Monday, 24 April 2017

OMG OMG OMG OMG

Korin has been offered a mortgage - a Mortgage Offer - Yes Yes Yes ............ I cannot believe it has finally happened. it has taken 14 weeks, 14 very very long weeks.  Stress levels were so high, feel as if a weight has been taken off my shoulders and Korin must be totally and utterly elated.

Little house you now belong to my DD (well almost).






Sunday, 23 April 2017

I made these for a swap with Nederlands group. Twinchies.


Saturday 22nd April, 2017

Keys birthday - he had lots of presents and he was happy with his presents too - and we Korin, Key and I watched a film in the afternoon and then Keir Ali and baby luna came round around 3 pm and we went out for a meal at 6 pm to Frankie and Bennys in Tamworth and had a big cake too - it was a good day.

Korins chap Johnno came too.


Friday 21st & and we are STILL WATIING

They said (the mortgage advisors) that she would have an update today regarding her mortgage - did she NO she didn't - sto we are STILL WAITING.  OMG why do they drag it out so much.

Thursday, 20 April 2017

Thursday 20th April, 2017 - STILL WAITING - annual leave today

But the good news is that the valuation has passed - so another hurdle over...............suppose to have an update tomorrow.  What that means ????  is it to say that she has the mortgage or just updated to say that it has gone to the underwriters.  Korin supposed to move in on 1st May !!  that is not going to happen, her solicitor is now on holiday until middle may !  there is a stand in - but these are the solicitors that were VERY slow when they acted for Keirs house.  I am praying that tomorrow it is going to be a big fat YES !  if it is we can go and get a bit of shopping - all the little nik naks that you need in a home.  Love her little house - IF it is her little house.

Had annual leave today just to get my head less stressed really !  did have a little play with crafting, stuff I did I wasn't really happy with.  must get my room tidied up can't stand the mess at the moment.

Guess What !!! WE ARE STILL STILL STILL STILL WAITING

Korin still does not know if she has a mortgage or not, this is absolutely bloody ridiculous, yes we had two days out for Easter but my God how long do people have to wait to get answers, its a week today that the valuation was done and we havent heard anything.  Please let her hear today or early tomorrow so she can at least start getting a few bits and bobs for her house at the weekend.  Praying it's going to be a yes, but all this waiting waiting waiting makes you really jittery.  Fingers crossed, I hope its today she gets a yes.

Friday, 14 April 2017

Good Friday

It was a Good Friday ......  Good Friday

Went to The Range to buy korin a stoneware pan, the kind that you don't need any oil in it, and as they were half price bought two as we needed a new stir fry pan, maybe i shall start to lose some weight now?

then to her house, we still haven't heard if she has a mortgage - GOD FORBID give the girl a break please and let he know she has the mortgage, as they have done the Valuation it is probable that she does have the mortgage, but we take nothing for granted as we have had just one knock back after another since January 7th or thereabouts.  But they have done the pavements and her car parking spaces now so the house must be very close to completion.  Can't wait to hear if she has a mortgage AND finally have  a look around the house, if she gets to look around her house, we don't know if any carpets or flooring or tiles or whatever is included yet - hopefully she will have carpets and fencing and grass in the back garden too !



my husband was talkative !!! at the restaurant - Christophers Tamworth, it was a lovely meal, but very bloated.  came home to have an hour kip as i felt so bloated and tired.


and then we went to Keirs to see them and the beautiful Luna darling.  I love that baby so so much, she is so aware now and smiling 


and then we went to the Garrick Theatre in lichfield to see a Farce called 'Haywire'  Key was asleep from the moment the actors arrived in the Studio and snored a little and my stomach was hurting and rumbling because of the huge meal at lunch time and so at the interval we came home, I would liked to have seen the rest of it but sadly I daren't have risked my stomach any longer and Key snoring any more all the way throughl.

BUT ALL IN ALL IT WAS A GOOD GOOD FRIDAY !





Wednesday, 12 April 2017

Happy Birthday again mom and thanks

i say thanks mom because Korin got a text from Nationwide that they are doing a valuation on her property tomorrow 13th .............. fingers, toes and everything else crossed they hopefully have sorted all her paperwork and with all intents and purposes she should know that she has a mortgage provided they say her property is worth £150,000 fingers crossed again.  Thank you mom if you are looking down upon us.  Felt the best today than i have in a long long time.



Tuesday, 11 April 2017

Kinda good news

I've been asked to change my days at work to Thursdays and Fridays - all day both days - but that means I have 5 whole days off to do what I want when I want - kinda happy about it as i really wanted to do 3 days at 5 hours a day initially, but they wanted me to do my 15 hours over 5 days so this is a bit of a turnaround, I know I am only doing it to help them out - but really with 5 days I can take Benny out early and get housework done by lunch time and craft more maybe and return to Slimming World and do a couple of reflexology treatments earlier in the day  Fingers crossed it all works out OK.

