Hello,
I knew that this week would be a strange one, but I never thought that life would be as different now as it was only a few mere weeks ago. The last few weeks have been strange to say the least, especially working from home which in the beginning was odd, and yet now seems more settled and I kinda have a routine. Boris (Johnson, our Prime Minister, and secret weird crush of mine) has yet to grace us with any more televised statements from Downing Street. This being said, however, his strict curb on life in the UK to tackle the spread of COVID-19 Coronavirus have certainly shaken things up but as the UK death toll has peaked so far at 1,408 I am left questioning what happens in future weeks.
Simply put, people have not listened, myself maybe being one of them. Like naughty toddlers, people did not heed advice from Government to stay at home (except for shopping for basic necessities, once-daily exercise, attending to any medical need or travelling to and from essential work). And so, as a necessary precaution in order to protect everyone, announcements were made that all shops selling non-essential goods such as clothing and electronics are being told to shut and gatherings in public of more than two people who do not live together are to be prohibited. The pubs, clubs, restaurants, bars and cafes are all closed and with nothing else left to do but to sit indoors and hope that this all comes to an end sooner rather than later. Unfortunately, some people still didn't quite get the memo as Parks and open spaces still became flooded on the weekend we BBQ-ers, sun-bathers and picnics. So much so that UK police have been forced to use their powers to enforce them, including fines and dispersing gatherings. Thankfully living out in't countryside allows us a little more freedom than some of the bigger towns and cities.
Truthfully, in the beginning, I didn't take this whole thing seriously enough, still don't to an extent. Although that doesn't stop my appreciation for those doing a good job in order to keep everything in the country ticking along nicely until this whole thing blows over. But the last couple of days since Bo-Jo's address to the nation like something from 1945, has really made me question my own situation, I suppose rather selfishly. Early last week, on Tuesday 17 March, moneysavingexpert.com explained easily how banks had agreed with the Chancellor that they will offer 'forbearance' (tolerance and help) on mortgages. This means they all should offer those struggling a three-month 'holiday', allowing customers a temporary break from having to make mortgage payments during this time. Something which I think will help us with some of the more recent developments to do with mine and Mr Warehouse's work situation.
For us, keeping up with bills and putting food on the table was never really a challenge, and might not be, but we are conscious about the ever-growing distance between us and that crack that seems to loom more and more as the days pass. Realistically having a forbearance on our mortgage at least will help a little, although I am hoping some of our other financial products such as car finance, credit cards and loans can catch up with the mortgage companies soon. It should help and maybe get us out of what could have been a very tight hole in the next few weeks and months, although after spending four-and-a-half hours on hold to our mortgage company last Thursday and then a further 3-hours the following Friday morning I was finally able to speak with someone. Feeling embarrassed I mumbled my way through the phone call with a lovely woman who explained that there was nothing to be embarrassed by and that everyone is in the same boat and to not worry or panic. And so, for the next three months, we won't pay anything, then when our mortgage repayments resume, the total we owe would be spread over the following remain years on our term, relatively speaking we will see a very small uplift in future payments.
Several days later, the UK Government announced a continuity of the COVID-19 Coronavirus package to help people affected by the pandemic which including a sweeping pledge to pay 80% of employees' wages if they are not working due to illness or to cover that of 'retained' employees, being those who would otherwise have been laid off due to the knock-on effects of the coronavirus pandemic. I mentioned last week that, hopefully, this will help many people who would have otherwise lost their jobs. However, it would seem as though I may be benefiting from this exact hand out ...
iNews.co.uk explains that Furloughed workers are those whose employers cannot cover staff costs due to the COVID-19 Coronavirus, and as such, they have been asked to stop working, but have not been made redundant. The website continues that "under the Coronavirus Job Retention Scheme, all employers in the UK will be able to access support to continue paying part of employees’ salaries who would otherwise have been laid off during the ongoing health crisis." This means that whilst the employee is not necessarily working, the employee still has all the same rights as they did previously including Statutory Sick Pay (SSP) entitlement, maternity rights, other parental rights, rights against unfair dismissal and to redundancy payments. This also allows employees to access all company benefits such as health care, health insurances and even pensions. Obviously, there is a limit to the amount paid will be capped at a maximum of £2,500 per month / per employee (nowhere near my salary - Sadface), and the Government is saying that all is to be issued through grants which can be paid out to any employer and “before the end of April” with wages will be paid backdated to 1st March 2020.
