The Key To Our Future

Ola Senors! 

Finally the day has come where Mr. Warehouse and I are within touching, tasting and smelling distance of our new home! To that in less than 24 hours I will be officially a homeowner, joining the league of people who end up staying at home binging on box sets and not going out on the lash for lack of money as every penny is been eaten up as they have joined the mortgage club. 

Gone are the days of controversial blog posts about "The Story of a Generation Robbed" and Wish I Was Born In The 80's! where I felt like a disadvantaged generation that has to fight for everything just to make ends meet. The world has moved on from the days of past generations and whilst I am now able to pay for just about anything using my mobile phone and share my opinion on something called "social media", my generation still struggles with the simple things such as getting a fair wage in the workplace and a decent place to live - Rented or Mortgaged! However, a few weeks ago I had a phone call from the Housing Association stating that the list of snagging given to the builders the last time over a fortnight ago had not been done at all and now we were to be expecting a provisional new Handover of 31st October 2018. But on top of all that was the bombshell that the floor plans we were initially shown at the point of sale were wrong. And not by a little either. 

The plan that my Fiance (I still like saying that) and I were sold was that on the ground floor as you come in the front door you would be greeted by the staircase on your right hand side. To your left would be the kitchen in a horse shoe shape with the door facing the oven on the exact opposite wall. Next door on the left hand side would be the downstairs bathroom which would include a privacy window facing out to our driveway. Entering through the door at the other end of the hallway to the front door would be rectangular Lounge/Diner, stretching the length of the property and leading out into our large garden through a patio door which would also have an adjacent window. Whilst the layout of the ground floor still contains the staircase on your right hand side and the same horse shoe shaped kitchen with the door facing the oven on the exact opposite wall, the downstairs bathroom was now to be positioned under the stairs on the right rather than the left meaning that a privacy window would not exist. Continuing through the door at the other end of the hallway to the front door would be a now "L-shaped" Lounge/Diner, stretching the length of the property and eating into the area where the downstairs bathroom was supposed to be. 

Upstairs on the first floor following on from the stairs positioned on the right-hand side of the property, we were expecting to have the main bathroom right in front of us with a large privacy window so as to allow for natural light, followed by the two double bedrooms to the front and the back of the property. Although this had changed from our initial plans and now will be the main bathroom sandwiched between the two double bedrooms and will not include a privacy window potentially making it dark and unnaturally lit.

After getting over the fact that the Housing Association knew all along that the floor plans, initial dimensions and specifications for the house had changed in the very early days of the build process, even before any bricks had been laid, I calmed explained that Mr Warehouse and I will need to view the property in person before we make any snap decisions. 

Of course she obliged and despite asking for months and months for a viewing of the property in whatever condition or state it was in within a few hours and by end of play that day we had a two hour slot to visit our new home and it's all new layout. Our contact at the Housing Association assured us that because of all of this that we would be well within our right to withdraw from our contract to buy going on to state that the responsibility would also live with the housing association in order to make payments to our solicitors, mortgage lender and mortgage broker, reimbursing us totally for our cost and making us at ground zero again. The other option we have is to suck it up and live with it, literally. 

Once my future Hubby and I had seen the property and had a chance to measure up not just the windows but also every nook, cranny and corner in order to draw up our own floor-plan we were already in the knowledge that both of us were highly committed to this purchase and with such a huge investment, the biggest any one person or couple will ever make in their lifetime, every penny of our savings we had was in this. The next few days myself and Mr Warehouse consulted our solicitor and further legal advice in order to ascertain what our next steps would be. With this in mind though, we did not have much choice but quite frankly selling us a house that was built completely wrong and not in the specified way we were told it would be is not on and I was angry. Still between decisions, I received an email from the Housing Association detailing that, nearly a week early, they had taken handover of the property finally and that we should probably consult our solicitor with a date for completion and move. 

A slightly presumptuous move I thought given the fact that we had not even accepted the property in its current new format, however after months of handover dates being missed, moved and postponed coupled with constant snagging and the odd issue thrown in for good measure, we finally had some good news! After looking at a couple of properties online and making the conscious decision that if we were to live in the flat much longer we would go insane or end up killing each other Mr Warehouse and I decided to take the adults decision and accept the property as it was. 

