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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To think about moving.

3 replies

LilyLongJohn · 27/11/2020 10:20

I'm currently living in a horrid 3 bed, 1970s semi, really ugly house with a nasty steep drive. It was my exh house, however I bought him out as part of the divorce and will have the mortgage paid off in about 8 years. I'm really proud that I'm in this position, I have a good, well paid job, my kids are becoming more self sufficient and we've struggled through the toddler years, with little money/support and I can finally see light at the end of the mortgage tunnel. Once inside the house, it's lovely, I've spent a fair bit of money getting it to a place I really like once the door is shut, I also have lovely neighbours and it's a nice area.

But, and here's the aibu, I've always wanted a 'picture postcard' cottage, and I hate the thought of this being my forever home, and it still feels like ex house. A few houses I like have come on the market, all beautiful, in nice areas, that fit the bill, but it would mean potentially doubling my mortgage and extending it another 8 years. Am I being overly romantic, should I move to what could be my forever home, would I get pissed off with having little disposable income again, would the novelty wear off, am I being unrealistic in the current climate, I've been thinking this over for what feels like ages and I just can't see the wood for the trees.

So wibu (or stupid) to move to a house I love, that's not my ex house, but double the mortgage and double the time to pay it off.

I'm in my late 40s and my job is about as secure as anyone could get in this current climate, if that helps?

OP posts:
dontdisturbmenow · 27/11/2020 10:24

It all come down to whether you can afford double the mortgage and your job security. Whether you are likely to still have the energy to work ft at the level you are until you are in your mid 60s.

LilyLongJohn · 27/11/2020 10:35

Yes i can afford the mortgage, it would just mean cutting down on some luxuries and not paying as much into savings etc.

I'd not have the mortgage past 60, and I should be having a large lump sum from my pension at 55 which would cover any remaining mortgage.

OP posts:
Plonque · 27/11/2020 10:42

Can you stay put until the kids have gone so you can downsize and perhaps not have to add to the mortgage at all ?
I'm separating and have reconciled myself to living in a shit house until I am free of the kids.

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