Young couple saving for a house while renting privetly and paying off a loan

edited 7 September 2020 at 5:23PM in Debt free diaries
63 replies 3.3K views
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  • RelievedSheffRelievedSheff PPR Forumite
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    A break sounds like a good idea for you both.


  • A break sounds like a good idea for you both.


    Oh no doubt about that. I could do with a break away.

    I would be terrified to risk it.

    My job requires me to self isolate for 14 days if I plan on leaving my county or country and most hotels in Dublin, their prices are scarily high. Financially its not worth the risk but one can dream and hope soon enough things will settle down.

    Thanks for you comment 😊 X
  • ryanm8655ryanm8655 Forumite
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    Just thought I’d check in and say you’re doing really well. 

    Can see why your other half struggles with having the maintenance to pay etc.

    Can imagine how tough it must be living with the FIL. I’m living back with family while I clear my debts and have had a few moments where I’ve felt like disappearing :lol:

    You’ll have the house in no time though and it will all be worth it then.

    August 2019: £28.8k

    November 2020: £0 (0% interest)

    My debt free diary: https://forums.moneysavingexpert.com/discussion/comment/77330320#Comment_77330320

    <br>

  • ryanm8655 said:
    Just thought I’d check in and say you’re doing really well. 

    Can see why your other half struggles with having the maintenance to pay etc.

    Can imagine how tough it must be living with the FIL. I’m living back with family while I clear my debts and have had a few moments where I’ve felt like disappearing :lol:

    You’ll have the house in no time though and it will all be worth it then.
    Thank you so much for checking in on my diaries 😊 

    I do feel for my OH, he does try his hardest and I feel awful at times checking to see how he's getting on in terms of seeing how his savings are. He does get so deflated when he explains that he's saved some weeks and others he hasn't. I've never begrudged him over it and I'll support him as much as I can so I try to go at his pace. I've shown him the tools he could use to help along the way but I can't force him. 

    My FIL is another kettle of fish. Most days I tolerate it and I can ignore his actions but days like today, it gets to me especially when I've just cleaned the house or ran errands and he either chimes in with "ah I would of asked you to get me something in the shops", that's bearing in mind he has been sat in all day waiting until I get home from work so this morning and the washing machine, although not a huge deal to some people, to me I can get irritated. My OH takes him with a pinch of salt and can zone out. 

    Hope you're doing well 😊 X 
  • I woke up this morning for work feeling absolutely awful. Not sick but mentally awful. I immediately wrote the day off. I went into work for 6am and by 9am I had enough and went home. I was tired. Mentally I wasn't there. I didn't want to talk to people and I certainly didn't want to be around anyone. How I got out of bed this morning is beyond me. 

    I got home around 9.15am and made a cup of tea and went straight to bed and slept until 1pm. I was out cold. I told my OH I was home early and he was saying he was feeling like he wanted to go home himself and just sleep. We are both just mentally drained. As soon as I woke up I started to feel less restless but my head space is still fuzzy and it feels like my mind is running 100 miles a second. 

    As of now I know I shouldn't of left work early as I now I won't get paid for the rest of the day and usually that would bother me but right now, I honestly couldn't care less. I jusy feel like I could just pack a suitcase and go away for a week. No responsibilities. No work. No alarm. No cooking. No shopping. No bugeting. No saving. Just to go away and enjoy the moment whereever I am. 

    I spoke to my OH last night about going away for a weekend and although he desperately wants too as well, physically we can't as we are in lockdown and due to our places of work, it would be too risky and we would have to self isolate for 14 days, unpaid. All those factors are just not worth it. 

    The last couple of days feels like it's just drained us. 

    My FIL wanted to go to the shops so I gave him my card and told him to pick me up a chicken fillet roll (typical Irish here!) and chocolate which came up too €6.12. I have got €11.64 sitting in my back account as of now. Its payday in 3 days so I don't mind. I ate my roll and then made the OH his meals for tomorrow so it was a good distraction. 

    Oh wants to do his food shopping when he comes home from work so I said ill go with him just to get out of the house for an hour or so. We might even go the long route to pass the time. 

    LO was up yesterday for a couple of hours and boy were they great. Ate their dinner. Played with their toys. Loads of hugs and kisses were had. LO is an absolute dote and really knows how to make your troubles go away, even for a couple of hours. 

    It was another late night last night as I couldn't sleep fully. It was tossing and turning and thinking and picking my phone up and putting it back down. It was non stop until around 2am and I was up for work at 4.30am so I didn't really sleep much. 

    I have a splitting headache now and I feel like I havent stopped moaning the last two days. 

    My positive spin.... 

