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

edited 30 November -1 at 1:00AM in Mortgage-Free Wannabe
226 replies 11.3K views
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  • ruby_eskimoruby_eskimo Forumite
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    It's payday, the most exciting day of the month!  Completed the quick money shuffle that isn't set up on standing orders and have now gone over the £2000 hurdle in the emergency fund, helped out by another £7.10 cashed out from Prolific.  Long term savings is now at £1400 so £1100 left to get to my end of year target and sent £350 to the LISA.  Sent another £100 to the mortgage which knocked a 1p off the daily interest :lol: 

    Will do a full update of where we are on the 1st as that's when all the various DD, SO's and mortgage payment clears so will have a better idea of where my money is.  

    I should have some money left over at the end of the month if I keep to my budget so will direct that to savings as and when I it happens.

    Coffee maker was a very good investment.  DH was very happy with the caramel latte I made him this morning and I figure a 38p capsule is cheaper than the weekly starbucks / costa habit we developed prior to lock down (and a lot less calories because I'm not tempted by cake or a toasted sandwich at the same time).
    Emergency Fund - £4695.03 / £5,000 :: Total Mortgage OP - £3037.51
    LISA 2021 - £662 :: NSD July - 3 / 20 :: Weight Loss: 38.2 / 58lbs :: Decluttering - 400 / 2001 ⭐⭐⭐🏅🏅
    Engaged 9th December 2010 :: Married 29th October 2015 :: Bought a House 13th January 2017
  • MoneyfordreamsMoneyfordreams Forumite
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    HI Ruby, just caught up and you are doing great. Is your toilet fixed yet? 
    Mortgage restart June 2018 £119950
    Re mortgage August 19 £110470, HSBC 0, Hfx £5800, MBNA £6000
    … Mortgage £96500
  • ruby_eskimoruby_eskimo Forumite
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    @Moneyfordreams thanks for stopping by.  Nope toilet is still not fixed - chased Wickes and they're waiting to hear back from the supplier apparently.  Will be asking them for a contribution towards the water bill once they come to fix it as it's been quite a few weeks and the bill has gone up by £10 a month now since this started.
    Emergency Fund - £4695.03 / £5,000 :: Total Mortgage OP - £3037.51
    LISA 2021 - £662 :: NSD July - 3 / 20 :: Weight Loss: 38.2 / 58lbs :: Decluttering - 400 / 2001 ⭐⭐⭐🏅🏅
    Engaged 9th December 2010 :: Married 29th October 2015 :: Bought a House 13th January 2017
  • ruby_eskimoruby_eskimo Forumite
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    Morning everyone, hope you all had a good weekend.  Spent Saturday re-organising the spare room which involved a trip to Ikea to get various storage bits and pieces.  We managed to move a lot of stuff into the loft and make better use of the built in wardrobe that we have in that room.  Spent £95 but £50 of that was a voucher that DH got through work for free so £45 coming out of the actual house pot isn't too bad.  There's a massive pile of things to be donated / sold and I have a few bags of stuff to sort through which I'm aiming to do one a day this week.  Does anyone else panic and shove things in bags when they don't know what to do with it or is it just me?

    Yesterday we had such a lovely time with a couple of our friend's in their garden.  We've been to other people's gardens as we've come out of lock down but each time it's been for a couple of hours and we've taken our own drinks.  This time we were there for a good 8 hours, they made a lovely roast dinner with vegetables that they've grown and we put the world to rights.  Maintained our social distancing throughout the whole thing and had a thoroughly lovely time which made me realise how much I miss seeing people in real life - virtual hang outs just aren't quite the same.
    Emergency Fund - £4695.03 / £5,000 :: Total Mortgage OP - £3037.51
    LISA 2021 - £662 :: NSD July - 3 / 20 :: Weight Loss: 38.2 / 58lbs :: Decluttering - 400 / 2001 ⭐⭐⭐🏅🏅
    Engaged 9th December 2010 :: Married 29th October 2015 :: Bought a House 13th January 2017
  • BravingSavingBravingSaving Forumite
    71 Posts
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    That sounds lovely - I'm missing people too I know exactly what you mean
    Coming away from Ik3a with a bill that's not three figures before the decimal point is good on its own but to only have to pay for half of it is fantastic! 
    Mortgage Balance June 2020 £102,824.39 Now £90,500.00
  • ruby_eskimoruby_eskimo Forumite
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    @BravingSaving I was so drained yesterday though as the adrenaline of being around people wore off :lol: definitely need to build my stamina up when it comes to spending time with people again.

