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On a scale of 1-10 how obsessed are you...?

It was all I could think about, dream about & talk about some 25 years ago - god I must of bored everyone!

But buying my first place was just something I HAD to do.

And buy it I did, a gorgeous maisonette converted within an old water mill, it was £45k back in 1997.

I had every issue of House Beautiful, 25 Beautiful Homes & Country Homes & Interiors (Pinterest hadn't been invented then) 

I have bought 3 properties on my own having lived alone 90% of my adult life.

The picture above is my old farmer's cottage home N° 2.

Home N° 3 is my current home, in the Kent countryside again but a new build this time. 

My fiancé (that's the first time I've written that) Justin and I have recently bought a house in France - whaaaaaat?

Long story short, he moved in with me after 7 years of being together & instead of us buying a bigger nicer house & have a mortgage for another 20 years we said sod it let's be mortgage free in France! 

Life has a funny way of taking us on a journey hasn't it? Gotta love a good plan but also you have to grab some adventures - I believe they're all meant for you anyway you just don't know it yet. 

Oh and a funny story... Justin was the architect on that first flat I bought, I just didn't know it or him for another 15 years!

I want our home to be a place where we can be our bravest selves & our most fearful selves.
- Brené Brown

Budgeting for 1stTime Home Buyers Printable Kit

🪴 30 pages of seriously fabulous content that takes you on a journey to understand how to buy a property in the UK

🪴 Moving day countdowns with things to remember

🪴 New home checklists for things to buy or be gifted

🪴 Lead times so you know what order to do things in - always go with your solicitor & mortgage broker's actual timelines this is just a good guide 

🪴 Teaches you the enormous benefits to cashflow budgeting & how it can be a game changer as you'll have maximum visibility to what's going on & feel in control. Great life skill!

🪴 Lovely gift for your grown up kids who are looking at embarking on their next chapters. 

It's the kind of book I wish I had when I muddled my way through the stressful experience!

This includes your budgeting paper based planner. 

If you want the spreadsheet version it's below:


Budgeting and Planning is a Registered Member of the GDPR Check & Verify Register. 

1st Time Home Buyers Digital Toolkit

🪴 Spreadsheets are worth their weight in gold -WHEN they're simple to use AND they produce the results you want simply by typing in your basic numbers. 

Designed in Google Sheets so it's suitable for everyone.

🪴These can be customized to terminology that suits you - this won't interfere with the formulas. 

🪴I hate the intensity of numbers everywhere on a spreadsheet,  I can't see for looking after a few minutes are you the same? 

This is why I made this as easy as possible whilst giving you the powerful yearly view.

Just fill in the blanks.

Useful Tips & Extra Resources


Blogs &
a BBC Radio Interview


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Solar Panel

Solar Panels

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Free Checklist for all 1st time Homebuyers

Really helpful one page checklist

Let's stay in touch!

Love from
Lucy x
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