As it stands, I have yet to hear back on anything solid or any contractual changes that will ultimately need to be put in place before such a big rollout. I will hopefully find out the final results in the coming days, but here's hoping I can continue to work in whatever capacity that may be - Full Time, Part Time, Half Days, Full Days, Different departments - who cares! As long as I am doing something, my bit if you will, then I will be happy. Besides with no kids, childcare issues at nil, twenty-minutes drive from the office and having never taken ill since working for the company I would like to hope I would be a good candidate to keep the well-oiled machine going. I suppose only time will tell, and here's hoping that it will tell all soon.
'Til next time, Love A.Lou xx
Showing posts with label Mortgage. Show all posts
Showing posts with label Mortgage. Show all posts
Monday, 30 March 2020
Monday, 10 September 2018
House Of Cards!
Hello,
Sitting at my desk I finally plucked up enough courage to look at the clock only to see that it was gone 10am. And with that I knew that Mr & Mrs Tweedle-Dumb would be high in the skies over England, possibly the Atlantic at the moment, jetting off to start the adventure of a lifetime with her new husband in L.A. I was suddenly very sad at the simple prospect that we were not even sharing the same airspace anymore. Although to be fair it could have been a lot worse than it was at my desk on Friday morning. Only a few hours earlier after Face-Timing in the car with Miss Tweedle-Dee following a lovely evening meal out together I drive home thinking nothing more of it. Suddenly, then as I pulled off the A421 and headed down into the Suburbs of Bedford, a much enjoyed song of mine played over my car stereo. The Song in question was James Arthur's 2016 hit "Say you wont let you go"!
As I started letting the emotions - happy, sad, everything wash over me I became completely and utterly overwhelmed with sadness and heartbreak. The sobs began to get caught in my throat and slowly turned into gasps of air. Hot, wet tears rolled over my cheeks as I struggled to control myself. For a moment it crossed my mind how difficult it was to drive and cry at the same time. I thought about pulling over but it worried me that I simply would not be able to pick myself up and carry on, with that carrying on down the road slowly making sure that I turn in every right direction to get me home as soon as safely as possible. Pretty much parking the car, turning off the engine and running into the flat by this stage I was a hyperventilating mess. I stood in front of Mr Warehouse who was sat on the edge of the bed, bawling my eyes out and struggling to get the words out of my mouth. It was only the fact that he sternly asked me what had happened as he thought that I had run over a dog or maybe been in an accident of sorts. Finally I pulled myself together enough to tell him that it had finally hit me. My best friend had gone.
Sitting at my desk I finally plucked up enough courage to look at the clock only to see that it was gone 10am. And with that I knew that Mr & Mrs Tweedle-Dumb would be high in the skies over England, possibly the Atlantic at the moment, jetting off to start the adventure of a lifetime with her new husband in L.A. I was suddenly very sad at the simple prospect that we were not even sharing the same airspace anymore. Although to be fair it could have been a lot worse than it was at my desk on Friday morning. Only a few hours earlier after Face-Timing in the car with Miss Tweedle-Dee following a lovely evening meal out together I drive home thinking nothing more of it. Suddenly, then as I pulled off the A421 and headed down into the Suburbs of Bedford, a much enjoyed song of mine played over my car stereo. The Song in question was James Arthur's 2016 hit "Say you wont let you go"!
As I started letting the emotions - happy, sad, everything wash over me I became completely and utterly overwhelmed with sadness and heartbreak. The sobs began to get caught in my throat and slowly turned into gasps of air. Hot, wet tears rolled over my cheeks as I struggled to control myself. For a moment it crossed my mind how difficult it was to drive and cry at the same time. I thought about pulling over but it worried me that I simply would not be able to pick myself up and carry on, with that carrying on down the road slowly making sure that I turn in every right direction to get me home as soon as safely as possible. Pretty much parking the car, turning off the engine and running into the flat by this stage I was a hyperventilating mess. I stood in front of Mr Warehouse who was sat on the edge of the bed, bawling my eyes out and struggling to get the words out of my mouth. It was only the fact that he sternly asked me what had happened as he thought that I had run over a dog or maybe been in an accident of sorts. Finally I pulled myself together enough to tell him that it had finally hit me. My best friend had gone.
