short term pain long term gain.

twirlypinky

Am getting rather sick of living in a tiny one bed house with my boyf just because we "own" it (with a 97% interest only mortgage). I want to just sell it and rent somewhere bigger, recognising the fact that we will simply go insane if we have to live in this tiny house for the two years it'll take us to save the deposit. He insists we stay put.

Is anyone else living in teeny tiny housing while they save up? Do you see it as short term pain for long term gain?

I'm trying to make myself feel better about the current position. I could be worse off i suppose, I'm clearly having a grumpy day!

When_is_the_reset?

twirlypinky wrote: »

Am getting rather sick of living in a tiny one bed house with my boyf just because we "own" it (with a 97% interest only mortgage). I want to just sell it and rent somewhere bigger, recognising the fact that we will simply go insane if we have to live in this tiny house for the two years it'll take us to save the deposit. He insists we stay put.

Is anyone else living in teeny tiny housing while they save up? Do you see it as short term pain for long term gain?

I'm trying to make myself feel better about the current position. I could be worse off i suppose, I'm clearly having a grumpy day!

I agree with you - flog it and rent somewhere.

You don't own anything and the interest is pretty much the same 'wasted' money as rent.

Enjoy your life!

twirlypinky

i suggested just putting it on the market for what he paid for it just to see what happens (doesn't cost anything now we don't need a hip) but he won't. He says it's lost value we can't afford to pay back.

I pointed out that house prices may well fall again and then we'll lose even more, but he's not interested.

I feel like a total girl in all of this because to be honest, i'm the broodiest person in the worl right now, and moving into bigger rented accomodation would mean we could have a baby. Where we are now, we can't. I don't want to use this as my basis for moving because it's not really very tangible.

Trying to stay positive really!

Out,_Vile_Jelly

twirlypinky wrote: »

I feel like a total girl in all of this because to be honest, i'm the broodiest person in the worl right now, and moving into bigger rented accomodation would mean we could have a baby. Where we are now, we can't. I don't want to use this as my basis for moving because it's not really very tangible.

Well, that is a tangible reason for moving, but if your boyfriend doesn't see it that way you might have to rethink a lot of things anyway....

BeccaBell

Twirly, I feel your pain.

Me and my boyfriend were housesitting for my aunt for 6 months. Lovely modern flat in a gorgeous location. Then she came back (selfish lol)
For the last 12 months we are have been with his mum and her boyfriend so we can just keep adding to our deposit whilst we look for our first home.
I get on great with his mum but being back "home" after having "our own space" makes me feel trapped as it feels we are stepping on other peoples toes. Always being on best behaviour, not feeling able to have my friends round, not able to spend days in my pyjamas.
Also 4 adults + 1 bathroom = no fun!

I do see it as short term pain for long term gain but it doesnt stop it being b***y frustrating!
We are also super broody so want our home so we can start our family and the rest of our lives!

When_is_the_reset?

twirlypinky wrote: »

i suggested just putting it on the market for what he paid for it just to see what happens (doesn't cost anything now we don't need a hip) but he won't. He says it's lost value we can't afford to pay back.

I pointed out that house prices may well fall again and then we'll lose even more, but he's not interested.

I feel like a total girl in all of this because to be honest, i'm the broodiest person in the worl right now, and moving into bigger rented accomodation would mean we could have a baby. Where we are now, we can't. I don't want to use this as my basis for moving because it's not really very tangible.

Trying to stay positive really!

One day he will learn not to mess with mother nature or the biological clock.

I tried..... and failed; it will always win.

I am now a very happy father of two daughters.

twirlypinky

Lol, i haven't wanted to have the full on baby coversation with my boyf because i don't want him to think i only want him for his sperm.

I don't know, it just doesn't seem like a valid reason to me.

Our house is so small that we're on top of each other all the time. His bike is in our sitting room and my (too small) wardobe is in the hall. Most of my belongings are at another relatives house because we don't have room.

I also worry that by the time we've saved the deposit and paid off any debt we'll pick up if the house we're in loses more value, i'll be 31, he'll be 39 and we're just not getting any younger and all that jazz.

Hopefully tomorrow i can have a sunnier view of this, today I'm just particularly grumpy!

twirlypinky

When_is_the_reset? wrote: »

One day he will learn not to mess with mother nature or the biological clock.

I tried..... and failed; it will always win.

I am now a very happy father of two daughters.

Someone actually suggested i got pregnant on purpose!! Not a road I'm willing to go down.

I know he'll make a great dad and we'll be super happy when it happens, it's just too far away for my liking, and since he doesn't really get broody, he's not fussed.

When_is_the_reset?

For many renting is the best choice - especially when it is far from clear that house prices will go up.

I really hope we can change from the 'we must own a house' attitute to one of 'what is best for us'. It seems obvious that this is making you unhappy and to change that is worth more than a few quid on a house.

I am getting all soppy in my (not-so) old age.

twirlypinky

I know what you mean. He is so worried we'll never end up owning, but i'm really not fussed. On two counts really, 1) we'll probably inherit quite a bit one day so if he really wants one we'll buy then and 2) we could buy one now, put all our money into it and then have to sell it when we're old to pay for our residential care.

lincroft1710

31 isn't old these days to be having 1st baby. My mum was 33 when I (1st and only) was born, well over 50 years ago. I've known quite a few women who didn't become mothers until their 30s.

On a practical note, selling the house could easily cost £2K, what's a 2 bed monthly rental compared to the monthly mortgage payment.