Instagram post 2193115495682813429_30821769 TGIF, this week has been the longest ever but we made ittttt! 🙌🏻 Tomorrow we have the works Christmas party which is rumoured to be the best one yet but for tonight it’s time to relax ☕️💗.
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#christmas #christmastime #chitchatcaptions #wildfridaynight #17weekspregnant #firsttimepregnancy #myeverydaymagic #thatauthenticfeeling #darlingweekend #makeitblissful #discoverunder1k
Instagram post 2189367786610130459_30821769 The festive season has arrived, happy 1st December 🎄🖤 It may have taken me 3+ hours to put this bad boy up last night cause I was being lazy and having food breaks in between but we did it 💪🏻.
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#christmas #christmastree #letthefestivitiesbegin #welovechristmas #ohchristmastree #16weekspregnant #chitchatcaptions #thatauthenticfeeling #darlingweekend #mylifeinsquares #posttheordinary #discoverunder1k
Instagram post 2184106222865015989_30821769 Happy Sunday morning! I’m going to spend my morning trying to catch up on my Christmas shopping because I’m so far behind this year 🙈 How are you spending your Sunday morning? 💞.
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#chitchatcaptions #christmas #wherehasthetimegone #darlingweekends #cosymorning #makeitblissful #discoverunder5k #photosinbetween #shopsmallbusiness
Instagram post 2173454073155983932_30821769 THE SECRET IS OUT! 🙈 Nathan and I are so excited to announce that baby Jones is due in May. I still can’t quite believe there’s a baby inside my belly, but it’s gonna have to sink in pretty soon! 💞.
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#pregnancyannouncement #secondtrimester #babybrewing #pregnancy #babyjones #2020 #mumtobe #mummytobe
Instagram post 2170681951291473134_30821769 Happy Bonfire Night! ✨ I’ve just had a lovely overdue @lush bath, I’ve made the first hot chocolate of the season but I still can’t stop thinking about these doughnuts Nathan treated us two like 2 weeks ago 💭🤤.
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#krispykreme #doughnuts #chitchatcaptions #chattycaptions #itsalmosthumpday #posttheordinary #photosinbetween #foodgasm #eattherainbow #yumm #selfcare #bonfire #bonfirenight
Instagram post 2163848167900447402_30821769 This is how my Sunday looks, relaxing before Nathan leaves in the morning for another week working away. That extra hour of sleep was definitely needed 😴💞
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#relaxing #sundayvibes #darlingmoment #myeverydaymagic #thatauthenticfeeling #chitchatcaptions #documentyourdays #thesehappysquares #discoverunder1k
Instagram post 2161257590277054356_30821769 This one is working away this week, and although it doesn’t come around often, it’s never easy. Ready for you to come home now pls 😘.
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#chitchatcaptions #mylifeinsquares #discoverunder1k #happysquares #happyhumpday #wecandothis #chattycaptions #documentyourdays #posttheordinary
Instagram post 2153880987251247474_30821769 Yes, I’m grumpy. I’m grumpy because it’s Sunday afternoon already; where did the weekend go? 😭 I’ve honestly spent my weekend being lazy AF and it has definitely been needed. We’ve watched countless films, and drank way too much tea ☕️ .
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How have you spent your weekend? 💞.
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#darlingweekend #procrastination #imsosleepy #potd #homeinteriors #shelfie #shelfdecor #homesweethome
Instagram post 2143525070899166729_30821769 This is what Sunday mornings are all about ☕️💞.
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#sundayvibes #mylifeinsquares #postitfortheaesthetics #posttheordinary  #darlingweekend #discoverunder1k #teaislife #fisforflatlay #bloggerstribe
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Kayla Jayne Ramblings of a 20-something self care advocate and momma-to-be

am I a hypocrite? featured image
November 18, 2018 Lifestyle

Am I A Hypocrite? Why We’re Back In a Rental Property

Around a year and a half ago, I wrote about rental properties being a waste of money. However, here we are again. Nathan and I have moved back in to a rental property. You could call me a hypocrite, however I still stand by everything I said.

I still hate the thought that we’re paying someone else’s mortgage. But our situation has changed, Nathan’s changed jobs and is now self employed. Things are going great, but it is also much harder to secure a mortgage when you’re newly self employed. Number one, your income isn’t guaranteed. Even if you know you have 2 or 3 years worth of work ahead of you, Mr Lender can’t give you £100,000’s without proof of a steady income. Which brings me to point number two. You need at least two years of solid books (accounts) before they even consider borrowing you any money what-so-ever.

Am I A Hypocrite?

Although we have saved towards our deposit, we couldn’t see ourselves living in parents houses for another two years. Both being adults who’ve lived in their own space before proves it difficult moving home to parents, I will admit it. Our parents have been amazing, and we’re SO thankful for everything they’ve done for us over the past 18 months or so. Well we’re always thankful for everything they do for us. But even more so for having us back home.

When a family friend got in touch to say that his flat will be up for grabs, it was an easy decision. It’s less than a 10 minute walk for me to get to work, which means that in time were going to sell my car and get myself insured on Nathan’s car. There’s no point us having two cars sitting on the road while Nathan uses the van for work. Nathan’s brother has also moved in with us as its two bedrooms, so he can help with the bills and we can carry on putting some money away.

Am I A Hypocrite?

I guess what I’m trying to say is it’s going great for us. I’m not hypocrite; it’s working for us, for now. It may not always be practical, but you have to do what’s right for you.

ps if you have any home interior inspo, hit me up cause I love that shit.