I may have to work 8.5 hours each day though to come home at lunch time to see to the dog and cats, but we'll see.


12.4.17 Moms birthday today

she would have been 94 - 32 years without her and i still miss her today as much as i did the first day she died.  I loved her with all my heart.  i wish she could have seen my kids.  Maybe she did.  Enjoy your birthday mom, have a party.

AND if at all you can help your granddaughter get a result of 'yes' for a mortgage offer tomorrow that would be absolutely fantastic, or at least we know that they are doing a valuation which means we are almost there.  it has been an exceptionally FRAUGHT (to say the least) 3 months,  stress city, anxiety all over buying a house.  That house is beautiful.  I hope she gets it.

Goodnight - hope tomorrow brings good news.

11.4.17 AND we ARE STILL WAITING

OMG I cannot believe how long tings take to sort.  Not heard a thing they didn't put the official application in until last thursday and now we are waiting to here if they do a Valuation.  IF they do the mortgage looks like it's a goer - well 90% pray the house is worth £150,000.  we went up to see it and it's a lovely little house.  Will post a pic when she gets the mortgage.  Must be positive, but time isn't on our side.

Sunday, 2 April 2017

2.4.17 and we are still waiting

another new application.............. if this is a no, then she will have to let the house go but she has a mortgage in principle so it'slooking better than it has done since 7th January, fingers and toes crossed, no more fight in us and only 4 weeks until she officially should move in, well that isn't going to happen is it !  it's been an absolute nightmare.  maybe we should have let it go long ago.  Fingers crossed this time.

Tuesday, 21 March 2017

OMDFG

No to this mortgage for Korin.  What has she got to do to get a bloody house.  feeling that she is about to lose this house now.  What a nightmare.  Feeling really fed up, sad, upset for her.  Nothing more we can do.

Monday, 20 March 2017

still waiting

OMFG  we are still still still still still still still still waiting !

Saturday, 18 March 2017

and we are still waiting !!!

Have you EVER known a mortgage take so long.  HOPE above all hope that Korin finds out by Wednesday of next week  22.3.17 at the VERY latest that she has this mortgage.  it is absolutely ridiculous that it's taken so bloody long.  Stress is not the word.

Tuesday, 7 March 2017

Well it's in your hands now !

If, mom you are looking down upon me, and I always thought that you were, please help Kozzie now and get her a mortgage tomorrow.  It's her last chance.  She is so desperate to get into her own little home and her last chance is tomorrow.  FINGERS CROSSED and as I said, IF mom you are looking down.  Please help her.

Sunday, 5 March 2017

The mortgage with Nat West was never going to be !!

the STUPID STUPID STUPID morgage adviser got it all wrong and my DD didn't fit the criteria.  8 weeks for absolutely nothing because it was NEVER going to be.  She covered it up saying it was Nat West that had pulled the mortgage but it wasn't it was her own silly mistake.  OK we all make mistakes but she doesn't own up to it.

NOW it is all in the lap of the Gods.  We've brought David into the equation and HOPE above all hope he can find her a mortgage without having to update the experian by Monday or Tuesday AT THE VERY LATEST.  I have nevere in my life having bought maybe 8 houses experienced anything so shoddy as all of this and especially as it's a new build it should have been straight forward.

So David fingers crossed you can come up with the goods.  That we can put the Housing Association off for another week that the Finance company have paid the fee which had to be paid to clear her Experian Report.  OMG I just hope there is nothing else this week because my head and Kozzies head will not take any more.

PRAY FOR US .............. no more stress.  PLEASE

Wednesday, 1 March 2017

OMG

No they won't update the Experian Report !!  well, they will but with a lot of hassle and we don't know if that mortgage will be available by then.  The poor GIRL.  I only hope that by Monday of next week she will know what is going on and whether she can get a mortgage.  She is so low, I am too, 8 weeks of stress and anxieties.  NOT FAIR at all !!!

Tuesday, 28 February 2017

& now WHAT !

more hassle more problems because of this mortgage adviser............now we'e had to pay off her car loan.  I know Korin will pay us back but it's more money she won't have after she moves in IF SHE EVER GETS TO MOVE INTO THIS BLOODY HOUSE.  Why is it so stressful.  7 weeks ago she should have had this mortgage and it's taken all this time for the adviser to sort it out.  I think she just thought that Korin would go away and not bother and kept putting her correspondence to one side.  Little by little we will get there.  IF she doesn't get this house we will complain about the adviser to the powers that be......would anything be done.  Of course not but at least I'll have my bloody say.  Stupid bloody woman.

