As you may know, all the no buys, saving and planning finally paid off - I Bought a House! A Few of you who are in the process of saving got in touch and asked if I would share some of the details of my mortgage, and talk through the decisions I made when choosing a mortgage product - happy to oblige and share that with you today. Hopefully it will be helpful in some way!
Please Note: Rates and Product Details correct at time of application. Rates were better before the pandemic as a FTB, then improved after I took out this deal, but product fee was higher, often its swings and roundabouts with these things. Some other providers offered slightly better rates, but didn't have some other benefits the product I chose did.
(For 12 months in 2020 into 2021, I bought absolutely nothing but essentials, sometimes referred to as a No Buy Year. I did this in a bid to save the most money I possibly could, so that not only would this help with my financial goals, but that should the worst happen through this weird time, I'd be ok financially. Through completing a year long no buy (along with other money saving methods) I managed to save more than 50% of my take home salary which is both mind boggling and life changing. I'm fairly certain I will have changed my relationship with money forever.)
Over the last few years, I've come to the realisation that whilst a certain level of material things do add to your life, more stuff will not necessarily make you happier. This realisation hit me when I looked around my home that was filled with stuff (so much so I felt I needed a bigger house) and couldn't say I was particularly happier than when I lived in Spain (in 2008) when everything I had with me fit in one large drawer and a very small wardrobe.
These days I prefer to adopt a buy less, buy better approach, with a focus on quality over quantity, removing the clutter, and utilising my money in the best way possible.
WHERE ELSE TO FIND ME:
Instagram - / kirstyloukirby
Blog - www.kirstykirby.com
MAKE UP WORN:
Violet Voss Matte About You Palette
Estee Lauder Sumptuous Extreme Mascara
Benefit Brow Pencil
Estee Lauder Double Wear Foundation
Tarte Shape Tape Concealer
Laura Mercier Translucent Powder
MAC SkinFinish in Medium Deep (As Bronzer)
MAC Blusher in Mocha
Buxom Lip Pencil in Hush Hush (used all over in place of lipstick - a great way to use up lip pencils if they are creamy and non-drying btw!)
NAILS:
None - no time this week!
CLOTHING:
Colourblock Cardigan - Karen Millen (past season, probably 10 years old)
Jersey Top (worn underneath) - Primark
LIGHTING:
I use natural light (i.e. I sit in front of a window) supported by a ring light on darker days.
DISCLAIMER:
All products were purchased with my own money and this video is in no way sponsored. Should a video ever be sponsored, or should I receive goods for free to review I will always aim to disclose this either in the video or in the video description. My views will always remain honest and my own.
Items marked with an asterisk were received as a gift or as PR.
I do sometimes use affiliate links in my description, these links do not cost you any more to purchase, often you will receive a discount, but I may earn money from these links.
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