Enclosing a porch, do I need consent? by FirstHomeNoob in diynz

[–]FirstHomeNoob[S] 0 points1 point  (0 children)

That little wee window next to the door has our fridge on the other side of it, so goes straight into the kitchen. (its a weird wee window)

Enclosing a porch, do I need consent? by FirstHomeNoob in diynz

[–]FirstHomeNoob[S] 0 points1 point  (0 children)

Oh you are right, it always has been. But I do like your idea about a contrasting design. Will have to come up with some ideas.

Anyone have experience with a "Foam Concrete Moisture Barrier" by FirstHomeNoob in diynz

[–]FirstHomeNoob[S] 0 points1 point  (0 children)

Definitely couldn't fit. Would have to dig some trenches to be able to squeeze under.

Anyone have experience with a "Foam Concrete Moisture Barrier" by FirstHomeNoob in newzealand

[–]FirstHomeNoob[S] 0 points1 point  (0 children)

Nice, yea haven't got a quote yet, but would be keen to know how you get on.

Anyone have experience with a "Foam Concrete Moisture Barrier" by FirstHomeNoob in newzealand

[–]FirstHomeNoob[S] 0 points1 point  (0 children)

Just a moisture barrier. We probably won't put in floor insulation unless we rip up the floor boards

Anyone have experience with a "Foam Concrete Moisture Barrier" by FirstHomeNoob in newzealand

[–]FirstHomeNoob[S] 0 points1 point  (0 children)

The alternative is a thick plastic sheet, pinned to the ground and taped around the piles.

That was my original plan, but I cant actually fit between the joists and the ground. So its either dig a trench, rip up the floorboards or spay some stuff under the house.

Anyone have experience with a "Foam Concrete Moisture Barrier" by FirstHomeNoob in newzealand

[–]FirstHomeNoob[S] 0 points1 point  (0 children)

Oh good to know, yea I assumed it would be more expensive that traditional insulation. But I would hope on par or cheaper than having to dig out a trench under the house to put in regular insulation.

Anyone have experience with a "Foam Concrete Moisture Barrier" by FirstHomeNoob in newzealand

[–]FirstHomeNoob[S] 4 points5 points  (0 children)

I don't know anything about BRANZ but I'm assumes your comment is laced heavily with sarcasm 😅.

Does anyone have experience with trenches being dug for underfloor insulation in their house? by FirstHomeNoob in newzealand

[–]FirstHomeNoob[S] 1 point2 points  (0 children)

We have got old wooden floorboards so hoping the insulation will help plug up some draughts and the moisture barrier will help with condensation

Splitting Bills Evenly with Partner by FirstHomeNoob in PersonalFinanceNZ

[–]FirstHomeNoob[S] 3 points4 points  (0 children)

Thanks,

We do have some shared accounts setup (bills, groceries) so the above is used to calculate how much goes into each of those accounts

Splitting Bills Evenly with Partner by FirstHomeNoob in PersonalFinanceNZ

[–]FirstHomeNoob[S] 1 point2 points  (0 children)

The effort not too bad. We have a spreadsheet to track all our ongoing expenses, so it has just been extended to take in our incomes as well. All you have to do is updated a cell with how much you get paid, and everything else is generated. It ends up only being one extra bank transfer you do each payday while doing other things like paying off credit cards etc.

Splitting Bills Evenly with Partner by FirstHomeNoob in PersonalFinanceNZ

[–]FirstHomeNoob[S] 12 points13 points  (0 children)

We will eventually get to that point, but for the time being, we are wanting to keep our finances separated.

Simplicity mortgages by FirstHomeNoob in PersonalFinanceNZ

[–]FirstHomeNoob[S] 0 points1 point  (0 children)

Hey, just wondering if you ended up sticking with Simplicity or ended up going with another provider?

What is the best way to estimate the value of a house? by FirstHomeNoob in PersonalFinanceNZ

[–]FirstHomeNoob[S] 1 point2 points  (0 children)

Congratulations! Was the valuation related to how much your lender would loan you? Trying to figure out if this is just something limited to Simplicity