And as if life hadn't kicked me in the face enough the last week, following my most recent appointment with the doctor, they had advised to continue my medication whilst I awaited an appointment where I can be seen through the NHS for counselling. However things don't seem to be getting easier and the pressure that I am feeling from loved ones is becoming a little too much to bear. I know I need to sort out these issues but first of all I need to sort myself out. Trust me when I say that it is simply a long story that I may share with you another time, but for the meantime I am doing as well as can be and battling it through to make the best out of what I have.
Although hopefully fingers crossed we might be able to add a home to the list of things that we have in our Arsenal to make life a bit better! But with the house slowly coming to an end (I hope) we finally had the Mortgage Offer. At the beginning of last week I had several frantic phone calls from the estate agent. Making excuse to make tea and coffee for the team I headed to the kitchen and returned their call. Answering within a few rings I spoke to the gentleman who had initially sold us our new home. Sadly he did not have the news that we were hoping for and that are keys have not been handed over. In fact, what had happened that morning already was a rather important and integral meeting between the builders and developers of the plots and the housing association that we were eventually going to be sharing ownership of the property with. The local housing association had basically said that they were not happy with the standard of homes they were being given and that given the amount of snagging that needed to be done it may be some time before they would accept any sort of property from the builders and developers. I suppose in a way it is quite nice to see a company as large as that one looking out its future customers, even if it is all about selfish terms that if anything was to go wrong I would be calling up the housing association to come and put it right rather than the builders or developers.
Unfortunately the estate agents were not privy or of the knowledge as to what the smoking was or how long it could potentially be. The reality was that it was all internal and nothing structurally was wrong with the build, theoretically meaning that the snagging could simply be down to the fact that the paint job isn't done to a high enough standard or that a screw isn't screwed in properly to a door handle. Not really the best news that you want to hear over a coffee on a Monday morning I asked when the handover date was being pushed back until. It was at this point I nearly dropped the milk - New handover date was being pushed until the end of December 2018. Frustrated and angry I had to keep calm and remember that I was in a lucky position that I would be one day able to afford my own place of safety, tranquillity and warmth; something that many people across the globe even tonight will not have.
Tuesday morning I checked my emails only to see a reply from a contact I have at the housing association. She had apologised profusely for the fact that they would have to postpone the handover date a few more weeks due to snagging and lack in quality that they were expecting. With this in mind however, she did go on to say that the new handover date was to be expected on the 28th of September 2018, three-months earlier than anticipated yesterday. And there I was saying that buying a house was not stressful at all. Excited for the news that we would still be able to have Halloween, Bonfire Night and the lead up to Christmas all in our new home, I rushed home from work to tell Mr Warehouse. As yet we have not had any clarity on what else we need to do in the meantime however we have exchanged contracts which I think in basic terms just means that we are going into business. I am getting itchy and frustrated with not being able to move in yet but I am sure the time will come quicker than expected - Ready for the next dip in my Rollercoaster?
'Til next time, Love A.Lou xx
Monday, 18 June 2018
Uppers and Downers!
Hey Hey,
I thought that my week would never end. I'm trying to remember the last time that I had a week like that and truth be told I am glad that it is over. Stressed up to my eyeballs I was trying to juggle everything from buying a new home, work and attempting not to have a mental breakdown. Unfortunately, as with most things at the moment I fail in every direction. I think that I have really struggled this week both emotionally and physically with some of the challenges I have faced and all of that is certainly not easy when you are trying to battle depression to get back to the person you once was.
Although saying that, I have yet to tell my Landlord that my beautiful little flat, with its kitchen floor is beautifully covered in light grey wood effect vinyl, as is our newly lilac painted, white tiled bathroom is soon to be no longer called home for me and Mr Warehouse. After receiving a Mortgage In Principle / MIP a couple of weeks ago and reserving a property off plan last week the ball was certainly on a roll. With everything being so quick it wasn't long before we had our Approval In Principle / AIP. This is pretty much our next step in owning our own home and in basic terms means that the lender is accepting of our circumstances and will lend us the money for our home.
