About Me

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EDIT - Now a 'work at the local school' mum a few days a week while juggling the job of parenting 3 teenagers! I am a SAHM who does work from home occasionally, dedicated to raising 3 Godly, independent, healthy children. Loving the home building process though it is not without challenges. I have fairly free reign over the creative aspect of the project...just not the financial side!

Thursday, April 4, 2013

Electrical plan


Quite a few people have been asking me of late about our electrical plan  -  what we added for the huge upgrade and how much individual items were. I will add in the cover page for our electrical selections but I warn you, it is quite confusing. Even our consultant admitted that it isn't the easiest document to follow for the average punter. Some items are listed with a cost price even though they are included in our package eg. exhaust fans, smoke detectors. Craig gave me an explanation at the time which seemed reasonable.




Moving forward but still waiting....

Upon hearing from our Mortgage Broker late this afternoon, it appears we have some progress. It seems that CBA were unaware that we had made ANY payments for the pool as the receipts we forwarded diligently to our 'Mortgage Angel' as requested, had not been then sent to the bank. These receipts have now gone to CBA so we are waiting to hear that all is OK for our slab payment tone finalised. One stressful day!

Impeccable timing - NOT!

The landscape quote from Outback Landscapes came through yesterday right in the midst of sorting out the bank issues. Whilst I was reasonably happy with the quote considering the scope of work & the size of our land, my Mr Finance was not. I did include my big wish of semi frameless glass for the pool fencing. There is only a difference of about $3.5K between that & aluminium fencing. Well worth it, I say, as long as it is the kids job to clean it! I have also asked about masonry retaining walls out the front of the house and along the side - this will add another $2-3K to the quote.
 I will sit on this for a while and possibly get another quote from a local company for comparison.

I tried to post the quote without actual figures and personal identifying information. It was all edited out but when I uploaded to this blog, the information magically reappeared?

Wednesday, April 3, 2013

Bank issues

I have received an email from our Mortgage Angel this afternoon who promptly got a fiery phone call from me.  It seems paying for the pool separately yet included in the valuation is not a great idea.

"I have just spoken to CBA and CBA has requested receipts from the pool builder for your contribution of $X for the pool.
As per CBA your total contribution was going to be $Y, out of this CBA has evidence of $Z being paid already by yourself.
CBA is looking for evidence of payment of $X before they will pay the builder for the slab.

Could you please forward that to me as soon as possible?"

Um, NO! We have half a pool which is why we had paid only half the amount! HURRY UP AND PAY OUR BUILDER NOW.

Update - And it seems that we are not going to get any joy from the bank even though we are getting a loan fro $40K more than what we need. Before they pay EBH for the slab we need to pay THEM for the rest of the pool and recoup that money at the end. CRAZY! We have demonstrated to them our ability to pay for it already.
Note to others - it will be much easier not to add other items to your valuation eg. pool, landscaping, driveway etc if you are paying for it out of your own pocket.

Screenshot of upcoming work

Geez, 11 days behind already. Bad luck Troy! Not sure what those 11 days were.....

Framework has begun

And here was I thinking no work would happen today because of the torrential rain. At 12:30pm, I drove past and saw the bottom level finished.

Tuesday, April 2, 2013