    Managed to cash out some money from Prolific and Top Cashback so will be adding those to the EF when they come in and should have £350 added to my LISA tomorrow.  As I said will do a proper updated after the 1st when the money shuffle is complete.
    Emergency Fund - £4695.03 / £5,000 :: Total Mortgage OP - £3037.51
    LISA 2021 - £662 :: NSD July - 3 / 20 :: Weight Loss: 38.2 / 58lbs :: Decluttering - 400 / 2001 ⭐⭐⭐🏅🏅
    Engaged 9th December 2010 :: Married 29th October 2015 :: Bought a House 13th January 2017
  • BravingSavingBravingSaving Forumite
    71 Posts
    10 Posts Name Dropper
     :D  :D we're all going to be the same - seeing people is exhausting!  :D
    Mortgage Balance June 2020 £102,824.39 Now £90,500.00
  • ruby_eskimoruby_eskimo Forumite
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    I've just realised that we're seeing DH's sister on Saturday and then his mum and her partner on Sunday - if you don't hear from me next week, it's because I've had to crawl into a dark hole for a very long time to recuperate :lol:
    Emergency Fund - £4695.03 / £5,000 :: Total Mortgage OP - £3037.51
    LISA 2021 - £662 :: NSD July - 3 / 20 :: Weight Loss: 38.2 / 58lbs :: Decluttering - 400 / 2001 ⭐⭐⭐🏅🏅
    Engaged 9th December 2010 :: Married 29th October 2015 :: Bought a House 13th January 2017
  • ruby_eskimoruby_eskimo Forumite
    3.3K Posts
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
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    Can't believe it's Wednesday already.  Cashed out another £6 from Prolific - think I've reached the end of the large payouts for now as I was part of a longitudinal study over 4 weeks which paid about £4 each week.  Each little bit has been added to the EF though so it's all helping.  

    All my skincare appears to be running out at the same time but remembered that I still had £20 on a Space NK gift card as part of my leaving present from my last job so replaced my toner and concealer using that plus £10 of my fun money.  Cosmetics used to be my one big vice and I spent a lot of money on having the latest MAC makeup collection, just collecting eye shadow pigments or buying the whole of the local Lush store.  I think it all comes from not having confidence and trying to make my outside look better to make the inside me feel better.  I graduated from the 'No Buying Toiletries' thread on here in 2012 and have managed to stick to it since then so I don't have backups of things and buy as and when I need it.  I can't remember the last time I bought makeup as I have so much still to get through and will probably end up selling some of the unused limited edition things because they don't fit with who I am anymore - for example 23 year old me would wear blue and green eye shadow to work but 33 year old me definitely wouldn't!
    Emergency Fund - £4695.03 / £5,000 :: Total Mortgage OP - £3037.51
    LISA 2021 - £662 :: NSD July - 3 / 20 :: Weight Loss: 38.2 / 58lbs :: Decluttering - 400 / 2001 ⭐⭐⭐🏅🏅
    Engaged 9th December 2010 :: Married 29th October 2015 :: Bought a House 13th January 2017
  • ruby_eskimoruby_eskimo Forumite
    3.3K Posts
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
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    Morning all, weather is gorgeous here today so will be spending some time in the garden later, might even work from there this afternoon.  

    Managed to cash out £5 from topcashback that went into the EF and DH sent me £100 today to add to the house pot.  I don't know if I mentioned this earlier in the thread or not but most of the savings we have come from my salary, with the mortgage being paid by DH and I pay for all the other bills which keeps us roughly even.  It's how we did it when we rented and weren't married and it worked then so we didn't feel the need to change how we do it now.  He sends me extra cash when he feels he can and just tells me which pot he wants to direct it to :lol:

    Finally have enough in my LISA that it's actually earning 3p interest a day which is nice to see.  Might not be a lot but over the month that's almost a whole pound!
    Emergency Fund - £4695.03 / £5,000 :: Total Mortgage OP - £3037.51
    LISA 2021 - £662 :: NSD July - 3 / 20 :: Weight Loss: 38.2 / 58lbs :: Decluttering - 400 / 2001 ⭐⭐⭐🏅🏅
    Engaged 9th December 2010 :: Married 29th October 2015 :: Bought a House 13th January 2017
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