It was my birthday last Thursday, I got lot's of lovely things, and I also recieved cash off my boyfriend and his parents. I had planned a shopping and lunch day in Brighton with my Boyf's sister, so the cash would come in handy.
It is the first time that I have ever had a wad of cash that I could go shopping with. I of course made a bee line for Primark first, I had to get a lot for my money! And I did. I got some fab things, tops, jewellery, socks, underwear etc. I also brought some lovely tops in Krisp, I have never been in their before, but I liked it because it is not a standard high street store, so you are less likely to see some wearing the same top when you are out.
We had a nice lunch in Starbucks and then carried of for more shopping. Everyone thought that I would be bad and really ware my Boyfs sister out, but no, she was far worse. I was very ready for a snooze when I got home. But I was being taken for a meal on the evening, so instead I had a look at all of my goodies and then had to get ready.
The meal was fab, far too much food, but very yummy.
All in all a very good birthday. I am soooo glad I opted to have the day off. Working on your birthday just spoils the mood.
Tuesday 30 September 2008
Wednesday 10 September 2008
Awaiting Autumn
You may think that I am wishing my time away, but I am so looking forward to the colder months. Especially autumn.
Autumn is one of my favourite times of year, I like all seasons for different reasons (hey that rhymes!) but autumn is perfect, when it's not raining (which unfortunately doesn't happen in England very frequently) but when it's cold, with a light frost, the sun is shining and and the leaves have turned to lovely shades of golden brown and yellow and are cascading down from the trees and lining the paths and streets.
It always makes me want to go walking. Autumn is so pretty.
I have also brought a few new items of clothing to complete my autumn/winter wardrobe and I have been chomping at the bit like a little girl to begin wearing them. It is only just beginning to be cold enough, I like autumn/winter clothes more than summer and spring, I always think they are so much more sophisticated and much more luxurious textures and I love the deep plums, burnt oranges, dark greys and greens, big warm scarves, gloves and stylish coats, and wearing tights and woolly jumpers. Ooohh I can't wait.
Plus there is nothing better than snuggling up by the fire, watching a mushy film or reading a good book.
Hurry up autumn, hurry up!
Monday 8 September 2008
Protperty ladder and stamp duty
As I am sure you are all aware there are some recent changes to the property market, which supposedly aide buyers, and particularly first time buyers.
I am currently living with a my boyfriend and his Rents, his Sister, his Nan and Roxy the dog. Quite a crowded house and perhaps not an ideal situation, but quite frankly it is our only option at the moment. We have little savings and my job does not really pay enough to save without having any ounce of a life after paying bills, so we could be here a while, which surprisingly doesn't bother my boyf (he is quite happy to be waited on hand and foot by his mother!) but it does bother me. For someone who has spent the passed 5 years living with other people in student halls, then an average student house, followed by living in now three different families homes, it is a matter of urgency to get our own house. But for the time being this situation is the best for getting some money put by, renting a flat would not allow us to do this as any extra money we do have now would be quickly swallowed up by council tax, fuel bills, water bills and food supplies.
In light of the changes to help move the property market on, I am not sure that they have gone far enough. I don't think any of these changes can help someone like me, but for someone who does have some savings for a deposit, yes the prospect of being able to get a mortgage on a more expensive house and not have to pay any stamp duty may ease the financial situation in the short term, but in the long term it is not shaving any money off the buyers monthly mortgage fee. Which lets face it is the biggy! Also as far as I am aware if you do purchase a property that is £176,000 or above you have to pay at least 1% stamp duty on the entire amount, which logically to help people you should only have to pay the % on the amount minus the £175,000 threshold?
If I had savings I could probably get a morgage, but then we would still be left with the problem of actually paying it each month! I think the government need to do more towards lowering these costs?
I do think that it is good that they are now trying to arrange schemes to help current property owners who are in financial trouble keep their homes. But annoyingly for some it is a little too late!.
I am sure there are many in my position who see having a house at this point as a very very distant dream!
I am currently living with a my boyfriend and his Rents, his Sister, his Nan and Roxy the dog. Quite a crowded house and perhaps not an ideal situation, but quite frankly it is our only option at the moment. We have little savings and my job does not really pay enough to save without having any ounce of a life after paying bills, so we could be here a while, which surprisingly doesn't bother my boyf (he is quite happy to be waited on hand and foot by his mother!) but it does bother me. For someone who has spent the passed 5 years living with other people in student halls, then an average student house, followed by living in now three different families homes, it is a matter of urgency to get our own house. But for the time being this situation is the best for getting some money put by, renting a flat would not allow us to do this as any extra money we do have now would be quickly swallowed up by council tax, fuel bills, water bills and food supplies.
In light of the changes to help move the property market on, I am not sure that they have gone far enough. I don't think any of these changes can help someone like me, but for someone who does have some savings for a deposit, yes the prospect of being able to get a mortgage on a more expensive house and not have to pay any stamp duty may ease the financial situation in the short term, but in the long term it is not shaving any money off the buyers monthly mortgage fee. Which lets face it is the biggy! Also as far as I am aware if you do purchase a property that is £176,000 or above you have to pay at least 1% stamp duty on the entire amount, which logically to help people you should only have to pay the % on the amount minus the £175,000 threshold?
If I had savings I could probably get a morgage, but then we would still be left with the problem of actually paying it each month! I think the government need to do more towards lowering these costs?
I do think that it is good that they are now trying to arrange schemes to help current property owners who are in financial trouble keep their homes. But annoyingly for some it is a little too late!.
I am sure there are many in my position who see having a house at this point as a very very distant dream!
Hello
Hello and welcome to my blog.
I have been meaning to set this up for a while. I love writing and always have an opinion! Sometimes you need a place to vent, get something off your chest or discuss issues that are happening in life or the world around us. I quite often get into conversation or friendly debate about issues in the news and think I would to write this down, have my say.
I will write about many topics on here, but please remember, it is just one persons opinion, we are all entitled to an opinion and I am lucky that I live in a country where freedom of speech is encouraged.
This blog is also a discussion of things I like, my interests and my life.
Anyway, a lot of it will hopefully be light hearted, interesting and maybe even verging on funny!
Happy reading.
Green
I have been meaning to set this up for a while. I love writing and always have an opinion! Sometimes you need a place to vent, get something off your chest or discuss issues that are happening in life or the world around us. I quite often get into conversation or friendly debate about issues in the news and think I would to write this down, have my say.
I will write about many topics on here, but please remember, it is just one persons opinion, we are all entitled to an opinion and I am lucky that I live in a country where freedom of speech is encouraged.
This blog is also a discussion of things I like, my interests and my life.
Anyway, a lot of it will hopefully be light hearted, interesting and maybe even verging on funny!
Happy reading.
Green
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