Wednesday, September 12 2018
This post is a collaboration between Feeling Ostomistic and Electricity Monster
You might recall from my post earlier in the year about "18 goals for 2018," that I wanted to find ways to reduce my bills/expenses - especially power - and that I wanted to do my bit to save the environment (such as getting solar panels installed and reducing my waste). I had read the Barefoot Investor and was determined to implement changes and see better financial stability this year.
Last year our bills were up around the $1000 a quarter mark, it was definitely a huge expense for us and each time the bill was due it was a stressful time.
I thought getting solar panels on would reduce my power bills dramatically and had hoped the huge outlay of costs would help us reap the rewards of cheaper power. We'd hoped we would see the value of our investment almost immeditately, but several months on we weren't yet to see a change in our bills or power consumption.
Our bills were still between $500-$1200 a quarter!
I was determined to find better deals and had tried to compare all the companies individually, but with my health and not having much attention span due to medications, along with not quite understanding all the charges and components of the bill and how to accurately compare, it was becoming a rather daunting and overwhelming task... so it was put in the "too hard basket".
I wished I had of known then that there were power brokers like Electricity Monster that existed!
It wasn't until this week that Russ was really wanting to get the power sorted, especially as it is heating up in the lead into Summer, when we would be using more air-conditioning and power (due to health reasons I struggle in the heat so need the air conditioning).
I stumbled across an article by Electricity Monster online when I was searching for "ways to save on your energy bill" and some of their savvy tips sounded great and easy enough to try and implement into our household.
As I scrolled down the page I saw a sidebar advert that said "do you want to lower your bills?" and I was very intrigued. I submitted my details and awaited a call back.
I can excitedly say that finding and comparing plans was so easy!
Electricity Monster are brokers for power and can help you find a better deal, even for internet plans too! And the process is so quick and seamless.
After paying almost thousands each quarter, the idea of not having a bill or if we do have end up with a bill it would be a very small bill, it is all very appealing.
I checked with Russ to make sure he was happy with the proposed new plan, and he was. So off we went changing providers, and we didn't have to do anything, Electricity Monster did it all for us!
But I am just so happy with how efficient she was at comparing all the deals out there and finding ways to reduce our bill to the point we shouldn't get a bill and if we do it will be minimal, and best of all I didn't have to do anything except send her a copy of our bill via email.
Wanting to try the service yourself?
It is absolutley free to do so, do check with your current provider if you have any locked in contract or any exit fees, thankfully it wasn't costing me anything to change and I am not locked in with Power Shop or have exit fees too, so if I find in 6 months it isn't working out I know I am not obliged to stay, but if the bills remain as small and minimal as we are expecting I shouldn't have a need to change.
I spoke to Cyprus who was a really knowledgable broker who has been in the energy business for a while, so she knows what she is talking about. She also deals in internet brokering too. You can reach Cyprus on her direct line 1300 232 848 or via direct email and feel free to let her know I sent you.
I really hope that you too can save money just like I have and I am excited at the thought of cheaper power bills (aren't you?).
Disclaimer: Whilist this was a collaboration between Feeling Ostomistic and Electricity Monster, all the experiences and opinions are entirely my own and based off my own experience of the company. I would never share something I haven't and don't use myself and this service helped save me hundreds each quarter off my power bill, and I genuinely believe you could save too
Friday, January 12 2018
I know I have chirped on and on (and on) about how we are struggling financially and that I am concerned about when I die and if Russ can manage it on his own. I know you're probably sick of hearing me go on about it, but it honestly is so stressful.
It is hard being on one income, I know it is overwhelming for Russ too.
So last week we got a letter from our bank informing me that as of today (the 12th) our mortgage will be going up $500 a month.
This really scares me.
Not only do I not know where I am going to pluck that extra $500 from this month considering we are already halfway through the month, but that I really am so stressed and upset.
Yes, I acknowledge my priviledge in that we have our own mortgage, but even when we were renting things were hard and the rent assistance really made the world of difference when it came to our budget. But it doesn't mean that things instantly became easier when we got out mortgage. I didn't realise how much harder it was to have your own place.
