Future Planning – Moving Into A House

Future Planning – Moving Into A House

Around the Christmas break, I was totally inspired by Jemma of Dorkface’s Instagram stories of her 2018 planning so much so that I decided to sit down and really drill down what I want out of 2018 and ultimately the years to follow.

Now me and my boyfriend may have only been together 14 months but we’ve already had all of the future talks which in part is a little scary but at the same time just feels so right for where we are in our lives. Back in 2012, I bought my flat through the shared ownership scheme and it’s still the single best thing I have ever done in my life. Over the course of the first 4 months of 2018, the plan is for my boyfriend to sort out some financial bits and for me to have a proper clear out of my flat in order for him to move in *eek*.

Overall of 2018 and probably most of 2019 I’m going to be saving, and saving as much as I can which means a few less last-minute holiday’s, and a lot fewer takeaways and Asos hauls. But the main reason for the saving is that we’re hoping to start looking for a house either late 2019 or the start of 2020. Now I know this seems crazy to be thinking this far ahead but when it comes to properties and big things like this it’s not something to think of spur of the moment. We’re hoping to go and see a mortgage advisor near the end of 2018 just so I can ask a bunch of questions I have about selling a shared ownership property and to find out realistically how much of a mortgage the pair of us would get on what we’re earning. By knowing this we’ll have a much better idea of what we might be able to afford.

flat

Roughly thinking ahead we have a figure in mind of what we think we can afford taking into account how much I’ll have made from my flat, how much of a mortgage we think we might get and some additional savings which we’re hoping to have so we’ve already had a quick look on housing sites to get an idea of where we can find what we want as I know Watford, where I am at the moment, might be a little pricey for what we want so we may need to move just a little further away (although I’m only talking 15-20 minutes drive).

Some of our ideas are pretty essential and some of them are more ‘in an ideal world’ situations but it’s very much going to be a see what’s out there when the time comes. We know we want a semi-detached house as we want a driveway then we don’t have to worry about parking spaces and my partner will have adequate room should he end up getting a van for work one day.

We want a bit of a garden, now it doesn’t have to be huge but somewhere to have a table and chairs for BBQ season and some room for the cats we’ll have to roam around and get some exercise in. This is going to be a big change for us as we’ve been used to being in a second floor flat without an outdoor area at all but I’m kind of looking forward to potting plants and mowing the lawn. Alongside the garden, we’d either need a garage or side access through the garden to a secure shed/ outdoor storage as with my boyfriend being an electrician he needs space to put his tools and equipment for work. A garage would be ideal as it can then provide a huge amount of storage but we’d make do with a decent shed.

sony xperia z5

Next up we know that we want three bedrooms although not for a potential extending of the family, although who knows what the future will bring but for space. As well as a nice sized bedroom we will want a spare bedroom because it’s always nice to have somewhere to offer guests to sleep in plus we can use additional storage in this room to cover what may not fit within our master bedroom. Now the use of the third bedroom depends on what rooms we have downstairs in the house as we want to have both a man cave so my boyfriend has his own space to play PlayStation games, use his VR headset with the PC and store away all his comics and games. And on the other side I know I want an office, it doesn’t have to be massive but space I can dedicate as a working area with an area to take all my blog images so they’re not sprawled through the house.

Leading onto downstairs one of the above rooms is likely to be down there, more than likely the office, but of course we’d have a living/ dining area alongside hopefully a good sized kitchen as I would absolutely love an island. Now this is probably the lowest down our priority listings but I’d rather have a slightly smaller living room and a larger kitchen to accommodate this but who knows what properties will be around. I love the idea of having plenty of space to make the kitchen a social area, somewhere me and my boyfriend can cook together comfortably without standing on each other’s toes. The final thing I want in a house is a toilet both upstairs and downstairs for convenience. In an ideal world I’d love the main bathroom upstairs and a toilet downstairs but if it was the opposite way around it wouldn’t be a deal breaker but I’m not climbing stairs every time I need to pee.

Where do you see yourself living in the future?

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I'm already thinking of future plans of buying a house. It might be a few years away but here's to looking towards the future

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This post was written in collaboration with SGS Engineering but all daydreams and thoughts are my own

21 Comments

  1. January 12, 2018 / 9:48 pm

    Eekk how exciting for you! One day I would love to be able to buy my own place, it would have to be a bungalow for sure but for now I’m quite content in the little on we rent.

