We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
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
Comments
-
I still have clothes I bought in my last year of Uni, so 2005/2006 - except I don't have a large wardrobe and wear them regularly! Drives BF mad, as anything more than about 18 months old immediately becomes "minging" in his opinion, even if he liked it before 🙄Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!4 -
If there is nothing wrong & you can still wear it reasonably then why dump it. A few weeks ago I wore a jumper & whilst out in it I realised that I had bought it before my second marriage - in 1979. Someone who is very picky actually told me how much they liked it.
4 -
South_coast said:I still have clothes I bought in my last year of Uni, so 2005/2006 - except I don't have a large wardrobe and wear them regularly! Drives BF mad, as anything more than about 18 months old immediately becomes "minging" in his opinion, even if he liked it before 🙄badmemory said:If there is nothing wrong & you can still wear it reasonably then why dump it. A few weeks ago I wore a jumper & whilst out in it I realised that I had bought it before my second marriage - in 1979. Someone who is very picky actually told me how much they liked it.Emergency Fund - £8572.39 / £10,000 :: Mortgage OP 2025 - £LISA 24/25 - £3200 / £4000 :: NSD 2025 - 2 / 150 :: Books Read: 1 / 52 :: Decluttering - 4 / 1000Engaged 9th December 2010 :: Married 29th October 2015 :: Bought a House 13th January 20173
-
I used to live in jeans and t-shirts, but when you are young and slim you can get away with anything for any occasion. I'd just like to have a staple of clothes that I know I can just throw on, plus a few nice tops or blouses, and maybe a dress/skirt or two, and some shoes for all occasions. This one seems fairly practical https://pinchofyum.com/how-to-start-a-capsule-wardrobe but it all seems to involve ditching more items than I'm ready to let go at the moment (and buying more than I need at the moment too)."Think of many things, do one"
Mortgage 30 Jul'25 est. £209,749 £309,749 (aiming for sub-£200k next)
Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga4 -
SandyShores said:I used to live in jeans and t-shirts, but when you are young and slim you can get away with anything for any occasion. I'd just like to have a staple of clothes that I know I can just throw on, plus a few nice tops or blouses, and maybe a dress/skirt or two, and some shoes for all occasions. This one seems fairly practical https://pinchofyum.com/how-to-start-a-capsule-wardrobe but it all seems to involve ditching more items than I'm ready to let go at the moment (and buying more than I need at the moment too).Emergency Fund - £8572.39 / £10,000 :: Mortgage OP 2025 - £LISA 24/25 - £3200 / £4000 :: NSD 2025 - 2 / 150 :: Books Read: 1 / 52 :: Decluttering - 4 / 1000Engaged 9th December 2010 :: Married 29th October 2015 :: Bought a House 13th January 20173
-
It's been a bit of a roller coaster of a weekend. Friday I was meant to start my wardrobe declutter but that had to be put on hold because our water tank in the loft started leaking through the overflow pipe in the roof which was then coming through the kitchen window 😣 DH called a plumber who diagnosed that the ball !!!!!! had gone in the tank, which we think was probably in part due to when the tank drained itself when the toilet was leaking - he even found a replacement ball !!!!!! just sitting up in the loft, left there by the bathroom fitters 🙄 However, as with most things in this house, it wasn't as simple as that, as it turns out the overflow pipe from the tank itself isn't the right size (it's 7mm too small) and the overflow tank doesn't have an overflow pipe at all 😳 So that's something else we now need to get fixed. The plumber we called out was really nice but wanted to overcharge us for the work that needs doing so DH is going to speak to his friend who's a plumber and see if he can recommend someone to come and sort it all out.
Saturday I started the big declutter and 22 items went straight into the charity pile, and another 100 or so went into the sale pile. I still have to sort through cardigans, long sleeved tops and shoes but those should be relatively easy to do next weekend. I've set myself a target of listing 5 things to sell each day and we'll see what happens with those. While my wardrobe isn't empty, there's definitely space in there now for things to move and the door shuts without having to stuff things in there. I've even turned all the hangers around so I can see what I actually reach for and wear and if it hasn't been worn in the next year, then out it will go. I did keep hold of a little pile of things that are currently a little too tight but I have worn before so I know that with a little more weight gone, they should fit. Those have gone into a box to sit on top of the wardrobe and all my more formal dresses are in the spare room wardrobe out of the way of the more day to day things.
In doing all of that on Saturday I appear to have aggravated my back so took it a little easier yesterday and wrote out my list of goals for August. Hope I haven't been too ambitious but there was a lot more small decluttering tasks that I want to achieve!
In amongst all of that, my boss has emailed me about a new job opportunity that's come up at a neighbouring organisation. On first glance I dismissed it, but reading the person spec, I have experience of everything they're looking for, so I've started an application. I know that typically women talk themselves out of new jobs because they don't have the confidence to go for things unless they hit every point on the job description, whereas men will just apply anyway, so I'm bucking the trend! It's not that I'm unhappy in my job, in fact I haven't been this happy for a while, but this one is something that I know I could do and would be a good opportunity to stretch myself a little more. Don't think I really stand a chance but you never know. Will keep you posted but don't expect any celebrations any time soon!Emergency Fund - £8572.39 / £10,000 :: Mortgage OP 2025 - £LISA 24/25 - £3200 / £4000 :: NSD 2025 - 2 / 150 :: Books Read: 1 / 52 :: Decluttering - 4 / 1000Engaged 9th December 2010 :: Married 29th October 2015 :: Bought a House 13th January 20174 -
Ooh - fingers crossed! 🤞I am the master of my fate; I am the captain of my soulRepaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NILNet sales 2024: £204
-
greent said:Ooh - fingers crossed! 🤞Emergency Fund - £8572.39 / £10,000 :: Mortgage OP 2025 - £LISA 24/25 - £3200 / £4000 :: NSD 2025 - 2 / 150 :: Books Read: 1 / 52 :: Decluttering - 4 / 1000Engaged 9th December 2010 :: Married 29th October 2015 :: Bought a House 13th January 20174
-
Popping back in to say that I managed to make an OP of £186 to the mortgage today and also managed to round up the emergency fund to hit the magic £5k target. Mortgage is now at £247,500 so starting to come down nicely. Next month we can actually switch to the lower interest rate, just need DH to sit down with me and decide if we want to fix for 2 or 5 years.Emergency Fund - £8572.39 / £10,000 :: Mortgage OP 2025 - £LISA 24/25 - £3200 / £4000 :: NSD 2025 - 2 / 150 :: Books Read: 1 / 52 :: Decluttering - 4 / 1000Engaged 9th December 2010 :: Married 29th October 2015 :: Bought a House 13th January 20174
-
Good luck with the application. I always think its a good time to leave when you are happy in a job (don't wait until you are unhappy in it).
Ball cocks to bad ball cocks, but good for you starting on the decluttering anyway. Its lovely to start seeing a bit of space, so that you can see what you have. I would love some fancy pattern dresses and blouses.
"Think of many things, do one"
Mortgage 30 Jul'25 est. £209,749 £309,749 (aiming for sub-£200k next)
Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga3
Confirm your email address to Create Threads and Reply

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