Tucked away in the rolling hills of the Derbyshire Dales lies the town of Ashbourne – also known as the ‘gateway to the Peak District’.
23.05.2022 - 16:21 / manchestereveningnews.co.uk
A couple says they have slashed their monthly outgoings in half by swapping their rented Manchester flat for a houseboat. Jack and Gemma Cox, both 29, now live on the waterways between Manchester and the Yorkshire Dales in a two-bed wide beam narrowboat, along with their pet tortoise Teacake.
The couple, who want to be closer to Gemma's family in the dales, decided it was time to start saving for a house. Paying £1,000 for rent and bills, and putting money into a help to buy ISA savings account, the couple realised they were looking at an average house price of £280,000 for a two-bed.
Knowing it would take a long while to achieve their goals, Jack, a secondary school teacher, and paramedic Gemma decided they were going to bin off their ISA and buy a boat instead. In doing so, the couple have managed to cut their outgoings by £500 a month, half of what they were paying before.
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Gemma explained: "We took a loan out to buy the boat, and even still, the boat was way under half the amount of the houses we were looking at. We pay £550 a month paying it [the loan] off each month. That is our only proper outgoing each month, the only other thing is getting the toilets pumped which is £15 once a month too."
Gemma admits that their plan "started off as a bit of a laugh" but it soon became a reality. "We kept thinking about it, and Jack kept saying 'imagine living on that boat'," she said. "When we realised it was only an hour away from us we decided to go and view it. Two weeks later we had put the deposit down on it and were about to move onto it."
She said the couple had to do "a lot of research"
Tucked away in the rolling hills of the Derbyshire Dales lies the town of Ashbourne – also known as the ‘gateway to the Peak District’.
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