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Showing posts from May, 2019

Buying a House and Home? A RICS Survey isn't Enough, Here Are My Tips From Experience

Here I am 18 months after we bought what we thought was our dream home.  We sold our smaller house as we outgrew it with growing kids and to be honest we always intuitively felt that the house layout was not the right overall for our family.  So we made the decision not to go through extensive building works which would lead to spiralling costs and upgrade to a larger house, where the work has already been undertaken even though we may pay a little more for that finish.

We found the house we thought ticked all our boxes.  The layout was perfect, the location great and the price worked.  We put in an offer that was kept on hold until our house was sold.  The following week our house was on the market with Purple Bricks (be wary of the conveyancing charge if you opt to pay after the sale) and a week later we had an offer, so we were off!

Armed with a mortgage offer (which is a mission in itself to secure) we thought all was good, despite the slighly odd arrangement with the tennant who…

Money Mindset Part I - Defining my Relationship with Money and Building my Sense of Value and Esteem

'Find a penny, pick it up and all day you'll have good luck'
'Look after the pennies and the pounds will look after themselves'

When you see or hear about money what comes into your mind?

For me it was easy come, easy go - to be honest.  There never seemed to be enough money and even large amounts seemed to float through and out of my life and I could never really account of where it went, it certainly didn't grow and I had no connection to it at all, in fact I have come to realise I was actually scared of it.

My first money mindset work was to get to grips with my money. I always avoided looking at the accounts and having to see it dwindle away, feeling like there was never enough and always going into thousands of pounds of overdraft as I had no management of it at all.
So rather than just create an excel budget (which I did and was really helpful to actually see what I had coming in and therefore what I could actually AFFORD to spend) I also wanted to track…