The ultimate incentive proposed! Buying a house, a wedding, and staying debt free.

wendz86

Wow monster post but lots of news. I am so glad you have decided to go the whole hog with the wedding, I was worried you would regret it if you didn't and that is great about booking the venue.

That did make me laugh about the man and woman next door, I know it was probably horrific at the time but sounds so funny. reminds me of when me and my friend Ellie were on holiday, we had a very early morning flight home but decided to have an early night. An hour or so in and we both woke up to some extremely loud squeaking which we realised was some people getting up to naughties upstairs, it was so loud and we so annoyed at gettign woken up but in the end we were both giggling and couldn't stop laughing. It was so rediculous how fast it was haha.

The house plan also sounds good.

Dinah93

Yeah it was the speed that staggered me too. And the language. I can't believe he paid £140 for a room when at that pace he might as well have used his right hand and a hardcore dirty movie and shouted insults at that.

Grief thats one scary weekend Tete! I'd post up my graph for the week, but I can't remember who I got that photo hosting with!

So doing a bit of a Monday morning fantasy. That ex-council house in the ideal location: If we got it £130k, and we had a 30k deposit (okay, unlikely i know given all our money (and more!) would be needed for keeping for repairs/extending/putting in heating etc so this would be entirely wedding money and help from NIMs dad) our monthly mortgage would be only £550 per month for 5 years. All our bills, including council tax, food, mortgage, energy, mobile phones would come to about £990 a month, meaning NIMs wage would cover all bills plus the cost of running a car excluding petrol to jobs. So my entire wage would be overpayments of the mortgage/petrol/spends/holidays/savings, meaning we could get a very good start on the mortgage before children arrived, and hopefully we'd be ahead enough that I could stop work to raise them once they did! Would have to keep doing the £10 a day challenge for more treats though

Tete_en_l'Air

Haha, have you no work to do missy?!

I got all excited looking at my account thinking my ebay money hadn't gone in yet, but it had

Dinah93

Eeek. I'm confused but also a bit suprised that somehow we seem to be ending the month about £500 less in debt than we started it.... but we've had a lot of unbudgetted things so where has that money come from?!

Cinny91

Magic money! Sounds like that ex-council house is coming up trumps Dinah. I really love ex-council houses, I think it's because my Great-Nan lived in one so I associate them with rhubarb crumbles and endless Sesame Street?

Please stop the house talk or you'll get me into trouble with OH! I promised I'd stop looking on Rightmove until we're ready to move out. I'm itching to just have a little looksie now!

Poolie

It is a mystery when that happens. Happens occasionally to us. I think it just happens becuase you have a heavy month and it catches up with a lean month later on.

Dinah93

I think I'm going to talk to NIM about maybe going to view it. It was up for £115k for 3 months and has just been put up in price to £139k a month ago, I can't work out why?! But it we could get it for £100k or £110k we'd be mad not to, and I'm sure NIMs dad would give us the wedding pressie early when we showed him the oppertunity. Of course, it may be a dud, but we won't know until we look.

Poolie

If you have a look you will get a feel for the place and can then make a decision if you are willing to take on this type of home.

Poolie

Oh in money news! I have managed to get my £6 done for STP that is about 35 tracks. Just got to wait on the cash going to paypal so I can get it to bank and off to Credit Card!

Dinah93

Yey Poolie!

In all honesty the house would bear abolustely no relation on the ground floor once we'd done the works. Its only the upstairs where it would be the same. Unless we tried to go the whole hog with a 2 storey extension but not sure we could stretch to that. It really is a shell, but I guess we'd get a good idea of the area (ie street) its on, its opposite the school so I've been there before but never really paid these houses much attention!