    The house is gleaming since yesterday so I didn't have to worry about cleaning up, it's payday in 3 days and I've a week off work next week so I've that too look forward too. 

    X




  • lantannalantanna Forumite
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    Hi, also saving up a house deposit but I’m doing it alone and a good bit older than you at 41. Also feel like rubbish today and just about to lie down. Just popped on to say ur doing well, it can seem like a right struggle at times and a pain but will be worth it in the end. 
    Debt repay Total 15/02/23 £23941 Target clear by Aug 2027 Remaining: £23647
  • lantanna said:
    Hi, also saving up a house deposit but I’m doing it alone and a good bit older than you at 41. Also feel like rubbish today and just about to lie down. Just popped on to say ur doing well, it can seem like a right struggle at times and a pain but will be worth it in the end. 
    Hi Lantanna 

    Enjoy your snooze! Write down 3 positive things that have happened to you and try and focus on them. That's what I try and do when I'm feeling a bit down and deflated. If I can write down 3 things then I count myself lucky

    We can do this 😊
  • ryanm8655ryanm8655 Forumite
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    The week off next week will be a big help.

    I've found the gym has helped a lot with my mental state and resilience as far as stress is concerned.

    Is it anything in particular that triggers those moments?

    Can relate, I recently just packed a bag and drove off with no plan and booked into a hotel for a few days for some space :lol: Had just had enough of everything at home. Took a month off the debt clearance and am now back on it again.



    August 2019: £28.8k

    November 2020: £0 (0% interest)

    My debt free diary: https://forums.moneysavingexpert.com/discussion/comment/77330320#Comment_77330320


  • ryanm8655 said:
    The week off next week will be a big help.

    I've found the gym has helped a lot with my mental state and resilience as far as stress is concerned.

    Is it anything in particular that triggers those moments?

    Can relate, I recently just packed a bag and drove off with no plan and booked into a hotel for a few days for some space :lol: Had just had enough of everything at home. Took a month off the debt clearance and am now back on it again.



    I really should go back to exercising. I found it helped me immensely, I just can't find the motivation to move as soon as I get home from work or even on my days off. Its terrible. 

    But all isn't bad though bevause OH brought home some cookies from Lidl to have with my cup of tea to cheer me up 😊 

    Back on it and keep focus 😊
  • I'm feeling so much better today, especially this morning. 

    I woke up 10 minutes for my alarm which normally goes off at 4.30am so I used that time to just completly relax with a cup of tea. My OH was still asleep, the dog was still asleep and my FIL was asleep so the quitness of the house and the complete silence was lovely I have to say. I woke up feeling well rested. I slept early enough. Granted I could of gone to sleep earlier but it was doable. 

    I got myself ready without rushing around. I had my porridge and a coffee like I do every morning. I fed the dog while my OH was getting ready to go to the gym. He seemed in better form too. The "early night" helped us both. Plus OH was off work today so I think that set him off for a good day and he was spending the day with LO too so od course he was in top form. 

    Work this morning was okay. I was left on my own, as usual but the peace and quiet was just as good as it was at home. It was busy but I was kept going until 11am hour lunch time. 

    I left my lunch in work from yesterday so I had that. A couple of hours of a training group and then I was finished work at 2.30pm so overal today in work was easier than yesterday. 

    I got home and LO was completely chilled on the couch, I almost felt jealous at how chilled they were but they had a lovely day with Dad. It was raining all day so OH and LO opted for a chill day watching Ben and Holly and just enjoying each others company. It was nice to see. I had my pre made Lasagne from the freezer for my dinner and then played with LO for a couple of hours before they went home. 

    Honestly today wasn't at all that bad. I think I just needed a couple of days of feeling absolutely rubbish and sleeping it off as much as I could to recharge myself. 

    It was a NSDs day today so I still have €11.54 in my bank account. I had no reasons to go to the shops and I purposely left my bank card in my bag in my locker so I wouldn't bring it into the canteen with me so buy rubbish from the vending machine. 

    I put a wash on when I came home as I told OH not to put a wash on until I got home as I wanted to throw my uniform in with a load so I've 2 loads of washing drying on the clothes horse in the kitchen. I am hoping the dampness will be gone from them by the morning time so I can put them on the radiator. I absolutely detest the smell of wet clothes when they go straight onto the radiator, it's like all the freshness is gone from them and they end up smelling musty. I want to invest in a tumble dryer but I'm in two minds as it can rack up the electricity bills so I'll see how I get on in the next couple of weeks as the coldness is starting to set in and drying my clothes outside won't be possible. 

    If anyone has any advice or tips on how they dry their clothes during the colder days, please let me know as I know it'll take a day or two for my clothes to completely dry rather than a couple of hours.....

    Other than that, all is grand today 😊 

    X









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