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No longer Living @ home and loving it
cassidy0111
Posts: 339 Forumite
This is the follow up to my old diary "Living @ home and hating it"....
https://forums.moneysavingexpert.com/discussion/3192512
.... as I have now moved out!!!
Bought a one bedroom flat in an area I know really well that is really handy for work... close but not too close which is good when you are a High School teacher.
Flat bought for £60,000 (home report was £72,000 and it had started off at £68,000 on Rightmove). As far as monthly costs are concerned my mortgage will be £225 per month (I had saved a good deposit and had help from my family) and my council tax will be £102. Other than that I am not quite sure in terms of electricity and I have yet to shop around for a TV/Broadband package.
so my costs are as follow..
Monthly pay: £2005
mortgage: £225
council tax: £102 (10 months)
TV/broadband: ?
Electricity: ?
Home Insurance: ?
Mobile phone....
£36 per month
Other expenses....
EIS union @ £12.30 per month (I need this for the legal cover it provides)
Gym membership @ £28.50 per month (I use this everyday for gym/swim)
https://forums.moneysavingexpert.com/discussion/3192512
.... as I have now moved out!!!
Bought a one bedroom flat in an area I know really well that is really handy for work... close but not too close which is good when you are a High School teacher.
Flat bought for £60,000 (home report was £72,000 and it had started off at £68,000 on Rightmove). As far as monthly costs are concerned my mortgage will be £225 per month (I had saved a good deposit and had help from my family) and my council tax will be £102. Other than that I am not quite sure in terms of electricity and I have yet to shop around for a TV/Broadband package.
so my costs are as follow..
Monthly pay: £2005
mortgage: £225
council tax: £102 (10 months)
TV/broadband: ?
Electricity: ?
Home Insurance: ?
Mobile phone....
£36 per month
Other expenses....
EIS union @ £12.30 per month (I need this for the legal cover it provides)
Gym membership @ £28.50 per month (I use this everyday for gym/swim)
Debt now £48,000 in the form of a mortgage 
0
Comments
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Wow. congrats on buying your own place! And that mortgage is tiny! You'll be overpaying in no time. Good luck!Mortgage - £78,982.40 4/10/13
Barclaycard - £1200 - 4/10/13
Virgin CC - £1315 - 4/10/13
Bank of Scotland CC - £1817 - 4/10/13
I want to be mortgage free by the time I'm 40, 11 years to go0 -
Mortgage....£225 per month
Council Tax... £102 per month (10months)
Mobile phone....£36 per month
EIS union.....£12.30 per month
Gym membership...£28.50 per month
Other costs to be determined.Debt now £48,000 in the form of a mortgage0 -
Smithyboss wrote: »Wow. congrats on buying your own place! And that mortgage is tiny! You'll be overpaying in no time. Good luck!
Thanks smithyboss, one of the benefits of living north of the border I guess. It is a "4 in a block" ex-council flat in a good area, ground floor, nice garden, one bedroom, recent roughcasting and insulation work has been done too. Pretty much walk in condition and within walking distance of work and 20 minutes on the train to Glasgow.Debt now £48,000 in the form of a mortgage0 -
Just been reminding myself of the furniture from my previous rental flat that I have in storage and drawing up a list of what I need. The flat is wooden floors throughout and I think I would like a living room rug. I have a everything required for living room and kitchen but need a new bed as my ex admitted that he had cheated in our bed so that ended up being given away.Debt now £48,000 in the form of a mortgage0
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Nice to read some good news on this forum topic!
I wish you every happiness in your new home. Brilliant!
:j0 -
RuthnJasper wrote: »Nice to read some good news on this forum topic!
I wish you every happiness in your new home. Brilliant!
:j
Thanks! Not quite moved in yet but I am on half term as of Friday so can get the wheels in motion.Debt now £48,000 in the form of a mortgage0 -
cassidy0111 wrote: »Thanks! Not quite moved in yet but I am on half term as of Friday so can get the wheels in motion.
Wheels on fire!
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Happy new diary
I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
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Well half term in Scotland is now a distant memory. I am now all moved in to the new place and my internet is up and running. I will now use this diary to avoid debt!!! (well except mortgage debt)Debt now £48,000 in the form of a mortgage0
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