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The Ongoing Saga of Ruby Trying to Own A Home

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  • rtandon27
    rtandon27 Posts: 5,590 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    edited 24 June at 7:33PM
    @ruby_eskimo - I'd love to hear updates on how it's going with vinted, I've a pile of things that are too nice to give away, but truly are no longer in my regular rotation of favorites!
    4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)
    (With heartfelt thanks to those who have gone before us & their indubitable generosity.)
    ...and now I have a mortgage! (23 AUG 2021)
    New projection - 14 YEARS 10 MONTHS LEFT OF 20 YEARS (reduced by 15 mths)
    Psst...I may have started a diary!
  • ruby_eskimo
    ruby_eskimo Posts: 4,792 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    rtandon27 said:
    @ruby_eskimo - I'd love to hear updates on how it's going with vinted, I've a pile of things that are too nice to give away, but truly are no longer in my regular rotation of favorites!
    It's a bit hit and miss to be honest.  Some people really are very cheeky in the offers they send (I mean a £20 offer for a bag that's quite collectable, listed at £50 and was brand new and RRP was £75!).  Personally I've found that you need to practically jump on people when they favourite something otherwise they lose interest and won't actually offer or buy.  I'm making it seem a lot more stressful than it is, most of the time it's perfectly fine!
    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
  • Sarahwithlove
    Sarahwithlove Posts: 3,318 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Congrats on the promotions. How is the kitchen coming along? Or is it finished now? 
    *Dad loan - £5300 - £7300
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£400

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £860
    *Total debt - £8560/£11641.17*


    Savings
    *Savings Buffer - £1000/£1500
    *Emergency Fund - £1000/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,292 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Hope the building works are all done now Ruby and you're enjoying the new spaces :smiley:
    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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