Presenting...Our New Home

Removing some bushes that blocked  our precious sun

It has been  a couple of weeks now since we moved in. As keen as we have been to get right into tidying the place up, the weather has has other ideas - Snow, flooding, sub-zero temperatures, howling winds. So we jumped at the prospect of a sunny Saturday to put up a (massive) kitset shed - but that is a post for another day.

I managed to take a few photos of the empty house when we moved in. I thought I would compare them to how we have the place looking now and I must say it feels like HOME. Bliss.

 Thia is part of our 'U-shaped open plan Kitchen/Living'. The kitchen is to the right and the exposed brick is the back of the fireplace which is in the lounge. 

 This is the back of the fireplace close up. The wooden cabinet came as a chattel and it makes for handy storage! The bricks in the ceiling fell down in the quake and have been removed and replaced with a  modern flue, so the brick is there for decoration and awesomeness.

 Our sunny lounge! Fireplace on the right. Once we get EQC through the place we will be changing the wall colour yay! It is growing on me slightly though. 

The Multi-Coloured Hallway! Bleugh!!!

Not quite sure what was going on here but once again, hanging out for EQC to paint this monstrosity. My vintage bike and suitcases slightly make things better.

The mantlepiece/sewing corner/unorganized chaos

Loving the mirrors and the old printing frame.

So there you have a wee sneak peek into our tiny new home. The outside is a story for another day.

xx

Diary of a Derby Girl {Two Months In}

I can't believe that more than two months have gone by since I began skating. It seems like forever but also like I am still such a newbie. (I am, no doubt  about that!)

We are getting more into the swing of things now, Fresh Meat trainings are more familiar, coaches generally know our names, and our group of freshies is becoming quite tight.

Looking back on my last post, I can already see my progress. The basic skills are becoming second nature and I am getting stronger. The most obvious case is my balance on my bad leg (we all have one side that Just.Won't.Work). Two weeks ago I was only able to get my foot off the ground for a millisecond, now I can confidently glide around one straightaway and one corner (as per skills test requirements).

Speaking of skill tests, we have our non-contact basic skills test tomorrow. Covering the easy and not-so-easy basic skills. You may have heard that the Minimum Skills Requirements have been updated at the beginning of the year. The most contested of these is the change from 25 laps in 5 minutes to 27 laps in 5 minutes. Thats 11.1 seconds per lap! Luckily we are not being tested on that part just yet. We are focussing on whether we can skate correctly, if we can balance well, if we can stop quickly and if we can fall without being a danger to others or ourselves.
I am quietly confident that I will pass, although any slight mistake could change that (be nice please Mrs Assessor!)
Wish us freshies luck!

Photography credits: Pamela Wade Photography & Amber Field

Home.

We did it. We made it into our first home. It still feels like it's a flat, like we have to give it up or ring the landlord but I think slowly it is sinking in that this little house is ours. For as long as we want it. To do whatever we want with. We already have Plans. Dreams. To make this place better, more accessible, more us.

But first, how awesome is the door knocker!! It was already on the door! Perfect for this crafty fox.
Here are some snippets of our house - more when I remember where I put the camera cable!

The Pizza Oven. Bath attached. Severely damaged from the earthquake but who knows what will happen this summer!

My craft space. In the lounge. The only other thing I can't find is my box of trinkets to go in the printing frame.

The mantlepiece. Makes me smile whenever I look at it.

Dave getting stuck into some landscaping. Our 'established section' has become less Jungle and more Cottage. We got two trailer loads of green waste from that afternoons effort!

Finally, the fireplace. So stoked (pun) to finally have a fireplace to keep this house cozy. Added bonus of a heatpump too for those nights we are too lazy or not in for long.

I am excited to do house tours as we become more and more hospitable. Invite yourself over for dinner sometime, we would love to have you! It's board game weather too.

Xx

Crochet Ripple Baby Blanket

At the very last minute, an hour before the recipient of this blanket was due to arrive, I put the finishing touches to this blanket.

It has been a sort of medium-term project, it took me just over a month to finish. I used some super soft washable merino baby wool in black, white and a not-quite-pastel, not-quite-lime green. I love the black/white and one other colour combo so you will probably see it pop up more in my projects.

The blanket is not quite cot sized, more like a capsule blanket or cuddle blanket.
I used 3x 50gm balls of each colour then about half a ball for the border.

I used Attic 24's Ripple Pattern and Wires and Yarns pattern to make a straight edge on a ripple. Basically anyway. I tend to mess up somewhere down the line and improvise the rest of the way. At least my sides aren't too wonky.