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Comments

  1. jennyinneverland says

    November 18, 2018 at 8:21 PM

    I don’t think this makes you a hypocrite at all! Situations change and you need to do what’s best for you at any given time – even if it’s something you don’t 100% like, if it’s the best option, then so be it! I’m glad things are going well though 🙂 xxx

    Reply
    • kaylajxyne says

      November 20, 2018 at 9:41 PM

      Thank you so much Jenny! ♥︎

      Reply
  2. Corinne 🍂 (@WhatCorinneDid) says

    November 18, 2018 at 8:33 PM

    I don’t think you are being a hypocrite. I think you are just pragmatic. I do think rental properties are a bit of a waste because you’ll be paying for something you’ll never have. But at the same time, I can’t afford a down payment for a house right now!

    Reply
    • kaylajxyne says

      November 20, 2018 at 9:42 PM

      It’s such a hard situation to be in, sometimes you have to just put the negative thoughts aside. Thanks for stopping by Corinne x

      Reply
  3. rosiefrecklereads says

    November 18, 2018 at 8:48 PM

    Sounds like you made the right choice to me 🙂

    Reply
    • kaylajxyne says

      November 20, 2018 at 9:42 PM

      Hopefully! We’ll it’s right for now ☺️

      Reply
  4. Eleanor May says

    November 18, 2018 at 8:54 PM

    I don’t think you’re being a hypocrite. Situations change and you really can’t predict the future!

    Reply
    • kaylajxyne says

      November 20, 2018 at 9:42 PM

      Exactly, thanks Eleanor!

      Reply
  5. charliesevern says

    November 18, 2018 at 8:55 PM

    I rent and I completely agree that it’s a waste of money, I honestly may as well take £400 out my purse and chuck it down the drain monthly. Renting makes it harder to save to get on the property ladder and whilst it’s a great short term fix I’m hoping to have my own place some day purely so my money will be going into something i’m building up. I don’t think it makes you a hypocrite at all!, sounds like you made the best choice for you.

    Charlie | http://www.charlieswonderland.co.uk

    Reply
    • kaylajxyne says

      November 20, 2018 at 9:43 PM

      I hate paying rent, but a girls gotta do what a girls gotta do! Thanks Charlie x

      Reply
  6. Claire says

    November 18, 2018 at 9:08 PM

    I don’t think it’s hypocritical! I think it’s making the sensible choice based on your circumstances. I hated renting too, but I couldn’t have lived at home again! It sounds like you’ve thought it all through. Good luck with Nathan’s new business!

    Reply
    • kaylajxyne says

      November 20, 2018 at 9:43 PM

      Thank you Claire, it really means a lot!

      Reply
  7. cockneycountrybumpkin says

    November 18, 2018 at 9:40 PM

    You’re not a hypocrite everybody’s situation is different and changes and at the end of the day a home is a home and the pictures look lovely. Hope you are happy in your new home it’s so hard for first time buyers these days. I am a school teacher but had children and got myself in debt so have a council home but at the end of the day it’s my little house and it’s full of love and that’s all that matters!

    Reply
    • kaylajxyne says

      November 20, 2018 at 9:44 PM

      Thank you lovely. Buying isn’t everything, as long as your happy in your little home!

      Reply
  8. Nancy says

    November 19, 2018 at 5:28 AM

    I agree with you about rentals. Even then, it’s totally okay to still rent – you’re still going to have a place to live in and you might as well make the rental a home sweet home for now :). I love what you’ve done with your place! The string of lights looks super cute.

    Nancy ♥ exquisitely.me

    Reply
  9. Melis Living says

    November 19, 2018 at 9:13 AM

    Aww you aren’t a hypocrite – things change! It always feels annoying spending money on rent but needs must and will all be worth it when you end up in your dream home. Melis

    Reply
    • kaylajxyne says

      November 20, 2018 at 9:46 PM

      Exactly! Thanks Melis ☺️

      Reply
  10. Chloe Elizabeth says

    November 19, 2018 at 7:03 PM

    At the end of the day, you’ve gotta do what is right for you! It sounds like you made the right decision given the circumstances and that doesn’t make you a hypocrite! xx

    https://www.chloexlizabeth.com

    Reply
    • kaylajxyne says

      November 20, 2018 at 9:47 PM

      You took the words right outta my mouth! Thank you Chloe xx

      Reply
  11. jazminheavenblog says

    November 21, 2018 at 8:31 PM

    Ahhh I don’t think you’re a hypocrite at all because sometimes things you don’t like and the best option in a certain situation 🙂 xx

    Reply
  12. sophhearts says

    November 21, 2018 at 8:40 PM

    I really relate to this post. I think renting is such a waste of money but it’s so difficult for people our age to borrow enough money to buy anything decent. I’ve been holding off on renting for a while too, but we’re going to consider it in the new year for more independence.

    Soph – https://sophhearts.com x

    Reply
  13. hellolizziebee says

    November 21, 2018 at 8:51 PM

    Situations change, and just because you had to change your situation doesn’t make you a hypocrite! It’s so hard to get onto the property ladder but all you can do is do your best! I myself hate the idea of living in the rented place but it’s all my other half and I can afford at the moment. Hopefully one day we will both get our dream houses!

    Reply
  14. Jen Dollente says

    November 21, 2018 at 9:42 PM

    It’s really hard to deal with unforeseen circumstances, you just have to do what’s best for the timebeing. I don’t think you’re a hypocrite!

    https://jendbibliophile.wordpress.com

    Reply
  15. glowsteady says

    December 28, 2018 at 11:22 PM

    I don’t think you’re being a hypocrite at all. I totally agree with what you said about paying someone else’s mortgage but situations change. And with someone else living with you, you can continue to save a little extra too. It sounds like a really smart decision to me x

    Sophie
    http://www.glowsteady.co.uk

    Reply
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