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Charity Shop Haul: July 2017

Sunday, 13 August 2017

July started off slow for charity shop visits, but then I had a week off work and spent the first afternoon of it wandering around the huge number of charity shops outside the Grafton Centre in Cambridge! This was then followed by a morning strolling around Colchester, so in one week I managed to visit a lot of shops, and get some lovely bargains!


Clothes
I love White Stuff, but I find some of their collections a bit hit-and-miss, so I haven't bought anything from their shops recently. I did however find this gorgeous blue top in one charity shop, and quickly snapped it up as it was only £5! I've actually got quite a few of their tops, but some of them were bought three years ago and are starting to get holes (I wear them every week as they're suitable for work), so my plan is to use charity shops to replace the four most damaged tops!


Books
This month was quite poor for book purchases, possibly because I have quite a few from the past couple of months that I need to catch up on, so I was quite discerning this month. I also just didn't find a huge amount that I needed or wanted to buy, it was a better month for DVDs (as you'll see below). That said I did find two decent books to add to my shelf. The first is "Nella Last's War", which I've actually read in the past and really enjoyed. This book is an edited version of a set of diaries which were kept during the Second World War by Mrs Nella Last. She lived in Lancashire in Barrow-in-Furness and spent the war actively helping charities, running her house, and worrying about her sons.

The other book was "The Times Obituaries of Notable Women", which is a collection of obituaries about various women who died in the 20th century. It should be good source material for some upcoming ebooks so I'm looking forward to sitting down properly with it at some point and making a few notes.

DVDs
Now that I've moved out of my parents place I'm finding that I need to buy DVDs that I've had easy access to for years. So imagine how chuffed I was to get the first two Bridget Jones movies for £1 each. They're nice easy watching that you can have on as noise in the background without dedicating lots of time to watching, so having my own copies at last is great. I also got "Made in Dagenham", which I've wanted to watch for years and never got round to!

Mortgage Overpayment - July 2017

Sunday, 6 August 2017

If you'd like to find out more about why we're overpaying our mortgage, the post is here!

July turned out to be a fantastic month for overpaying. It wasn't a record breaking month, that's still held by April. But it was still very good and it's all thanks to my expenses claim, my train ticket to a work conference gave an enormous boost to the payment pot!

So without further ado our overpayment for July was £129.27!!

That was made up of our standard £30, which we budget every month. I received £5.39 from Quidco, which was cashback from buying some house items a few months ago, and then £78.66 was my work expenses claim. I also did a couple of account sweeps, rounding my bank balance down to end in a 5 or a 0, and that netted me an extra £5.56, and then I finally rounded down the mortgage balance at the end of the month to pay off an extra £7.66. 

Since we're now just over halfway through the year, I thought I'd take a little look at the impact our mortgage payments, and the overpayments, have had on some of the numbers!

When we started the mortgage we were having £12.01 added in interest per day! It's now down to £11.82 a day. We were due to go under £11 a day in August 2020, but we've now brought that up to June 2020, and of course that will go down as we continue to overpay. We were due to drop under £155k owed in May 2018, that's now fallen to March 2018. I really want to do it before January, but playing with numbers suggests that that might be a little tricky. I'm really happy with how close we're getting though, it's good motivation for the future.

I have a terramundi pot, which I started to save in when I was living in London. I only add £2 and 50 pence coins to it, and it's starting to get a little heavy. But it's certainly nowhere near full ,so I'm now debating if I want to crack it open in December and use whatever's in it to make one last huge overpayment for the New Year. But on the other hand I'd like to know how much it can hold when it's full, so I should hold out.

We'll see what the coming months bring, and see how many more £2 coins I can stuff in to it in the meantime XD

A week off in July

Sunday, 23 July 2017

After a very busy period at work, and my last week off being for my honeymoon back in April, I was very relieved to have a week off this month. Well, technically it was four and a half days, but it was still time off work and I was grateful for it as my brain was starting to get a bit bogged down!

Monday
This was the half day part of my leave. Popped in to the office in the morning, which might have been a bit daft as I have a long commute (live near Colchester and work in Cambridge) but I had things to sort out around the office. Once I'd done everything on my list I then started my holiday by driving over to Cambridge's Grafton Centre, had a little lunch in Bella Italia (I had two starters, pork and beef meatballs in tomato sauce, and carbonara croquettes, delicious!) and then strolled around the charity shops outside the centre. I managed to get some DVDs and a nice top, so my next charity shop haul post will have some good bits in it! Keep an eye out next month.
Started the week with a good book!

Once I'd worn my little legs out with all the walking I drove home and had the rest of the afternoon with a nice cup of tea and a good book, heaven!

Tuesday
Sadly my car needed work done so I dropped it off at the garage Tuesday morning and spent the day confined to my town. But that's not too bad as the town isn't huge and the walk down the high street to the river is quite pleasant. There have been some changes in bin collections recently, which mean that we can now get free sacks for garden waste! Excellent news as they were £3.50 before. But you can only get them if you fill out a form online and get an emailed voucher. Unfortunately having jumped through the respective hoops, I got to the Town Council offices to find that they had run out of garden sacks.

Quite frustrating but there you go. I was asked to phone on Friday to check if sacks had arrived before walking down, and I walked back home to spend the rest of the day reading my book, playing online, and planning what to do with the rest of my week. I intended to go for a drive up to a village called Coggeshall, but when I went to pick up my car they showed me where my suspension coil had snapped! Not good, so I had to book the car in for Friday for more work and be careful with my driving for the rest of the week.

Wednesday
Mirror for £4? Yes please!

Despite the car trouble I used Wednesday to drive in to Colchester and have a long walk around. I popped in to numerous charity shops but sadly couldn't find anything I particularly wanted to buy, not even a book or two! However I did manage to get some nice hanging baskets from Wilko, for our garden, and a bathroom mirror for only £4! We've been really struggling to find a bathroom mirror we both like, so at only £4 I figured this will be a handy placeholder to use, and then we won't rush in to buying something we don't like just because we need to fill the space.

I also managed to get some nice birthday presents for one of my sisters. Her birthday isn't until September, but I think I might have all her gifts sorted now, getting that done early is a big bonus!

Thursday
I decided to call off my trip to Coggeshall due to the car problem, and instead went up to Marks Tey. I drive by Poplar Nurseries here every day, and it looks like such a big garden centre that I've wanted to go inside for months. Now I had my hanging baskets I decided it was time to get some plants and get gardening!

I wasn't disappointed, it was a lovely big shop. I spent quite a lot of time mooching around the "grow your own fruit and veg" section before coming to my senses and realising it was far too late to be planting tomatoes and strawberries (but I'll try to find a budget for them next year) and instead wandered over to the outdoor section to see what flowers I wanted. I knew I wanted some lavender plants, and then something nice for the hanging baskets. 
Tiny lavender and little petunias!

