Marry Or Mortgage? That Is The Question.

To marry or to mortgage is the question I ask myself every single day!

We have been together 10 years next year and have two children together. We either need to marry or mortgage!

It's about time we marry!
Here’s a little throwback from 2007!

Since visiting a wedding fair a few weeks ago I have a better idea of how much it costs to marry! The place I want to get married is perfect and holds a bit of family history too. I could picture every single moment of the day there. From getting ready before hand to the photo opportunities in the grounds. It is simply everything I want from my one special day! The wedding wouldn’t be until 2018 so I guess we could pay different things off every month. The biggest expense will be the venue and that is not something I’m willing to scrape on. I just worry that if we marry first, it will take us even longer to save for a mortgage.

With the way house prices are at the moment it would take us years just to save for a deposit as it is. I’m not even sure we could afford to buy in the area we currently live. We live in a little village and I absolutely love it here. The school is good, we have lovely neighbours and both our parents are only a short drive away. It is definitely a place I would like my children to grow up. I don’t want to buy in an area I’m not happy with just for the sake of buying. I would rather wait until we can afford to buy in this area – if that ever happens!

So if anyone knows where the money tree at, let me know! 

What matters most to you? Marriage or a mortgage?

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21 Comments

  1. Oh bless you it is so hard for youngsters these days. My eldest is just starting university and building up a nice loan to take forward with him, I think my generation in many ways had it easier. Sounds to me from reading this that your heart is in the Wedding, you only live once, plan for your big day and enjoy it all, sounds like you have where you want to live for now.
    Fiona

  2. Gosh this is such a good question.For me it would be marriage as I’ve never really had the urge to buy my own house because I just think that it’s not really your own anyway until you finish paying it off and that could take years. Our wedding only cost us £5000 though so that wouldn’t have been enough for a deposit on a house anyway. Such a tough decision that I guess only you and your partner can make.

    #bestandworst

    1. The venue I want is over £5000 by itself! All venues around us are about that too. I’ve never thought of it like that. It’s so true about not owning it for 25+ years depending on length of mortgage! Saying that rental prices are extortionate around here too ox

  3. It is so hard, we got married and moved into our house within a year.We used a new housing scheme to get on the property ladder but I wouldn’t recommend it as it was awful to try come out of it when we bought our 2nd house. Things have a way of working out though lovely. Thanks for linking up!! #bestandworst
    Helen Gandy recently posted…Festive Films!!My Profile

    1. Oh that’s handy to know. We thought about a help to buy scheme but I knew it would be to good to be true! Thank you very much my lovely ox

  4. It’s hard to have it all. Marriage is the most important and family. House will come, when the time is right, you’ll see. We live in a small appartament now for 8 years and although we would love to have a house, we can’t afford it just yet. No money tree around;) But the wealthiest things cannot be measured in money or house you live in..;)x #PicknMix

  5. It’s so tough. I think we have decided to stay where we are and rent until we can afford to buy. I don’t want to move out of the village ox

    1. This is our problem. If we were to buy we would want at least a 3 bed as the girls will grow and need their own space. No point buying to move again in a few years! Our house at the moment is owned by a family member so we pretty much have free reign ox

  6. Oooh it’s a tough one! We married first, then had to wait 9 years before we could get a mortgage (and even then it was with a lot of help from our parents). It’s so difficult these days.

    It’s probably an impractical way to think about it but… there will always be houses to buy, but you never know when you might lose someone important in your life – go for the special day together! #pocolo
    Lucy At Home recently posted…Bravissimo: Get Ready To PartyMy Profile

    1. You are so right! I’m still young and have years to find a perfect-ish house. For now we have a roof over our head and thats the main thing 🙂 ox

  7. Oh we are in a similar situation at the moment, and we’ve decided to marry first. Mainly because we are in no position to buy a house, especially not the size/location we want so we thought we’d get the wedding done and then se where we’re at! xx #PicknMix

  8. It’s such a tough one isn’t it? House prices are bonkers, but then weddings can be too. We already had our house and then got married, but that was a while back now. Thanks for sharing with #PoCoLo

  9. A tough one. House prices are crazy and weddings too! The trouble with weddings is there’s always someone willing to take your money. I hired a wedding planner who wanted me to have her dream wedding, not my own. In the run up to the wedding she stopped calling. I had no flowers, no dresses, nothing was arranged except the venue. In the end it worked to my advantage as I was able to get the florist I wanted, she’d previously said my venue was too far away. After I told her about my wedding planner ditching me she said she’s do it and I loved my flowers.
    Buying a house is almost the same but with less people involved. Hope you come up with your answer. Sorry for the epic comment and thanks for linking to #pocolo.

    1. Everything is just so expensive these days but wages just don’t seem to be increasing as much! I really want to stay in the area we live but I don’t think we’ll ever be able to afford to buy here 😐 it’s such a tough one ox

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