I see how worried Russ is over this and I know he is on the fritz of losing it as it was before this letter, now he is just even more stressed. I feel so guilty, I know it isn't my fault and that I couldn't help getting sick but it is my age old issue with that I should have gotten life insurance earlier or made more of an effort to do extra super contributions when I worked as it would mean I have more than $3000 in super.... which I am still fighting to get out mind you.
That is a fight for another day.
Yesterday I got a copy of Barefoot investor in the mail (thanks to a beautiful friend buying and sending me this copy) and started reading it, I have heard everyone rave about it and how effective it truly is, so it gives me hope for the first time that maybe I can get things under control this year.
It is one of my goals to get things neater for Russ, I don't know how much time I have and I think it will just be a massive peace of mind to know it is under control.
We have our mortgage, debts, car loan plus our other bills. So I try each year to review things to see if there is savings to be found, so I am hopeful that this book will help me even more.
Plus, it is one of my goals to read more too, so this is already tackling my goals for the year.... maybe this year is getting off to a stressful start but it might be turning around? Always hopeful that things will get better, surely they have to?
A friend has put me in touch with a broker and hoping we can find a new bank with a better rate and can consolidate our debt which will mean freeing up a lot of weekly expenditure and might mean we can afford to start saving.
So tell me, have you read the book? Did it help you? What was the biggest take away you had from it?
I will let you know when I have finished reading it and what progress I make.... until then, wish me luck!
We also got Solar Panels on recently, they had a 5 year interest free offer, so we are really hoping that on our next bill we can see a difference, otherwise I am going to be rather upset. Russ assures me we will be better off and that it will improve the value of our home too. Do you have solar panels and do you see a difference? Next bill is March, so will let you know if there were savings to be had.
As always, thank you for listening and wish me luck as I tackle this mammoth task!
What goals are you hoping to tackle this year?
Saturday, September 16 2017
Is it only me who feels like the last year has been a complete blur? I know this is how it feels for me! I started writing this post back in 2015, then wrote more a year ago but only now have I finished it. I know it is long, I am sorry, but excitedly it was something that took time to write and unfold. I am not writing this as a brag post, merely sharing the process and how we got to building.
12 months ago we got given the keys to our first home... I remember this day so well, as if it were only yesterday. Gosh, that year has gone so fast, crazy!
12 months ago I didn't even think I would be here a year on to celebrate!
We finally were getting our house, a house that we worked hard and sacrificed over years to get, the house that I thought I wouldn't be alive to see. It was a massive goal and dream of mine (well, ours) to have our own home.
I know a lot of people have judged us for "not really doing it hard " when we were able to build a house and loved making up rumours that we were rich, but we weren't and aren't flushed with cash by any means at all. We saved and sacrificed and worked hard over years to get our own home and we had our fair share of setpacks and hardships during those years, but we never gave up hope.
I have copped a lot of flack on my blog and my facebook page about building and buying our house, I have been told I am a fraud, I have been on the end of horrible jealousy and judgement when inviting people into our home.
While I acknowledge that yes I am fortunate to have my own house, I really don't deserve the vitriol and to be made to feel ashamed of having my house or that I could achieve something that I have always dreamed of doing which was to be a first home owner.
I acknowledge that it is very unaffordable to live in places such as Sydney or Melbourne or Brisbane and it is harder for first home buyers to afford their own house. We live in an area of rural NSW where house prices are a fraction compared with those in the bigger cities.
So this is not a brag post in anyway, it is a post that showed our story to how we remained hopeful that one day we would be lucky enough to be home owners. A story of how we eventually got to something we talked about for years. A story that I want to share of our house and how it came to be....
It was cheaper to build a house than buy one, but it doesn't mean we aren't still struggling each week to make ends meet. I still don't have any life insurance and still haven't gotten my super out, we are still drowning in over $15k in credit card debt.
But out decision to have our own house came down to several factors:
How we got here:
We would apply for a homeloan every 6 or so months since early 2010 and usually would be declined and told to come back again in 6 months and try again.
We were fortunate that with Russell's income, we had worked off some of our debts to look more appealing, the little we had saved over the years and the low interest rates meant that the banks were willing to offer us a homeloan, we weren't even expecting a yes that day, I remember we went home and we cried and hugged for hours that FINALLY we could be getting our own place.
