WARNING: Buying houses makes you dull.
As if we'd not had enough stress this year, Cromagnon and I are buying a house. Yay!
Two of us, both thirtysomething, both in full-time professional employment, and with an embarrasing amount of help from his family, can still juuuust afford to buy a small and unremarkable dwelling-place. Not-yay! Here's hoping the situation gets less stupid soon, with as few people hurt as possible.
But anyway, we've done all our sums and what-iffing, and had many boring conversations illustrated by Excel spreadsheets and online slidey widgets, and reckon we'll be OK; we'll be in this town for a good few years, so if prices fall in six months it'll only be infuriating rather than devastating. Tentative yay. And we will have a sunny little garden. Yay!
I also now know what a damp proof course is and the differences between the most commonly available types of mortgage. Learning these things makes part of one's soul die, and must be conteracted with beer and cakes.