I am excited that a baby will soon be snuggled up in this blanket, it's like me being there when I can't physically be there. This baby boy will be super warm and cozy.

Lappys back!!

For nearly a year now, my poor laptop has been hibernating. I thought it was dead.
One day it just decided to just stop charging and I thought it was the end. I dealt with it gracefully. Dave made a frankenstien desktop with parts from work and we were web-capable again. That is all I needed. Apart from the convenience of a laptop I really didn't miss it for the most part. Dave was also happy because I wasn't always reaching for the lappy when we watched TV.

With House-Moving Day coming up close, Dave has packed down his computer and I was destined for updates from the web-isphere from my iPhone but since I sold some stuff on Trade Me I decided it was about time I brought my lappy back to life. I recently found out that lappy was not dead, but the charger was. Thanks to a third party seller on TM, all I needed was $40. Bargain.
And here we are again. All my favourite tabs saved up the top, two-finger scroll (it's a Mac) and best of all, my photo library!

So to treat you all I will delve into my photo archives. Enjoy!

 I was in a couple of girl bands at school. We were pretty awesome. I was the drummer.

 7th Form bonding. We went bowling in teams. Our team was the Goths.

 I was a surfer girl. Although I look like a boy here. With my mens boardshorts and gangster walk and Superman backpack.

 Girl band 2.0

What I have a degree in. Sound engineering! This was during the set up for a Rockquest in Dunedin during a snowstorm!

Phwoar! Some major shame-age here, feel lucky my dear readers!

Regular crafty blog posts will resume once my life and home is in order!

Fancy-Pants TV

As a moving in present to ourselves (that's counted as a housewarming gift right?) we bought ourselves a new(ish) fancy-pants TV. Yes I know we are slightly behind the times here but that isn't the point.

It arrived today so we have a couple of weeks of getting used to it before we move in to our new place.

To make things even fancier, Dave decided that he would up-cycle some furniture to become the new TV cabinet.

This set of drawers we found on the side of the road in all of its brown veneered glory. It was so fresh on the curb we had to ask the owners if it was free. Lucky for us it was. Sadly we have no before picture of the ugly drawers.

Dave decided that he would take out the top two drawers and turn it into some shelves. This would make them able to house our array of gadgets. The white paint looks epic and ties in nicely with the rest of our furniture. I can't wait to see it in the new place!

First Home Buying - Lessons Learnt the Hard Way

As previously mentioned we are lucky enough to have purchased our first ever house!

We have yet to move in (any packing tips would be much appreciated) and are anxiously waiting for June 7th when we GET THE KEYS!

We had a bit of a long and tedious road getting to where we are now and I know we learnt a lot of lessons the hard way. So to save you the hassle I thought I might share a few little tips and tricks for first home buyers. I know everyone has a different experience but this is what we found worked best for us.

• Brokers are your friends. A broker gets paid commission from the bank you choose to get a mortgage with. So it is a win-win situation - you get the best deal on a mortgage, he/she has to work hard to make you happy if they want to get paid.
  Lesson learnt: Trying to fill in application forms yourself may be fun at first, but having to go back and forth and back again to each bank is time consuming and soul destroying. Find a broker and they will be your middle man. If the bank needs more paperwork, the broker will ask you for it. The hardest part is pre-approval, once your offer has been accepted then it is nearly all out of your hands.

• Pre-Approval is also your friend. Go to said broker and say you want to look at buying a house. He will ask a few quick questions to make sure you are in the right place financially and go from there.
  Paperwork you will need: 2 forms of photo ID - usually copies that have been certified by a JP
  - 3-6 months of bank statements for all accounts including credit cards. Handy tip - keep your accounts in the green for this whole time, it has been known for banks to refuse you if you go into overdraft.
  - A letter from your employer stating when you started and what your yearly earning are.
  -Different banks need different things but get organised and get a printer!

• Kiwisaver pros and cons - Kiwisaver has a couple of interesting ways of using your retirement money for a first home. The first way is that you can use your employers and your own contributions plus any interest earned to go towards the deposit of your house. This does not include the $1k Government kickstart or any Govt contributions. You can find out how much you can withdraw by logging into your online IRD account and clicking the Kiwisaver tab. This money is to go towards the deposit of the house but the catch is that it only gets paid out on settlement day (or up to 10 working days after) so when you pay the deposit when the house goes unconditional you will need a temporary overdraft from the bank to cover this amount.
  