FINGERS CROSSED TODAY THAT FINANCE HAS BEEN PAID OFF - FINGERS CROSSED TODAY THAT THEY WILL UPDATE HER EXPERIAN.  FINGERS CROSSED TODAY THAT SUN ALLIANCE HAVE SENT KEY A PROPER FORM TO CLAIM HIS PENSION MONEY, FINGERS CROSSED TODAY THAT EVERYTHING GOES THROUGH AND SHE CAN AGAIN APPLY FOR A MORTGAGE.  OMG THE STRESS !

Monday, 27 February 2017

What the fuck are you supposed to do

poor korin, too lengthy to type up.  but slim chance of getting house and the mortgage adviser is a pile of shite.......................i will have to complain about her.


Sunday, 26 February 2017

Now I'm panicking .................

Korins house - went to sort mortgage on Saturday morning and the 'products' - the mortgage products have been pulled, so it means we now have to wait until monday to find out if the mortgage she was going for is still available.  I am so fed up with all the hassle - one thing after another, poor girl never has anything go smoothly.  we have paid £300 retainer for Solicitor and £300 deposit - money we ill lose if it doesn't go through, but more importantly she will be totally and utterly devastated if she doesn't get it. so so fed up.  Please God ................. help her out a bit, give her a break.  PLEASE


it's a beautiful little house ...................... have had to wait two weeks whilst the mortgage advisor couldn't see her - so really it is her fault if she doesn't get this mortgage.  What a nightmare.


Sunday, 12 February 2017

Luna Luna Luna Luna Baby............I love you











everything is on track now - I sincerely hope all goes through for Koz




lovely little home for korin and hopefully the next phase is 2018 - we can put our house on the market and buy one similar next year.  I know Key doens't want to move but to get rid of our mortgage altogether would be fantastic.  FINGERS CROSSED.


Saturday, 11 February 2017

New photo's to scrap - our luna


Luna Rose Antoinette Birch

Welcome to our world baby, I loved you from the moment I saw your photo......born 5.2.17 at 10.32 pm at 8lb's 8oz - lovely weight, perfect in every way.

Thursday, 2 February 2017

Will our Luna be here tomorrow ?

how I hope everything is fine, my beautiful Granddaughters arrival is scheduled for tomorrow.  WELL, Alison is being induced tomorrow, but by all accounts it can take up to a week after the pessaries go in ................... but I know that little Luna is so looking forward to meeting her lovely family - well I hope she is.  I hope and pray that I do NOT hear about the babys arrival via facebook though and Alis mom, I will be very upset.

But I pray that she is fine and I am so 'made up' about her impending arrival.


There is a glimmer of hope

this Cameron Clark at the housing association has come back to Koz and said they can meet up on Monday to discuss these 2 bed properties - hopefully with a view to putting a reservation fee down ?  fingers, toes and everything else crossed, but he is so bad at coming back to her emails and she doesn't know what time on monday and needs to tell work what time she is off - so yet another email to him - hopeless !!  BUT he will be her best friend in the whole world IF he does offer her a property, its awful being under someone elses control, he decides if she gets, and i really really hope she does get - so uptight tonight......................


dont they just look beautiful, she would be in her element in one of these little happy houses.  Please Cameron cut her the slack she needs to get her own home.


Sunday, 29 January 2017

TO ADD INSULT TO INJURY

I have been called for jury service AGAIN - only 14 months after serving before.  I think I shall exercise my right to be excused as it was only 14 months, but no doubt they will put me on a list and as soon as September comes they will ask me again, i don't want to do it again, i really get up tight and stomach isn't good - i hate doing it - but you know what - no doubt i will have to.


There was NO positive news

korin didn't get the house next to Keirs - she is devastated.  it all comes back to her not affording something on here own.  so dissappointing.  She is now back to trying to get something on this new development, but after I spoke to him it doesn't look good as the finance company - this fucking Sophie says she can't afford it - yet Korin has a mortgage offer and has the funds for deposits etc.  so annoyed,  an absolutely fucking nightmare of a fortnight. AND NO LIGHT AT THE END OF THE TUNNEL AT THE MOMENT.

SORRY ABOUT THE LANGUAGE, JUST SO SO HACKED OFF AT THE MOMENT.

PLEASE SOMEONE GIVE HER A BREAK.

Wednesday, 25 January 2017

What a *uc*ing week !!

