Regaining my enthusiasm

It has been a busy few days in terms of wedding planning and house buying. The banks have responded to our home loan applications. Some of the replies were hopeful and some were not at all. (what is a first time home buyer supposed to do with a 60% offer from the bank? Only purchase and live in 60% of the house?)

We have been waiting with baited breath for the final official response from the banks which have made nicer provisional offers.

It is agreed that as I have a nest egg investment, that I would be taking care of the transfer duties. Now I plan to stand by this agreement even though I am very sad to have to dissolve these investments. But I die a little bit more inside every time the transfer duties are mentioned at a higher and higher price.

So I was feeling pretty low this past week after writing up an expected expenses list for the next six months. Low low low and poooooooooor.

But this isn't a sad story :)
I have had a first meeting with the lady who is going to design and make my wedding dress for me. And the dress is gonna so great. So great in fact that my enthusiasm and excitement is driven only by the 30 second sketch she drew based on my requests. And I have a LOT of excitement. Anyway she gave me an estimated price to do the job and she is well within the budget which is a massive bonus. (getting exactly what I want without having to break the budget - can I get a Heck Yeah?!)

The strong independent woman in me is giving the wedding obsessed part of me long looks of deep disdain that a wedding dress is enough to turn my money blues around.

In any case, the optimist in me sees the money blues as a good time to get started on that wedding diet...

Home loans and other Adult behaviour

We submitted an offer to purchase on a house. We are planning on buying a house to live in. We will be home owners... Like owning a house like other adults.

I am just waiting for someone to pop out and say "Hey, you lot are too young for this! You can't own a house!" Sadly I expect the response from the bank will be more like "You want a house and a car and a wedding? Sure, just pay your salary directly to us for the next 12 months. No need to fiddle faddle with having any food or money or new clothes or petrol for that new car."

We are currently sitting at my bank to apply for a home loan. We have already applied at MrT's bank and will be heading off to the Estate Agents bond originator next. And maybe, just maybe, I'll be allowed to get off to work some time close to the end of lunch time so I can make an effort to meet my really important Friday deadline for a draft design report. (sounds fancier than it is, it's more like a draft report thingy).

At the same time this week while chasing a 10 working day deadline to get this home loan thing secured, we also have appointments set for several wedding service providers. Clergy today, wedding dress on Thursday, florist this week, Rings soon. Then we need to find a legal advisor to assemble our marriage contract as well as a will and a property agreement. (one persons bond and two salary earning contributors).

I'll be honest all the big money numbers being thrown around I am feeling a shade of distress about my wallet for the next few months. Sure we have picked a place we can definitely afford but the bond costs and deposit and transfer costs ON TOP OF paying our part of the wedding and honeymoon is going to make for a very tight squeeze.

And Then!! Bloody MrT wants to pop out and replace his car. I have no idea when he found time to nurture that idea. This idea irks me specifically because I am DYING to replace my Tazz but as I bought my car cash, making a new vehicle finance debit order is a lot more work than MrT swapping one car installment for a different flavour.

So all in all the future is hopeful but we are looking at it through a haze of an imminent money drought. Any body got a couple spare hundred k lying around that we could use for the next 6 months and replace in a little while?

Sent from my iPad

2012: the bumper crop of happy days

As I mentioned before, as the year 2011 was rounding down, I was desperately wishing the year would just bloody tick over already. This 2012 year may just be one of those really momentous ones.

To start with my grandmother is turning Ninety. Not only that, but my father is turning Sixty and my brothers are turning Thirty. Now we all age at exactly the same speed (to be precise, we age at sixty seconds per minute exactly). But four milestones in a year is pretty awesome.

In addition, other than MrT and my Big Day, we have four friends weddings lined up. By funny coincidence, two weddings two months before us and two weddings two months after us. Specifically, the Best Friend Engineer is getting married and I am gonna be her right hand maiden to make sure she has the special day she deserves. Also one of the weddings is going to be in Mossel Bay. It just happens to co-incide with the same month that I'll be moving house back to my parents as well as the BF's wedding.... We need the holiday but traveling to Mossel Bay and back kinda goes against the while plan of saving money for Our Own Wedding.

Then I might just around to replacing my trusty old Toyota with something a little smarter. Currently the options are a three way tie between the Italians, the Japanese and the Koreans. Either way, I look forward to driving with a functional radio and aircon as well as not having to pray hard every time I have to stop suddenly in morning traffic.

MrT and I are considering buying a house for Mr&MrsB-to-be. It is both stressful and thrilling spending weekends house browsing. We have a couple of really good options ahead which I really look forward to furnishing and, after June is here, playing House House -the Married Edition. I have fantasies of arriving home from work and putting down my briefcase and pronouncing to MrT "honey I am hooo-oome"... Of course because it is my fantasy, MrT is cooking dinner and has the slippers and news paper ready next to my comfy chair.

If I am proactive and really pull myself together, I could manage to finish writing up my ECSA reports this year and achieve PrEng status. I say this as if it is achievable because I have only written 10%of the required reports so far. but maybe just maybe if I manage, despite all past habits of being un-pro-active, to write up and submit my ECSA documents and they really like what I have spent the past three years doing, I will join the exclusive club of engineering coolness as well as gain the pay rise that goes with it. (yeah I admit I am motivated by money here)

Finally, this is the Year I Get Married (a year and a half ahead of schedule in the 5 year plan but ... Meh.) We have a venue and a nominated photographer and a ring maker and a wedding dress maker and a theme and a color scheme and the honeymoon is booked and so many more plans and we really are trying to be really pro active about making the special day be everything we imagine it to be. And even if we don't get exactly what we envisioned, I am beginning to get a really good feeling about how nice the whole day may just be. I am a cool and calm bride-in-the-making... There is however still 6 months to go.

And so this 2012 year looks to be a real bumper crop of happy days... The only huge question to ask is How on Earth we will pay for it all...

Sent from my iPad

Tablet Joys

It is finally 2012. I have spent a fair number of months dying for the year to tick over already. Last year was a bit of a drought of blogging after I returned from Morocco.

I blame the Android. I got the best phone my money could buy I February last year. It was in most parts, a really excellent phone. except, that typing on a phone sized touch screen is really not very much fun. Like not fun at all. like cause for many autocorrect fails.

So, to satisfy my need for awesome new stuff, I also decided to replace my pc with a kick ass new laptop. And again went out and purchased the most laptop that my money could buy. And ooooh boy, what a splendid device I got for my money, all 3kg 17"screen graphics card and Bang and Olufsen sound of it. I really was very fond of it but it was a little too large for typing stuff in bed and was kinda like buying a Ferrari when all the driving you is for getting milk and bread.

MrT oversaw these purchases and made green eyes at my wicked laptop speakers and so when it came around to his current work laptop beginning to die, we came to the agreement that he would be able to have my kick ass laptop in exchange for something a little more petite. And so he was all "Android Android Android Android"...

Yesterday he presented me with an iPad.

I'll be honest I was a little concerned about using an Apple device which are reportedly notoriously unfriendly to all devices except other Apple devices. But I am pleased to report that I have had no such frustrations. This thing is a little more than alright. It is the very awesomeness that makes Apple users so full of condemnation of non-Apple users. It is petite and speedy and types like you are tickling a toddler (lots of results for very little finger tapping). Other than the mind bending idea of downsizing from 500GB to 32GB... I think I may just be joining the iCrowd.

And there is nothing much more to say other than...

Sent from my iPad.