The Five Year Plan…

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… Has changed. Once again.

The old plan was emigration - and quickly. I was going to extend my degree with a PGCE and teach out in Western Australia. The kiddies would have little bronzed bodies, sun-bleached hair and Aussie accents. They’d head straight for the beach after school and Craig and I would have shorter working hours. Our contact with our families would be solely through Skype and no longer would I have to take a daily ear-bashing from the MiL. We’d grow fat from BBQs and make funny YouTube videos of scary spiders that would go viral making us millionaires.

*Sigh*

Sadly this is no longer on the table. I have a chronic condition that the NHS kindly pays for month by month and it will be better managed here in the UK.

Our dreams may have been somewhat scaled back, but they aren’t dead in the water. I’ll still be slinging a satchel over my shoulder, booking the kids in after-school clubs and retraining at the local college. Stay-at-home motherhood has been fun but given my aversion to crafts, cooking and all things housewifey - I’m not so hot at it. I miss the stress and ruthlessness of the office and need to get back to work.

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Rather than fool myself that I have the patience and nurturing instincts required to be a teacher. I’m planning on going back into human resources. There’s something about in-house recruiting, packaging job benefits and attending disciplinary hearings that I really miss.

This house I sit in now was only ever meant to be a temporary home. It’s fine for us for the next 4 years whilst we build up to something bigger, but won’t suit the kids when they’re walking talking adolescents. It would be remiss to stay here and trip over one another when they start getting sassy and popping Do Not Disturb signs on their doors. I can’t see Craig and I ever having more children (these two regularly make me homicidal) but I still literally crave space for myself, even now.

So in four years’ time we’ll be trading up, moving out of Reading and out to the country (I might not be able to pop an ocean between myself and the MiL, but a few counties will do).

The problem? We’ve had our fingers burnt before when moving and know how tough it can be selling a home.

In fact, Craig and I have missed out on tons of houses due to frayed chains, reluctant sellers and changeable market conditions. We’ve now let our property out to tenants and have moved into rented property ourselves to get as close as possible to Dexter’s school. Although I’m thankful on each and every school run, I still often worry whether we’ve done the right thing. I’m happy with our tenants; they’re contactable at all times, pay on time and inspections suggest our home is being well-maintained - however I’ll still toss and turn at night. Until I’m in a C18th farmhouse with a hot tub, 5 bedrooms and free-range chickens, I’ll still panic about our home.

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Never-the-less the plan is in place. Ahead is a fulfilling life of hard work, treats and harmonious times with the family - no matter how stroppy they might be. Heidi might not marry a guy called Hayden on Bondi Beach - but who cares? Plans change.


Frugal families: Saving thousands with online estate agencies

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Moving is right up there as one of the most stressful life experiences you’re likely to undertake. Craig and I are actually serial renters and have somehow managed 5 house moves in the 4 years we’ve been together. Obviously we had our own properties when we started dating, then just one month after moving into a swish pad of our own, we discovered our plans for starting a family had been somewhat expedited! Throw in some job moves and a house that didn’t live up to expectations, and we’ve kept our local van company in business singlehandedly.

House move

We’ve both owned houses in the murky and unspoken world of previous relationships, and those pots of money are still relatively untouched, but a life in Australia beckons so buying again isn’t a priority for us. We live in one of the most expensive counties outside of London and a home to house us all comfortably would set us back £350k - much more than I can bear to part with in this climate of political posturing as we gear up to the General Election.

So we’re part of the private renting fraternity, and it seems we’re not alone. Due to a positively calamitous mix of bank-busting deposits, lack of confidence in the market and a severe shortage of affordable housing, there are millions of us lining our landord’s pockets. And let’s face it, hefty estate agent fees don’t help.

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Yet help is out there in the form of online estate agencies.

Far from being faceless websites embroiled in ruthless profiteering, online estate agencies could be the model of the future. As homeowners become more property savvy and technology literate, there’s an increasing disgruntlement over traditional estate agency fees. Having to hand over up to 1.5% of your house’s sale price for marketing your property and showing it to buyers, seems excessive (particularly when we consider rising property prices).

Last month online estate agency MOEA conducted some research that found homeowners in Britain could have saved £3.5billion in 2014 if they’d sold their properties online. For as little as £349, MOEA offer the same fully professional services as typical high street agents but instead of taking a hefty commission, they have a range of upfront packages to support homeowners with as little, or as much hand-holding as they need (representative of an average saving of £2,900). This significant saving is possible as online agents don’t have to fund chains of offices, large staff payrolls and commission for sales staff - without trivalising the matter, it really is common sense.

Having been stung by estate agency fees in the past, I’d certainly be investigating this new service if the need should ever arise. In fact, I have a sneaking suspicion the agent that sold my house did a little more than plump my cushions before inviting in prospective buyers. I was open to the idea of him flinging the vacuum cleaner around (not that it needed it!) but what I’ll delicately refer to as my “personal drawer” in my bedroom had definitely been disturbed. It didn’t bode well when he’d been desperately flirting with me during the valuation - he even sent me a friend request on Facebook!

How about you? Would you consider an online estate agent when selling your property?

 

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