But there were so many other beautiful plants that in the end I had to go eat some lunch as I was just wandering around in circles trying to work out what I wanted to buy. After filling up with a lovely cheese scone and a nice cup of tea, I had my head on straight and went back out with a trolley. Three small lavender plants for £1.50 each, a box of six dark pink petunias for £4.50, two small trough pots, and two bags of compost, and I was ready to come home! Buy not before I popped back in to their farm shops to get two enormous slices of cake for me and my husband (chocolate loaf for me, carrot and walnut for my husband). I really liked the nursery so I think a second visit is on the cards so I can write a proper review of it!

Once I got home I got everything potted up and placed, ready to surprise my husband when we came home. I ended up putting two petunias each in the hanging basket, and the other two in the smaller trough. The three lavender plants fitted nicely in the larger trough, despite being quite small and spindly. I've been told in the past that lavender can get quite larger so hopefully they'll grow a bit and won't stay quite so small.

Friday
Car went back in the garage in the morning, and then a quick call to the Town Council meant that I could hurry down and pick up some newly arrived garden waste bags! Then all I had to do for the day was wait for the call to say my car was done. I decided to use the time to sort out my clothes, we out our wardrobe from IKEA back in June and my clothes were still in bags in the spare room. I sorted through them I realised there was a lot there that I hadn't even missed despite not seeing them for a few months. I ended up filling a few bags to donate to a charity shop and then hung up the rest, so now all my clothes are sorted out and the spare room looks a lot clearer!

So that was my somewhat productive week off! I didn't get as much done as I'd intended (sending off more forms to change my surname for example) but I'm especially happy about getting the plants sorted. Gardening doesn't come naturally to me so getting plants potted is an achievement to me!

My next week off is at the end of August, and since this week off really wasn't long enough I'm really looking forward to it XD

Preparing for winter

Sunday, 16 July 2017

Yes, I know, preparing for winter in the summer sounds a bit daft, at the very least I should probably wait until September. But we all know how quickly a month can go by, and since I've had a few days off work in July, and have another week off at the end of August, now seems like a good time to get a few things ticked off to get ready for the colder months!
Even if it doesn't snow we should get frost!

Car prep
It's not just getting the car through the MOT (mine is due in November so I have to get any problems sorted in the summer anyway), it's making sure that if you get caught out by the snow then you have things in the car that will help. Along with my wellies (which live in the boot of my car from autumn onwards) I also have a little bag with some extra thick socks, gloves, a scarf, a woolly hat, an energy bar, and a torch. Should I find that I have to abandon my car at the bottom of a hill and walk the rest of the way home, I'll be a lot more comfortable doing that walk with multiple layers and some food in my stomach!

My Dad had to walk home from the nearest town several times over the years, and every time it happened he wasn't prepared for it and had to do the walk in smart work shoes! Even if you don't drive, get your other half to prepare a little kit to go in their boot, just in case!

Food prep
I'd love to make some jam but it sounds difficult XD

I doubt we'd get snowed in to the point where we can't get any food, if only because there's a One Stop 5 minutes walk away. But I find that the winter calls for more homecooked food, in the summer I can throw together a cold Tesco quiche with a salad and some oven chips for dinner after a long day, but when you've just got through the front door in January a cold quiche isn't going to cut it.

Since we've moved in I haven't got round to doing as much batch cooking as I would like, so my plan is to top up our stocks of bolognese, and add some more chili and a lasagne or two. We went to IKEA last Saturday and restocked on meatballs, and I've already done a batch of half a packet with some tomato sauce (we had a taste test for dinner and they were lovely!) so that's safely tucked away in the bottom drawer of the freezer. I'm also going to keep an eye out for some more yellow sticker food in the supermarkets so they can be put straight in the freezer after purchase and will make a nice quick hot dinner in a pinch.

One of our wedding presents was a slow cooker, so I'd also like to do a few casseroles as well. But that may have to wait until autumn as I don't think a nice beef casserole will be a great thing to eat in the middle of August XD

Stocking up the medicine cabinet
With winter comes colds and sneezles. One of the worst feelings is to get up with a bad headache, head to the medicine cabinet, and find that there's no Neurofen left. So I've started to stock up with headache pills, Lemsip Cold and Flu capsules for me, and the Lemsip drink for my husband. I'm not a fan of the drink as it always makes me feel a bit sick, so I'm happy to take the pills instead.

I've also now signed us up to our local GP, several months after we moved to the area XD But it now means that if one of us falls ill with a chest infection or the like then at least our local surgery will have our medical records and we won't have to fill out extra paperwork to get an appointment.
Need some more blankets too!

Around the house
Because we've only been living here for four months, there's still quite a lot of things we need to get done around the house. Recently we've been focusing on things like decorating and furniture. But we know that our central heating needs some work (a lot of the radiators don't heat up properly), and the gutters at the back of the house are partly blocked. Since winter brings with it cold weather and rain, these are things we really need to get sorted out before it gets too cold, so booking some companies for quotes for the work is definitely on the table. Oh, and I also need to stock up on some nice warm blankets!

Hopefully this has given you some ideas on how to prepare for winter. What do you want to do for the season?

Mortgage Overpayment - June 2017

Sunday, 9 July 2017

If you haven't seen my mortgage overpayment series, you can check out the other posts here.

This month's mortgage overpayment is once again a little small, I've struggled to sell things I've listed on eBay (to be fair they're in a saturated market) and I haven't had much time to dedicate to finding other things to list. My initial optimism didn't pan out unfortunately, but I'm still happy with the overpayment we made this month.

My expenses payment for this month was £22.29, which is fairly average at the moment. I also cashed out £10.28 from Quidco, which was left over from some more house things (including getting our washing machine from Currys and our fridge freezer from AO!).

But in between those two sources, and the standard £30 we have built in to our budget, this month was very slim-pickings. My work had a very big event at the end of the month, and much of my June was mentally occupied with "I need to email some more details to the venue, ask about the choices for the lunch, send out the invoices for the tickets, did I remember to tell my manager about this problem that came up? I don't think I did, I must remember to do that tomorrow", and all around my regular work tasks as well! The day after the event was great as my brain suddenly felt clear!

I was so caught up that I didn't even round down the final mortgage total at the end of the month. Now the final column of my spreadsheet looks uneven XD In total we overpaid £62.57 in June!

But the good thing about the work event is that it was held in London and I'm allowed to claim my (horribly expensive) train ticket back on expenses. This means that next month's expenses form has been very large, and will lead to a very generous overpayment! I also have next week off work, so I'll have a scrabble around for some more things to eBay during the week.

