Owning your own home

My brain has dissolved into an endless reel of Rightmove frontage photos

this is where user amey posts from

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this is fucking ideal ! where is the turbo setup?

he's logged in as user user141187 on the left hand computer

That is fucking horrible.

The cellar looks pretty fucking great tho

110% chance it will flood

Disagree. It looks like somewhere you'd keep people you're trafficking.

Just chillin out, staring at the wall 3 feet away.

Sitting on a dust sheet.

I mean, the whole house is a fucking tip as well. Is it a commune or something? Sorry, I can't get over how bad it is!

thanks user amey's crying

I imagine that it's black leather underneath that sheet

With greasy hair stains.

Ewwwwww

I need blinds, quite a lot of them. Thinking pleated / honeycomb for insulation, or maybe just plain roller. White. Not blackout but not sheer either, something in between. Silent Gliss looks nice but 💰💰💰. Any other companies I should look at?

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It's making me realise just how cluttered our place is, and how in need of decorating.

Here you go, hope this make you happy;

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Any good and reasonably priced carpenters that cover East (Leyton E10)?

When I look at my mortgage statement online, I can see the monthly payments that I make each month.

I can also see what looks like money being added to the balance (-£928 in December, -£927 January, - £835 in February)

Is there a good explanation for this or should I be concerned?

Presumably interest payments.

Verifying the calculation is hard as it is based on your outstanding balance and takes into account the day payments are credited to your account (which might not be the day you made the payment) how often they update the balance (could be monthly, could.be daily) etc. I have up last time I tried.

You can setup a google sheet to see your effective payments each month. That would only ever be out by one month maximum (depending on first payment date, etc). It's useful to understand the effect of overpaying, or imagining future funds if the property was sold.

Thought it might be this - had just assumed interest was deducted automatically but I guess it makes more sense to so it this way

Good tip on a sheet to track it!

This is a useful spreadsheet for calculating and comparing mortgages
http://www.locostfireblade.co.uk/spreadsheet/Index.html

After a year of trying to buy a Victorian / Edwardian 4 bed in East London we have given up.

Had an offer accepted today on a 4-bed apartment/maisonette in the same development we sold in last year in Stoke Newington.