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Balancing not just the budget

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Comments

  • RosaBernicia
    RosaBernicia Posts: 4,909 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    kerri_gt wrote: »
    I freaked out a bit when we got our mortgage, seemed such a big responsibility and had a massive 'OMG what if we can't pay it' moment - had to give myself a stern talking to along the lines of 'its no different to paying rent, except you're paying it to yourself, for your own benefit and your own home - if you hadn't paid rent then you'd have still been chucked out and you weren't all those years so go and look at some colour charts knowing you can do whatever you like because its YOUR home' :D

    Thanks Kerri :A

    I went online second hand furniture hunting to remind me that I don't have to pay thousands to furnish it either :D


    Rosa xx
    Debt free May 2016... DFW#2 in progress
    Campervan paid off summer '21... MFW progress tbc
  • ZTD
    ZTD Posts: 24,327 Forumite
    RosaBernicia wrote: »
    Thanks Z

    I really hope the inheritance thing won't be an issue!

    The limit is £325,000 - hence my assumption we weren't talking those sorts of sums... ;)
    "Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
    "We were born and raised in a summer haze." Adele 'Someone like you.'
    "Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky."     OMD 'Julia's Song'
  • doingitanyway
    doingitanyway Posts: 10,349 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    RosaBernicia wrote: »
    Thanks Kerri :A

    I went online second hand furniture hunting to remind me that I don't have to pay thousands to furnish it either :D


    Rosa xx
    I prefer the look of a room put together from second hand furniture. More stylish. Anyone can replicate an IK3A room but to put a room together with preloved items takes a certain flair that I'm sure you possess. :)
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 3501000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • RosaBernicia
    RosaBernicia Posts: 4,909 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    ZTD wrote: »
    The limit is £325,000 - hence my assumption we weren't talking those sorts of sums... ;)

    Yes, you're right that's not really a concern right now :rotfl:
    Debt free May 2016... DFW#2 in progress
    Campervan paid off summer '21... MFW progress tbc
  • RosaBernicia
    RosaBernicia Posts: 4,909 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    doingitanyway wrote: »
    I prefer the look of a room put together from second hand furniture. More stylish. Anyone can replicate an IK3A room but to put a room together with preloved items takes a certain flair that I'm sure you possess. :)

    Thanks DIA

    I have always wanted to be able to spend time sourcing good quality furniture and 'rescuing' lovely second hand things. I found some fab items on preloved and it was all I could do to stop myself emailing about a dining table that I don't yet have space for :rotfl:


    Rosa xx
    Debt free May 2016... DFW#2 in progress
    Campervan paid off summer '21... MFW progress tbc
  • Tinkerbelle2000
    Tinkerbelle2000 Posts: 597 Forumite
    Seventh Anniversary Combo Breaker
    How exciting is this week for you? Not one but three potential homes to look at. And as you aren't in a great hurry you kind of have the upper hand if that makes sense.

    I too am amazed at how far we have all come on this journey together and hope we will be here for a lot longer, not debt wise but just to help each other out in life.

    Tink xx
    As of 31st December 2018 Total Debt = £15837.59
    DEBT 1 - £41.10 DEBT 2 - £257.41 DEBT 3 - £584.12 DEBT 4 - £700.00
    DEBT 5 - £655.02 DEBT 6 - £669.18 DEBT 7 - £3448.00 DEBT 8 - £2169.12
    DEBT 9 - £2964.25 DEBT 10 - £4349.39
  • RosaBernicia
    RosaBernicia Posts: 4,909 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Offer accepted! House buying is GO! :eek::eek::eek: :D :j


    Rosa xx
    Debt free May 2016... DFW#2 in progress
    Campervan paid off summer '21... MFW progress tbc
  • EssexHebridean
    EssexHebridean Posts: 24,672 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Woop! Awesome news!! :T:beer::j:money::D
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    Balance as at 31/08/25 = £ 95,450.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • doingitanyway
    doingitanyway Posts: 10,349 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Congratulations :)
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 3501000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • kerri_gt
    kerri_gt Posts: 11,202 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Xmas Saver!
    Yay, well done Rosa it's amazing what being in a string position can do for offer acceptances.
    Feb 2015 NSD Challenge 8/12
    JAN NSD 11/16


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