Charity Shop Haul - June 2017

Sunday, 2 July 2017

Last month I did a post on a new blog post series that I'm doing, highlighting my finds from charity shops. I got a bit addicted to them after using them to source the china for my wedding, and now that we've had the wedding I'm new enjoying using them for cheap books, DVDs and clothes!

This month my buys are a little thin on the ground. The really hot weather at the start of the month kept me in the office a lot as I really don't like heatwaves and prefer to lurk indoors, and towards the end of the month my time was taken up by a large work event and so running out to charity shops was the last thing on my mind. But I still managed to get a few bargains during my few trips out!

Clothes
The first buy this month was a gorgeous purple top from Phase Eight, found in the local hospice charity shop. I saw it originally and wasn't certain if I liked it, as I thought the detail around the neck was a bit fussy (it has a pattern neckline). But it was still there when I went back two days later, and since it will make a nice smart work top I decided to buy it. The material is lovely and soft, and I really like the shade of purple it's in, it'll look very nice with my black work trousers when autumn comes around.

Books
As always, I went straight for the history books. I'm particularly happy with the biography of Josephine Butler, she's been one of my favourite women in history ever since I wrote my eBook series, so getting hold of a proper biography of her is a great find. I'm currently working my way through the "Unnatural Murder" one, which is a little heavy going due to the necessary explanations around English law at the time, but once I've got through it I'll be able to move on to "The Unruly Queen", which is about Caroline of Brunswick, the wife of King George IV.

DVDs
Yes this month I managed to get a DVD! I popped in to Colchester one weekend for a little stroll and found the DVD of Despicable Me for a mere 99p! I really like the film but normally have to wait until it's playing on Channel 5 over bank holiday weekends, so for a bargain price like that I'm more than happy to have a copy on my bookcase that I can watch whenever I want.

Did you know I have an eBook series?

Sunday, 25 June 2017

You might have seen from my Instagram recently that I've been slowly starting work on a new eBook. What you may not have realised is that it's actually my third one in a series that I started a few years ago, and which has been on pause during the past few years due to me moving to my parent's place and then buying and moving in to a house with my husband.
SOE agent Nancy Wake

I started writing this eBook series during a point in my life where I REALLY missed university. Specifically I really missed the various research projects I'd juggled for my courses during both my BA and my MA (I hold both in Ancient History). Both my dissertations were on aspects of the lives of women in the ancient world, so I was already interested in women in history.

One Christmas I received a copy of Lisa Hilton's "Queen Consorts", which is about Queens of England from Matilda of Flanders (wife of William the Conqueror) through to Elizabeth of York (wife of Henry VII). After I read it my Mum asked a question about one particular Queen - Catherine of Valois. Catherine was the wife of Henry V, the hero of Agincourt, but she had made a second marriage after Henry's death, to Owen Tudor. Through her, and a timely marriage between the Tudors and the Beaufort family, Henry Tudor rose to prominence and eventually was able to claim the English throne.

My Mum had always wondered how Catherine, a Queen by marriage and a French princess by birth, had come to marry a minor Welsh nobleman. She didn't have the time to read a biography of Catherine of Valois, and even if she had, such biographies have been rare (until recently) and difficult to find. I was able to answer her question and it got me thinking - how many other women wanted to know the same thing? How many women wanted to find out more about other women in history, but just didn't have the time? How often was our own history so inaccessible to us, that our questions were going unanswered?
30 Women in History Volume 1

In the end I settled on doing a series of small eBooks that featured multiple interesting women. Each biography is short, only 600 to 800 words, because they're meant to be easy to read. You can pick up and put down the book as and when you want. You can read it on the commute in to work, or look at a chapter or two before you go to bed. Most importantly they're simply to raise awareness of just how many awesome and amazing women there have been in history, and in the future you can then do your own further reading on the ones that interest you! I wrote biographies on thirty different women, so that for people interested but short of time, they could easily read the book in a month by doing just one small chapter a day!

I always try to make it as diverse as possible, so it's not all just boring English women. I've covered the ancient world and more modern, and countries including Japan, Egypt and Korea, as well as a selection of European women, and African-American women who fought slavery or faced significant discrimination while trying to just make people's lives a little better or a little easier. Through my research I've found even more women to write about, what's started out as a list of a mere 100 or so women has increased significantly over the past 18 months, so I now have a massive alphabetised notebook with women across continents and centuries to write about.

So now that I have a house and got my wedding done and dusted, it's time to start dedicating time to my eBook series. Another thirty women will bring me up to a total of ninety biographies, only ten away from one hundred! And after that, the first two hundred won't seem quite so daunting :)

My eBooks are available on Amazon for just 99 pence (because I need to earn a tiny bit of money to fund more books, but I want to try and make the books as affordable as possible!), you can find 30 Women in History Volume 1 and Volume 2, and keep an eye on my history Twitter account for more information on the progress of Volume 3!

Aims for the rest of 2017!

Sunday, 18 June 2017

We're now at June, halfway through the year, and if I'd made New Years Resolutions then now would be the time that I'd be reviewing them and wondering how the wheels managed to fall off so quickly.

I had no energy or thoughts of resolutions on 1 January as we had only bought our house a few weeks earlier, and my brain was filled with plans for bathroom refurbishment, furniture buying, and general decorating. So now seems like a good time to look back at the past six months, and look forward to the next six, and work out what I'd like to do between now and December.

Continue mortgage overpayments
Yes with the year halfway through we’re creeping ever closer to my aim to drop under £155k owed on our house before January. Last month's overpayment was a little on the small side, a week off work at the end of April meant that I didn’t has as many work expenses to claim back in the first week of May. But June’s overpayment is already looking quite healthy, so we might be on target without too much difficulty!
Next time I'm in Rome I might know Italian!

Improve my abysmal Italian
You might have seen from my Twitter feed recently that I’ve become a little bit addicted to radio.garden, a website that lets you tune in to radio stations around the world. I love it because all the green dots scattered across the world are radio stations, with small dots for single radio channels, and larger ones for a cluster of stations that you can tune in to. 

When I started using it I had fun bouncing around the world, listening to stations in France, Denmark, Russia, China, Japan and Malaysia, before finishing up with half an hour of Israeli music. But since then I’ve settled in to listening to Italian radio. I tend to bounce around a few stations based in Rome, but there’s also Radio Day, which is a station based in Frosinone, the province my great-grandfather is from. However my Italian (despite my ancestry) is extremely poor. I can count to ten, ask for a table at a restaurant, and say please and thank you (the absolutely basics when you’re on holiday). I keep finding myself listening to adverts and news sections without knowing what’s going on (although that doesn’t bother me with the adverts quite so much). 

