Originally Posted by
wileeeeeey
I've heard and said the same thing many times, but usually when it comes to property/mortgages. Too often we can't see beyond the end of our nose and get held up on the price rather than the enjoyment or how meaningless that £300 is going to seem just one price rise later.
I remember ceramic Daytonas going for £14k very early on and people on here wondering "who's paying that?" and "a fool and his money" etc. £14k for a Daytona now is dreaming. Those who bought then have had, enjoyed, and even profited from their "overpaying".
OP, If you can afford the £300 and it won't cause you issues/hardship/a genuine domestic get it done and just enjoy it. Cut out the coffees from Pret, bring packed lunch to work, calm down at pub a bit. You can even tell your wife you've saved £200pm on travel since lockdown but do have a better answer ready than I did when she asks you where that £1,200 is now. Don't show her your wrist, you'll get same slap I did.
If you want a hollow victory wait for a price rise and then get 10% off. It'll be the same price or more than the current RRP but at least you'll be able to say you got discount if that's your thing.