  - The other way Kiwisaver helps is by partnering with Housing New Zealand to provide a First Home Deposit Subsidy. If you have been contributing to Kiwisaver for more than 3 years (read: 36 solid months) then you are probably eligable for a grant. You get $1000 for every year you have been CONTRIBUTING to Kiwisaver up to $5000. Per person. The catch here is that we got caught out because although we have had our Kiwisavers open for 3+ years, we have been studying and had odd jobs or casual jobs that we didn't contribute to Kiwisaver. When you go to do the form you have to cross reference a list of your Kiwisaver contributions with a list of your income and make sure it adds up to more than 36 months. Ours didn't :( PLUS that part is super headache inducing!!
  
• Research - As soon as you have decided that buying a house is the next Big Step in your life then go to as many open homes as you can. I am serious here. The more you look, the better idea you get for what a house is worth in the current market. We got our house valued after our offer was accepted and it was bang on what we paid for it. This is down to the research we did and what we thought the house was worth. It wasn't our max price, it was us being sensible and knowing what the limit was.

• Open Home Hints
  - Don't be afraid to put your details down with an agent, if you find a nice one they might be willing to let you know of any places that suit you before they are advertised.
  
  -Ask lots of questions - know your way around insurance claims, ask what sort of ballpark figure the vendors are after, ask what chattels are included.
  
  - Don't be afraid to open every door and examine everything. That is the point!
  
  - Have a debrief after and list the pros and cons of that specific property, what the max price you would pay for it would be and if there are any deal breakers (ie next to train tracks)
  
  It also helps to have a list of ideals you would like your first home to have. Keep in mind you aren't spending mega bucks so if you aren't keen on DIY then you might need to keep saving or downsize a bit.
  Our major ideals were that we wanted some land and we wanted a standalone house. We also wanted a garage or shed but that didn't quite happen but there is the opportunity for one.

•  Money in your Pocket - There are a few costs that appear once your offer is accepted that you need to be prepared for. You need to make sure you have enough money that is easily accessible (not in a trust fund etc) to pay for the below items. This money should not be included in the amount you have for your deposit.
  I recommend approx $3000
  
  - Builders report - $400-$800
  - Valuation (some banks require this) - $500-$600
  - Lawyers Fees (some banks put towards this as an incentive) - $1200 - $2000
  - Lease Break (1 weeks rent + GST generally)
  - Moving Costs ($50 - $1000+)
  
  Obviously every situation is different but I am mentioning this to save you from a giant shock when the invoices start arriving!

• Builders Report - This is a requirement to all house buyers. Not all builders are qualified or experienced enough to carry out this inspection as you need to get it signed off and approved by the bank, the lawyer, the insurance company and yourselves.
  You can get a variety of services for this report - starting from a basic package to a package where the builder does the inspection and quotes for all the work needed to get the building ship shape. This can be handy if you want to know how much you will need to fork out once the house is yours. Not so necessary if you have an amazing hubby like mine who can do most of it himself. It is also worth mantioning that the insurance company will not approve your application without your builders report so as soon as your offer is accepted get onto this ASAP. You usually have 10 working days to get the report and the insurance sorted but things are crazy right now, especially in Christchurch.


• Lease Breaking - Since this is your first home you are likely to be renting. The ideal situation is to have a periodic tenancy which you only have to give a few weeks notice. Unfortunately most property management companies have fixed term tenancies so unless you time things really well then you will have to break your lease.
  It seems that some companies do things differently but in my experience we are required to give written notice and pay 1 weeks rent + GST for an administration fee to get the house advertised again. You are also liable to keep paying rent until a new tenant is found. Lucky for us in Chch I am fairly certain that this will not be a problem.  

• Welcome Home Loan - This is a Government incentive scheme to aid people who have trouble coming up with a deposit for their first house. There is an income cap and a whole bunch of strict conditions but if you qualify then it may be worth your while! You only pay 15% deposit on the amount of the house over $200,000. This could mean no deposit!
  We have gone through this scheme and have had ups and downs. I recommend going through a broker familiar with the process, having a good lawyer also familiar with the process and making sure you extend the finance condition on your offer from 10 working days to 15 working days.

Information Overload? Sorry about that. I would love it if this information helps in any way, any stress saver is a good one right?

Please, please keep in mind that all this information is from our own experience and may not be completely accurate forever.Some things I am still a bit hazy over but I think the basics are there. If you have any questions feel free to email me at amyliz80 (at) hotmail (dot) com.

Good luck house hunting!