So I’m a home owner (Mortgage Slave)

I’m starting to settle in the living space still looks like a bomb has hit it with cardboard everywhere.

I am certainly sleeping better and calmer away from Rivervale.

It has always amazed me how a change of location can have such a dramatic effect on ones mood.

The commute hasn’t been bad, the recent changes to Tonkin Hwy have made it much better the only downside Orrong Rd to Tonkin Hwy turn off is still a bottleneck.

I am my cable installer coming today to run ethernet from the lounge to the second bedroom so I don’t have to run wires up the hallway.

Off to Bunnings & Kmart again later on today ( New second home ) and maybe see The Black Panther.

I screwed up my salary packaging Keystart gave me one set of account details in January and a new set a few days ago. So hopefully Keystart can track down yesterdays payment without too much trouble and I’m always three months in front 🙂

Til next time….

It’s OVER !!!!

Buying a property has been the most stressful period of my life.

I don’t know if my expectations are too high or what. So here is my experience.

Finance Pre-approval with Keystart

Relatively straightforward and pain free except for a bit of hassle over my salary packaging card not producing a statement in the exact format they would like.

Property Search

There was no search as I had been searching for the previous six months in the lead up to this. So once I had preapproval I had placed a offer that weekend.

Offer was placed & accepted : 4th of December 2017 with settlement due on the 2nd of February 2018.

Settlement Process & Formal Approval

There was some anxiety around the formal approval process as you never know what could trip something up and the added bonus of the holiday season.

I nominated Vicki Philipoff Settlements as my agent and I must say communication has been next to nonexistent (maybe my standards are too high) which caused me great stress as I have been unable to book anything because I didn’t have the settlement day set in stone. I didn’t get confirmation of settlement day until 72 hrs before hand.

Settlement Day 

It settled without issue on the 2nd of February.

Moving

I had plenty of offers to help me move and I rejected them all not because I was being rude or stubborn.

When I had to deal with big logistical tasks like this I find I have my own natural pace and I go hammer and tong and I find it easier if I don’t have to worry about being getting under my feet.

I moved a lot by car on Saturday. I had a truck booked for the Sunday but it was built for midgets and I couldn’t safely drive it. So I had to change tacks and hire a trailer. I spent my first night here on the 4th of February and moved the final stuff on Wednesday.

I had the cleaners go in today and I will hand back the keys tomorrow after I finish assembling my Ikea delivery that arrives tomorrow morning.

What did I learn through this process ? 

  • Trust myself and don’t second guess myself it is not helpful.
  • At 41 I can still push myself to the max physically and mentally and keep it together when  a curve ball attempts to screw with my plans.

Til next time…