So I’ve decided to try and improve my Italian for the next six months. I’ve signed up to DuoLingo with the aim to practise for ten minutes a day, every day. If I actually manage to maintain this for the next six months then I’ll be shocked but pleased XD

Plan for Christmas better
I know I’m not the only one who thinks about this. My birthday is exactly six weeks before Christmas, so I normally don’t worry about it until my birthday has been and gone. Last year that really didn’t work as we completed our house purchase in early December, so I had to buy a lot of last-minute gifts for family and friends as I just hadn’t had the time or energy to think about it.

This year I’m planning on being at least slightly more organised. I’d like to have a list of what I’m buying people by the end of October, and then I can buy bits and pieces in the following weeks. This is also the first year we’ve been in the house for Christmas and our first year as a married couple, so me and my husband need to work out what we want to do for the day (difficult as he doesn’t celebrate Christmas and doesn’t really see the point of it). 

Walk more
Getting in to the swing of a much longer commute, and all the problems that go with it, has taken me longer than I thought it would. After a week of lots of driving, coupled with my husband having train problems, and the need to dedicate time to the wedding and decorating the house, overall my weekends tend to involve only leaving the house to buy food. A day out over the bank holiday weekend reminded me that it's good to get out of the house for something other than essentials (work and food). I have a book of walks around Essex that I dug out and had a look, and I've now identified a few walks in the area that are three miles or more and will be good to do in the future. Now I just need to get the energy for them, and encourage husband to come with me!

Mortgage Overpayment - May 2017

Saturday, 10 June 2017

The end of the month means overpayment time for our mortgage! After April's bumper overpayment I knew that May was going to look measly in comparison, but I've really taken my eye off the ball this month, and haven't found other sources to replace the large Quidco payments that won't be coming in any more.

May's overpayment is £66.97, which although it's not as good as I would like, is still just over my target of overpaying £60 a month. I didn't have a great deal of success with eBay this month, but I did count up my 20p and copper penny jars, which gave me £12 in total.

I also got a tiny payment from Amazon for eBook sales back in March. I published two eBooks on women in history back in 2014, and every so often I get a few sales that give me a little trickle of pennies from Amazon. May's payout was £0.76, which I think mostly came from March as it was Women's History Month and there's always a little spike in activity then.

The rest of the money was made up of our basic overpayment (£30) and my expenses from April, which were paid in the middle of May.

So although it wasn't well over the odds, I'm still pleased that we're just over target, and hopefully in June I'll get back in to my money saving mojo and get a bit closer to the magical £100!

Charity Shop Haul - May 2017

Saturday, 3 June 2017

I've been a devotee of charity shops for months now, as they were my primary source of crockery for our wedding. One thing I've said to my husband is that now we've had the wedding, I'm looking forward to it consuming less of my daily life. Even thought we were only having a small wedding, the need to find as much of our crockery in charity shops as possible, meant that I was just going in and out of them to look at the bric-a-brac shelves, before moving on to the next one. I was also trying to save as much money towards it as possible, so if I wasn't buying something for the wedding, I felt that it was wasted money.

But now I can go in to a charity shop and look for things that aren't teapots and cups! I'm also enjoying the loosening of the purse strings, although not too much since we still have to buy a lot of things for the house. May was my first month of being able to buy things, and I'm quite happy with my little haul for the month!

Clothes
I got a really lovely blue long-sleeved top from a Cancer Research UK shop. The material is super soft, and it's from Marks and Spencers so it's really good quality, although thankfully this top doesn't like like it's aimed at the over-sixties XD It'll be good for either work or home, but it's a little thin so I may not get away with it in the winter unless I layer it with both a vest underneath and a tunic over the top.

I also spotted a few skirts that I liked, but if I wasn't overawed with them then I didn't buy them. I've come to regret letting one of them go though as the material was lovely and soft, and I'm sure I would have found something to wear with it if I had tried, so I think I need to be a little bolder about buying such things when I see them!

Books
I've been struggling to get through my history reads recently, and I think it's because I need to wind my brain down a little bit. Sometimes when work is busy and life is hectic, you just need some easy-read to fiction to distract you from everything else.

I'm always a bit "meh" about historical fiction, as I tend to dislike the lack of proper context, or just all-out poor use of history (you can probably guess which author in particular I'm thinking of here). Nowadays I tend to by historical fiction set in the Georgian period as it's a point of history I know very little about, and so I find very little to annoy me in books XD So "How to Marry a Marquis" seemed to fit the bill perfectly, and I then added to it with "Mrs Fytton's Country Life" and "The Runaway Princess", neither of which are historical but both of which seem to come under the heading of "easy fiction". However I have yet to read any of these, as I also bought "What Would Mary Berry Do?" by Claire Sandy, and it was so good that I read it in two and a half days!

Despite aiming to get just fiction books I couldn't help but also purchase "Princesses: The Daughters of George III" as the hardback copy was only £5 in Oxfam. I read a really good biography of George III and his family last year, and I've wanted to read more on his daughters for a while now, so I'm hoping this will prove to be an equally interesting book.

Anything Else?
I was hoping to be able to buy a DVD or two that we could save to one side for a future date night, but despite lots of searching I couldn't find any that I wanted to buy. I'm a bit picky with films, and I tend to find that the ones in charity shops are not brilliant films anyway (otherwise people would keep the DVD to watch again!) I also kept my eye out for any kitchenwares (cake tins and storage pots being the two main ones) but again, nothing really caught my eye.

But that's okay, I don't want to go mad in my first month of buying, we'll see what June brings!

Lace Handkerchief - Something Borrowed

Tuesday, 30 May 2017

In the final part of my mini wedding series, I want to talk about my "something borrowed". After deciding on my something old, something new, and something blue, my borrowed became a little more difficult. I was thinking of borrowing a piece of jewellery, but the neckline of my dress was already fairly high, and I don't really know anyone who wears a lot of bracelets.
Photo by Maria Carrington Photography

In the end my in-laws helped me, without me even mentioning it to them. My mother-in-law carried a special piece of her new husband's family history down the aisle, and they decided to pass it on to me. This beautiful lace handkerchief was a gift to my father-in-law's mother. She married her husband in the 1940s, at the height of World War 2. As a sailor my father-in-law's father was shipped off to various parts of the world during the course of the war, and at one point he was sent to Belgium, leaving behind his now-pregnant wife.

When news came that his wife had given birth to a son, my father-in-law, the young husband decided to buy his wife a beautiful Belgian lace handkerchief from Bruges. I have no idea how he managed to keep it from getting mucky or damaged in the following weeks, but at some point he was allowed home to visit his wife and new baby son, and give her his beautiful present.

