An Update on Our New Home

An Update on Our New Home | Olivett

I thought it was about time that I caught you all up on what is currently happening with the purchase of our new home. If you remember last year, we had found a modest maisonette close to the city centre, which we had an offer accepted on. As all first time buyers we were excited about the prospect of finally being able to purchase our first home. Especially as it is something I have wanted to do from such a young age; however we were very aware that having an offer accepted is far from getting your hands of the keys and moving yourself in. We went through all the normal motions of arranging a mortgage, legal paperwork and surveys etc, when the cracks started to begin to show. The report back from the surveyors highlighted some fundamental problems with the property and to cut a long story short, we were told that despite the property being advertised as a 2 bed flat, it was in fact only a 1 bed and there was an almost zero chance of us being able to do the work needed to be done, to ensure it is a 2 bed property. To add insult to injury the sellers decided to keep quiet about this for several months, knowing full well that they had not had the extra room signed off and in the end they decided to offer us an insurance policy to compensate. The policy essentially would pay out if we were ever challenged on the compliance with building regulations for the 2nd ‘bedroom’, and would supposedly pay out for any work needed to be done to rectify this. Well considering there was no chance of us being able to do said work, we laughed at the hilarious offer, accepted that this had been one of those life lessons, cut our losses and got out of there!

Fast forward about 8 months and this is when we can truly appreciate the saying that ‘everything happens for a reason’.  Things are looking a lot brighter for us, our financial situation has improved and we are now able to afford a much bigger and better property. We have in fact had an offer accepted on a new home, which we are incredibly hopeful will run a lot smoother this time, but again you never know!

Although I know anything can happen and it could quite easily go wrong again, I just can’t help myself thinking about how I would like to style the new space. I have been on Pinterest almost daily, thinking about colour schemes and decor, so assuming that everything goes well this time (cross your fingers for me) I think there will be a lot more interiors content here on the blog for you to browse through.

I hope you’re all having a wonderful Sunday, please don’t forget to follow me on Pinterest and Instagram for more interior inspiration!

Olivia x

 

For Couples | Christmas Gift Guide

Christmas Gift Ideas for Couples | Olivett

We all know a couple that we want to buy a present for this Christmas, but it’s not always easy to find a present to cater for both parties. Whether it’s your parents, grandparents or friends, you want them both to enjoy the gift and it can be hard to find the right thing for them. That’s why I thought it might be useful to pop together a couples gift guide to give you some inspiration. I’ve browsed the web and found some gifts which suit a variety of budgets and I think would be perfect to give to your loved ones this Christmas.

 

His & Hers Luggage Tags from John Lewis | Olivett

1. Kate Spade His & Hers Luggage Tags £22 // John Lewis

 

Pineapple Lamp form House of Fraser | Olivett

2. Pineapple Lamp £57 // House of Fraser

 

Moroccan Drinking Glasses from Anthropologie | Olivett

3. Liselotte Glass Collection £10 // Anthropologie 

2017 Calendar from M&S | Olivett

2017 Calendar from M&S | Olivett

4. Illustrated Cities Calendar 2017 £6 // Marks & Spencer

Gin Kit from Selfridges | Olivett

Gin Kit from Selfridges | Olivett 5. Homemade Gin Kit £44 // Selfridges 

Cheese Board from Oliver Bpnas | Olivett

6. Round Marble Cheese Board £30 // Oliver Bonas

Tile Gen 2 Bluetooth Tracker from Currys | Olivett

Tile Gen 2 Bluetooth Tracker from Currys | Olivett

Tile Gen 2 Bluetooth Tracker from Currys | Olivett

7. Tile Gen 2 Bluetooth Tracker – 4 Pack £49.99 // Currys

Never loose your keys or phone again!

Where to Go When Book from Urban Outfitters | Olivett

Where to Go When Book from Urban Outfitters | Olivett

8. Lonely Planet’s Where to Go When Book £19.99 // Urban OutfittersCopper Cutlery from Next | Olivett

9. Set of 16 Copper Cutlery £32 // Next

I’d love to hear what your favourite gift is, leave me a comment below and let me know.

Olivia x

 

Who to Follow on Instagram?

Olivett Instagram

Since i’m such an Instagram addict I thought I would share the love and let you all know which accounts I’ve been loving recently. When it comes to what I look for in an account that I want to follow, they obviously have to have good photography, but I also like to see an individuals personality shine through their pictures. They tend to be consistent in pushing out beautiful content, so I know there will be more to come in the future. Plus I’m a sucker for cute interiors or stunning outfit photos. These are some of the accounts I could scroll through for hours, all of which offer something slightly different, but keep me coming back for more.