  2. January 12, 2018 / 10:10 pm

    Exciting! Sounds like you have got it all planned out I’m still debating whether to move from our flat into somewhere bigger – although now my son has moved out, I am not sure if I need to

  3. January 13, 2018 / 9:45 am

    How exciting! My boyfriend just moved in with us and we are planning ahead for the future with things like moving to a bigger place as between us we have three children. We are going to have to move about 40 minutes away though if we are ever to afford anything x

  4. January 13, 2018 / 1:55 pm

    It’s so exciting to make plans and your wishlist for a house seems like a really sensible idea! I definitely agree with the two toilets…I can’t tell you the number of baths I abandon because my OH needs the loo…!

  5. January 13, 2018 / 2:31 pm

    Exciting stuff. We bought a house over 12 years ago – wow time flys. We plan on moving out in the next five – not sure where yet though x

  6. January 13, 2018 / 5:07 pm

    This is so exciting! Moving can be so much fun especially when there is so much more room and more design can be personalized.

  7. January 13, 2018 / 8:51 pm

    I hope you get the house you want, it’s so hard ot try and save and pay all the bills as well. I would love to have a house with a garden for my daughter.

  8. January 13, 2018 / 11:43 pm

    Having a garden will be lovely for you and the cats after all that time in a flat!

  9. January 14, 2018 / 9:41 am

    How wonderfully exciting! 🙂 All the best for 2018 and your fabulous goals! Wish I could be thinking about buying a house…. daydreams! 🙂

  10. January 14, 2018 / 3:20 pm

    This is all so exciting! We are thinking about moving into something bigger as Olivia needs her own room so we have got many house plans too x

  11. January 14, 2018 / 9:05 pm

    How exciting moving in together and talking about future moves too, we are thinking of moving this year too x

  12. Helen
    January 14, 2018 / 9:05 pm

    Aw your plans are so exciting! Officially moving in together is such a big, and amazing step. Wishing you the best and hope you find the house of your dreams. I have lots of house plans this year, its hard to admit travelling needs to take a back seat though isn’t it.

  13. January 14, 2018 / 11:42 pm

    How exciting! Saving up is difficult but so worth it – I still feel excited that me & my husband live together. Still don’t feel old enough nearly 19 years later!

  14. Dannii
    January 15, 2018 / 9:13 am

    Wow, that is some forward planning, but very exciting. I can barely seem to plan out my week at the moment, let alone 2 years down the line.
    Buying a house together is an exciting step though.

  15. Jen
    January 15, 2018 / 10:27 am

    All very exciting, what a fabulous aspiration to have. I don’t think we have any major plans to move for some time. We’ve been improving our house recently, but maybe one day we’ll be considering similar to you. I just think I’d move further away from the rat race and probably further North.

  16. January 15, 2018 / 12:06 pm

    Oh how exciting Rhian! I really want to move but I think we’re going to stay where we are and extend. H x

  17. January 15, 2018 / 9:50 pm

    I think it’s brilliant to plan ahead and how exciting that it all feels so right for you. I am really, really, really hoping to move this year and I love the idea of writing down some things that I’d like in a property, I’m going to do that this evening.

  18. Sabina Sher
    January 16, 2018 / 1:49 am

    Congrats! It’s amazing that you’ve bought your own place – I can only dream at the moment, so I’m especially happy for you 🙂

  19. January 16, 2018 / 6:23 pm

    I don’t think you can put a time on when you should move in together, it sounds like you’re super happy together! I want to start saving for a deposit, I am hoping to save in similar ways to you, gotta quit those takeaways *hearbreak* xxx

  20. January 16, 2018 / 7:22 pm

    Wow! These are big plans to be making with your other half, I’m so excited for you Rhian 🙂 as you know, I just bought my second property, a 2-bed Victorian terrace cottage (sounds more idyllic than it is, until you hear it’s in Reading and I show you pics of what has become something of a renovation nightmare haha). In order to purchase my second property, I actually remortgaged my flat onto a Let-to-Buy mortgage, and took £30k equity out of it to fund the deposit of my house. Is this something you could potentially do with your flat? I rent my flat out, and the rental income more than pays for the mortgage – so may be something worth talking about with the mortgage advisor? And by all means give me a shout if you wanna know more about who I did it all through etc – more than happy to help xx

    • Rhian Westbury
      Author
      January 17, 2018 / 10:28 am

      That’s a really good way of doing it but annoyingly because I am on the shared ownership scheme this isn’t an option so I have to sell. Thankfully there should be enough for a good deposit it’s just knowing how much more we’ll get having a mortgage between us! x

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