28 - If only I had a nickel. ;)

stewby

Hi thistlewhistle.
Thank you for reading. I will have to see if I can track down your diary to have a read.


It was going really well (and still is, I suppose). I have just gotten caught up with a house and it could change our lives.
Explained the financial benefits to my OH tonight (with the aid of excel as he couldn't quite grasp it). We would drop our outgoings quite significantly.
He was obviously impressed as started looking around the area to see where the local pubs and shops are.
:rotfl:

My Dad (who has always been my financial advisor) keeps telling me to slow down and not rush in but I can't help it. I don't want to lose the house.
I think I will send him an email to explain that I have thought it through.
:undecided

jodles16

Hi Stewby, fantastic start to your goals this year! Definately think it is super important to still have amazing holidays as well as overpaying, us nurses work super hard!!

I would ditch the account your paying for, Im with s@ntander, its the £5 fee account, but the interest we earn from cashback on bills and savings in there more than covers it, if you have a nosy on the main pages of this website there is a list of good current accounts and the benefits, including ones where they give you a fiver a month if you do certain things!

As with the house, I am terrible for things like this, I get so over excited so my advice wouldnt be unbiased! Maybe a pros and cons list would be helpful?

Best of luck!

Jodles

stewby

Hey jodles.

Yeah, we have New York booked for April... our first ever trip to the States and somewhere that I have been wanting to go since I was a lot younger.
It is a celebration of being debt free (OH will pay off his credit card in February). It is very much needed and I cannot wait.
We have Las Vegas planned for our honeymoon (staying in the Bellagio as OH loves the "Oceans" films).


My OH and I have a joint s4nt4nd3r account which we each put £1000 a month into. It works really well to pay all our bills (both monthly and annually). We both have normal accounts as well which we keep our extra earning in. This is the account that is charging me £13.50 a month... I barely use it which is why I am tempted to go back to a non-charging account.
:undecided

jodles16

Makes a lot of sense to get rid! Oh New York is another dream of mine, look forward to reading about it on here! Las Vegas was incredible, unlike anything I have seen or been to before! I recommend the Las Vegas thread on here, so much great advice! The Bellagio will be incredible!

Jodles

stewby

Good afternoon all.

I am not quite sure what is going on with me but I am having seriously itchy feet and I want to move.
I am looking at places which would be a complete stretch for us financially but it would most definitely be a forever home.

The previous house which would have sorted out our financial issues is a non-starter. We went to visit the area at the weekend and we would be snowed in constantly plus the house is a bit destroyed (roof and exterior walls need replaced or repaired).


Houses closer to home are a lot more expensive but I am still really keen to move. Not quite sure what is going on. It's this desperate need to do something not work related. I am very very stressed at work, sitting at breaking point every morning and trying to balance there throughout the day. I spend my days on the verge of tears.
This is not someone in my position should be in. I have a house which I own (although with a mortgage), a relationship which appears to have a future (hopefully) and a good, well-paid job. There is no reason for me to feel this way.
:undecided

In a more positive note, I think a forever home is just what we need. Somewhere with a small amount of land that we could use to create a little allotment area. OH loves his gardening.
I want to either live in a small village where there is a strong community feeling or in a nice rural location. I hate living where I do currently... I am in a housing estate with people everywhere, I barely know my neighbours and we fight over parking spaces.
I just want to have my own space. It is almost like it is slow close but just out of reach and it is killing me. I sound so stupid, sorry.
:embarasse

Anyways... maybe it is just a pipe-dream and maybe I should be more patient but everything is so up-in-the-air and I am feeling so unstable.
Wow... this is a rubbish post. Promise the next one will be much more positive and brighter sounding. Hopefully.

Hugs to you all.

Thistlewhistle

Hi Stewby,


Sorry to hear that things are not going too smoothly for you at present. I can hear the angst in your voice as I read your words. Sending you hugs!:grouphug:


Being unsettled is not a nice feeling, and when its home / job causing the issues, it's doubly hard as these things form 90% of our week, so when they're not right, it has a marked effect on how we feel.


Making a plan of how to get from where you are to where you want to be can help you to see what steps may need to occur to bring it about, and help you get things ordered in your mind, which might get you some kind of stability in your daily life, even though it doesn't solve your issues, it'll at least help you to feel like you're moving in the right direction.


I'll also caution - a kneejerk reaction may not necessarily be the best solution. The grass isn't always greener.


Sending you positive vibes!!


Thistle

stewby

Hello...

Thanks for your reponse thistle. I sometimes feel like I am going crazy and scaring people away when I have moments like that. Not going to focus on the whole work situation as it is a bit of a disaster and I need to ignore work for the next two weeks.

On a more interesting and positive note, I have been reviewing our financial situation. Crazily, we could combine OH's loan, my mortgage plus an extra £5,000 for various things (mainly the wedding) which would make it a round £100,000 and not only would it make the payments less each month... but we could actually pay off both the loan and the mortgage faster than by keeping them seperate.
:shocked:

So, we are currently talking about changing all our finances around. Without sounding awful, we will be going through the solicitors with this and ensuring that should anything go wrong in the relationship (which it shouldn't cause we are very happy) then we would split the cost of the new mortgage.


This is going to sound terrible but OH is not really fair when it comes to spending money. We have a Xmas pot so that we both pay an equal amount towards presents for the family. The first year OH paid nothing towards the presents and I bought for both sides. I paid for all of our holidays, including the one when he was best man.
So by adding the extra £5000 on for the wedding, it means that OH will be sharing the cost of the wedding equally. See, told you it would sound terrible.


There is potential for another house to come along in the future but we have a maximum budget of £200,000 and judging by the selling prices of other houses in our area, we would probably need a maximum of £50,000 to buy the new house in addition to our combined mortgage which is still managable on our current salaries.
:undecided

It sounds silly but I thrive on a sense of achievement which is why I have been thinking about this over the past couple of days.
I am also spending my weeks holiday (I already had a week booked prior to being unwell) painting the kitchen.
It is kind of a big step as OH and I are choosing the colour together. This is the first time OH has had any say in the house.
:eek:

Another huge post but hopefully one that is more finance focussed and less anxiety driven.
Hugs to everyone reading.