Moving on up! 🏡

Jessy103

Thanks everyone x Thank you Greent, I appreciate you sharing your story x

What a miserable day! Got soaked walking around the village to my cleaning jobs. It was so nice to get home, have a nice hot shower and then get in my scruffs to chill out. DH made me something to eat and then I went to have a lay down and slept for 2 hours. I'm feeling a little rough, so I'm hoping I'm not coming down with anything! We have nothing planned for tomorrow, so going to have a lazy day and rest up. 

@Hettyhound How lovely discussing dream houses with DS. It's like discussing how you'd spend the money if you ever won the lottery! We are lucky in that house prices are lower here than in a lot of other places, unfortunately they do seem to be rising as our little rural village appeals to people from down south wanting to sell up and live a quiet life in the country and as we're only 30 mins from a train station that's on the line straight down to King's Cross, we're in a good spot. I'm starting to sound like that sketch from a League of Gentleman with the creepy couple that run the local shop for local people 🤣

newgirly

Another one late to the party, but I’m voting for option four too jessy 😬 looks amazing for the price and you will no doubt kill the extra mortgage fast anyway 😉

Hettyhound

A local shop for local people, we’ll have no trouble here 🤣

Jessy103

Thanks NG x

Definitely, Hetty 🤣

Still feeling a bit rough today, so haven't really done a lot. Got a load of clothes washing done which is now drying on the radiators. Sorted some photos out and started to fill another storage box ready to go in my parents loft. Planning on buying some paint this week to start having a tidy up for estate agents coming to value in a couple of weeks. 
 Did a price comparison for Dog 2s insurance and got it from the renewal price of £40 a month down to £15 a month. I just need to cancel the renewal now. 

themadvix

I assume D2 doesn’t have any pre-existing conditions Jessy? They won’t be covered if you switch - but very envious if he(?) doesn’t and you can!

carboot_karaoke

Afternoon all, 

Apologies, I'm extremely late to the party  I have been reading along but haven't quite had the time to respond.

For what its worth, I agree with the sentiments of most posters. You really have worked hard and if the dream house is within reach when the time comes then grab it with both hands. 

Having brought and renovated 3 properties l agree totally that costs will and do spiral out of control. Not to mention the trauma of living in a building site for months or longer on end. While your mortgage payments may be lower, how would you fund the renovations?? We used savings and 0% CC but then each month several payments are needed to service the debt instead of one albeit maybe larger payment. 

With spending a bit more to get what you really want, you'll instantly be able to see the rewards of your labour. You've shown real focus and hard work to clear this debt and l have every confidence the next mortgage will be exactly the same. 

I think 2026 could be a really exciting year for you 🏡

Jessy103

themadvix said:

I assume D2 doesn’t have any pre-existing conditions Jessy? They won’t be covered if you switch - but very envious if he(?) doesn’t and you can!

No, he doesn't vix, thankfully! x

Jessy103

carboot_karaoke said:

Afternoon all, 

Apologies, I'm extremely late to the party  I have been reading along but haven't quite had the time to respond.

For what its worth, I agree with the sentiments of most posters. You really have worked hard and if the dream house is within reach when the time comes then grab it with both hands. 

Having brought and renovated 3 properties l agree totally that costs will and do spiral out of control. Not to mention the trauma of living in a building site for months or longer on end. While your mortgage payments may be lower, how would you fund the renovations?? We used savings and 0% CC but then each month several payments are needed to service the debt instead of one albeit maybe larger payment. 

With spending a bit more to get what you really want, you'll instantly be able to see the rewards of your labour. You've shown real focus and hard work to clear this debt and l have every confidence the next mortgage will be exactly the same. 

I think 2026 could be a really exciting year for you 🏡

Thanks CK, I appreciate your post. I love the thought of doing somewhere up and making it our own but I don't know if I have the patience for it. 😅  

I showed dream house to work bestie today and she said 'that's a bit big for just you two' which did upset me a bit. I responded by saying why should only people with kids get to live in big houses and what if I want a crafts rooms or a library! 🤣

Office job and cleaning job done and savings is now £520/£10,000. 

debtfreewannabe321

Jessy103 said:

carboot_karaoke said:

Afternoon all, 

Apologies, I'm extremely late to the party  I have been reading along but haven't quite had the time to respond.

For what its worth, I agree with the sentiments of most posters. You really have worked hard and if the dream house is within reach when the time comes then grab it with both hands. 

Having brought and renovated 3 properties l agree totally that costs will and do spiral out of control. Not to mention the trauma of living in a building site for months or longer on end. While your mortgage payments may be lower, how would you fund the renovations?? We used savings and 0% CC but then each month several payments are needed to service the debt instead of one albeit maybe larger payment. 

With spending a bit more to get what you really want, you'll instantly be able to see the rewards of your labour. You've shown real focus and hard work to clear this debt and l have every confidence the next mortgage will be exactly the same. 

I think 2026 could be a really exciting year for you 🏡

Thanks CK, I appreciate your post. I love the thought of doing somewhere up and making it our own but I don't know if I have the patience for it. 😅  

I showed dream house to work bestie today and she said 'that's a bit big for just you two' which did upset me a bit. I responded by saying why should only people with kids get to live in big houses and what if I want a crafts rooms or a library! 🤣

Office job and cleaning job done and savings is now £520/£10,000. 

Our neighbour has the same size house (minus the loft room) as us and is single with no kids. She's a crazy dog lady instead and has filled it with the annoying yappy kind of dog rather than cute ones I want to cuddle 🫣🤣.

Humdinger1

@Jessy103 that is a rude, patronising comment from work bestie!  Sometimes people don't like it when you change...keep going and do what you want to do! Agree that spending a bit more and not living in chaos would be my choice.  Onwards and upwards love Humdinger xx