 

For Beautiful Imagery…

Liv Purvis

Liv Purvis

 

For the Outfit Posts…

Sarah Ashcroft

Sarah Ashcroft

For the Interiors…

At Home With Abby

At Home With Abby

For All Things Girly…

Naomi Victoria

Naomi Victoria

For the Creative Art…

Paper Fashion

Paper Fashion

Olivia x

 

How to Save for Your First Home

How to save for your first home

 

So me and my boyfriend recently managed to save up a deposit to buy our first home. It’s been a long process but one that I think is well worth it, especially as ever since I was little I dreamed of owning and transforming my own place. I have always had such a passion for interiors, so with the added bonus of the security that owning your own home gives you, it just felt right. Unfortunately we all know that these days it’s not quite as easy to get a mortgage let alone save for a deposit, so I thought i’d share with you all exactly how we have managed to do it, in the hope that any of you who are wishing to get your foot on the property ladder, get a shot of owning your own home too.

Stay With Your Parents (If You Can).
Now I know this may be easier said than done, especially if you have been to university or moved out already and got some independence, then the last thing you will be wanting to do is stay in your family home again. But trust me, you will thank me for it later. Once I had left university I stayed with my parents for 18 months to save as much money as possible before I moved out and during that time I was having a long distance relationship with my boyfriend, so the temptation to just up and move in with him was massive. But I knew I would thank myself for it later down the line and it was an investment in our future together. To be honest staying with my parents was great, I have a fantastic relationship with my parents and they were so kind in letting me stay there rent free so that I could build up my savings much quicker, but even if you do end up paying your parents some rent, I bet it will be a damn sight cheaper than what you would spend on living in your own place, once you add on bills and food. Plus think of the positives, you will probably end up sharing the housework, so you wont have to make dinner and wash up every night like you do when you live in your own place.

Review Your Finances
Looking through your in-goings and out-goings can be so valuable to see where your money is going. It’s amazing how a few drinks at the pub, once a week, can start adding up. I sat down with a notepad and tallied up what food, going out, shopping, running my car etc. cost me and then I looked at what I could cut out to save me some money. This including things like me trying to find cheaper alternatives, if I couldn’t cut them out all together, such as finding cheaper car insurance. Once I had done that, it made me more conscious of how much things were costing me and I would restrict myself more, whilst still having a good time and treating myself every now and then.

Set an Amount to Save Every Month and Stick to it
This is something I stuck to religiously. I looked at what was the largest, yet most realistic amount for me to save every month and I made sure I did it. Once I got my paycheck I would transfer that money into a savings account so that I wasn’t able to spend it. I think for me if I hadn’t put that money away immediately at the start of every month I could have easily dipped into it when I went on a night out or spent the day shopping with friends, but since I never really saw that money in my bank account I wasn’t tempted to spend it.

Save What is Left Over at the End of the Month
If I ever had anything left over at the end of each month I tended to pop that towards my savings as I knew even a spare £20 here and there would all add up over time and accumulate into something bigger. It may not seem much but it all adds up and it’s actually quite fun to see your savings account grow!

Do Your Research
Even before you are starting to seriously look at buying a house, it is worth researching some of the government schemes and ISAs which are designed to help first time buyers. For example with the help of the UK government you can now buy homes with just a 5% deposit, so if you’re buying a £200,000 home, you will need to save £10,000 as a deposit, which is still a lot of money, but it is a hell of a lot less than what deposit rates used to be. Alternatively you can buy a proportion of your home and part own it with the government, using a shared ownership scheme, if you cannot quite afford the full amount of your home. Whatever your circumstances now is a good time to get searching online and making inquiries into what help is out there as the government is well aware of how hard it is for first time buyers and there is support out there.

Look at Savings Accounts
I discovered the government help to buy ISAs which offer to add £50 to your total, for every £200 you put in – that’s essentially adding 25% to your pot of money. Unfortunately there is a cap on how much you can put in each month (max £200) and on the total savings you can have in the account before they will stop topping it up (max £12,000). But either way that extra money has helped us considerably and especially as both me and my boyfriend were able to have our own accounts. We were both able to save £200 each month and with the extra £50 each topping us up, this made our monthly savings £500. ISAs in general are a great way to save money because in most cases the money is locked into the account for a certain amount of months or years, which is really helpful if you are trying to be strict with your savings and you are at the start of your house saving journey. However they’re not so good if you think you will be buying anytime soon, as you may have to pay a penalty for withdrawing your money early. With that being said it’s always a good idea not to put all your money into an ISA as we all know rainy days do happen and it is good to have some cash in an accessible bank account if any unforeseen bills creep up on you.

