No fucks given: Getting a mortgage

I wrote a post the other day about the things that I can no longer be assed to give a fuck about in 2018. The things that I used to give a hoot about, that I’m finding myself wasting valuable brain energy and space on- and am releasing from my ‘fuck budget’ as the new year rolls in. You can take a look at my post on Instagram themes here!

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But today? We’re talking mortgages. Or more specifically, not worrying about the fact that I don’t have one and am nowhere close to getting one.

I can’t even count the number of times that people have asked me if I’m renting or I’ve bought a house. I can’t even name the people who ask me how much I’ve saved up already for my deposit. I don’t even want to list the number of humblebrags that appear on Facebook as people share the picture of their new dream house. It seems to be a mark of having made it in adulthood these days. That getting your shit together = getting your own house.

Nowadays- the property market is PAINFUL. It’s expensive, it’s extortionate prices- and honestly? Unless your parents are willing to give you a lift up the ladder, or you’re willing to live at home with them and save up…. then it seems very far out of grasp for most people.

I’ve spent a lot of time calculating how I’m going to afford it, where I can cut my expenses and how I can possibly ever save up 15,000 pounds to put down on a house when I’ve still got rent to pay and a life to fund.

But the thing is… I don’t even know where I want to live? I don’t know what the future demands in my life will need? I don’t know how many bedrooms we will want because I have no idea where the future is going to take us.

Currently, I want a cute little townhouse by the seaside- but what about in 10 years?

The more I think about it, the more ridiculous it seems that I would invest so much in one thing- when I’m not even sure it’s what I want right now.

All of my spare money goes on the kitten’s jabs, car finance, house bits and saving up as much as we can for the honeymoon.

So- adios mortgage. You’re off the fuck budget for a little while longer!

Rach

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