My Shiny New Diary!!

**Amy**

Hi Sophie

Im soooo impatient!! Its what got me into debt in the first place!!

:rotfl:

sophie27

Me too! I was supposed to save half of the money towards my mini cooper. I couldn't wait and took out a loan for 8k last summer! Paying for it now!

**Amy**

Yeah im so trying not to look at things i want!

At the moment i want a house. I have just been looking at mortgages and even after paying off my debts getting one is going to be hard going.

The amount per month will be about £750-800 a month. :eek: Thats pretty much all of my salary gone! :rotfl:

Im sure i can do it, just need to save for a deposit, a big one... or a lottery win!

x

sophie27

Mine is 1100 between two which is a bit

**Amy**

See i could afford the 1/2 bit (£550!) but no way could i do the £1100.

I suppose £800 isnt too bad then, but im probably getting it wrong as im randomly doing "repayment" and all sorts (not a clue!). I am speaking to a financial advisor soon to just get some advice about mortgages in general, i really am not savvy when it comes to house buying (having never done it ).

xx

sophie27

Hit enter too fast so half a post there! Mine is 1100 between two which is ok but house is absolutely tiny and when we move its going to be 1k each which is a bit :eek: if anything were to change. Have you had a look to see what you could get near you?

**Amy**

sophie27 wrote: »

Hit enter too fast so half a post there! Mine is 1100 between two which is ok but house is absolutely tiny and when we move its going to be 1k each which is a bit :eek: if anything were to change. Have you had a look to see what you could get near you?

Yeah i have actually fallen in love with a house near me.

Its a 2 bedroom for £126,000. I did a quick calculation on Halifax and they said they would lend me £134,000. If i went for that house and had a £6K deposit they would do the mortgage. It worked out at about £800 a month for repayment (or something near that) over 25 years.

Im not sure of all the details on it, but at the mo i cant get anywhere as i still have debts and no savings! :rotfl:

Hoping that house prices may fall a little bit next year, even £5K would help me out so much.

x

sophie27

That is really good, especially in commuting distance of London! I fell in love with one and kept looking at it on rightmove but OH wants to stay south while I want to move north. I will win!

Just keep motivated, will all be worth it!

x

**Amy**

:hello:

Feeling very tired today. And a bit demotivated. Ah well! :rolleyes:

Trying to think of things i can list on ebay tomorrow, but to be honest most of the things i can sell, i have! :rotfl: Not sure what i can sell next... WIll have to get tough and dig out some clothes etc. I think.

I made an overpayment on my CC today of £91 (it was sitting in my account not doing much) and plus it now means i have been entered into a draw with HSBC to win one of 2 prizes of £5,000. You never know! How cool would that be?

Couple of bits to do at work, but I really want to try and tidy the office if i can, its a bit of a mess (not a lot of storage space unfortunately).

Lucy1982_2

Hi!

I think we all have demotivated days, but at least you are looking at ways to be postive.

Go on sort through that wardrobe.... do you actually wear all the clothes in there? I know I don't wear all of mine!