The next stressful thing in the long chain of events before we move in is to instruct a solicitor. The problem is that everyone is quoting something different. I have admittedly gone overboard in terms of asking every man and his dog for a quote. After going down the road of emailing every single person and company that could possibly give us a quote, I sifted through the sixty or seventy quotes in my email inbox and whittled it down to about ten. But weeding through them again and again I soon noticed that there were charges for things that I would have expected to be included, one of which being charged upwards of £30 just to transfer money from my bank account into their bank account and back out again. Some of the quotes were fairly reasonable however some ranged even into the couple of thousands and beyond. A ridiculous amount when you think about the effort that they actually put in, copying and pasting your name and other details onto an already drafted letter or email. All a solicitor is there to do basically to check that you have completed all your paperwork correctly. As if I don't hate scrutiny combined with constructive and corrective criticism enough, now I have the joyous task of having to pay for it.
To be fair I think we have found a solicitor in the local area that will not rip us off or charges for every phone call, email, text or letter. Hopefully with our Approval In Principle / AIP ticking along nicely and with our estate agents working it hard to get together a pack for the housing association it wont be long before we have got our keys! Still makes me anxious to know that essentially we have bought semi-off-plan. As explained last week, this means that we are going to be the first people to ever live in this house. On the one hand I like the idea of being the first people within a new home, however I have always falling in love with a property or building for the fact of its history including the people that lived in it and the what the walls could say about them. All the arguments, laughter and silly moments that are captured within the shear structure of a building add to its appeal for me. I know for a fact that Mr Warehouse thinks this is all a load of Tosh. I am sure that it will not take long for Mr Warehouse and I to fill our new home with laughter and happiness ... Fingers crossed at least!
'Til next time, Love A.Lou xx
I thought that my week would never end. I'm trying to remember the last time that I had a week like that and truth be told I am glad that it is over. Stressed up to my eyeballs I was trying to juggle everything from buying a new home, work and attempting not to have a mental breakdown. Unfortunately, as with most things at the moment I fail in every direction. I think that I have really struggled this week both emotionally and physically with some of the challenges I have faced and all of that is certainly not easy when you are trying to battle depression to get back to the person you once was.
Therapy this week was interesting to say the least and there was certainly a little bit more back and forth with my counsellor. Whilst my place of work have been amazing I acknowledge that it may be some time before I am right as rain again. I know that I have good days and bad days, however those of you that have suffered mental illness such as anxiety or depression will know just how well we are in "faking it til we make it" or just papering over cracks. I am sure that my therapy sessions will get worse in terms of me exploring more about why I feel like I do but I am willing to try anything right now. I know that I just need to focus and concentrate hard on what matters and soon everything will fall into place and get better.
Although saying that, I have yet to tell my Landlord that my beautiful little flat, with its kitchen floor is beautifully covered in light grey wood effect vinyl, as is our newly lilac painted, white tiled bathroom is soon to be no longer called home for me and Mr Warehouse. After receiving a Mortgage In Principle / MIP a couple of weeks ago and reserving a property off plan last week the ball was certainly on a roll. With everything being so quick it wasn't long before we had our Approval In Principle / AIP. This is pretty much our next step in owning our own home and in basic terms means that the lender is accepting of our circumstances and will lend us the money for our home.
The next stressful thing in the long chain of events before we move in is to instruct a solicitor. The problem is that everyone is quoting something different. I have admittedly gone overboard in terms of asking every man and his dog for a quote. After going down the road of emailing every single person and company that could possibly give us a quote, I sifted through the sixty or seventy quotes in my email inbox and whittled it down to about ten. But weeding through them again and again I soon noticed that there were charges for things that I would have expected to be included, one of which being charged upwards of £30 just to transfer money from my bank account into their bank account and back out again. Some of the quotes were fairly reasonable however some ranged even into the couple of thousands and beyond. A ridiculous amount when you think about the effort that they actually put in, copying and pasting your name and other details onto an already drafted letter or email. All a solicitor is there to do basically to check that you have completed all your paperwork correctly. As if I don't hate scrutiny combined with constructive and corrective criticism enough, now I have the joyous task of having to pay for it.