It became a treasured family heirloom, and when my mother-in-law married in to the family it was given to her to use as her "something borrowed". It's been carefully stored away ever since, taken on every house move in the following years, until our wedding led to my mother-in-law retrieving it from it's safe place. I was very touched when they asked me to carry it as my something borrowed, and had it tucked away safely in my dress when I walked down the aisle to my new husband. Although that happy couple from the 1940s weren't able to be there on our special day, a little piece of their family history was. One day I hope it'll be passed down to another bride coming in to the family.

Engagement Ring - Something Old

Saturday, 27 May 2017

Following on from my recent wedding posts on my Something Blue and Something New, today I've written about my Something Old! I've mentioned before that the old rhyme "Something old, something new, something borrowed and something blue" took a while to return to my head. This led to a small amount of panic on my part when I realised I'd forgotten it, but in the end my something old was the easiest choice, as I went for my beautiful engagement ring. 
Big hand, little hand, engagement ring!


Me and my now-husband had quite a time finding it. He was living in Leigh-on-Sea at the time, so during one of my weekend visits to see him we decided to book out a Saturday morning to go ring shopping. There’s two very nice jewellers in Leigh itself, and if they failed then we could get the train to Southend and continue our search there. My OH had originally considered getting a ring custom made and had researched stones for it, but in the end he was so worried about getting the “wrong” ring that he insisted he needed my help.

The shops we visited in Leigh had some very nice rings, but nothing that really jumped out at me. So we went on to Southend, and spent a good few hours wandering around. We visited the big chain shops, we popped in to little pawn shops and independent jewellers. There were plenty of nice rings, but none that I could really see as being my engagement ring.

I think we were at the point of giving up and trying again somewhere else at some other weekend when we went down a side road and found another shop. As we stood looking in the window one particular ring jumped out at me. It was labelled as an “antique”, and looked so pretty in the window that I had to go in and try it on. My main fear was that it would be too small, as I’d read online that it’s quite difficult to increase ring size, but happily it fit fine (slightly too big, as I’d later find out, but I’d rather have the size reduced than increased!)

I’ve since worked out that the ring probably dates from the 1920s as I’ve found similar ones on Etsy marked as such. When I eventually took it to a jeweller in Cambridge they asked me if it was a family heirloom as they thought it was an old ring (it also turned out that some of the stones were damaged, so I have to be careful with it!), and although I don’t know the history of it, it was lovely to have a genuinely old ring as my “something old” to wear down the aisle!

Wedding Dress- Something New

Wednesday, 24 May 2017

Isn't the wedding dress the main thing that people focus on when talking about weddings with the prospective bride? I'm pretty sure the two main questions I was asked in the run-up to mine were "Have you picked a date? Have you bought your dress?" in that specific order. For me I figured that my dress would be the easiest "something new" that I'd be able to think of, so it held a little extra symbolism for me as I walked down the aisle.

Photo by Maria Carrington Photography
If you've planned your wedding over the course of two years and saved up enough money for it, then spend when you want on your dress! For me though it was a case of necessity, I needed to find a dress for under £300. I didn't even bother trying to make appointments in any of the bridal shops around Cambridge and Essex, because I knew that a budget of £300 would raise eyebrows and a "Nope, can't be done" comment. Instead I looked to the high street, where some well-known names cater to those of us who have a more modest budget requirement for their bridal gown.

Sadly BHS went bankrupt while I was doing my search, I had actually identified a dress on their website that I was mentally placing as "second option" since I liked it, but wasn't sure it would suit me. At only £150 it would have been well under my planned budget and I could have put the money to something else, but it wasn't to be. (Incidentally, has anyone pointed out to M&S that they've now got a potential market to move in to, I bet they'd do some lovely simple dresses that were quite affordable!)
Photo by Maria Carrington Photography

I had a look at Debenhams, who have a whole wedding section that covers brides, grooms and bridesmaids clothing! But although there were some very nice dresses on their site, including modern styles and vintage styles, there just wasn't anything in particular that jumped out at me.

Last but not least there was Monsoon! When it comes to regular clothing they are a bit on the pricey side, but I'd been told that they did nice wedding dresses that wouldn't break the budget, so I decided to give them a look.

It ended up being quite a difficult choice as there were several that I liked! In the end I bought the gorgeous "Carlotta" bridal dress, and managed to find a 10% discount code online that meant I saved a little bit as it only just fell within the £300 budget. Because I'd bought it from a shop it looked a bit difficult to get it adjusted as I needed, in the end my mother-in-law had to rush to the rescue with needle and thread to stop me tripping over it! But I absolutely loved the dress, I got a lot of lovely compliments about it, and I really wish I had an excuse to wear it all over again!

Wedding Shoes - Something Blue

Sunday, 21 May 2017

Something old, something new, something borrowed, and something blue! With only a few weeks to go until my wedding these words finally popped in to my head, and I realised that I was might struggle to fill all the requirements!

In the end my something old and something new were relatively easy, and will be covered in future blog posts. But it was something borrowed and something blue that were the real problems. My future in-laws solved "something borrowed" for me, I carried a little piece of my fiance's family history down the aisle with me on my wedding day, before returning it to my mother-in-law.

Photo by Maria Carrington Photography
So that just left something blue. I'd been planning on buying blue converse for some time and using
those as my something blue. But the problem with being a woman of average height (I'm slightly over 5 foot 5) is that my wedding dress was a bit too long, and I couldn't get it altered as I didn't buy it from a proper wedding shop. That meant I had to bite the bullet, give up on my idea of being a Converse bride, and get some shoes to make me a little taller, and hopefully lift up the hem of my dress a bit.

The only problem was actually finding them. I'm not the best shopper, especially when it comes to shoes. I wear hiking boots most of the time, with my dark red converse when the boots aren't feasible, or smart black flats when I'm taking part in an event at work. I didn't really know where to look, and with time starting to run out I took to Facebook in a call for help! A friend on there pointed me towards Irregular Choice, who do some really amazing shoes, but sadly a lot of them were out of my budget, and also looked a little impossible for me to actually walk in.

A Google browse introduced me to Ruby Shoo, and after a long browse I finally thought I'd found the ones I wanted. But when I went to buy them they only had them in one rather large size, they were last season's shoes and were no longer being sold!

eBay then came to the rescue! Not only did I manage to find the ones I wanted in my size, but I got them a bit cheaper than others listed because the seller had spelled the company as "Ruby Shoes", they weren't coming up on an eBay search but were showing via Google shopping!
I'm not one for heels and these are definitely higher than I'm used to at the best of times! My work colleagues thought it was great fun to see me tottering around the office in them as I learned to walk (slowly and carefully) in high heels, and learned how to hold myself standing up so my feet would hurt less. I even wore them in the kitchen while I did the cooking.