And so here we are with less than a fortnight left in our old, 18th-century-converted one-bed flat just outside the heart of Bedford Town Centre, I will soon be reporting to you from the idyllic countryside estates of Cranfield! Within the next twelve-hours money will be transferred several times over eventually ending up in the solicitors hand ready to go and for Mr Warehouse and I to finally get our hands on those stainless steel set of keys to our first ever home ...

'Til next time, Love A.Lou xx 

The Story of a Generation Robbed ...

Heyy, 

Sat on my second hand-sofa, in my cheap one-bed ground floor flat I struggled to hold back the tears and be happy for the other person on the other end of the phone. After the death of the Landlord, my Dad's girlfriend had recently found out that the property where they both live is being put on the market. With both of them being over fifty, the likelihood of them getting a mortgage was slim and renting would only solve the problem short-term until they retire, and then what? They had both spent the last few weeks stressing over where they were going to be living in a few months time. With some savings they were in a sticky situation but at least they had some savings, maybe not enough for what they wanted, but it was a start, something myself, nor Mr. Warehouse had not even managed to achieve yet. 

Apparently somewhere between the beginning and the end of last month, my father had found enough money for a large deposit on a two-bedroom new built property in an affluent area of outer Bedford. Listening to his excitement yesterday evening I really tried so hard to be supportive and what a "good daughter" should do in that instance. But it was hard, especially when only weeks ago I was explaining about mine and Mr. Warehouse's recent meeting with a mortgage adviser who has pretty much disappeared off the face of the planet since he found out we had no savings. At the time I spoke to my Dad about it in deep meaningful conversation and he mentioned to me on several occasions that he would love to help me out financially but he simply couldn't as he didn't have the money; A phrase which was common when I had difficulties involving financial cost, even when I hadn't asked him for anything. 

Now I am not ignorant or silly to know that when all this was happening, my father, and admittedly his girlfriend, were faced with some hard decisions and tough challenges. Stuck in a situation far worse than mine and with only a decade or two left before retiring their options were limited. So in that respects I fully understand them using the money stashed away from my parents divorce to fund a bright and colourful new home. Either support myself and my girlfriend by funding our own home together and long-term securing our futures together, or gift the only child of two I speak to the once in the chance lifetime of owning her own home and getting onto the property ladder once and for all. 

Of course it is a difficult situation but to be told one thing and then a matter of moments later to find out another is emotional-fuckery. If I am brutally honest I'm really having a hard time processing the lies he had told me previously about how he was not able to help out with the money, both in years gone by and in more recent times, all along knowing that he had enough for generous deposit on a swanky new home. Heartbroken I listened on to the tall-tales and arduous task of choosing tiles and kitchen cupboard doors for his off-plan bought apartment. Welling up I ended the conversation unhappy and on the brink of tears. This wasn't fair. 

As detailed in my previous post (Wish I Was Born In The 80's!) I feel like a robbed generation that has to beg, borrow and steal their way through life, just to make ends meet. The world has moved on and whilst we have better technology, medical advances and new threats to worry about the days of being in a job for the rest of your working life are gone, as are 100% mortgages and a loaf of bread the would cost under fifty-pence. Life now for myself and other millennial's whose parents didn't start them off in life with a Mickey Mouse Trust fund for Eton begins at the bottom. Virtually no chance of getting into University for all the other places have been taken by students who have money and come from a better background to I. Ergo the rest of us muddle our way though our late-teens and early-twenties trying to get by on a pittance of a wage, all because of the generations before us. 

Now by no stretch am I poor or even on the breadline; Mr. Warehouse and I have nice meals out, go on holidays or mini weekends away and are always treating each other to nice presents on birthdays and Christmas. And maybe that is our downfall for if we were not spending this on each other then we could plough it into a house of our own, but the simple fact is that it would take close to a decade to save and in that time I want my life to progress further than a poky flat in the centre of town. I want to get married and have children in that sort of time frame and I can hardly bring up a family when I am trying to scrape every penny I have into a Help-To-Buy ISA. 

I get that my Father couldn't have split his savings with me, although would have been very nice, it would have practically made no sense what-so-ever, so I do understand his actions, I really do, I just don't understand the porkie-pies he told to try and protect his small fortune and it s for that reason that this news will be a hard pill for me to swallow. 

'Til next time, Love A.Lou xx