It was a dream come true, really!
But for what we needed there wasn't anything in our budget that didn't require a lot of work and rennovations which was money and stress we couldn't afford. Also, because Russ was still on his L plates or his learner's license we were more or less confined to living within walking or riding distance to work, which limited the area we could look at.
We also wanted a house that was:
If we were lucky to find something that ticked most of the boxes it still needed a lot of work done.
I know it sounds like surely a lot of places would easily fit our budget, but with only a budget of $350-390k our options really were limited to:
Deciding to build over buying an established house:
We had mostly given up all hope of having our own home, then the bank manager said these 5 words: "have you thought about building?" and it changed everything. Yes, we had thought about building and No, we didn't think it were possible based on quotes we had years ago the house cost more than our entire budget!
We had always hoped to move out of Coffs at some point and preferably would move to Woolgoolga. We had always felt Woopi felt more like home for us and Coffs was just far too busy, noisy and crowded for our likes. It was close enough to Coffs if we needed doctors or work but far enough away. It is only around 20km north of Coffs Harbour.
When we looked into land, stand alone house costs to build or house and land packages in Woolgoolga (and surrounds) we noticed that the land outside of Woopi in older beachside towns/suburbs was cheaper too approx $200-300k difference in price than in Woopi but only 5km away.
Russ was keen on the move too and I told him he wouldn't move until he had his P's, so he became more committed and took up driving lessons and actually would drive most places to get his confidence up. Excitedly he got his P's first go in June last year (2016), I cried tears of joy and relief and was so proud... been a big year for milestones for us both!
We found this perfect house and land package that fitted our budget perfectly that we drove out to Woolgoolga that next day to enquire. We got to the real estate office and told that the contracts were exchanged earlier that day and that it was now off the market.
I felt a bit bummed out, it was the last available block in the estate, I felt like the hope I had for our future was gone.
But, alas, there was hope again:
On the drive back to home (Coffs) I called into the display home for the builder the earlier package was from and wandered inside. I told the salesman we were interested in the property that was sold earlier that day and if he knew of any other developments coming up that we could secure something early to avoid missing out again.
He replied: "I think I have something for you", feeling hope returning he ushered us to have a seat at his desk. He pulled out the estate plans and circled LOT 14, he said "a block has just become available today after a couple pulled out due to finance falling through, it is double the size of the one you were keen on for a fraction of the price. It is in the first stage release and building can commence in the New Year".
I was so surprised when the builder said the house could be built for $235k! I almost fell off my chair. It included rendering the house and we opted to get airconditioning installed post build as we ran out of money in the budget initially. We had to pay for extras like fencing, tiles on the outside patio, landscaping, turf etc.
It was 16 September 2015, (year to date later we got the keys and moved in) I was due to start chemo in the coming weeks and not knowing how long I had to live, we wanted to do whatever it took to secure this block and start the build, so we could move in the following year and thus ticking off another life goal of ours.
I looked at Russ and asked him if it felt right with him and he was definitely keen, so keen he handed me his credit card. We handed over the deposit they needed which was only $1k - and we just put it on the credit card so we didn't miss out.... and so the process began!
I think the sales person thought I was nuts for opting to build a house while undergoing chemo.
But you know what, I think the build was the one thing that helped me to get through chemo - knowing there was something so exciting to look forward to- it became the best part of my week driving out to check the house progress.
Which brings us to 12 months ago today!
The house was 3 months behind schedule which meant that it was 3 additional months we hadn't quite budgeted for with the additional rent and were struggling. We were paying rent of $375 a week plus the mortgage on a house we weren't even living in, and I was so stressed trying to pay all the bills and afford to eat that we added everything to the credit cards (which we are now drowning in debt to repay and get on our feet).
But the day for final inspection and key handover was finally here, after being pushed back weeks and even days that same week, Friday September 16th had arrived!
We had to be out at the house by 7am sharp ready to do the handover, Russ was having to leave for work by 8am and our furniture pieces (spare bed, lounge and outdoor setting) were due to be delivered at 8am too, the fridge and dishwasher would arrive at some point that morning too. It was absolutley pouring, so much rain and very wet and muddy.
