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The Ongoing Saga of Ruby Trying to Own A Home

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Comments

  • rtandon27
    rtandon27 Posts: 6,033 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 7 MONTHS LEFT OF 20 YEARS (reduced by 17 mths)
  • ruby_eskimo
    ruby_eskimo Posts: 4,804 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: 3,408 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 - £7200
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£0.00

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £840
    *Total debt - £8040/£11641.17*


    Savings
    *Savings Buffer - £100/£1500
    *Emergency Fund - £1500/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,696 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 Overpayments 2024/25 - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. A-£200, S- £221.34. O-£200
    Total- £1783.67
    Goal pay off 1% of current mortgage in 1 year. £1650
    EF- £642.41/500
  • South_coast
    South_coast Posts: 6,012 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    Aahhh, but the stuff shoved in drawers and cupboards is the just that you thought juuust miiggghht be useful one day, or you would have decluttered it the first time round - therefore definitely harder! I have a cupboard like that, but also some busy weekends at the moment, so trying to ignore it for now 🤣!
    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!!!
  • I hope your dad is recovering well. 

    And well done for not falling for all the merch on hols. I bought a few t-shirts at gigs we went to and I know I won't wear them and not really sure why I fell for it but I rarely go places with the kids any more as they're not interested, so went a bit crazy when they came :lol: t shirts all round lol. I usually buy something like a t towel or fridge magnet so it is useful. Look forward to seeing the house progress and holiday plans :smiley:
    Mortgage Overpayments 2024/25 - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. A-£200, S- £221.34. O-£200
    Total- £1783.67
    Goal pay off 1% of current mortgage in 1 year. £1650
    EF- £642.41/500
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