To be fair I think we have found a solicitor in the local area that will not rip us off or charges for every phone call, email, text or letter. Hopefully with our Approval In Principle / AIP ticking along nicely and with our estate agents working it hard to get together a pack for the housing association it wont be long before we have got our keys! Still makes me anxious to know that essentially we have bought semi-off-plan. As explained last week, this means that we are going to be the first people to ever live in this house. On the one hand I like the idea of being the first people within a new home, however I have always falling in love with a property or building for the fact of its history including the people that lived in it and the what the walls could say about them. All the arguments, laughter and silly moments that are captured within the shear structure of a building add to its appeal for me. I know for a fact that Mr Warehouse thinks this is all a load of Tosh. I am sure that it will not take long for Mr Warehouse and I to fill our new home with laughter and happiness ... Fingers crossed at least!
'Til next time, Love A.Lou xx
Monday, 11 June 2018
Building The Yellow Brick Road!
Hello Everybody,
Isn't it always sods law or otherwise known as Murphy's Law when you have organised and have everything in order ready to go only to find out that actually it was pretty pointless. Well that seems to be the story of my life at the moment. And so as the work starts to get under way in the flat, the kitchen floor is beautifully covered in light grey wood effect vinyl, as is our newly lilac painted, white tiled bathroom. The bare minimum has been done with what was originally discussed and needed doing, and to be fair there is quite a bit left to do in terms of bringing the flat up to standard. Although this may all be completely unnecessary waste of time for mine and Mr Warehouse's benefit.
As I spoke of last week, maybe with the constant reminder of how crappy our situation is in terms of not having the capacity to just do it ourselves and get it fixed or how we want it without having the worry of workmen coming in and out as they please may worked its magic. After receiving a Mortgage In Principle / MIP last week and with it now in hand I looked no further and immediately spent the rest of my lunch break calling up estate agents and housing associations looking for any properties that might be within our budget. Mr Warehouse and I have seen a couple of properties and as frustrating as it was to let go of some beautiful homes, we knew that we would find something eventually. After a couple of phone calls with a local estate agent I was, along with Mr Warehouse, invited into their offices for a chat. In the hour long conversation and chit chat that we had with the estate agent he gave us the confidence that maybe we could get our home one day.
I think the only downside that there is at the moment is the fact that we are buying a property off plan. This means that we are going to be the first people to ever live in this house. On entering I know that it will be cold and clinical however it will not take long for us to fill it with love, laughter and warmth. On the one hand I like the idea of being the first people within a new home, however I have always falling in love with a property or building for the fact of its history including the people that lived in it and the what the walls could say about them. All the arguments, laughter and silly moments that are captured within the shear structure of a building add to its appeal for me. I know for a fact that Mr Warehouse thinks this is all a load of Tosh.
Now it has not been fully confirmed yet that we can buy as our mortgage adviser is in contact with the estate agent to discuss the finer details, but one thing is for certain and that is that there appears to be a silver lining to be otherwise cloud that hangs over me. Over the last couple of weeks I have felt slightly more sunnier and I am solely holding the housing situation as fully responsible for making me smile more. I am certainly not back to the happy-go-lucky laughing and joking self, but in time I know I can be. Getting a Mortgage In Principle is a big deal in itself and I know that given this good news it can hopefully only get better.
Whilst it certainly won't make up for some of the other issues that I have going on in my life at the moment I really think and hope that my counselling sessions starting this week will make me feel all the more better. My place of work has been amazing and I cannot thank them enough for the effort and support they have given me. I had attempted to go through the normal avenues of the my GP and the NHS but I am still awaiting on a doctor's appointment to confirm my mental health instability and what I basically already know as a mild depression. I suppose that it must be difficult for those of you reading that know me quite well. Mental illness is something that I have always prided myself on hiding and trying my best to mask over, although it would appear on this occasion I have not been doing so well hiding it. I know that I have good days and bad days, however those of you that have suffered mental illness such as anxiety or depression will know just how well we are in "faking it til we make it" or just papering over the awkward questions about how I'm feeling or how things are going. We're quite good liars I'll have you know.
