We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Ruby's Bought a House, Now I want to Own It!

Options
1192022242555

Comments

  • debtfreeoneday
    debtfreeoneday Posts: 5,013 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Well done on breaking through that barrier on the mortgage. 
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • ruby_eskimo
    ruby_eskimo Posts: 4,795 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Well done on breaking through that barrier on the mortgage. 
    Thanks!  Just made another OP this month to take us to bang on £249K so we're slowly getting there!
    Emergency Fund - £8572.39 / £10,000 :: Mortgage OP 2025 - £
    LISA 24/25 - £3200 / £4000 :: NSD 2025 - 2 / 150 :: Books Read: 1 / 52 :: Decluttering - 4 / 1000
    Engaged 9th December 2010 :: Married 29th October 2015 :: Bought a House 13th January 2017
  • ruby_eskimo
    ruby_eskimo Posts: 4,795 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Morning all.  I come here to admit that I haven't been very MSE at the moment.  Like a lot of people I haven't been feeling great over the past couple of months and noticed that my mental health has taken a bit more of a dip than usual, which has led me to spend a little frivously on clothes mainly.  Not that I want to justify my spending but I usually buy a majority of my clothes second hand and have done for years, so picked up a few bargains that way plus bought some actual new things while I had a 20% discount voucher and was ordering baby clothes for my friends.  Must admit I'm feeling a little bit guilty about it but also not because they're all things I love and know I'll get a lot of wear out of.  I just feel that I could have used that money in better ways but oh well, it's done now.  

    On the money front the mortgage is now at £249k exactly.  By my calculations, we should be under £245k by the end of the year which would be an amazing achievement, and we're on track to get a really good deal in September by reducing the LTV.  I'm now an 8th of the way to maxing out the LISA and the emergency fund is getting there slowly thanks to some really good Prolific payouts.  

    Health wise, other than the mental health wobbles, I'm on week 6 of C25K and feeling really accomplished already - I can't believe I managed to "run" for a straight 20 minutes at the end of week 5!  It meant that yesterday's 8 minute run in the middle of the session felt like a walk in the park and the stats showed a way better pace because of it.  My stamina is definitely improving and hopefully I can carry this good feeling forwards into everything else.

    Work wise, I'm feeling a bit uninspired which I think is contributing to the general meh feeling.  Have a couple of things to get ticked off the list at the beginning of this week but then I want to spend time trying to find my inspiration again.  Just need to find some motivation to get started!
    Emergency Fund - £8572.39 / £10,000 :: Mortgage OP 2025 - £
    LISA 24/25 - £3200 / £4000 :: NSD 2025 - 2 / 150 :: Books Read: 1 / 52 :: Decluttering - 4 / 1000
    Engaged 9th December 2010 :: Married 29th October 2015 :: Bought a House 13th January 2017
  • ruby_eskimo
    ruby_eskimo Posts: 4,795 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    First payment to the S&S ISA has cleared and I'm already up 49p 😂
    Emergency Fund - £8572.39 / £10,000 :: Mortgage OP 2025 - £
    LISA 24/25 - £3200 / £4000 :: NSD 2025 - 2 / 150 :: Books Read: 1 / 52 :: Decluttering - 4 / 1000
    Engaged 9th December 2010 :: Married 29th October 2015 :: Bought a House 13th January 2017
  • debtfreeoneday
    debtfreeoneday Posts: 5,013 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Take it easy and be kind to yourself. The last year has been so mad and most of us have been up and down at various points. 

    Well done on the mortgage though I’d be sending 1p just to get it to £248….something. 😂
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • ruby_eskimo
    ruby_eskimo Posts: 4,795 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Take it easy and be kind to yourself. The last year has been so mad and most of us have been up and down at various points. 

    Well done on the mortgage though I’d be sending 1p just to get it to £248….something. 😂
    Thanks debtfreeoneday.  I keep forgetting that it's ok to just take it a little easy sometimes; if I were in my previous job then I'd be non-stop but its actually normal to have "quiet" days sometimes.  As much as I'd love to see a 248, I love having a nice round number more so it will stay at 249 for a little while 😆

    Emergency Fund - £8572.39 / £10,000 :: Mortgage OP 2025 - £
    LISA 24/25 - £3200 / £4000 :: NSD 2025 - 2 / 150 :: Books Read: 1 / 52 :: Decluttering - 4 / 1000
    Engaged 9th December 2010 :: Married 29th October 2015 :: Bought a House 13th January 2017
  • debtfreeoneday
    debtfreeoneday Posts: 5,013 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    True. A round number is also a pleasing sight…
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • debtfreeoneday
    debtfreeoneday Posts: 5,013 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Sounds exciting and something to look forward to. 
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351K Banking & Borrowing
  • 253.1K Reduce Debt & Boost Income
  • 453.6K Spending & Discounts
  • 244K Work, Benefits & Business
  • 598.9K Mortgages, Homes & Bills
  • 176.9K Life & Family
  • 257.3K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.