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Hi everyone!

I hope your Christmas season has been going well for those who celebrate? I’ve had a really lovely one this year despite it not yet being in our own home, we were very close but it should hopefully be early 2017 when we’re in, we still don’t have an exact date yet. Hence why I haven’t shared.

What have you all been up to? What are your instas filled with at the moment?

instagram-9-december-2016

k

A Personal Journey – Teeth Reconstruction 1.3

So you’ll remember from previous posts that I was going through some pretty intensive dental treatment. Thankfully its now finished!

I went for a visit around 4 weeks ago where he finished off the root canal, happily there was no sepsis that he could see, so he cleaned it out, filled and sealed it.

He also drilled down my front tooth in preparation for the next crown. This was terrifying and lets say that while the temporary was in for the next four weeks, if I couldn’t cut it up and eat it, I didn’t eat it!

I’ve got some before and after’s below for you, yes they’re not brilliant, white and straight but they’ve done massive wonders for my confidence and I’m so happy with them. Time to scrub them up and take care of them until my next check up.

This picture is the filling the used to live in my front tooth, compared to my little finger nail. It was large, in charge and crippling to my confidence.

bty

As you can tell below, the tooth was black, bulbous and badly clinging together with at home filling. The picture below the two is with the new crown fitted, personally I think it looks lovely and blends really well, both colour and shape.

before-and-after-4

Next was the front crown, this was done very quickly and easily, it was drilled down, temporarily filled while the crown was being made and fitted in one sitting unlike the top crown which took several tries.

I am so happy with this one as when I’ve spoken to family and friends they said that they cannot pick it out from my natural teeth. Exactly what my dentist and I wanted.

before-and-after-3

This is the temporary filling on the broken tooth which has been filled permanently now, I did have a lot of pain in this and their was a little of the nerve left, my dentist managed to settled it (kill it) entirely and he filled it as well.

before-and-after-2

So below is the before and after, still not perfect and I will be paying for another crown for the remaining black tooth before I think I’ll be entirely happy, but in my opinion there’s a massive difference and it has done wonders for my confidence, even with just talking to people.

before-and-after

I’ll update you if/when I’m able to get the remaining crown that I want. Hope you’ve enjoyed sharing this little journey with me, thanks for tagging along!

k

Mortgage Application 3.0

Yeah, this is the reason that I’ve basically disappeared for the last month. If I wasn’t at work I was talking to the brokers, filling out things for the solicitors, emailing my accountant and waiting for HMRC. Luckily I also managed to fit in some social bits too, but you know moneys tight.

So what we’ve done next in this journey.

We got our approval from the UK Governments Help to Buy which was a pressure off and made us happy, we’ve filled out everything for that, signed everything and that’s a go. Surprisingly this was a really easy bit.

help-to-buy

So tip 4if your worried about the help to buy scheme; don’t be. As long as you qualify it is very straight forward. The government have some really helpful videos on their website too.

We sadly had a big delay with ordering my SA302’s from HMRC. We found out for some reason my accountant wasn’t registered as my accoutant with HMRC so we needed to wait up to seven working days for the code to come through to name her as my accoutant. After that we ordered my last two years worth of SA302’s.

These didn’t arrive after ordering the first time which felt like a wasted 2 weeks and a lot of pressure from the brokers even though I’d explained the situation to them there was nothing I could do; you don’t try to rush HMRC along.

So tip 5 if you have an accountant, make sure that for whatever reason HMRC recognises them as such otherwise they can’t handle things for you.

Tip 6 and again I cannot stress this enough, order your SA302’s before you even start looking into buying a house, just have them for the sake of having them!

signature

As we’d had to sign a lot of things and you know people’s signatures change over time. MrGUINES has obviously changed since he got his driving license so we needed to get his signature verified and certificated by his bank for the solicitors to accept it (obviously they did, no problem). It is however little things like this that are niggly and can cause small delays.

So tipĀ 7 if your signature has changed and is different now from your license (as it very well may be, for us its 10 years down the line since we signed our licenses) but you bank has your new signature on their system, just pop in and get a certificated letter from them that says your you.

driving-licence

I do hope that this series is managing to help any of you first time buyers out there. Your really not alone is this scary, exciting step!

K

My Perfect Cookie

Lately my life has been hectic, I’ve been feeling very stressed and unable to switch off. Lack of sleep until I’ve literally just heaped into an exhausted bundle that only my partner can wake me from.

So what do I do? To switch off? Unwind and ignore the world? I bake.

I’ve for years failed to bake a cookie. I normally get cake like consistency, they all melt into each other and/or they burn into a big tray bake. This has annoyed me for a long time but never deterred me!

So today as its sunday I normally like to watch re-runs of The Great British Bake Off and bake.

I had on my list today:

CHOCOLATE CHIP COOKIES!

I was determined to crack them and crack them I did. The recipe I used:

150g salted butter, softened

80g light brown sugar

2 small- medium eggs

2 tsps vanilla extract

1/2 tsp bicarbonate of soda

225g plain flour (I used self-raising and still turned out great!)

200g of mixed dark and plain chocolate chips

To make:

Preheat oven 190C/170F/Gas 5.

Cream the butter and sugar until very creamy. Beat in vanilla and eggs.

Sieve the flour and bicarbonate. Add the chocolate chips and stir well.

I personally used a stand mixed and just wacked it on until I had quite a stiff mixture.

dav

Using a teaspoon, I found this size best. Scoop a small mound onto a lined baking tray and cook for 10-12 minutes.

I ended up doing 4 to a large tray and 3 to my smaller one. I probably made about 7-8 batches. The trick I found to this, be patient.

You really want to wait until they’ve cooled totally before taking off the baking paper so that the centres don’t fall out where they stick.

Hands down the best recipe I’ve ever used and I’m really happy with how they turned out!

cooking-101

k

Mortgage Applications

How is life going for you all?

I hope its good.

We’ve having some crazy weather here. 30 degree’s one day and then flooding the next! Just give me the beautiful season of autumn, inject some Halloween and I’ll be ace.

So life the last few weeks has been stress. I mean limited sleep, long work hours, evening appointments, phone calls, emails, online accounts.

house2

We’ve started the process of our mortgage application. Amazing and we are so excited!

The thing I don’t like: Intimately sharing so much of our financial lives with several people. I imagine like any of you that have moved out and had to save money for a down payment may also be protective of that money and not want to share the ins and outs with others. You know, it raising the risks right?

This is something that I’ve just had to suck up and get over if we want to actually get anywhere. So we’ve shared everything with solicitors, mortgage brokers and the bank, at least 5 people have been involved so far in the financial side.

I’ve gotten very intimate with paperwork and making life altering situations. It has literally been a learn as we go thing. My brother-in-law is a god send, I am honestly gonna buy that man such a present when this is over!

He’s answered all my stupid questions, explained things several times over to me, I mean several times and has been great in helping us hunt and recommending the time we get a mortgage as it’s at an all time national low.

boxes

There’s hidden things though. Things that can cause delays for weeks. Now if like me you’ve read the basics, you know that you need:

*Good income.

*Good deposit, the more the better.

*You’ll borrow money from a bank depending on your earnings, better credit score, more likely to get a better chance at being lent to.

*If self-employed you’ll need 2-3 years of certified accounts for most banks.

Simples right?

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Wrong.

I’ll be making this into a little series over the next few weeks as we go through it. Please let me know what you think, either through likes or comments and I’ll go more in-depth with it for people.

Personally I’ve found very little blogs out there that have a personal experience in regardst to buying for the first or even second time; that aren’t written by a lender/bank/broker etc.

Let me know, I’ll release part 2 soon!

K