@Spicychili
Also, re; your 'small' house, we have a small-ish house too, and I have had a couple of people commenting on it, including a woman I used to be sort of friends with a few years ago (not anymore!) She has a large 4 bed detached house 15 minutes walk from me, and has made snide and disparaging remarks about our 'tiny' 2 bed cottage, but I don't care because I love it, we have a big garden, and we were mortgage free - in our late 40s. (Been here over a decade.) We downsized from a big 4 bed, and were glad to be free of all the cleaning, maintenance, and high energy bills!!!
So I wasn't remotely envious of her. She thought I was, and I explained I absolutely am NOT, because I had a big house before, and chose to downsize. Also, she and her DP had to take out a £200K mortgage at 50 and 52 years of age, (to buy said huge house!) and they had a MASSIVE monthly payment that took half their monthly income. (The house was £280K and they took £80K from a previous property. This was 2012-ish) They previously had a 2 bed flat, and for some reason, even though neither of them had children, and they were in their 50s, they felt the need to take out a huge mortgage, for a big 4 bed house! For 2 of them.
Fine if you're young, as you may have children somewhere down the line, but they were in their 50s!
They have ZERO surplus income. They haven't been on holiday for 9-10 years, or bought any new clothes or new household gadgets, and they never go out to the pub, or out for meals. They can't even afford to decorate, and the house still has the 1993 decor and carpets that have been there since the house was built. They have a 2003 Ford Fiesta that's falling apart, as they have not been able to update the car.
Yeah, DH and I will take our TINY cottage ta!
(And our large amount of monthly surplus income!)
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