But after a week and a half of practising I knew I wouldn't be able to manage the whole wedding in them, I just wasn't used to it, and eleven days wasn't enough for me to get used to them.

I got my blue converse too, and had two something blues on my wedding day! What was your something blue?

Why we're overpaying our mortgage

Sunday, 14 May 2017

You may have noticed from some of my posts that since buying our first home back in December, me and my husband have been overpaying our mortgage. We deliberately built a £30 monthly overpayment in to our budget when we were originally planning a mortgage, and this is then topped up by cashback from Quidco, counting up money from penny jars, setting aside my expenses from work, or selling stuff we don’t use or need on eBay. My aim is to be able to double that £30 every month, and so far I’ve managed to hit that target consistently!

Telling people we’re overpaying generally leads to them going “Oh that’s a good idea!” followed by a pause and then “…but why when interest rates are so low?” It’s a good question, I certainly don’t know anyone offline that’s doing this as regularly, but it’s something we were both keen on doing for a variety of reasons.

1. We both hate debt

I still have a student loan, because like many students who graduated in 2008 I found it very difficult to get a well-paid job straight off the bat. Instead I found myself as the proud owner of two degrees and a job as a cashier in a supermarket, followed by various part-time contracts and an attempt at self-employment until I landed my first full-time role at the age of 24. But I don’t like being in debt, and neither does my husband. Having a debt of £160,000 is quite scary when you think about it, and given the uncertainty in the economy (especially with Brexit) we’d like to pay off extra while we can, before interest rates start going up!

2. Reducing the LTV

We found it difficult to get a mortgage in the first place because my current role is a contract. Admittedly at two years and with guaranteed full-time work it’s better than a zero-hours role, but it’s technically temporary nonetheless. We had a decent deposit saved up by my OH, which gave us an LTV of 85% (LTV is Loan to Value ratio, so how much you’re borrowing compared to the value of the house. We had a 15% deposit, so our LTV was 85%). This really helped us get a good mortgage rate despite my contract situation, and taught us a valuable lesson about how important a decent deposit can be. We have a 5 year fixed rate, by the time we’re due to re-mortgage I’ll probably have a stint of maternity leave which will have affected my earning potential, and given the risks to the economy we suspect that rules about mortgages will be significantly tighter. So reducing our LTV will hopefully help us in the long run, and might also make it easier to move up a step on the ladder when the time comes for us to find a bigger house.

3. It’s seriously addictive

I have a spread sheet that tracks, among other things, the daily amount of interest earned, the total amount we’ve paid per month, and the amount we owe to the bank. It’s set up for the next 5 years with our standard monthly payment, and then I can type in how much we’ve overpaid in a particular month and it will recalculate everything. I’m not going to lie, it’s really addictive. As soon as I send my expenses form in to work I make a note of the total, then when I go home I type it in to the spread sheet to see the effect. Same with filling up a bag of change, or getting a notification from Quidco that we can cashout.

The effect so far has only encouraged me to keep going. When we first got our mortgage we were earning £12.01 a day in interest. We would have hit £155,000 owed in May 2018, and would have dropped under £150,000 in September 2019. You'd think that we would need to be overpaying hundreds of pounds every month to make a difference.

So far (it’s only May after all, and we made our first overpayment in January) we’ve overpaid by £490.88. We’re now due to fall under the £155k mark in February 2018 (although my aim is to hit it by December), and will be below £150k in July 2018. Our daily interest rate is currently £11.88 (still a huge amount per day I know!), and will fall below £11.50 a day in October 2018.

It just goes to show that you don’t need thousands in the bank to pay off your mortgage, just small regular payments can make a big difference!

Mortgage Overpayment - April 2017

Friday, 5 May 2017

Yes, it's true, despite spending April getting married and then going on honeymoon, we managed to make a mortgage overpayment at the end of the month! 
Who lives in a house like this? XD

Actually we managed to hit a new record in April as we overpaid £206.26!! Quite a bit more than I was anticipating, I thought we'd be lucky to hit £100 this month as all our energy and attention was going on the wedding. I was even eyeing up my change jars early in the month as I was sure I'd need to have a count up just to be able to send off a reasonable amount.

However Quidco once again stepped in to save my metaphorical bacon. I received a payout of just over £21 for buying our buildings insurance through them back in November. You need to have buildings insurance when you exchange contracts on your house purchase, this payment had been pending for a while and it was nice to finally get it.

Then out of nowhere I received confirmation that my cashback for signing up with our broadband provider had arrived, a whole £100! I'd nearly forgotten to go through Quidco in the first place. If I'd missed out on this then I would have been quite annoyed. Normally it takes months for cashback to be paid, so getting this in around 6 weeks is extremely quick and was a very pleasant surprise!

I also had a healthy expenses payment of just over £43 from work, I had to buy some special envelopes for some bits we were posting out so that helped bump that up too.

I don't have any big payments left pending in Quidco, just smaller amounts from Argos and Currys from buying bits and pieces for the house, which are mostly due in May and June. I think my next expenses payment will be smaller too as I've been off work for a week. But my penny jar is looking very full, so May might be a good time to count it up and pay it in!

Wedding - One Week Later!

Sunday, 30 April 2017

This time last week I was getting ready for my wedding! My Other Half proposed to me last May on a holiday to Rome, and my desire to get married on his next birthday (our anniversary sadly fell on a week day) meant that we had just under a year to plan and arrange everything (and save up for it).

We decided to get married at the Great Dunmow Maltings as it was a nice small venue (we only had 40 people we wanted to invite), very affordable, and they were very flexible about what we could do for catering. Plus we could have the ceremony and the reception in the same venue, which was an added bonus since we had guests with small children who wouldn't want to shuffle them in to car seats for a short drive somewhere else.

My Mum suggested that we have an afternoon tea for the reception. Me and Jon aren't big party/dance people (and I don't drink) so having a long evening dinner and dancing thing really wasn't something we wanted to go with. Plus we have quite a few family members and friends with dietary requirements (gluten free and dairy free being the two main ones), so being able to let them pick and choose what they wanted to eat was the easiest way to ensure that they felt welcome, and wouldn't feel that they had to say "no thank you" to our invitation. My Mum did an amazing job sorting out all the food, including spending weeks testing different gluten-free scone recipes (my Dad is now a bit sick of the sight of scones), and baking them and cakes in the run-up to the event. My in-laws sourced all the drinks, and did a great job as everyone managed to find something they wanted, from a nice glass of bubbly through to a selection of soft drinks for the non-drinkers.

