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The Ongoing Saga of Ruby Trying to Own A Home

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  • greent
    greent Posts: 10,748 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I definitely like option 3 the most - as I was reading them I chose that before I read it was your preferred. It makes sense and matches your needs. (Open shelves always sound better than they are in my experience - you want them to be pretty and practical and utility items don't usually do both things - unless you spend ££ on cutesy storage solutions (that end up not being quite right...)
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    Net sales 2024: £20
  • South_coast
    South_coast Posts: 5,829 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    All very exciting news 😀! If the tiles are being discontinued, would be worth ordering a few extra boxes just in case any get broken in the future 
    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!!!
  • ruby_eskimo
    ruby_eskimo Posts: 4,792 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Well ahead of you @South_coast and have added a bunch of extra to the quote we got with the flooring company 👍
    Emergency Fund - £8572.39 / £10,000 :: Mortgage OP 2025 - £
    LISA 24/25 - £3200 / £4000 :: NSD 2025 - 2 / 150 :: Books Read: 1 / 52 :: Decluttering - 4 / 1000
    Engaged 9th December 2010 :: Married 29th October 2015 :: Bought a House 13th January 2017
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,741 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    Yeah to the bath being usable !! 
    Sounds like all going well here and hope you get your contract updated to reflect the work 
    DON'T BUY STUFF (from Frugalwoods)
    No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff.    Money doesn’t walk out of your wallet on its own accord.
    https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest
  • South_coast
    South_coast Posts: 5,829 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    Well ahead of you @South_coast and have added a bunch of extra to the quote we got with the flooring company 👍
    Excellent 👍
    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!!!
  • Well done on all the projects on the go and handling it all whilst working. We did this in our last house as we had money put aside. However I couldn't cope with a full time job around it so I only worked a few hours a week and even that was too much whilst trying to project manage 😂 so well done you.
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!


    Mortgage Overpayments - September-December, £152.46. Jan £103.27, Feb £115, March £91.50, April £100, May £200, June £200. July £200.
    Total- £1162.23
    Goal to pay off 1% of current mortgage in one year. £1200. (96.83% there)

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