When Russ left, it was just me at the house all day without a car as he took the car to work. I remember just walking around the house all day just feeling so surreal that this was actually ours. Everything looked so new and shiny and was too perfect to live in, I was scared to make a mess. That new house smell too, it felt like I were on holidays.
The builder gifted us a picnic hamper and wine, which came in handy as we hadn't thought as far ahead about plates/cups/cutlery! Was a very thoughtful and unexpected gift.
Wasn't long and I scratched the wall and the place felt like home.
Our first night in our own home:
That night we ate pizza out the back on the patio on the new outdoor setting (was our only table setting for a fortnight) using the picnic hamper the builder left as a gift for us, and we toasted to our first night in our house drinking homebrand pineapple fizzy!
We slept on the spare bed that had arrived earlier that day and I never stepped foot in the old house again.
Never have I ever felt more at home before, but here I feel so happy and we truly love it here. It is so quiet compared to where we lived which was on the highway in Coffs Harbour at one of the busiest traffic intersections.
I feel healthier in this house too, which sounds strange to say as I am dying from cancer. But, the old house I think was making me sicker than I was already as the house leaked/flooded everytime it rained, normally in winter I struggled to breathe and my asthma is horrid - this winter I wasn't in hospital once! It is normally my second home in winter as I can't breathe. Could be there isn't the added pollutants of the traffic too here.
We just love it here!
It is only 17 minutes for Russ to drive to work of a morning and after he got used to the routine of driving of a morning instead of just walking or riding his bike he was fine. He is a lot happier here too.
Woolgoolga was where Russ called home for most of his life, he said it feels great being back.
The town is so welcoming and kind, everyone is always saying hi and smiling, kids you hear laughing and playing in their backyards, they too seem happy which makes you happy too knowing others are happy.
But the 5 best things about finally having our own home is:
It was a long road to get here, so many times we almost gave up along the way thinking that it would never happen. Never give up on a dream.
I had some people when we said we were going to build say to me "but you're dying, what is the point really?". How I saw it, was that no matter what my prognosis is, Russ still needs somewhere to live.... but why should I give up hope on seeing a dream I have always hoped to come true just because I won't have a long life. I know it is hard at times to understand why, but everyday that I am alive I want to live a life I love and that I am proud of... just because I am dying doesn't mean I stop wanting to live or to achieve my heart's desires... dying just made me want to move a lot of things along earlier than expected.
Please keep an eye out for more posts I am writing, I am catching up on over a years worth of posts. But if you want to ask advice and you haven't been able to find it on my blog feel free to contact me or check out my facebook page too as I often blog on there too.
P.s if you read this far, thank you! Russ and I are working on some more posts about the build and advice for others just lessons we learned along the way, so keep an eye out!
Sunday, August 13 2017
It is hard to believe that it is almost 12 months since we have moved into our new house!
I have been so busy trying to live and love life, plus enjoying the good days, that we haven't yet completed unpacking our house and we have so much left to do. This has had me feeling rather disappointed in myself as I was really hoping to have had the house set up and finished by now. So while we have nothing planned for the next few months, I really want to focus on finishing the unpacking and working on styling the house.
Having a beautifully styled house that I am proud of is one of the things I wanted to tick off my bucket list!
The first room I want to finish is our master suite (bedroom and ensuite). I spend so much time in my bed, bedroom and ensuite, that for me it is my most used/lived in space. I really wanted the room to make me feel happy, safe, comfortable, relaxed and proud; but more importantly, I want others visiting me to feel the same sense of comfort.
I had hoped by now to be able to have afforded a full room makeover, or to be on our feet financially for that matter. We have been adding pieces to the room as our budget has allowed us over the last year, but we still have a way to go. I love a good bargain and hunting for things
Russ thought it would be a good idea to perhaps write a blog post as a wishlist of what we want to achieve so that in a way we can hold ourselves accountable for ticking off this goal of finishing the house, and especially our room.
So, this is the accountability post for completing my master bedroom and my wish list for the tropical styled things I want in it.
I promise to do an 'after' or finished/completed type post, otherwise I will share the gradual progress on social media until then!
