Congrats on having put aside your 30% down payment. I understand where you are coming from since you are not having luck at the moment in finding a home and with time trickling by you're now finding yourself often thinking about this money burning a hole in your pocket. The thing is, rates are so low right now you would be lucky to get 0.2% in a high-interest bank account, so it is not really worth the effort to open one up. Resist any temptation whatsoever in putting this money in a stock market investment because you run the risk of losing some of its value right at the moment when you need it.
I would suggest leaving your money in what I assume is in liquid form and avoid looking at it too much. You have mentally tagged this sum for an important purchase so all you need to do is be patient and keep looking for your potential new home, even if it takes longer than you originally had anticipated. Good luck!
Great post. Thanks so much for sharing your knowledge! It's great to see that some people still put in the effort to manage their websites. I'll definitely be doing a reality check soon. Little Alchemy
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