Sell Your Old Stuff
Me and James did several ‘clear outs’ when we were saving (and still do) to free up some extra cash. My parent’s garage was full of things we didn’t use any more, so it was the perfect place to start to find things we could sell. We would regularly round up old toys, furniture, clothes etc. and take them to a local car boot (FYI if you haven’t done a car boot before they are great fun), we would always make at least £50ish, sometimes over £100, for things we weren’t even using. I also would sell things on gumtree or ebay or depop so that we could round up all the spare cash we could get. One thing I found useful to do is to put the cash in a safe place straight away and not in your purse, unless before you know if your dipping into the profits and your savings won’t benefit.

 

I hope some of these tips were useful in helping you think of ways to save up your money and hopefully get you on the property ladder as soon as possible. I think the main thing to remember is be strict with yourself but don’t stop yourself from having fun. It’s easy to go out and spend money without much thought when you’re earning but you will be so grateful for all those sacrifices you made when your in your new home.

Olivia x

Tips for relocating

 Tips for relocating
About a year ago I decided to take the plunge and move to a completely new area, a big city which is a world away from what I left behind. I was living with my parents in a small town – everyone knows everyone and I didn’t feel there was much hope of pursuing the career and lifestyle I would like if I stayed there. Saying that I thought I would find relocating a bit of a bumpy ride… mainly due to having to leave my family & some close friends behind. Surprisingly, the move has gone pretty positively (maybe one slight hitch) but we will gloss over me having a little cry when saying goodbye to my parents. I thought that some tips might help any of you that are feeling apprehensive about making a big move.

Plan ahead – if you have a few weeks or months until you make the move then one tip I would give you is to try and buy some of the essentials ahead of time. It may be a chore to transport but i’ve found that if I give myself enough time to research the items I need then I am more likely to invest in pieces which I really like. These then end up lasting me much longer, rather than being an impulse buy because ‘I need a duvet cover now’, which inevitably will end up being replaced a few months later.


Have a clear out
– be really strict with yourself, this is your opportunity to cut out all the unwanted stuff in your life. If you haven’t worn that top in a year then why not try sell it on ebay or depop? Are you still hanging onto those cuddly toys from when you were 5, then why not donate them to charity so that someone else can get some use out of them? It will make you feel much better and your head a lot clearer, if you get rid of the stuff you no longer use, rather than traipsing it all to your new home.

Embrace your new lifestyle
– if your moving somewhere completely different, embrace it, don’t sit and think about what your leaving behind, think about all the good that comes from your new move because there must have been a good enough reason to consider moving in the first place. If you’ve started a new job, make the most of it ask questions and get to know knew colleagues. If you’ve moved to a vibrant new city then grab your friends and go out and try that new cocktail bar that you’ve been eyeing up.

Throw yourself in
– meet new people, start a hobby, join a few classes or the gym.. allow yourself to meet new people and stay busy so that your not thinking about what you’ve left behind.

Host a get together
– invite friends over for drinks or a BBQ, having a good network of people around you will always ease any move. Alternatively why not ask friends or family to come visit.. show them the sights and it will make you feel more settled knowing they have been to see your new place.

Explore
– get to know the area, go on walks and find your way around. That way you are more likely to get the most out of, and enjoy, were you are living. Discover some quirky new bars and shops to show your loved ones when they come to visit, that way their trips will be all the sweeter.


What’s the worst that can happen?
– So you move and realise that you don’t like it. Then all you need to do is make the move back. So you have to get a new job? It won’t be the end of the world. You have to believe in yourself and take the plunge, because that’s what life is all about right?.. taking risks and enjoying yourself!

Olivia x

Relaunching Olivett…

Relaunching Olivett

 

After loosing my blog to a mixture of pretty nasty technical issues, me being a complete newbie at this blogging malarkey and life just running away with me, I finally have it up and running again….Hallelujah!! It has felt strange not being able to type away about my thoughts and feelings on whatever takes my fancy. I had begun to get into a little routine with blog post prep, writing, photography etc. so boy am I glad to get back into the swing of things.

I’m planning on getting a schedule together this week, so that things can be a bit more organised this time round and that I don’t end up loosing my hard work again DUH.

I’m excited for lots new content… so watch this space and enjoy 🙂

Olivia x

 

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