/mortage?"
And it was only when we went in to the bank that I really sat down, set out a budget and made myself stick to it NO MATTER WHAT.. And it is doable... I pay out €660 on my car and personal loans a month.. then i've little bills like car insurance.. Sky.. Internet etc.. Then the cost of running the car (€120-140pm) and with my "new" budget i'm managing to save €400... Plus I have had well over €100 to spare each month come the next payday so i've bought house bits out of it and made it count.. not squander it like I usually would have done...
I'm still amazed when I think how much I used to blow and i'd have nothing to show for it...

 

[brien77]

Buying stuff for your new house is so exciting, I moved into Matt's house last november. I'm slowly but surely buying things for the house to make it less of a balcholer pad and more of a home.

 

[Dubchick81]

Buying stuff for your new house is so exciting, I moved into Matt's house last november. I'm slowly but surely buying things for the house to make it less of a balcholer pad and more of a home.

Oh I know what you mean... I ''unofficially'' lived with an ex a few years back and he'd lived alone before we got together.. there was NOTHING homely about his place... Just when I had it cosy we split.. Good job I'd made him buy al the bits n bobs ha ha...
And if Jonathan had his way ours would be more bachelor than couple!!!!
He wants to get the leather double bed that has the flatscreen built into the end?? Ya know the one where the tv hides in the bottom "head" board??!!! He wants an air hockey table so we can compete to see who'd gona do the washing up (I don't want to get a dish washer so this is his solution!!) and he wants a pool table for the spare room...
He also DOESN'T want to get a dinner table coz the dining area would be a great space to have this xbox kinnect set up!!!!!!!!!!!!!

 

[azwethinkweiz]

That's terrible about the family being on dole and everything. My dad hurt his back too and is now applying for invalidity (you can only stay on the sick for 2yrs). I don't think he'll get it though
Can be about how you're brought up yeah. I think we might be the extreme side of things though... You sound exactly like me about paying for things lol!! I hate women who think it's the "mans place" to pay for things. We aren't living in the 1950s anymore... Get your purse out love lol!

I definitely need to do out some sort of budget if I plan on fixing my teeth/eyes or getting a car etc lol. I'm desperate!!

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[Dubchick81]

That's terrible about the family being on dole and everything. My dad hurt his back too and is now applying for invalidity (you can only stay on the sick for 2yrs). I don't think he'll get it though
Can be about how you're brought up yeah. I think we might be the extreme side of things though... You sound exactly like me about paying for things lol!! I hate women who think it's the "mans place" to pay for things. We aren't living in the 1950s anymore... Get your purse out love lol!

I definitely need to do out some sort of budget if I plan on fixing my teeth/eyes or getting a car etc lol. I'm desperate!!

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I kno they bug the sh1t outta me. Lazy fookers. It's down to the likes of them the country is in dyer straights...

Yea mayb we are ha ha. But I'd rather b this way than take people for granted. And I think that can b very easy to do without realising sometimes.

 

[Dubchick81]

Ps j wana get my teeth done too. I want braces but it's talkin a couple of grand... Eek..

 

[Dubchick81]

Looking for some help here people..
Yesterday I got a call to tell me we may have an issue with planning permission on the shed in the house...
Today I was told it may not be planning permission... it may be a "breach of lease covenants" issue....
WTF does that mean??? Anyone???

 

[Baby-belle]

Looking for some help here people..
Yesterday I got a call to tell me we may have an issue with planning permission on the shed in the house...
Today I was told it may not be planning permission... it may be a "breach of lease covenants" issue....
WTF does that mean??? Anyone???

I've no idea Hun sorry can you pop into an estate agents and ask them?

 

[Dubchick81]

I've no idea Hun sorry can you pop into an estate agents and ask them?

Tiz all good.. Apparently there is no issue now.. Apparently its all sorted.. Bit of a weird one as my auctioneer is saying the vendors (guy that's selling the house) solicitor has said it was planning permission and my solicitor is saying after speaking to his solicitor its a possible issue with a breach of convenants....
But now the auctioneer is saying he's been talking to the guys solicitor again and the shed is under the max allowance before PP is required so there's no issue.. So I dunno what's going on but believeing there is no issue...
We'll be more certain exactly what's happening when my solicitor has our contract and has gone thru it all...
Jeez... This house buying is stressful and confusing!!! And Jonathan isn't making things ANY easier with his drama queen behaviour...

 

[MrsLmc]

Ha so true, boys can be the worst drama queens. Hope it all gets sorted in the end sweetie and thats it. xx

 

[Baby-belle]

Tiz all good.. Apparently there is no issue now.. Apparently its all sorted.. Bit of a weird one as my auctioneer is saying the vendors (guy that's selling the house) solicitor has said it was planning permission and my solicitor is saying after speaking to his solicitor its a possible issue with a breach of convenants....
But now the auctioneer is saying he's been talking to the guys solicitor again and the shed is under the max allowance before PP is required so there's no issue.. So I dunno what's going on but believeing there is no issue...
We'll be more certain exactly what's happening when my solicitor has our contract and has gone thru it all...
Jeez... This house buying is stressful and confusing!!! And Jonathan isn't making things ANY easier with his drama queen behaviour...

Bless you nothing ever runs smoothly does it! Me and my bf have nearly got our deposite now but won't be buying until next year as I need a job first to get a mortgage! But it's all extra saving time

 

[Dubchick81]

Bless you nothing ever runs smoothly does it! Me and my bf have nearly got our deposite now but won't be buying until next year as I need a job first to get a mortgage! But it's all extra saving time

Aw I'm tellin ya. Knew it was all going too smoothly for us
But nothing major n we'll get there soon enough.
N if it delays at all it's extra time to get stuff in... Not a disaster