With spending so much of my time in bed, or unable to get out to shop in person, a lot of that time is spent just browsing sites to get a clearer picture of styling/product ideas. It is always nice when companies have a good online store with stock updates that are timely and reliable. If they have social media too you can see how other customers are using their products to style and get ideas from actual users of the products. I know I browse through Fantastic Furniture and Pillow Talk online all the time (as they are two stores close to where I live), always keeping an eye out for sales or new stock. I have a few other sites that I regularly do the rounds to check for the latest products, styling ideas or latest sales (I wish the reject shop had an online store), it really does help to pass the time when you are otherwise stuck in bed.
Another way to pass the time and find inspiration is Pinterest! I only hope I can create and style a Pinterest or Instagram worthy house on a budget!
I am hoping the quilt isn't the reason the styling of the room falls apart, so I am hoping I can make it work to pull it off! I really love this quilt especially as on the reverse side it has this nice aqua colour + it matches with my purple (fave colour) sheets, so not sure if I want to part with it. However, if necessary to better the room then I might, but it makes me feel so happy and that is my priority!
Were I to change quilt covers if I felt it (the above quilt) really wasn't a fit, I have found some others from Pillow Talk and Spotlight that I have pictured below. It is so hard to choose what one I like the most, so these are my top 10! Pics to the left are from Pillow talk and pics to the right are from spotlight respectively.
We purchased it back in 2012 from Beds R'Us and it was looking amazing until Dusty recently decided it was in fact his clawing post (I cried, it was heartbreaking to see/hear). I had thought about upgrading our bed but my heart is too set on it. It is a king size; it is leather which is easy to clean; it is white which means ANY quilt cover looks great and that it can be suited to any theme; it is the right height for me and doesn't hurt to get in and out of like our timber bed before; and besides, it looks so elegant too!
I know Russ has thought about upgrading our king bed maybe after I die, he feels it is too pretty for a guy and too hard to keep clean because it is white, not that he wants to remove my existence from our home- just he might feel like a change, who knows? If he/we did upgrade this is one that he has his heart set on.
Something to note is it is made from Acacia wood sourced from sustainably grown plantations (which is a tick from us as we try to be environmentally conscious), but the beauty of this timber is that it would beautifully match a tropical themed room! It is a bargain at $799 with 6 years warranty too (I think Russ is all for extending our warranties from his job as a salesman), as opposed to the $3500 we paid for our current bed, so if we/he upgraded it is a nice and affordable option indeed. Felt pretty solid too.
I have been wanting the TV set up in our room so that I could watch Netflix, a movie or catch up on missed TV shows. I'm not well enough to sit out of bed for long most days, so having the TV in the room would help. I am struggling typing or holding my phone and iPad the last few months, the nerve damage from chemo and the tumours are making it painful to touch things. I try to use my iPad but it is frustrating sometimes at how small the screen is or at the lack of sound (remembering I am deaf in one ear) so it makes sense to set up the TV where I can see it comfortably.
So Russ one afternoon last week told me to stay in the lounge room as he had a surprise planned... surprise (see picture below)! He had set the TV up on top of some cheap/flimsy bookshelf from the shed. Doofus! I loved the sentiment, but I am so worried as Dusty is a climber who likes jumping on shelves. But it has been great the past week enjoying TV from the comforts of my own bed!
We have been looking into options to put the TV on. It needs to be at a height of 900mm or higher due to laying in bed and not having a clear view if any lower.
So we have found two options: We thought that a chest of drawers would give the best height plus allow for additional storage. Russ wants the tall 4 drawer as it is 150mm taller than our current set up, but aesthetically I think the 6 draw would look and fit the space better - though it is 100mm less (but TV is awkwardly watchable). The two we like are in the Toronto range from Fantastic Furniture and there is only a $100 price difference. I can't decide, but once we do we will enquire into layby options to pay it off over a set period which makes it more affordable. I know $599 or $699 respectively might not seem like a lot - but it is for us when there isn't a lot in the bank.
We needed to get a cupboard for the hallway (can never have enough storage) and Super Amart had a 'buy one get 2nd item half price', so we only paid $225 for the armchair (it all went on our G.E. interest free card)! It is the 'James' and is the same as the lounges in the living room and it is wide enough so I can sit in it comfortably - if I want to sit and read, it has big arms and is really spacious. Russ often sits there reading a book while I am sleeping, especially on my bad days, so that he can watch over me and feel he is close by. Dusty also has claimed the chair as his, so just like every other part of the house this was business-as- usual.
