Do both! Take a smaller/cheaper holiday now with some of his long service and put the rest towards your deposit ( go to the USA or Asia , closer and cheap !) , that way you both get a good holiday before you commit to the mortgage and then save up for a bigger trip later
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02-03-2014 18:42 #11
02-03-2014 18:46 #12
02-03-2014 18:47 #13
02-03-2014 18:51 #14
I would definitely travel first! That's what we did and I'm so glad. My DH had never travelled outside of Australia and we did a few big trips before building our house. Overseas travel doesn't have to be expensive - do plenty of research and compare what discounts a travel agent can get you and what you can dyi online.
If you can, keep some savings aside to build on when you get back as a deposit.
I love the fact we have our own home now, but with a new mortgage and bub on the way I'm actually a little devastated that travelling has to take a back seat for a little while. You can absolutely do both, but as previous posters have said, it can be more difficult to save for travelling and pay off a mortgage than indulge in a great trip and focus on the house deposit when you get back.
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02-03-2014 18:59 #15
It really depends on what you want to do. I wanted to set myself up so I could have my family young, so rather than travel DH and I bought a house (I was 21), and now with 2 kids and building our "forever" home at 29 we are miles ahead of my friends that travelled - when I say travelled I mean went away for months at a time. They are only just trying to get their first homes now, and are trying to work out when they can start their families. However in saying that they are happy they travelled because they didn't want to have a young family like I did. And likewise, I'm happy with my decision. I'm not in any rush to travel and I'm happy to do it a little later on. Really it's just what you prefer. I'm sure there is a way you could compromise and do both, that would be best!
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02-03-2014 19:12 #16Senior Member
- Join Date
- Aug 2009
You don't know what will happen...travel is an amazing experience and to me is priceless.
02-03-2014 19:32 #17
Travel. Hands down travel. There is no competition in my mind.
I spent a lot of time travelling pre kids and own my own house now. I was still able to buy in my 20s without too much of a hassle. Travelling provides invaluable life experience that I doubt you will ever regret.
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02-03-2014 19:42 #18
I'd travel for a little while but make sure it doesn't eat into my savings too much. Then come back and save some more then buy
02-03-2014 19:54 #19
I say travel. Its much harder to save once the mortgage comes along. I went house first when I was younger and regreted it x
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02-03-2014 20:03 #20
We have 2 kids, a nearly 2yo and I have a 5yo from a previous relationship (which my partner and I just consider 'ours'). We have family who would more than happily take the kids for a couple of weeks.
We already have a considerable deposit for a house. I'm not yet qualified (studying currently) and wont be for about a year, so until then (plus however long it takes to find a job in-field, plus at least 6 months to show job security) we wouldn't be buying anyway. I'd love to own a home, but we spoke with banks recently who all said I'd need to have a higher income first.
I think I'm really leaning towards travel... But perhaps I'm typing with my itchy feet??
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