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Author Topic: Down to the nitty gritty  (Read 8613 times)

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Doctor Gollum

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Re: Down to the nitty gritty
« Reply #15 on: 16 July 2018, 17:59:16 »
The woman buying our last house was expecting to do so with cash from a divorce settlement... Ex was a Virgin B747 captain...

Clearly his solicitors were far more competent than the idiot she used to buy the house as she had to get a sizeable mortgage, which nearly bollaxed the entire chain >:(

Her dilly dallying cost us about £15k as we had a house lined up which we were unable to commit to. Fortunately, when our sale finally went through the house two doors up from the first choice came on the market, so we put an offer straight onto that and 18 years later...
« Last Edit: 16 July 2018, 18:05:30 by Doctor Gollum »
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Viral_Jim

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Re: Down to the nitty gritty
« Reply #16 on: 17 July 2018, 14:16:01 »
And its a done deal  8)

Managed to extract a bit more, and happy with the result. Off on Friday to look at an unconverted barn in a field. So much for an easier life  ;D
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Field Marshal Dr. Opti

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Re: Down to the nitty gritty
« Reply #17 on: 17 July 2018, 14:59:20 »
Quote from: jimmy944 on 17 July 2018, 14:16:01
And its a done deal  8)

Managed to extract a bit more, and happy with the result. Off on Friday to look at an unconverted barn in a field. So much for an easier life  ;D


 Can you feel a Grand Designs Kevin McCloud moment coming on? :)

It must be nice to be wealthy.
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Viral_Jim

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Re: Down to the nitty gritty
« Reply #18 on: 17 July 2018, 16:31:17 »
You mean living in an unheated damp caravan? then yes, probably!

I will feel wealthy in comparison to how I feel now that's for sure. Along with the house, we will also be divesting ourselves of just over £2k pcm in unsecured debt repayments.  :D

It turns out that taking on a major refurbishment on a period house with zero cash as a budget means one incurs the odd bit of debt here and there  :o
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Field Marshal Dr. Opti

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Re: Down to the nitty gritty
« Reply #19 on: 17 July 2018, 16:47:57 »
Quote from: jimmy944 on 17 July 2018, 16:31:17
You mean living in an unheated damp caravan? then yes, probably!

I will feel wealthy in comparison to how I feel now that's for sure. Along with the house, we will also be divesting ourselves of just over £2k pcm in unsecured debt repayments.  :D

It turns out that taking on a major refurbishment on a period house with zero cash as a budget means one incurs the odd bit of debt here and there  :o

You know the old saying, James.

If you owe £50 you are a failure. If you owe £50,000 you are a business man. If you owe £50,000,000 you are a tycoon. :)
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Field Marshal Dr. Opti

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Re: Down to the nitty gritty
« Reply #20 on: 17 July 2018, 16:50:11 »
The wealthy are less worried by large debt than the the poor are worried by small debt. :)
« Last Edit: 17 July 2018, 16:52:11 by Field Marshal Dr. Opti »
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Doctor Gollum

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Re: Down to the nitty gritty
« Reply #21 on: 17 July 2018, 17:04:11 »
Quote from: jimmy944 on 17 July 2018, 16:31:17
You mean living in an unheated damp caravan? then yes, probably!

I will feel wealthy in comparison to how I feel now that's for sure. Along with the house, we will also be divesting ourselves of just over £2k pcm in unsecured debt repayments.  :D

It turns out that taking on a major refurbishment on a period house with zero cash as a budget means one incurs the odd bit of debt here and there  :o
Some advice if I might be so bold...

Instead of viewing that £2kpm as a cash bucket, keep your current budget and save it.
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Viral_Jim

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Re: Down to the nitty gritty
« Reply #22 on: 17 July 2018, 17:46:56 »
Sage advice.  :y

I'm not averse to getting balls deep in debt, but I need to know I have a way out and (more importantly) what I'm doing it for.

That said, I doubt that over the next 18-24m there will be much saving happening. But we are committed to having no debt after this house beyond a mortgage and a loan of c£100 to put SWMBO in a new car.
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tunnie

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Re: Down to the nitty gritty
« Reply #23 on: 17 July 2018, 17:52:18 »
Had ours on 2 months now, good amount of viewings but no offers yet. Doing good at 3 weeks, worth holding out for more  :y
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STEMO

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Re: Down to the nitty gritty
« Reply #24 on: 17 July 2018, 18:00:06 »
Quote from: jimmy944 on 17 July 2018, 17:46:56
Sage advice.  :y

I'm not averse to getting balls deep in debt, but I need to know I have a way out and (more importantly) what I'm doing it for.

That said, I doubt that over the next 18-24m there will be much saving happening. But we are committed to having no debt after this house beyond a mortgage and a loan of c£100 to put SWMBO in a new car.
£100 for a new car. You spoil that girl  ;D
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2boxerdogs

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Re: Down to the nitty gritty
« Reply #25 on: 17 July 2018, 18:44:03 »
We accepted a 2.5 percent below asking price offer on ours , which I think was brilliant just waiting to exchange contracts now.
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Gaffers

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Re: Down to the nitty gritty
« Reply #26 on: 17 July 2018, 19:02:29 »
Quote from: tunnie on 17 July 2018, 17:52:18
Had ours on 2 months now, good amount of viewings but no offers yet. Doing good at 3 weeks, worth holding out for more  :y

That doesn't bode well for mine.
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Viral_Jim

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Re: Down to the nitty gritty
« Reply #27 on: 17 July 2018, 19:41:16 »
Quote from: tunnie on 17 July 2018, 17:52:18
Had ours on 2 months now, good amount of viewings but no offers yet. Doing good at 3 weeks, worth holding out for more  :y

Tbh we are 2.5% off what we were looking for. And the kind of place we are looking at, in the location we're looking at just doesn't come up that often. Maybe a handful of times in the 5yrs we've lived here, it's worth getting gone I think.
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TheBoy

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Re: Down to the nitty gritty
« Reply #28 on: 17 July 2018, 20:20:00 »
Quote from: Field Marshal Dr. Opti on 17 July 2018, 16:50:11
The wealthy are less worried by large debt than the the poor are worried by small debt. :)
That means I'm really poor then
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tunnie

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Re: Down to the nitty gritty
« Reply #29 on: 17 July 2018, 22:34:40 »
Quote from: Gaffers on 17 July 2018, 19:02:29
Quote from: tunnie on 17 July 2018, 17:52:18
Had ours on 2 months now, good amount of viewings but no offers yet. Doing good at 3 weeks, worth holding out for more  :y

That doesn't bode well for mine.

It's really slow around here, saw one we liked drop by 100k to sell. :o

Quote from: jimmy944 on 17 July 2018, 19:41:16
Quote from: tunnie on 17 July 2018, 17:52:18
Had ours on 2 months now, good amount of viewings but no offers yet. Doing good at 3 weeks, worth holding out for more  :y

Tbh we are 2.5% off what we were looking for. And the kind of place we are looking at, in the location we're looking at just doesn't come up that often. Maybe a handful of times in the 5yrs we've lived here, it's worth getting gone I think.

Similar here, we are looking at a really small area, only a few popping up. We want to be sold to put us in driving seat for making an offer.
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