The chair for us was a must have for the future too. There will come a point when I am declining in my health and I want people to visit me and be comfortable. Russ tells me that it is 'typical Talya behaviour - always thinking of others needs', but all I want is for people to want to visit. It is a fear that I will be dying and be alone and I don't want to die not knowing that I am loved. So this chair is important and it gets used often.
When we were in Fantastic Furniture recently I stumbled across this flamingo canvas artwork (below) that has all the colours of my quilt and is keeping in with the contemporary tropical theme, Russ really liked it too, so we are hoping to get it when we can afford it. It wasn't much, around $49 from memory.
I also enlisted the help of Foote and Flame to cut out some bamboo shapes of different tropical leaves so that I can hang these around my room and make an art piece from it. I also found some cheap tropical leaves in Kmart for $3 in various sizes and styles too. I know pillow talk have some too. I am hoping on the next day Russ has off to look at placement of the wooden and artificial leaves.
I know we are trying to fit a lot into such a small space and I do hope that in the end it all looks as homey and relaxing as it does in my head. I am hoping now that I have written this that it holds Russ and I accountable for getting our house sorted. I know 12 months ago I didn't think I would still be here today and I know the outlook isn't too great for the next year, but I just really want to feel calm knowing my house is in order.... literally and figuratively! I want to not feel anxious over if I have done enough or if people are judging me.
I am really wanting my room to be my tropical escape as I won't have the ability to travel there myself I want to bring it to me.
I am also not an interior designer or stylist, so I don't know if the mood board I have in my noggin' is going to work, I will just have to see won't I!
If you know of any tropical themed wares over the coming weeks and months feel free to let me know so I can check them out. I am really wanting to have my room finished by Christmas/New Year at the latest. Plenty of time I know, but if the last 12 months have taught me anything it is that Russ is a snail (when it comes to getting things done) and time certainly does flies by!
So tell me, do you have a themed/styled room or house? Which room of your house is your favourite?
Monday, November 21 2016
I have never been much of a morning person even before I got sick, and the last year or so I generally don't start my day until later in the Morning.
Moreso lately, my health often sees me in bed until mid afternoon.
So it can be understandable that I might miss the occasional knocks at the front door, especially if I am in a deep sleep, or there's been many times where I have been in pain and tried to jump out of bed (read slowly stagger) to only get to the front door and missed getting to it in time.
It is so FRUSTRATING!
I always thought there should be a doorbell that can connect to your iphone and alert you to when someone is at the door, or better still if you could communicate with them.
So Russ and I in planning our house, we thought about issues like this and considered having an intercom system set up near our bed, but it was looking to be rather expensive.
But alas, imagine our delight when we found a doorbell at our local JB HIFI store that not only allowed us to get push notifications on our phone (providing our phone isn't on silent like last weekend where we didn't realise my mum was outside waiting for over 15 minutes), but also has video and audio too (acting as a video intercom)!
It has been such a help to me since we got the 'ring' doorbell.
Most of the time when I get out of bed my stoma is leaking, so it is rather difficult to try and get to the door in time with a leaking bag. So I have found it helpful when I am dealing with a bag leak or if I am in bed too sore to get up just yet, that when someone rings the doorbell I can see who it is and talk to them.
Often it is the postman with a parcel (not that I shop online a lot, but I get my Xmas shopping out of the way early and online) so it is convenient to say hello and to ask if the parcel needs a signature. I just explain that they can leave the parcel at the door for me and I will collect it when I can get to the door.
I also have spoken with the parcel lady before about having cancer and quote often it takes a moment for me to get to the door.
But it is also good having this doorbell when there is unsolicited doorknockers and I don't have to feel rude for wanting to slam the door in their face. I can just open the Ring app, see who it is and talk to them.
They also have a security camera system available too (we have a couple of cameras set up) where if there is motion in the area you get alerted to it, or you can live stream the video if you are out and want to check up on the house (or the kids) and you can also talk to and hear noises going on.