Wait wait wait - Estate agents and vendors - and waiting for housing associations coming back to us and to view other properties.  No one is coming back to us.  Praying and asking Angels - and STILL nothing.  PLEASE let us get some positive news soon !

Sunday, 22 January 2017

What a Saturday

10 am in to town to get leahs birthday presents and pop to i fancy one with korin.#
11 am to the house for korin to view - she loves it - but not a nice estate agent and trying to pull a fast one with regards to getting her to have  mortgage through them.  really annoyed with him we shall see she has offered 72.500 for her share of 50 %
12 noon was back into town for Korin to have her nails done, I had to go with her well take her because she was so drunk the night before I don;t think the alcohol would have left her system.
1 pm - well 1.30 pm we got to Keir and Alis baby shower.  It wasn't a rip roaring time but Alis mates had done her proud and she had lots of presents and they loved the rocking chair.
Home at 4 pm.
Knackered.  We were invited to Alis sisters birthday party on the night but it was a 21st and me and Key are just not into that kinda scene these days.  By all accounts not many people went, which was a shame and I hate letting people down but if we had gone it would have only been for an hour o wasn't really worth getting dressed up for.

Went to Keirs today key to help get the huge wardrobe down and to the tip - and I went to see the presents Alison had of her mates and beautiful csrds - she did really well.



Friday, 20 January 2017

Made these ATC's Lyndee

2 x winter, 2 x Valentine and 2 x Baby







just not in the mood for ATC's

I forgot to post these from my birthday meal




Korin is going to see ................. No.10

next to no.9 her brothers house.......................I love these little houses


fingers crossed if she likes it which she should that they accept her offer !  


Sunday, 15 January 2017

I will miss you Kozzie

Went with Korin on ~Saturday to see a mortgage advisor !  It's all going to be very tight but we think she can do it - in principal she has a mortgage offer and we hope that it all goes through, but I cannot tell you how much I am already worrying about how much I will miss her - I know we have our ups and downs at times, but really we are good friends and laugh a lot and cry together, and if she does move I will feel very lonely indeed.

I pray though that everything goes through for her as she needs to live her own life now. she's 25.  I truly wish she could meet someone really nice though and be happy too.

I suppose i feel bereft ? Down in the dumps kind of weekend.

Bereft ?    I shouldn't keep thinking about 'our' Marian, but she really did shit on me from a great height.  I don't know if she is feeling upset about not contacting me ?  just so she can stay with a husband who has been a bit SHIT for a very very long time.  8 weeks now, and although I have said I now hate her, I really don't.  We used to have a laugh on the phone sometimes, there was a lot of negatives, but we did have a laugh too.  I miss that.  I don't have anyone as close as that anymore, I have 'friends' but not ones that I meet up with for lunch or a cuppa ............... I could have, a lot of my customers have always said 'come see me' - lets do this together etc, and I always refused.  I had 'our' Marian to confide in - talk to - laugh with.  THEN  I think the last two years she hasn't bothered meeting up with me or going out with me or inviting me over to hers etc and every time her shite of a husband came home and she was on the phone to me she 'had to go' ?  but I still feel bereft.  It's been a bad weekend thinking about never EVER seeing her again.

Went out for my birthday meal................... to Turpins.  It seemed posher than usual but the prices weren't actually too bad considering  5 of us for £136 including the tip.  We didn't have puddings - I really couldn't having had Camembert and loads of bread and then a bloody pizza wrong choices really but it was cooked well, glad I stopped eating half way though the pizza though otherwise I think i might have been sick.


Today has rushed by...........................as usual washing and tidying and cooking and sorting stuff with Korin,  Will do another post about that.  Still feeling down and back at work as usual tomorrow.  I wish I could do 3 days at 5 hours rather than 3 hours every day - hate going in every day and getting up early every day.  Oh my goodness I do moan.




Thursday, 12 January 2017

My Birthday - stuck at home sick

Well sinus problems - hate taking time off work.

But as usual the family did me proud with presents .................................


off keir and Ali 


off Korin x


off Key as a main with a book '13 year slave' horrendous what happened to that poor woman and as I had to lie down nearly all day with sinus problems i read it in the day


lovely cards 


really beautiful cards


so blessed to have a wonderful family - very grateful 



chain off Keir and Ali lovely surprise

Sunday, 8 January 2017

My1stYears OMG

bought

two weeks before christmas for Luna;s arrival 

35 emails later - broken chairs, to and fro no deliveries - delivering to wrong address etc.  nightmare.  tnis is a cobbled together chair and is different colours !  -  but we got our money back and so Luna does have a chair but it's not as good as we wanted it to be.  But in time for her Baby Shower on 21st.  Praying everything is fine, 3rd February she is due.