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The Ongoing Saga of Ruby Trying to Own A Home

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  • rtandon27
    rtandon27 Posts: 5,687 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: 4,795 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: 3,344 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: 9,399 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. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200.
    Total- £1162.23
    Goal pay off 1% of current mortgage in 1 year. £1200. (96.83% there)

    EF- first goal £300
  • South_coast
    South_coast Posts: 5,878 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!!!
  • ruby_eskimo
    ruby_eskimo Posts: 4,795 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    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 🤣!
    Glad I'm not the only one SC!  Most of our "cupboards of doom" are in the utility room because I was just throwing things in there when the kitchen was finished.  Plus the two drawers in my desk that has "important" paperwork that I couldn't file away because I couldn't get to the box where they should go.  SO I don't really have any excuses to be honest!

    DH has now suggested we start the priming and sanding in the hallway this weekend 😒 so looks like we'll be decorating that before we go away.  To be honest, we have three weekends in a row with not a lot going on, so it's possible that we could get it done if the builders can do their little bits too 🤞
    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
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