They are a little expensive, but for the convenience and amount of times it has helped me since we moved in over a month ago is significant. For me it is a tool that is helping me avoid hurting myself getting out of bed in a hurry.... and to give me a little bit of dignity in the mornings too.
DISCLAIMER: This is not a paid or sponsored post, I was not asked to write about the product by the manufacturer or by JB HIFI. I am also not biased on my opinion or experience because it was purchased from my husband's place of employment. I nor my husband receive any benefit by me sharing my experience on this product. This view is purely my own and I am sharing in the hopes that others (like me) who have struggled in the past with trying to get to the door in time, might now have a more convenient solution.
Tuesday, August 09 2016
I am so excited! Our house that we have been building (for what feels like years), is FINALLY at the 4 weeks to completion point.
This means that in 4 weeks we receive our keys and we can start moving in, ending our time as tennants and time to pay off our own mortgage.
This will also be my final house I will ever live in, and if my plan for an at-home death falls into place this will also be my final resting spot... and this is a dream come true, something I never thought I would get to experience.
In my 25 years I have lived in something crazy like 47 houses (I can name every single house) because my parents rented and sometimes we moved every 3-6 months, and then I have moved a lot in my adult life too.
So I am pretty excited to finally have a house that I can make into a home and not have the stress of house inspections and being evicted and having to move EVER AGAIN.
I am also pretty excited for my garden escape to be built and to have a place I can go to escape that is my happy place.... some days I really need somewhere outside of the house I can go and have privacy (and where we currently live that isn't an option as there is no fenced yard).
It took a lot for me to want to ask for help to create the garden escape for me, and I felt that some might feel that a garden was a silly dying wish to have, but it has been something that I really want and need... especially as I am mostly housebound and this is rather isolating and some days I am so down and depressed I don't get out of bed.
I know things will only get worse as time goes on, so I know that I will need this. I used to love going to the botanical gardens when I was sad or angry and it was my happy place, but I can't walk far anymore before being in too much pain so Russ wanted to try and bring the garden to me.
Russ set up a gofundme page to try and raise the funds needed to make this magical garden escape for me, and we have been so humbled and appreciative of all the support and donations so far! The link to the gofundme and to read my story thus far, https://www.gofundme.com/gardenfortalya.
For what the working bee will involve (for those who have expressed interest) and my vision for my special garden and landscaping, please read on below. There is two sections: the main special garden (is my priority), but we also would appreciate any help in the rest of the landscaping (such as turfing, creating some gardens, laying pavers, mailbox) etc.
I have had a lot of family and friends ask what help we need in the garden, but also what things we need for the house. So I decided I would write this as a blog post so that I can just send them the link and they can read it, as opposed to me explaining it repeatedly.
Please note: I am not writing this expecting to get things for free, expecting charity or expecting anyone to buy things on our list out of obligation; especially as some of the things we need are costly. But if you want to help in the form of letting me know of a good sale going on, or a tradesperson that you know can help (and won't charge an arm and a leg and is reliable/trustworthy) please let me know! Or if any businesses would like to help out with a discounted price on an item we would be so grateful... I am really wanting to make a home that I can comfortably live out the rest of what time I have left.
1. Why a working bee?
As more and more people expressed interest in helping us, Russ and I decided that we would organise a weekend after we had moved in and settled in where we could invite people over to help us with the labour of helping our garden and landscaping. Neither Russ or myself have skills when it comes to building things and neither have had a house where we needed to do gardening, so we really appreciate all the help that has been offered.
Due to my tumours and state of my health, I won't be able to get out in the yard and help, but I am planning a lovely lunch/BBQ for everyone as my way of saying thank you but also making sure that everyone is well fed and has fuel to continue on into the afternoon. [If anyone would love to be my BBQ cook, please let me know].
I also hope that this working bee will feel like a community type project that brings people together and know that they are making a huge impact in my life and helping me to enjoy what time I have.
Once we have moved in and I have more of an idea of dates, I will create a facebook event for people to express interest in the working bee (to help me also to know catering numbers).
No one is to feel obligated to help in any means, we just thought it would be a nice way to bring together people who are able to help out.
As Russ and I have invested all our savings into building this house and paying for my medical expenses (keeping in mind we are a one-income household and are really struggling), we are trying to save money where we can.... so by people offering to come and lend a hand to save us paying someone in labour costs is really helping us out.
