1479: Moneybags

Andie and I have bought a house. (Or possibly, “Andie and I are buying a house” — I’m not entirely sure which tense is appropriate at this stage.) Thus far the process has been significantly less stressful than I have been led to believe, but I’m sure there’s still scope for something to go horribly wrong along the way. Until that time, however, I’m going to enjoy what has, so far, been a fairly painless process.

One thing that has struck me during this process, however, is how much your perception of money can change in such a short space of time. Or, indeed, how much the quantities of money you deal with on a regular basis can change in a short period.

When you’re young, getting a couple of quid pocket money is a lot. Getting an expensive present — something that costs £20 or more — is pretty awesome, and getting a really expensive present — a games console, say — is really awesome. At the same time, if you’re not dealing with a lot of money at once, it can be easy to disregard it completely. I recall when I was very young — like, early primary school young — thinking that cashpoint machines simply gave you money if you put in the right number. It didn’t even occur to me that you had to have that money to your name in order to be able to receive it in physical form.

Then you move into your teenage years, and start having a bit more money of your own. It’s still not in huge quantities, though that said there’s plenty of teenagers wandering around sporting the latest iPhones, so modern teens are certainly getting money from somewhere. Some even save up and get their own car, although admittedly said car tends to be a rustbucket monstrosity that will fall apart the second you look at it.

Then on to university, where, in many cases, you’ll have early encounters with both crippling debt and seemingly more money than you know what to do with. You’ll start paying rent, which costs hundreds of pounds a month, and you’ll have expenses to consider. You’ll get thousands of pounds through a student loan, then blow it on booze and whatever else students spend money.

Despite university being a whole bunch of years ago now, I must confess that I still find myself in that mindset sometimes. I feel like I don’t have much money coming in — even though I’m drawing a respectable wage and can live comfortably — and even a hundred pounds feels like a lot of money.

Until now. We’re buying a house, which costs six figures. This involves being saddled with a six-figure debt, and spending five figures up front. The most I’ve ever spent on something in one go up until now was four figures on a computer, so the prospect of spending five figures at once is… well, it’s a little mind-boggling, if I’m honest. I’m not sure the idea has sunk in yet.

Still, at least once all the house stuff is sorted we can hopefully both go back to thinking about much smaller numbers on a regular basis. At least until we decide we want to move and buy another one somewhere else…