£15/hour

[swinny]

One other thing is you have to set a good example for your kids too.... I'd rather be remembered as a hard worker that provided for his family than owt else.

 

For me If i dont try hard now I would feel I failed my family.

Edited October 3, 2021 by swinny

[muttley9050]

One other thing is you have to set a good example for your kids too.... I'd rather be remembered as a hard worker that provided for his family than owt else.

 

For me If i dont try hard now I would feel I failed my family.

know too many fathers that barely see their kids cos they are trying hard. My dad was one of them.

Got to be a balance.

 

[swinny]

Just now, muttley9050 said:

No too many fathers that barely see their kids cos they are trying hard. My dad was one of them.
Got to be a balance.

Correct, I am guilty of this at times I must admit. I do try more now and have time off for school holidays which Im happy with myself for. 

 

Hard to get it right but your correct. Have to find the balance I agree

[spuddog0507]

19 minutes ago, muttley9050 said:

You come across now as having a small chip.
Agree with some of what you said. Wouldn't get a single garage for 100k round here though.

No small chip sorry, but Bucks is worlds apart from west Yorkshire, i am not in west yorks and  i thought there was nothing cheap around me that first time buyers could afford but i was wrong on that one, 2 bed flats on a estate just round corner from me over looking a field, river and a golf course for 120k,

[muttley9050]

No small chip sorry, but Bucks is worlds apart from west Yorkshire, i am not in west yorks and  i thought there was nothing cheap around me that first time buyers could afford but i was wrong on that one, 2 bed flats on a estate just round corner from me over looking a field, river and a golf course for 120k,

Can get a one bed flat in milton keynes for about 100k I think. Personally I wouldn't live in one if they were giving them away but hey ho.

[carlos]

On 02/10/2021 at 21:48, Mark Bolam said:

I do feel sorry for the first timers though.

 

Young couple - ‘Can we have a mortgage?’.

 

Bank - ‘No, you can’t afford £500/ month’.

 

Young couple - ‘We are paying £1000/month rent now, we can afford £500/month mortgage’.

 

Bank - ‘Well how come you can’t raise a 15% deposit then?’.

 

Young couple - ‘Because we are paying £1000/month rent).

 

Not an easy problem to fix.

 

hit the nail on the head there id say

[trigger_andy]

You come across now as having a small chip.
Agree with some of what you said. Wouldn't get a single garage for 100k round here though.

Don’t live round your way if you want to get a foot hold on the ladder then? 🤷‍♂️

If someone in your neck of the woods wants to get in then they need to move away, buy a £100,000 fixer-upper, do it up and flip it. Rinse and repeat. If they’re still desperate to move back they’ll be in a position to eventually.

[trigger_andy]

The absolute minimum you can buy a reasonable family house here is about £500k. By reasonable, I mean 4 beds (so as to have a spare for visiting family - important when they aren't just around the corner) and about 130 square metres on a plot that isn't a postage stamp. It's genuinely out of reach of us, and so many others.

Define “here”. I assume you mean around your way and not the U.K. as a whole?

[trigger_andy]

I love how all the home owners are preaching how clever they were to buy a house decades ago for pennies.
Congratulations.
Now **************** off, because there are millions of us who will never afford to own a home.
Millions on minimum wage or low paid jobs.
It’s not having the balls to buy somewhere…
Every single person of my generation I know got the deposit off there family.
You can’t work pay rent and save 20-50k…
This world is deeply ****************ed.

I find this a bit insulting Saul.

You’re 3 years older than me and I was offered a 30 year mortgage, so your age is not an issue.

I picked Berries, Daffies, Bulbs and Tatties as a kid because we where flat broke. I’ve never had a penny given to me. I stared out on £40 a week and I had to pay £20 of that in rent to my mum.

After my first apprenticeship I had to start a second as there was no jobs as a mechanic.

I’ve worked my arse off my whole life to afford anything and have had zero help. To be able to afford a house again after losing everything in the last crash I’ve had to make a lot of personal sacrifices.

[spuddog0507]

8 minutes ago, Big J said:

The absolute minimum you can buy a reasonable family house here is about £500k. By reasonable, I mean 4 beds (so as to have a spare for visiting family - important when they aren't just around the corner) and about 130 square metres on a plot that isn't a postage stamp. It's genuinely out of reach of us, and so many others.

Where is here Devon ? there seem to be a lot of negative comments and thoughts on this, you moved from north of the border to Devon and i would say there is a big jump in house costs between the 2 locations, a  4/5 bed detached house with double integral garage around me would be around 380-400k but that is hardly a first time buyers property that is some thing you buy 15-20 yrs after getting on the ladder, you chose to make the move to Devon and i now taking it that you are saying you cant afford a house there as you say you are on the move again, so i have to ask why did you move there and not some where inbetween where you may be of been able to buy your own place ?,