Thursday, October 29, 2009
The Red room!!
Sunday, October 11, 2009
Party Pics!!
The latest things done.
Thursday, October 1, 2009
Party time!
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No it's not the Housewarming....yet.....but it is Amber and Nicky's birthday parties. Amber and Nick have only had one proper "friends" party in their lives (excluding family gatherings of course) and it was a joint one as their birthdays are 11 days apart. This year, I promised they could have their OWN parties and have them at home. I haven't done a big home kids party for a very long time! So, Amber's is tomorrow and Nicky's next Saturday. It's time to clean up this place!!! Darren is coming home from work early to clean up outside and set up the BBQ in the top garage area. I am cleaning up inside and then I'm out to get some hay bales and horseshoes (Amber's is a horse party!). I'll post some pics soon.
Tuesday, September 22, 2009
And a bit of outside.
A little bit more of inside!
It's been a while!
Anyway, we have been blessed and have managed to get some money to finish the place. We have started ordering roll-a-doors, organising slabs for the garage, getting our lovely custom made doors in. Above are the french doors to the study. The left hand architrave is stained as it will all be. We are very happy with the look! We've also got all our cabinetry for the laundry, the "bag room" and our walk in robes. These will be our major storage cupboards so I can't wait till they're all done and I can put some stuff away at last!
Bless you all and have lovely school holidays!!
Wednesday, July 8, 2009
Next.......
Almost done! You can see the colour. Hasn't been grouted yet but has all the little nails as spacers between the tiles.
It is all finished now and I'm very happy with it. It's an olivey green colour and it ties in really well with everything else in the kitchen. The one thing I would change is the kick boards in the U shaped section. They are off white like the cupboards and just show so much dirt and scuff marks. I think stainless steel might look nice or the timber colour like the other wall.
I have been busily unpacking lately, all the boxes of things that aren't necessities, that have just been sitting in the rumpus room. Lots of books, sentimental items, toys, old magazines. I even found some great kitchen items I'd forgotten I had including some Tupperware I'd bought!
It is fun but my reasonably tidy house has become a city of piles!! Piles of stuff to be put here and there. We still haven't done a lot of our storage areas like our walk in robe, my "bag room" off the kitchen, the laundry cabinets, etc. So, I think I'll just keep the piles, but organise them into where they'll eventually end up. At least I can see all the things I have and get a vision for where to put them. Some of our things I haven't seen since we packed up Surrey Hills which was four years ago! It is quite fun!
Sunday, June 14, 2009
Life becomes normal....ish
I have been a bit pre-occupied lately with our finances. The bottom line is that this house has cost way more than we estimated it would and it has taken way longer to build. This has meant more time without income for Darren and we have ended up having to borrow more than we anticipated... so we now have a big mortgage.
Our construction loan was up at the end of May. It was a special loan just for the construction period and we had to either roll it over into a normal home loan with the same finance company, or re-finance with another institution. We have been paying a high interest rate (8.2% at present) up till now due to our circumstances (owner builders, low actual income over last few years due to focusing on our own homes, etc.) but we had always assumed that once the house was finished, we could revert to a "normal" interest rate, say in the 5% area with one of the big banks. As interest rates are pretty low at the moment, our rather large mortgage was still affordable if we worked hard.
Then, last week, we were rejected by one of the major banks due to our lack of income. We were devastated. We thought Darren taking time off work to build would work in our favour financially (rather than paying someone else) but now it was to be our downfall. Our current lender had offered to extend our loan for a year but at an interest rate of 7.2%. This just tipped the scales for us. It made our montly repayment seem too much, just not worth it. We started feeling like we should just sell up. We would end up with enough money to buy something else. We just felt like we had bitten off too much at one time, taken too big a leap. We had built a house that was just too big, too grand, too expensive in the end. If we had just gone for something more normal, we wouldn't be in this position. We felt like we had failed. Failed ourselves, failed God, failed our kids. It was horrible.
Since then, we have done a lot of thinking. It would be such a shame to sell now. The house is no where near it's potential, not to mention the limited market for unfinished homes. We decided that no matter what, we have to finish our dream, finish the house until it is beautiful and amazing. Then, if we do sell, we will get a good profit and it will have been worth it all. Darren has gone back to work, I am looking for a job too and we have decided we can do it. We are committed to finishing this house, albeit more slowly now. God has not brought us this far just to have it all turn sour. There is hope for the future. It is going to be financially harder than we thought but it is not as bad as we first thought either. The bank has said that after we have had a few months of solid income, we can re-apply and hopefully get that lower rate. It was more the shock of being rejected. It wasn't something we had considered. I guess it is part of the current economic climate, banks are just being very careful with their lending.
So, it has been a funny couple of weeks. A bit of a rollercoaster in emotions but we have all calmed down now. On we go..... with a smile and with gratitude for what we do have in life!!
Sunday, May 24, 2009
Painting upstairs and handrail staining
More of the kitchen
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