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Cor Blimey, It's been a Scorcher!
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Cor Blimey, Governor, it's been a hot one. Today has been the hottest day in Perth, so far this year and considering 2023 has only just started, I bet there are a few more days like this to come. The temperature in Midland reached a top of 43 degrees earlier today; well, that's what it registered on my Fitbit anyway, but luckily I was working in a lovely air-conditioned shop. I'm really not used to these extreme temperatures, coming from the UK, but having lived in Spain I am more used to the heat than most. Surprisingly, however, there is very little humidity here, so you don't really sweat in the same way you would during a humid UK summer.
Today is also the end of the second week in my new job, and I am looking forward to a few days well-earned rest. The last couple of weeks have been particularly stressful because of everything that has been going on. The house sale is progressing well, after Darrell and I had the mortgage confirmed by Commonwealth bank, and we are looking to move very soon; everything is just so fast here. When the Home loan was confirmed, we were given a fifteen-day settlement date, and we should be in our new villa by the middle of February. Thankfully for us, there will be no stamp duty to pay. Under normal circumstances, we would have been liable for a bill of $8000, but because we are first time buyers here, Western Australia has waved that fee.
On Monday we have a surveyor checking the house, and always up for a bargain, I am shopping around for the cheapest settlement solicitor in Perth. So far I have been quoted $1000 less than the original price I was given. Darrell is worrying about letting the other firm down, but I am of the opinion, why should we pay more for the same service? Yes I may be tight, but in all honesty, I have to be. Saving the cents is important for me now, especially with mortgage repayments of $1300 a month.
We decided to take out a variable rate mortgage, in order to pay it off as quickly as possible. We want to repay it within ten years, which is doable, as long as interest rates start to stabilise. Furthermore, we are both lucky to be earning a very good wage, so can afford to double our repayments each month and pay it back in record time. Of course, only time will tell if that actually happens or not. I am confident, that as long as we continue on the same path we are on now, we won't have too much to worry about.
The paperwork trail this week has been astronomical, we just haven't stopped filling in forms. However, most of this has been done remotely and with the help of our amazing mortgage broker at the bank, we have managed to get this done and dusted relatively quickly. Yes, I am stressed and sleeping less, but I am also working and able to concentrate my efforts elsewhere, thus avoiding worrying about moving, every day.
When all is said and done, we have achieved our goals in superfast time. Not only do we both have well paid jobs, but we are also buying a house, new car and looking forward to the rest of our life together. It really has been a long road getting here, but I can finally say, without a shadow of a doubt, we made the right decision. Putting the past behind us is our overriding priority now. Those who have played an important role in our future are welcome with open arms, as for the rest, well, they are just a warning to do better in future. This isn't the first new start we have had, but it is the most successful to date; for that reason it is important to stay focused, and remain positive as this new year progresses. This is the life we have both craved for so long, the success we have dreamed of, and the break we both need; finally contentment it's only a heartbeat away!
Today is also the end of the second week in my new job, and I am looking forward to a few days well-earned rest. The last couple of weeks have been particularly stressful because of everything that has been going on. The house sale is progressing well, after Darrell and I had the mortgage confirmed by Commonwealth bank, and we are looking to move very soon; everything is just so fast here. When the Home loan was confirmed, we were given a fifteen-day settlement date, and we should be in our new villa by the middle of February. Thankfully for us, there will be no stamp duty to pay. Under normal circumstances, we would have been liable for a bill of $8000, but because we are first time buyers here, Western Australia has waved that fee.
On Monday we have a surveyor checking the house, and always up for a bargain, I am shopping around for the cheapest settlement solicitor in Perth. So far I have been quoted $1000 less than the original price I was given. Darrell is worrying about letting the other firm down, but I am of the opinion, why should we pay more for the same service? Yes I may be tight, but in all honesty, I have to be. Saving the cents is important for me now, especially with mortgage repayments of $1300 a month.
We decided to take out a variable rate mortgage, in order to pay it off as quickly as possible. We want to repay it within ten years, which is doable, as long as interest rates start to stabilise. Furthermore, we are both lucky to be earning a very good wage, so can afford to double our repayments each month and pay it back in record time. Of course, only time will tell if that actually happens or not. I am confident, that as long as we continue on the same path we are on now, we won't have too much to worry about.
The paperwork trail this week has been astronomical, we just haven't stopped filling in forms. However, most of this has been done remotely and with the help of our amazing mortgage broker at the bank, we have managed to get this done and dusted relatively quickly. Yes, I am stressed and sleeping less, but I am also working and able to concentrate my efforts elsewhere, thus avoiding worrying about moving, every day.
When all is said and done, we have achieved our goals in superfast time. Not only do we both have well paid jobs, but we are also buying a house, new car and looking forward to the rest of our life together. It really has been a long road getting here, but I can finally say, without a shadow of a doubt, we made the right decision. Putting the past behind us is our overriding priority now. Those who have played an important role in our future are welcome with open arms, as for the rest, well, they are just a warning to do better in future. This isn't the first new start we have had, but it is the most successful to date; for that reason it is important to stay focused, and remain positive as this new year progresses. This is the life we have both craved for so long, the success we have dreamed of, and the break we both need; finally contentment it's only a heartbeat away!
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