2. Help we need for the special garden (and help at the garden working bee):
The gofundme page that was set up by Russell will be used to fund this special garden, at the moment we are at 50% of our fundraising target and most of this funding will be consumed by the pond and water feature installation and the creation of a rock bench and pavers. I also need to buy a fence and gate, plants and koi fish... it would be awesome if we could reach the target goal and I can have the garden of my dreams and my true tropical Oasis... it is quite a big garden measuring 6.1m x 15m!
✰Pond and water feature installation:
✰Bamboo like plant for a screen:
✰Hardy oriental type plants:
✰Pavers and garden path:
✰Colourbond fence and gate:
✰A nice big feature rock:
✰A bonsai tree:
3. Other areas of our garden/landscaping we would love help with at the working bee:
✰Garden Shed installation & concrete slab:
✰Timber trellis/pergola thingy:
4. Our list of things we need/want (in no particular order of importance):
✰Upright Freezer and cooked/frozen meals:
Russ' mum has bought this one for us as a housewarming and is planning on cooking a bunch of meals I can freeze and reheat for dinner, and the frozen meals will help so much.. if you feel like cooking a bunch of meals too I will happily accept!
We honestly in 7 years have only ever bought 1 teatowl and it hangs on the side of our fridge... it was meant to be this cool bamboo and super absorbent but it does jack shit! No joke it is useless.. so we end up using towels to wipe up the dishes and I really need FUNCTIONING tea towels that dry and don't leave fluff all over the plates either.
I really cannot wait to get started on the garden and to make this house into a home. I hope those that come to the working bee will enjoy the BBQ.
Much love and so many thanks,
Monday, June 20 2016
It was almost a year ago now that my husband and I finally got a pre-approval for a home loan, after trying for over 6 years!
We were looking into buying an established house, and then a townhouse within a resort (but the strata was over $12k a year), so we were back at buying an established house. But we struggled to find something within our price range and budget that didn't need work done to it or had a pretty decent (and not squishy) bathroom.
But we couldn't find one that we fell in love with.
We then thought about buying either a block and building on it or a house and land package. We were out at Woolgoolga (where we have been wanting to move to for 6 years) and found the perfect house and land package that was well within our budget (and meant a little left over at the end for incidentals).
But when we enquired that afternoon, the contracts had just been put through and signed and was no longer available.
We felt a little disappointed that we missed out, but on the way home I decided we would call into the display home at North Sapphire Beach and just ask if they had any others coming up in the area within our price range.
The sales guy said there was actually a bigger block of land that was also cheaper that had come available that morning (due to finances falling through) and if we wanted a bigger house than the other house and land package offered that it was certainly affordable... all we had to do to secure the block so it wasn't available to anyone else was pay a deposit of $1000 which we did on the spot (we weren't letting this one go).
So fast forward to November and the land was finally registered with council, which meant we had 28 days to finalise our finances and sign the contracts, which happened a couple of days before Xmas... what an expense Xmas present to us!
So it wasn't until March this year that the slab was laid and the framework started, and we have been told last week that we are at the 4 weeks to completion mark, and I just cannot wait!
But during the process of building, especially as this is our first house and we have never built before, there were some things that we hadn't factored into our budget or allocated money to, and I thought that I would share these in case they help you too.
#1. You start paying electricity bill when the house starts getting built
#2. Budget in an extra 2 months of rent to allow for delays
#3. If you are renting, consider cheaper options to live to make building and living easier
#4. Really know what is and isn't included in your build
#5. Ensure that there is insurance on your house from the moment construction starts
#6. Ensure that your insurance is ready to kick in a couple of days before the hand over of keys
#7. When buying furniture or planning your space, take your house plan and measurements.
#8. Prepare to need to upgrade somethings as the house comes with very basic versions
#9. Before the build starts make a inspiration board
#10. Try and allow money for turf, fencing and blinds
#11. Consider buying giftcards to coles or woolworths for those weeks where money is tight
#12. Go into the tiler supplying your build and play with tile orientation
I am sure that there is more to add to this list, so I will continue to add to it and edit it as I think of new list additions. But for now, I hope these 11 tips help you if you are considering building a house.