The afternoon tea thing also gave us the opportunity to spend a lot of time sourcing vintage china. Between both families we've been through charity shops, junk shops and eBay collecting all manner of pieces. My mother-in-law even found a lovely teapot (not vintage but still gorgeous) with a lavender pattern while she and my father-in-law were on holiday in Canada! She managed to get it home in her suitcase without damaging it, and it's now sitting happily on my kitchen shelf.

We also wanted to source some handmade items where our budget allowed. In the end the four things we managed to get were our wedding rings (mine from Nikki Stark Jewellery and Jon's from Grow With The Grain), the boutonnieres from Alana Phoenix & Co, and our dried confetti flowers from Shelsley Herbs & Flowers, who was brilliant and posted them by special delivery when we bought them a bit too close to our wedding date! Being a former Etsy seller myself, it was great to be able to get a few things from small creative businesses, and every shop was lovely to deal with.

Our lovely photographer was Maria Carrington, who was great to work with as she's seen lots of weddings and was a very calming presence. I don't have the photos from her yet, so she'll get her own little post in a few weeks once we've seen the shots and picked a few to show on here!

We generally had an absolutely fantastic day. It was lovely to have so many people we loved be able to share it with us, despite some of the distances there were to travel! We'd recommend every single business that I've linked to on here, as they all helped make our special day one to remember!

Mortgage Overpayment - March 2017

Monday, 17 April 2017

Given that we're now well in to April this post is a little late. But that's not because it's bad news! Actually March was very good for overpaying, in total we managed to throw an extra £129.50 at the mortgage!

A big chunk of this was from Quidco as I got a hefty cashback payout from taking out my breakdown cover with the AA through them. Not being particularly technically minded I find it quite reassuring to know that if I lose a tyre then I just have to make one phonecall and competent help will be on the way. The money was actually meant to be confirmed in February but ended up being delayed, so it was nice to get it in March instead.

Another sizable donation was from my work expenses. My OP in April is already going to be be quite large thanks to extra expenses, but in March I had to buy a very large box of teabags as well as a lot of milk, I tend to be the first person getting through the door in the morning so I generally need milk for my tea before anyone else.

I'm already collecting together the figures for April, and let's just say that if the months continues as it started then I'll be very happy with the overpayment at the end of it!

Review: Jack's Gelato in Cambridge

Friday, 14 April 2017

Last year I made a terrible mistake. Despite my colleague telling me how good they were, I never bought anything from “6” ice cream shop on Bene’t Street in Cambridge. Then they closed down, and winter was spent passing by an empty shop, wishing I’d got round to trying it.

Lovely simple design for the cups
So it was wonderful to walk past the same building at lunch time on Tuesday and find that a new ice cream business has taken over the space! Jack’s Gelato is well-known around Cambridge, he’s normally found serving ice cream through portable freezers around the streets of the city, as well as at festivals and fairs. Now he’s got a new shop, and it’s officially opened, complete with an actual ice cream machine at the counter so in the future you can watch it being made!

Since I was passing by I decided to have a look at the sign outside. Different flavours are on offer each day (you can see a list each day on his Twitter account), and I had to stop when my eyes caught sight of the words “Mint Choc Chip”, “Burnt Sugar and Salt”, and…”Chocolate Orange Sorbet”!

The problem I normally have with chocolate ice cream is that while it’s delicious, it generally makes me feel a bit sick about halfway through the first scoop. Great for making sure you don’t overindulge, but it generally means I have to steer clear of chocolate, otherwise I feel like I’m wasting my money. On last year’s trip to Rome I stuck firmly with hazelnut ice cream and lemon sorbet, rather than risk feeling ill while I was trying to stare at tourist attractions.

However the sound of chocolate orange sorbet was just far too tempting for me to give it a miss, so I got a small pot. The guy behind the counter (who wasn’t Jack) was very chatty and friendly, and happy to answer my questions about the new shop. I was warned that the sorbet was still very soft as it had only recently been made, but sorbet is a bit softer than ice cream anyway, and it wasn’t dreadfully hot so I knew it would last.
So delicious I could eat it all day!

Chocolate orange tends to be a bit of a marmite flavour, people either love it or hate. I’ll happily eat a Terry’s Chocolate Orange, but my other half wouldn’t (he’s the same with chocolate mint though). I think it’s because it’s very easy to get the orange side of it wrong, either it doesn’t taste of orange at all, or there’s too much and it overpowers the chocolate.

In this case though the balance was perfect. The chocolate looked dark and tasted very chocolatey, but had none of the bitterness of very dark chocolate. Likewise the orange was a lovely note within the chocolate, it was noticeable but not excessive, and because the orange was adding the extra sweetness to the sorbet it wasn’t overly sugary, so I didn’t feel sick after eating it! In fact I couldn’t eat it fast enough, I overloaded my tiny spoon a few times and felt highly disappointed when I reached the end of the pot. I'd give this six stars out of five, were I operating a star rating on this blog.

If you’ve never been to the kind of live event that Jack has been catering to before now, then you MUST get down to his new shop. Take a big spoon with you, you’re going to need it!

Recipe - Chicken and Parma Ham Pasta

Saturday, 8 April 2017

Following on from the success of my chicken and chorizo pasta recipe, I tried another new recipe that my Mum sent me! This time it's chicken and Parma ham pasta sauce, deliciously creamy and fantastic with tagliatelle, I instantly wanted to cook up a second batch! 

The only problem with it is that, unlike the chorizo recipe, this won't really freeze well, so isn't suitable for batch cooking. However it is quite quick to put together on a weekday evening.

Ingredients
Chicken breast - One per person, cut in to smallish pieces.
Small pack of parma ham, it's quite salty so you won't need it all!
Small pot double cream.
Tarragon (dried or fresh is fine)
A lemon (or a quarter of one if that's all you've got lurking in the fridge)
1/4 to 1/2 a pint of chicken stock (1/4 is suitable for 2 people, 1/2 would be better if you're cooking for a larger audience)
Butter and olive oil

Cook cook cook
1. Melt some butter in a frying pan, and cook the chicken in it.
2. Remove from the chicken from the pan and set to one side.
3. Add a drop of olive oil to the pan, and tear the Parma ham into strips straight in to the pan (or cut it in to pieces while the chicken is cooking). Stir around until lightly crispy. 
4. Add the chicken to the pan with the Parma ham, and pour in the chicken stock and a few generous pinches of tarragon (depending on your taste)
5. Simmer for 10 minutes.
6. Pour in some double cream and a squeeze of lemon juice, and stir until it's all mixed in with the stock. The sauce should be a lovely dark cream colour.
7. Taste it and add more cream or stock if you need it or need a bit more sauce, or some extra tarragon if you're not getting the flavour.
8. Serve with linguine or spaghetti, pastas which go well with nice creamy sauces.