I really think that therapy will help me as it did last time. I just need to focus and concentrate hard on me and not others, taking everything just one step at a time so I can learn how to deal with certain things, life events and more--so the people around me. With my mood cloudy and stormy of late and certainly not feeling myself at all, the good news that I have been striving hard for may have potentially paid off.
'Til next time, Love A.Lou xx
Isn't it always sods law or otherwise known as Murphy's Law when you have organised and have everything in order ready to go only to find out that actually it was pretty pointless. Well that seems to be the story of my life at the moment. And so as the work starts to get under way in the flat, the kitchen floor is beautifully covered in light grey wood effect vinyl, as is our newly lilac painted, white tiled bathroom. The bare minimum has been done with what was originally discussed and needed doing, and to be fair there is quite a bit left to do in terms of bringing the flat up to standard. Although this may all be completely unnecessary waste of time for mine and Mr Warehouse's benefit.
As I spoke of last week, maybe with the constant reminder of how crappy our situation is in terms of not having the capacity to just do it ourselves and get it fixed or how we want it without having the worry of workmen coming in and out as they please may worked its magic. After receiving a Mortgage In Principle / MIP last week and with it now in hand I looked no further and immediately spent the rest of my lunch break calling up estate agents and housing associations looking for any properties that might be within our budget. Mr Warehouse and I have seen a couple of properties and as frustrating as it was to let go of some beautiful homes, we knew that we would find something eventually. After a couple of phone calls with a local estate agent I was, along with Mr Warehouse, invited into their offices for a chat. In the hour long conversation and chit chat that we had with the estate agent he gave us the confidence that maybe we could get our home one day.
I think the only downside that there is at the moment is the fact that we are buying a property off plan. This means that we are going to be the first people to ever live in this house. On entering I know that it will be cold and clinical however it will not take long for us to fill it with love, laughter and warmth. On the one hand I like the idea of being the first people within a new home, however I have always falling in love with a property or building for the fact of its history including the people that lived in it and the what the walls could say about them. All the arguments, laughter and silly moments that are captured within the shear structure of a building add to its appeal for me. I know for a fact that Mr Warehouse thinks this is all a load of Tosh.
Now it has not been fully confirmed yet that we can buy as our mortgage adviser is in contact with the estate agent to discuss the finer details, but one thing is for certain and that is that there appears to be a silver lining to be otherwise cloud that hangs over me. Over the last couple of weeks I have felt slightly more sunnier and I am solely holding the housing situation as fully responsible for making me smile more. I am certainly not back to the happy-go-lucky laughing and joking self, but in time I know I can be. Getting a Mortgage In Principle is a big deal in itself and I know that given this good news it can hopefully only get better.
Whilst it certainly won't make up for some of the other issues that I have going on in my life at the moment I really think and hope that my counselling sessions starting this week will make me feel all the more better. My place of work has been amazing and I cannot thank them enough for the effort and support they have given me. I had attempted to go through the normal avenues of the my GP and the NHS but I am still awaiting on a doctor's appointment to confirm my mental health instability and what I basically already know as a mild depression. I suppose that it must be difficult for those of you reading that know me quite well. Mental illness is something that I have always prided myself on hiding and trying my best to mask over, although it would appear on this occasion I have not been doing so well hiding it. I know that I have good days and bad days, however those of you that have suffered mental illness such as anxiety or depression will know just how well we are in "faking it til we make it" or just papering over the awkward questions about how I'm feeling or how things are going. We're quite good liars I'll have you know.
I really think that therapy will help me as it did last time. I just need to focus and concentrate hard on me and not others, taking everything just one step at a time so I can learn how to deal with certain things, life events and more--so the people around me. With my mood cloudy and stormy of late and certainly not feeling myself at all, the good news that I have been striving hard for may have potentially paid off.
Monday, 15 January 2018
Comparing Meerkats!
Evening one and all,
So after last week's blog post I thought that I would have lost at least something after attending a few more sessions at my local gym and after following the weeks of personal training sessions it would appear that all the hard work is starting to pay off. More and more people are starting to notice that I have lost a bit of timber. In fact, at my weekly meeting on Thursday last week I was told by my personal trainer that I had lost nearly two stone in the last 8 weeks or so. Hard to think that I have had several social events, two holidays and even Christmas as well. I am so pleased with myself and whilst I am still in the size 18 category in most shops I am certain that I will not be there for long. Anyway on with the show ...
