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Ruby's Bought a House, Now I want to Own It!
in Mortgage-free wannabe
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I would say 90% of my clothes are all second hand, mainly from ebay, so I've managed to get some really lovely and almost 1 off pieces there because I'm buying things that have long since disappeared from the racks in the shops. Oasis is a particular favourite of mine (but before they got taken over by Boohoo - the quality dramatically dropped then) alongside H&M who I've always managed to get unusual patterned things that last a very long time. Uniqlo is also another favourite for basics and you can pick things up pretty cheaply second hand as well as some interesting patterns and colours (have a bright green dress from them that I always get compliments on at work).
Have managed to sell one thing on Vinted which was actually second hand when I bought it so it's lovely to see things getting a third or fourth time round with someone new.
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!!!
Managed to get my job application in last night, might get an interview if they're interested but don't think I'll get the job; I've basically done the exact same thing but on a smaller scale but who knows, stranger things have happened. DH is still waiting to hear the outcome of his interview this week but has found another job at his current company that he's applied for and has already had a very positive conversation with the recruiting manager about it so 🤞 for some good news soon.
On the money front, we've managed to hit the target for our emergency fund now 🥳 We're also down to £247,500 on the mortgage balance so we're clearing about £500 a month on that which is fairly good progress compared to where we were last year and means that we'll be making even more progress once we get our new mortgage deal (🤞 for halving the rate!) All the other savings pots are ticking along nicely so we should be on track to hit our savings goals this year if nothing much changes.
This weekend I want to finish the wardrobe declutter and then we have a wedding reception to attend tomorrow evening - it will be the first time DH has seen his grandma in 2 years so might be a little emotional!
Have managed to sell a few things on Vinted and putting the proceeds into a separate clothes pot in my Monzo account so I can dip into that when I need to replace things. Shouldn't be for a while though. Have finally decluttered all of my clothes and shoes over the weekend so feeling accomplished with that, and now I have space! But I don't intend to fill it apart from a few key things that are missing from my wardrobe, but they aren't that important right now. The next decluttering project is the kitchen, but that can wait a few weeks.
DH was unsuccessful in his first interview, apparently was a good second candidate but they had someone internal who had basically been groomed for the role which was a shame. I found out yesterday I got an interview for this big scary job I applied for 😳🤢 I don't really want it, but a part of me does, and I don't want to leave my current place (if I was successful) and I don't know if I'd be able to handle the stress that this job would inevitably have - I mean I walked away from all of that 18 months ago because I couldn't cope. Going to have a chat with my manager when we're in the office later on in the week to tell him about it, as a) he's the one who told me about it so it's his fault and b) he's quite wise so I could do with some advice really. Trying to not get too worked up about it but can't help it. Feeling very anxious, why do I do these things to myself?!? Have to prepare a 20 minute presentation so that's my weekend sorted 😆
Would you have applied for the role if your boss hadn't mentioned it? What is it that attracts you to the new role? Which role best meets your life goals? What would you do if you weren't afraid? What is the most important thing in your life right now? Will the new role help or hinder this?
I'm sure you'll make the right decision - the one which is best for you at this moment in your life.
Best of luck
Holding On and Letting Go Knowing when to let go is just as important as knowing when to hold tight
MFW 2022 #27 £5,300
MFW 2023 #27 £935 / £2,023 target
H2B Loan Estimated: £78,000 (Total: £279,500)
Emergency Fund target reached: £6,125
Personal savings (PBs): £900/£700 New car fund (ISA)
Books Read: 0/18
Sorry for the rambling, thank you for listening to me vent, normal service will resume momentarily!
Turns out that the deals we were previously offered, we can't actually have because we're on a Help To Buy mortgage 🙄 Ours was just the guarantee version not the loan so fingers crossed its not going to impact us too much. We're both earning more than we were 5 years ago and our credit ratings are a lot better as we have no outstanding loans apart from the mortgage which should put us in a good position. So now we have the fun of trying to pin down a mortgage advisor to have a chat with them before November and apparently they're all busy because everyone want's to get in before 1st October when the stamp duty rules go back to normal 🤞