Best wishes!

Hope everyone had a wonderful christmas. Just a couple more days and 2012 will come to and end. So I want to wish everyone all the best for 2013. That you may find love and happiness and a bit of security in these times of crisis. 

Last year I wrote about 2012 hopefully being the year of living together. Here we are, one year later and I am typing this in my own home :) I also wrote about being happy in my job. Well that turned out a little bit different. Hopefully 2013 will bring me a new job in which I can develop myself professionally. And then let's see in december 2013 what has come of it.

Happy Holiday's

Ciao!

Ixis 

Living Together

I've been living together for 2 weeks and still need to find my new rythm, and get used to doing things by myself (and my boyfriend). But it's so nice to have my own place, with my own things :)

Ciao!
Ixis

Quote

One week

I've been living in my new home for one week now. It's exiting and scary. For real now, I have to do all of the household work by my self. No mom or dad around to ask for help (well, they are just a phone call away but still). No cats anymore around here. My two precious ones. I miss them.

This place has to become my new home. I still have to get used to that, and my boyfriend and me need to find our new rhythm. And next week work starts again....

*update 12:03*
Today it's been a year since I graduated for my master at university. A whole year! Wauw. Of course I  expected new my life would change, but looking back, my life changed a lot last year.

Ciao!
Ixis

Renovation time!

It's been a while since my last blogpost, but it's only because I haven't been idle. It's been two and a half weeks since my boyfriend and I have gotten the keys to our little palace and we have been pretty busy. New electricity tubes have been created and / or shifted, walls have replaced, plastered and painted, the toilet and hallway have been demolished, wooden boards have been stained and so on.  Time flies, but there is no rush. In the evening I can go back home to a nice hot meal and shower and an lovely clean and fresh bed :)

*update 17.55hrs*
I just re-read my blogpost from July 1, last year. A blogpost in which I wrote about my friends who just got the keys to their first home.  Time really does fly. Already a year has gone by! Sometimes you have to stand still and realize such things, because otherwise your life just passes you.

Ciao!

Ixis

D-Day!

In a few hours we will be proud home owners. Getting quite nervous now.

*update 22.10*
We've got them :) And a first day of work is already finished. A new phase. It needs a little bit more of getting used to, but these are exiting times.

Ciao!
Ixis

First step towards living together!

Saturday my boyfriend and I took the first steps towards living together. We had our first mortgage talk :-) It was of exploratory nature just to be informed about the possibilities, the different options and everything that comes with it. 

We were already searching the internet and wandering around the housing sites to orient at homes. But  now that I have found a job we were able to prepare our finances and let someone do the math concerning the mortgage and monthly payments. Of course I need to get an employer's statement of intent as my contract goes for only a year, but hopefully that won't be a problem. 

There are so many different possibilities in the Netherlands concerning the mortgage. Do you want a savings mortgage? a grace(?) mortgage or an annuity mortgage? How about the monthly payments and the insurances? What if one of the salaries drops or falls away for a short period. I want some room in the mortgage and not get into trouble the same instent. It's a lot to take in at once and a lot to think about. But there we have a second appointment with a different bank to inform us about the opportunities. Just to get a complete picture about the possibilities, to hear the story from different players on the market in order to be able to make the best choice.

Soon we would like to plan the first visits to get a feel of how such a thing goes. What do you need to pay attention to? What way does the broker try to sell it to you? What questions do you need to ask? In short: exiting times are waiting for us!

Ciao!

Ixis