Another year in a crappy house, or move somewhere a bit nicer?

[MaMight]

We currently live in a tiny, crappy house. We agreed to live in this crappy house for one year because we couldn't afford anything better. I have been so looking forward to moving into a nicer place. But now it seems we have a choice...

Option 1: Another year in a (different but very similar) really crappy house. We will save SO much money if we do this. We need to save this money.

Option 2: Move into a fairly nice house and still save a bit of money but not as much.

We will be better of financially whatever we do.

Would you go for option 1 or 2?

(going to feed baby now then check back)

Option 2. Live somewhere nice and enjoy it.

well it hinges on why you need to save the money. if you genuinely need to then option 1 otherwise 2.

How crappy do you mean?

How much do you need to save the money?

We need to save money to pay back debts. Nothing frightening, all manageable. We would still be paying them off at a steady rate if we lived in option 2 house. If we went for option 1 we would be debt free and have savings by the end of the year.

How crappy...? Well not health hazard crappy. Not danger to my family crappy. Just small and pokey with one tiny main room. Every meal time we have to push the sofa over to pull the table out to all fit round. So, not terrible really, but I would SO love to live in option 2 and have a bit of space and a room for the kids.

One minute I think the sensible thing would be to live in crappy house for just another year and enjoy the financial benefit - I could take up a language course I fancy, and dd could do ballet again, and we might even stretch to a little holiday.

But then I think no, we have all hated this year in this crappy house and we have all been pinning out thoughts on the day we can move out. We would still be better off in the nicer house, and life is for living now.

[swinging like a pendulum emoticon]

Option 1 then. Crappy house for a year, no debt, some savings and some enjoyable stuff for all of you. You doing your language course and dd having ballet lessons is also living life now.

Followed by a nicer house with no debts.

I immediately thought option 2 as you'd be happier although a bit skint. BUT then thought, hey, it's just one year and your debts will be paid, little holiday, ballet for DD, course for you. That year will fly by so I now think Option 1.

Hope it all works out well whichever you choose.

Option 1 - being debt free and having savings is a good place to be, especially as you'll get the hols, language course and ballet too

Option 1

We live in a very tiny house ....to move would mean a huge readjustment of our lifestyle - our 2 eldest are teens and really we need room - in the summer we suggested a move and both teenage boys were horrified -kids just take what they have and what seems bad now when you look back wont look so bad.

We had to live in a tiny caravan for a few months due to some housing repairs whilst for me it was a nightmare my boys speak so fondly of it you might think wed lived on different planets during this time .

I think crappy house another year and then fresh new start.

Option 1.