I wanna be mortgage free!

lil.mouse

Sorry to hear you're fed up. Best wishes with everything and I hope your teaching thing goes well on Friday x

Lynn11

Chin up. Hopefully you will see another house in the next few months that is within your price range and you like. I would not let this put you off having a child, if this is what you want. I live in a 2 bed semi and have a small daughter, so we are ok at the moment but would like to move to a 3 bed in 2yrs time when we can think about having another child. As you wisely say you do not want to go up to your highest budget if you are thinking of starting a family cause you may wish to reduce your hours, work part-time and also have child care fees to pay - which are just as much as a mortgage in my case anyway. Good luck

twinklie

Lynn11 wrote: »

Chin up. Hopefully you will see another house in the next few months that is within your price range and you like.

The only reason we could afford to move is that it was a house swap. A house that needed doing up (therefore worth less than ours) that is bigger verses ours which just needs decorating.

Problem being our second bedroom is our office which we need desperately...therefore there would literally be no room for said baby. Our bedroom doesn't even have space for a crib!! Not unless we move our bed out...lol.

setmefree2

Twinklie why is your oh being so overcautious about taking on extra mortgage? Is he worried about his job?

I would have thought it was safe to take a mortgage of 2.5 to 3 times joint salary. It would appear to me that you are in a good position to move up the ladder and take on a bigger mortgage?

SmlSave

hugs to you twinkle...

gallygirl

What's meant to be will be hon. In time you'll find a property that is right for you both & then you can build your own memories.

In the meantime a dodgy hug for both of you :grouphug:

StuartGMC

Twinklie
I hope you and OH can review and establish what the underlying issues are; I can relate to the idea of not wanting to increase a loan having worked hard to reduce it etc. We looked at moving up from our 4-bed which only has one bathroom, some 5-6 yrs ago but there are just three of us (dd was 2months premature and we were advised not to have a second, but long got over this and we're all happy) and the additional £150k for larger rooms and ensuite, plus the increased running costs just didn't balance out. Remember this present house is the first one we've bought....

If the idea of the increased mortgage is a worry, why not turn to a plan to maximise the savings you can generate and focus on the price to change and hence the costs you'll face. With the present economic situation prudence is sensible so perhaps you can sit down with a 2yr plan for completion of decoration and review of properties in the interim, i.e. confirm the specific locations you'd like to live (by street) and then monitor prices via one of the online schemes.

All of this may help but at the end of the day you both need to be completely honest about the situation and concerns, plus plans you wish to realise.

I wish you both well in resolving these problems.

twinklie

Cheers folks for the sound advice. I'm just having a bad week and being far too emotional I think. So's he. We've decided not to talk about it until the weekend.

His dissertation although late will be handed in tomorrow. I've had parents evening tonight and have a BIG obs tomorrow which has been doing my head in. As has the year 11 coursework issue. Sooooo I'm hoping that by the weekend all will be resolved. I have all the coursework now....it's just all admin that I need to sort out.

So hopefully we will be in a much more calm and rational state to sit down and discuss everything. As for his job...yeah he's only part time and on a year by year contract...but is planning on doing his teacher training next year (Sept 10).

He is also 40 this year and doesn't want to be a really old dad. It's a massive hang up he has. His dad is 61 and runs marathons etc....but he is convinced that he'll never be in that good a condition. Another hang up he's got.

I am feeling much calmer tonight (might help that I'm in my PJ's in bed). Thanks for letting me vent my spleen on here. Just needed somewhere to get it out of my system. I'll update after we've discussed it all with our new plan of action!!

twinklie

Right, not seen Johnny Ball yet...it's THIS Thursday apparently. Dates wrong as per. So I shall be going there for a giggle I reckon.

We were broken into at the back of our house on Friday night. It's rubbish but may well have worked in my favour. I had a massive paddy about it (I was attacked by a burgular when I was 18 so it really freaks me out) and hubby has agreed that we should move.

I've found some nice 3 bed semis with gardens etc in what he deems a "nice" area (we currently live in a terrace in a not so nice area). There is one I've found which has sold him on the idea and is much cheaper than he was expecting! Fingers crossed the bottom will stay out of the market - this time last year we would never have been able to afford such a house.

So it's all systems go at ours now to try and sort our house out for selling. I reckon by summer we should be ready to put it on the market if he works at it....the word being IF! He's not very good at motivating himself (shown by his attitude to the degree). Anyone any tips as to how I can help keep him focused??

I've done all the research around the mortgage etc and we can afford a much bigger mortgage (double) if we take it out over a longer term. That keeps the payments down each month, but leaves us the ability to OP when we can.

I really want to just go now. Unfortunatley a lot of what needs doing I can't do so I'm not really sure how I can help...but I really want to get him focused and doing!

StuartGMC

twinklie wrote: »

We were broken into at the back of our house on Friday night. It's rubbish but may well have worked in my favour. I had a massive paddy about it (I was attacked by a burgular when I was 18 so it really freaks me out) and hubby has agreed that we should move.

Twinklie, my sympathies on this; having been burgled ourselves I know the impact is unpleasant and our dd who was 4 at the time took years to become relaxed at home again.

However, all areas suffer such break-ins so whilst this is a good catalyst for the move do consider how to minimise likelihood at new house e.g. modern double glazing with shooting locks in doors and internal beading on windows etc. If the property doesn't have it or has glazing over 10yrs old then you should be able to use this to push the price down (i.e. let vendors hear you mention break-in and wish for better security in your new home to justify why you are focused on it). Try to get some quotes of approximate costs for window and door replacements as this will allow you to justify reduced offer too (even if you get them fitted at a later date - although I'd recommend to do so early on rather than having to patch/redecorate after they are fitted).

I really want to just go now. Unfortunatley a lot of what needs doing I can't do so I'm not really sure how I can help...but I really want to get him focused and doing!

One way is to sit together and plan things out and to "be there" with assistance for tools etc, it is far better for both to be doing the job than one alone, even if you think you're not contributing a lot. Can you plan 2 weekends "on" and then one "off".

Best wishes