The winter of our discontent

With average lows of 5 and 6 degrees and Nigel’s completion of tenure date long gone, it’s hard to respond cheerfully when asked, “Why are you still here?” and invariably, the conversation turns to how we’re handling the suspense.

I guess on a personal level, I was looking forward to living in the real world – where medical specialists are quite a bit closer than a 600 km round trip and my cancerversary appointments don’t require an overnight stay. (Would it be it too black to say I’ll be peeved if I die before the move?)

Remember the ripple effect? Well, without a transfer date, we’ve put off paying car insurance annually (who knew it was cheaper on the coast?) and chosen more expensive monthly instalments until we move. Renewing the annual landlord’s insurance has also proven problematic – we can’t really lock in another year if we’ll soon be living there.

And with rising interest rates, it would be crazy to wait any longer to apply for an owner occupier loan so we’ve decided to pay the higher interest rate and lock in a 3-year fixed investor rate. Police Bank here we come!

Here’s an update on where we’re at.

After selling all our excess furniture and bedding (beds, bedding, chests of drawers, floor mats, lamps, wall art) and a round trip to the coast to complete the sales, we discovered that the vacancy wasn’t going to happen. So we organised another trip to the coast – except this time to restock the house. With fuel prices soaring and furniture and bedding purchases in excess of $1,000, I think I can safely say that my online shopping addiction is finally cured!

Of course, it might have been more palatable if there were a tax deduction down the track but unfortunately the ATO cares little about broken transfer promises and subsequent re-furnishings.

Nor will they support deductions for mistakes and /or change of mind. So my brilliant idea to secure the carport with lift-out panels – then, realising how heavy they were, replace them with swinging gates – will definitely not attract any monetary sympathy.

While fur tenant Lucy admires the extra space………… I suspect Bowie is unimpressed with the new boundaries.

Carport Before
Carport After

On the bright side our fifth winter in Cobar, with its incumbent “minus” temperatures, will soon be over. Plus, after quite a few ‘lost’ weeks, we have our first tenant booking in early October (obviously a sympathy booking because they’ve heard we need the money). Even better, we are soon to take off for 3 weeks’ annual leave in Paradise. Bring it on!

And, while we still don’t have an actual moving date, the transfer calendar says there’s one on the 16th of October with P447 (transfer paperwork) due by the 7th of September. Icy fingers crossed!

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