This weekend was going to be a game changer and something that would hopefully change the spending habits of Mr Warehouse and I, all in preparation for us to hopefully own our own home. Be it this year or next (and heaven forbid if it is any longer than that) I would like Mr Warehouse and I to be in a home that we own, at least in part anyway. I know that it is almost as a pipe dream thinking that I might be able to move in and buy a house by the end of the year, but the way I see it is that if I do not aim high I will not get anywhere, constantly frittering away money on nothing. Obviously, that all being said it was almost a pointless waste of time getting up early on Saturday morning.
Waking after a late night watching crap TV and listening to Mr Warehouse tap away on his Xbox, we were late and to make matters worse what woke me up was a phone call from the bank. Unfortunately for me they were calling to let me know that despite my 30-minute phone call earlier in the week with a customer service adviser at the Call Center, the information I gave regarding wanting an appointment to speak with an adviser about saving for our first home and potentially about getting a mortgage had not been passed on. Infuriated, I certainly did not have time to discuss the reasons as to the Call Center's fuck up. Angry and annoyed at the fact that I had not woken up on time and was now about to be late to our first appointment with a different bank for the same reasoning as before. Running out of time, I ended the call, threw on some clothes and slapped on some make-up and headed for the car.
On arriving to our first meeting with a mortgage adviser, nearly 25-minutes late, Mr Warehouse and I stood in the queue like total lemons waiting for someone to come and talk to us. Once the in-branch staff had finished dealing with all the other busy customers and they had and finally got on to seeing us, it was far too late to do anything and as a result we were turned away. I suppose in a way it was my fault and I should have made sure my alarm was set and whilst it is not a major problem in the grand old scheme of things it was certainly annoying to have not one but two appointments for through on the same day, one of which at least was out of our control.
With this, I thought that Mr Warehouse and I would probably find somewhere for a cheeky fry-up and maybe a spot of shopping. Nope! Following a march out into the street from the bank foyer, Mr Warehouse and I started to crack with each other. The niggles and snaps came thick and fast as we both understood each other's frustration at the mornings activities, or not as the case maybe. Feeling like the world was against us, not to mention each other, we headed home and kept ourselves to ourselves. I was angry that we had missed our appointment and Mr Warehouse was not accommodating in any which way with what he wanted to do after the morning activities had fallen through. Mr Warehouse was annoyed that I was annoyed about the banks miscommunication and ergo missing our other appointment. The most frustrating thing about being in a relationship with Mr Warehouse is the fact that he does not want to argue and refuses to have any confrontation whatsoever. Everyone enjoys a good bust-up right?
Sitting in silence as I scrolled through my phone whilst the Bae cleaning the kitchen I certainly felt guilty for taking it out on him when it was not really his fault. Obviously I am a woman and would never let on that I was never in the wrong. Nevertheless when the dog farted and broke the silence we couldn't help but look at each other and laugh. Following our unfortunate morning we headed out in the afternoon in order to go and play with some Meerkats.
I had bought Mr Warehouse a present of being a zoo-keeper for the day for his birthday in August last year, and including looking after all animals and cute ones, scary ones and creepy ones he opted instead to look after some Meerkats. Certainly a once-in-a-lifetime opportunity and I would highly recommend the activity for anybody who enjoys animals and wildlife especially those with kids. Maybe not something about Mr Warehouse and I could take our smaller relative to due to the fact that they are either loud and rambunctious but also that my cousins are quite timid and are more like scaredy cats than Meerkats. A nice meal out courtesy of the whoever brought us the Nando's voucher for Christmas and a trip to the pub to watch the football on Sunday pretty much concluded our weekend. Suffice to say that it has probably been the most active of weekends since before Christmas I am certainly glad to be having things to look forward to instead of thinking about how far away our summer holiday is! Uhhh So Long!!!