The first time I cooked this it took me a little longer than expected. I think that second time round I'd be able to get it done in less than 30 minutes, great for a quick mid-week dinner!

Recipe - Chicken and Chorizo Pasta

Sunday, 26 March 2017

If you follow my Instagram then you might have spotted my delicious chicken and chorizo penne pasta dinner the other night! This recipe is one I got from my Mum, so there's a very real possibility that it's already out there online on a proper cooking website. However it's so delicious and so quick to make that I had to share it on here. Thanks to me and OH having a long commute from the new home, having recipes that are quick to put together and don't need loads of attention are a life saver!
Chicken and chorizo pasta!

This pasta sauce is delicious, only needs a few ingredients, and can be chucked in to a pan and left to cook while you sort out other things around the house.

Ingredients
Chicken breast, 1 per person, cut in to chunks
Chorizo diced or cut in to slices, depending on how you prefer it. I use a LOT of chorizo as I love it, but you can use a smaller quantity if it's not your thing.
Carton of tomato passata
Tomato puree

Put the chorizo in a saucepan and fry gently to release the oil (you don't need olive oil, chorizo is naturally oily).
After a few minutes of frying add the chicken and let it cook with the chorizo.
Once the chicken chunks are cooked through pour in the tomato passata and tablespoon of tomato puree.
Give everything a good stir, put the lid on the pan, and leave it to simmer for a minimum of 20 minutes. The joy of this is that you can leave it for longer if you need or want. Passata is quite runny so you have a lot of liquid, and if you keep the lid on with a low simmer then it shouldn't dry out.

Once you've cooked it you can cook your pasta, and serve! This also freezes really nicely you can double up the ingredients and put the leftovers in the freezer for another day!

Mortgage Overpayment - Feb 2017

Wednesday, 1 March 2017

We've only had our mortgage for a few months, but one thing we agreed about early on was that we wanted to overpay it as soon as possible. We started repaying the mortgage in January, and made our first overpayment at the end of the month. Yesterday was the last day in February, so it was the ideal time to make our second overpayment!

Our overpayments consist of a flat £30 payment that we worked in to our budget. To that we add little extras we get over the course of the month. This can include cashback from Quidco, bags of loose change we count up, my monthly expenses claim from work for buying things for the office, money saved from spending less than budgeted, and money from having a clearout on eBay. I also check my current account regularly and round down the amount I have in the bank to the nearest £5 or £10. So if I had £37.20 then I'd move £2.20 to go to overpayments, leaving £35 in my account.

In February our overpayment was £64.14! I have a really great spreadsheet where I can track the impact that our payments are making. This is a great motivational tool, it took a good 40 minutes following very detailed instructions to set up properly, but it was worth the time.

The spreadsheet means that we can set ourselves goals that push us a little further, but which are realistic. For example we realised that if we overpaid by £60 a month (so if we managed to double our baseline £30 a month) then we would have paid off £5000 by February 2018. That was enough to push us to go a bit further and try to hit £5000 by end of 2017. 

On the other hand it's a bit of an eye-opener, we are currently paying over £11 a day in interest! We're on a pretty good rate too, but seeing that number really made us realise how much was going straight back to the bank. No wonder they consider mortgages to be easy money made!

We'll see how much we manage to save in March - my change jar is looking quite heavy!

What to do on completion day!

Sunday, 19 February 2017

If you’re buying a house then completion day is the most exciting part of the entire process. This is the day when you officially become the owner of the house and get your keys! You can start painting, move your furniture in, and start planning exactly how you want it. But there's a few things you should be prepared to sort out first…

Get the locks changed
How many people did your vendors give their keys to? Both sets of parents so there were plenty of spares available? The decorator who painted the hallway 3 years ago? A lodger that stayed for three months, and their replacement? There could be a dozen copies of your front door, back door, shed padlock and garage keys scattered around, and you have no idea who has them.

Therefore when it comes to completion day you should make sure you have the phone number of a local locksmith who can come round and change the locks for you. I phoned someone who was able to come out for “emergencies”, but I had to wait 2 hours before he could get there. Since this was our first time buying I had no idea what time completion would be sorted by, otherwise I would have booked someone to come out for a specific time.

If you know you can get to the house quite quickly, and you know you’ll have completed by early afternoon, then you can phone around and book for the locks to be changed later that day. We paid around £150 for two locks to be changed, which from what I’d read elsewhere is pretty average in terms of cost, and was well worth it for peace of mind.

Read your meters
Before you start firing up the boiler and switching on all the lights, take meter readings. The main two are gas and electricity, but if your new home has a water meter (they’re becoming increasingly common) then you’ll need to check that as well. The quickest, easiest way to do this is to get your phone out and take a couple of snaps of the meters. That way you have a visible record of the numbers, and you can submit the readings a few days later without feeling like you need to rush.

Your property information form from the vendors should state who the current provider is. You can then phone them, submit the readings, and then you have the option to change supplier over the coming weeks. Our vendors were landlords who’d held the place at arm’s length, so our form didn’t indicate who the energy provider was. “Luckily” for us there was a pile of post waiting on the doorstep, including a collection of demands relating to an unpaid bill from the energy provider, so we instantly knew who to contact with our readings. If you don't know, and don't have an unpaid bill waiting for you, there are phone numbers online that you can call to find out who the supplier is.

Be prepared to clean
Even if your vendors are lovely people and you’ve developed a decent rapport with them, chances are you’ll still want to clean the place when you get in. This could be giving the bathroom a scrub, wiping round the kitchen before you set up the kettle, or running around with a hoover. In our case the house clearance people our vendors had hired had decided to dismantle a wardrobe in the master bedroom, and had left thousands of fragments of MDF scattered across the carpet.

You should also be prepared to clean simply because your vendors don't HAVE to clean before they hand the keys over. As long as they don't cause damage to the house (for example, smashing all the windows or knocking chunks of plaster out of all the walls) you can't legally demand that they leave the place spotless. They'll be in a rush to get to their new place, just as you're in a rush to get in. Make yourself a box of essential cleaning products (washing up liquid, Dettol, toilet cleaner, sponges, cloths and Marigolds) to keep in the car, along with your hoover if you have space. Then if the place isn't quite how you'd like it you have all the things you need on hand and easily accessible.

We hoovered up the MDF fragments. After we'd picked up 12 screws and 5 nails.

Celebrate!
This is the most important part! Get a takeaway and pop open the bubbly, or put the kettle one. You’re in, the house is yours, and you can start doing all that decorating you’ve been planning for the past few months!
 
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