Looking to relocate to the Chichester area ? the idea is to rent for a year or so to get a feel for the place and then hopefully buy somewhere (finances and deposit allowing, of course!)
There is DH, my 20-month son and me. I work from home four days per week, commuting into London once a week (this can sometimes on rare occasions be twice per week). DH is currently a SAHD but will be looking for full-time work once we?ve moved.
We?ve looked at numerous flats/houses in Chichester, up to about £800/month. A couple we want to view that look really quite nice, but they are having some work done/improvements made so will have to wait a while to see them.
Most have been damp/unsuitable/tiny. Predominantly permit parking (but shouldn?t be too extortionate). One or two are in lovely areas but most of them not so much. To be fair there are others that we've seen, but they've not really floated our boats. But they all obviously have the convenience of being near the railway station for my commute day.
By chance we searched the area my mum lives in (about a 20 minute drive from Chichester) and have found an amazing 2/3-bedroom house about a 10-minute walk away from the nearest high street. It is perfect and it is on for the same rent as the flats in the town centre. Only on-street parking, and a lower council tax band than most of the flats we?ve seen. It would mean a bus/lift into Chichester and back on my commute days, with the associated cost.
I?m being a bit nuts to consider the house, though, aren?t I? I work in the publishing industry and, despite talking things through with my boss, I worry about losing my job ? not because of any particular threat or anything, but just because of the climate at the moment). Money would be tight while DH looks for a job, but we could just about manage I think. I guess what worries me most is that, if I lost my job, I think there?s more chance of me finding work in Chichester or one of the surrounding towns. But then, if it only takes 20 minutes to drive in, is the house?s location really an issue?
Utilities are another consideration, as I imagine it would be a fair bit more to heat a house than a flat ? although the house does have a wood burner as well.
I?m terrible with decisions about anything, but this one had me awake all night last night. Do we take on the house, have a beautiful albeit temporary home and take a leap of faith that DH will find work quickly and I will not lose my job, that utilities will not cripple us, and that once settled we could start putting bits of money away for the house deposit (as the end game, if that doesn't sound too wanky, is to buy and saving for the deposit is very important to me).
Or do we hang on to see these other flats and other ones that come onto the market, risk losing the house in the process. Pay out the same rent as we would have on the house, but have much less space (and maybe no garden) and no room for friends/family to stay over when they visit (not sure how often this would be anyway though). But be closer to 'civilisation' and the rail station.
My heart is crying out for that house. But my head is telling me to be cautious - I worry terribly about money and would hate to be in a situation where ridiculous bills come in even when we're being frugal. But I can't seem to let it go - mainly because the rent is identical to the flats but with soooo much extra space and garden - and I think I'm driving DH insane...!
What would you do? I wish I had a crystal ball!
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I’m being bonkers, aren’t I? Level heads required...
9 replies
ticklemyboobsofsteel · 27/02/2013 15:03
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