Future Proofing my life: Deposit saving then MFW journey in under 13 years

LadyWithAPlan

PennysIntoPounds said:

Congratulations! This is a huge step forward!

When you say you want to be near a tube do you mean actual tube or any station? As we've mentioned before, South East London will get you so much more for your money but no proper tube...

If you're not planning on seeing 111 guy then it doesn't really matter what he thinks of you since he's hardly made a good impression himself. Could you send him a message tomorrow being pleasant but like 'sorry to mention it but I'm hoping to get my own place soon so having to keep a close eye on the budget, is it a cool time with your finances to send me over that cab money you mentioned?' (YOUR NAME 😂)

Definitely priority is getting paid from jobs though, that is literally your money you earnt, get it in your account 

Where are you thinking SE london? Happy to take some recommendations.. Plus its nearer my fav airport Gatwick
I was thinking tubes til midnight and Northern/Victoria run 24hrs Fri/Sat  so thats why I mention tubes

I feel with 118 guy I  cant ask - he knows he said he'd pay me back and is obviously  sulking cos I raised the issue Sunday - so I am leaving it .. he works with some people I know socially so ..
(YOUR NAME) 

beanielou said:

Good news 

Tx! Quite scary but good I managed to get it... mind you I have been saving this house deposit since 2020 ...

KajiKita

Loving the robustness of the response to our dear friend, 118! 😂

Can’t tell you much about looking for houses in London - not my patch at all 😉 but what I would say is also look at non RM stylee websites like PurpleBr1cks, FBMP and others local to you or the area you are interested in. We were looking for two years, fruitlessly and then I dropped on this place, on PBs 😊

KK

savingholmes

Z00pla also has some properties not on RM 

Hope your dancing date goes well. 

Huge congrats on MIP all steps forward.

PennysIntoPounds

Definitely not on tube line but with decent train links (and London postcode), Eltham (and Mottingham at the Eltham end) are nice areas with loads of greenery and good community things and pubs, places like Hither Green and nearby have got the whole gentrification vibe with little bars and coffee shops going on, Blackheath is the posh part of South East but still has comparatively (to the rest of London) affordable options come up, or nearer to central with more transport options you could look at Lewisham that has a massive range of housing and neighbourhoods.
Thing is, none of these places are that far if you're getting a cab so while you wouldn't want to limit your ability to go out, if you're going to be naturally chilling more in your area once you've got mortgage, then having a cab fund is not going to be unaffordable for you...
However, I'm from North London so clearly that's best 😂

redofromstart

118 I'd leave alone, imho if he was going to pay you back then he would have done by now. Not worth the negative energy.

congrats on the MIP, I agree with others, some stuff on Zoopla that isn't on RM.

skint_spice

Congrats on MIP🎉🎉🎉

LadyWithAPlan

KajiKita said:

Loving the robustness of the response to our dear friend, 118! 😂

Can’t tell you much about looking for houses in London - not my patch at all 😉 but what I would say is also look at non RM stylee websites like PurpleBr1cks, FBMP and others local to you or the area you are interested in. We were looking for two years, fruitlessly and then I dropped on this place, on PBs 😊

KK

U Yes I am loving the passion of us MFWers about 118 man

Off the back of your comment I am looking at purple bricks  - couple places definitely worth checking out and will do a location location video tomorrow ...

Cheery_Daff

Ooh, congratulations, exciting news!! 

I had a YNAB line when we we were moving house. In fact I had a whole MOVING category, with several pots - solicitor, estate agent, stamp duty, removals etc. It was good to see them getting filled up one by one 😊 And not at all nice seeing them get emptied in one go 😂😂

As for RM... When we moved (NOT looking for a flat in London, mind), we had strict but quite wide RM parameters, set a search, and looked at the results every day. Saved everything that looked possible for further investigation, then took it off the save list if we dismissed it. Organised the search by most recent, so once we'd done an initial trawl, it was a lot less effort to just look at the new ones each day. 

Obviously there were fewer of what we were looking for available, but I was also looking within a 50 mile radius of work, so quite broad.

I confess curating the list did become a bit of a full time job for Mr Cheery, and then we would look through possibilities together when I got home from work 🙄 DIY avoidance in full force 😂

We did also do a lot of going out and looking at AREAS in the early days - so we dismissed entire towns at a time, which made the search a lot easier 😂 

Obviously we ended up somewhere right at the outside edge of the search range, right at the top of the price bracket, and it did take us a couple of years to narrow it all down while we were doing the house up... 🙄

Originally offered on somewhere else, but pulled out once we had a buyer for ours - it then took us less than a fortnight to find this place - by that point we were quite clear what we were looking for though. 

You can do it! You're still in the relatively early stages that feel a bit chaotic 😂 You're already starting to prioritise though - one bed with garden over 2 bed etc (or 2 bed but ONLY if it has xyz). That'll narrow things down. Get friends on the case too - they might spot something you don't!

KajiKita

LadyWithAPlan said:

U Yes I am loving the passion of us MFWers about 118 man

Off the back of your comment I am looking at purple bricks  - couple places definitely worth checking out and will do a location location video tomorrow ...

Whoop! 😊🤩❤️👏

KK

LadyWithAPlan

Thanks everyone for the suggestions ... and great to hear of others moving/finding stories..

Zoopla now on my radar

Cheery_Daff said:

Ooh, congratulations, exciting news!! 

I had a YNAB line when we we were moving house. In fact I had a whole MOVING category, with several pots - solicitor, estate agent, stamp duty, removals etc. It was good to see them getting filled up one by one 😊 And not at all nice seeing them get emptied in one go 😂😂
....
You can do it! You're still in the relatively early stages that feel a bit chaotic 😂 You're already starting to prioritise though - one bed with garden over 2 bed etc (or 2 bed but ONLY if it has xyz). That'll narrow things down. Get friends on the case too - they might spot something you don't!

 I was actually excited today to add a YNAB mortgage broker line £295 not cheap for first half  but we  all know this process is going to cost ££££
I am not looking at anything without outdoor space..

@PennysIntoPounds I will look at Lewisham and think also Brixton/Forest hill way... going to be a very wide net!

redofromstart said:

118 I'd leave alone, imho if he was going to pay you back then he would have done by now. Not worth the negative energy.

congrats on the MIP, I agree with others, some stuff on Zoopla that isn't on RM.

 
Yes correct on the negative energy there ...  and on our 'worst second date ever' he was definitely trying to gaslight me ... felt weird that someone even tried to do that 
 and good all these Zoopla recommendations..


Thanks @skint_spice  the growing up of LaPlan starts right here    I cant believe someone wants to lend me that much (I can see on a 20 yr mortgage £350k its  £172k in interest though so.....   this is why I dont want a mortgage and I definitely dont want to overbuy