'Til next time, Love A.Lou xx
So after last week's blog post I thought that I would have lost at least something after attending a few more sessions at my local gym and after following the weeks of personal training sessions it would appear that all the hard work is starting to pay off. More and more people are starting to notice that I have lost a bit of timber. In fact, at my weekly meeting on Thursday last week I was told by my personal trainer that I had lost nearly two stone in the last 8 weeks or so. Hard to think that I have had several social events, two holidays and even Christmas as well. I am so pleased with myself and whilst I am still in the size 18 category in most shops I am certain that I will not be there for long. Anyway on with the show ...
This weekend was going to be a game changer and something that would hopefully change the spending habits of Mr Warehouse and I, all in preparation for us to hopefully own our own home. Be it this year or next (and heaven forbid if it is any longer than that) I would like Mr Warehouse and I to be in a home that we own, at least in part anyway. I know that it is almost as a pipe dream thinking that I might be able to move in and buy a house by the end of the year, but the way I see it is that if I do not aim high I will not get anywhere, constantly frittering away money on nothing. Obviously, that all being said it was almost a pointless waste of time getting up early on Saturday morning.
Waking after a late night watching crap TV and listening to Mr Warehouse tap away on his Xbox, we were late and to make matters worse what woke me up was a phone call from the bank. Unfortunately for me they were calling to let me know that despite my 30-minute phone call earlier in the week with a customer service adviser at the Call Center, the information I gave regarding wanting an appointment to speak with an adviser about saving for our first home and potentially about getting a mortgage had not been passed on. Infuriated, I certainly did not have time to discuss the reasons as to the Call Center's fuck up. Angry and annoyed at the fact that I had not woken up on time and was now about to be late to our first appointment with a different bank for the same reasoning as before. Running out of time, I ended the call, threw on some clothes and slapped on some make-up and headed for the car.
On arriving to our first meeting with a mortgage adviser, nearly 25-minutes late, Mr Warehouse and I stood in the queue like total lemons waiting for someone to come and talk to us. Once the in-branch staff had finished dealing with all the other busy customers and they had and finally got on to seeing us, it was far too late to do anything and as a result we were turned away. I suppose in a way it was my fault and I should have made sure my alarm was set and whilst it is not a major problem in the grand old scheme of things it was certainly annoying to have not one but two appointments for through on the same day, one of which at least was out of our control.
With this, I thought that Mr Warehouse and I would probably find somewhere for a cheeky fry-up and maybe a spot of shopping. Nope! Following a march out into the street from the bank foyer, Mr Warehouse and I started to crack with each other. The niggles and snaps came thick and fast as we both understood each other's frustration at the mornings activities, or not as the case maybe. Feeling like the world was against us, not to mention each other, we headed home and kept ourselves to ourselves. I was angry that we had missed our appointment and Mr Warehouse was not accommodating in any which way with what he wanted to do after the morning activities had fallen through. Mr Warehouse was annoyed that I was annoyed about the banks miscommunication and ergo missing our other appointment. The most frustrating thing about being in a relationship with Mr Warehouse is the fact that he does not want to argue and refuses to have any confrontation whatsoever. Everyone enjoys a good bust-up right?
Sitting in silence as I scrolled through my phone whilst the Bae cleaning the kitchen I certainly felt guilty for taking it out on him when it was not really his fault. Obviously I am a woman and would never let on that I was never in the wrong. Nevertheless when the dog farted and broke the silence we couldn't help but look at each other and laugh. Following our unfortunate morning we headed out in the afternoon in order to go and play with some Meerkats.
I had bought Mr Warehouse a present of being a zoo-keeper for the day for his birthday in August last year, and including looking after all animals and cute ones, scary ones and creepy ones he opted instead to look after some Meerkats. Certainly a once-in-a-lifetime opportunity and I would highly recommend the activity for anybody who enjoys animals and wildlife especially those with kids. Maybe not something about Mr Warehouse and I could take our smaller relative to due to the fact that they are either loud and rambunctious but also that my cousins are quite timid and are more like scaredy cats than Meerkats. A nice meal out courtesy of the whoever brought us the Nando's voucher for Christmas and a trip to the pub to watch the football on Sunday pretty much concluded our weekend. Suffice to say that it has probably been the most active of weekends since before Christmas I am certainly glad to be having things to look forward to instead of thinking about how far away our summer holiday is! Uhhh So Long!!!
'Til next time, Love A.Lou xx
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