Nick
Administrator
Should have seen some of the houses I looked at.
I was looking at houses like this:
http://www.rightmove.co.uk/property-for-sale/property-60546733.html
Only a nutter'd live in Newport
A family member gave it a go and was back within 2 months.Only a nutter'd live in Newport
Looks quality, I like the metal window effect - always fun to think you're living in an ex crack den.Should have seen some of the houses I looked at.
I was looking at houses like this:
http://www.rightmove.co.uk/property-for-sale/property-60546733.html
That's like the difference between Warwick uni and the Ricoh just to get into the centre. Public transport is awful in Bristol so would mean driving everywhere too which would put costs up. It's stills something I'd consider if I could get deposits up though. Like I mentioned previously I have fairly heavy debts that I needed to take on to qualify myself to the level I'm at and the living cost is high around here (what ever I said £38k in rent in the last few years alone - that being on the lower end of the spectrum).
I should do the decent thing and give up on CCFC but then what do you have to look forward to/ruin your weekend.
Things might be bad but surely we haven't reached the point of forcing people to live in Leicester.If £150k is a struggle you get somewhere not so nice for £100k
I can'tWhat can you do? My wife builds submarines :smuggrin:
Luxury compared to Newport!Should have seen some of the houses I looked at.
I was looking at houses like this:
http://www.rightmove.co.uk/property-for-sale/property-60546733.html
My other half is Cornish and we'd both love to be down there but the work is non existent. This is 5 minutes walk from her parent's place.Here is one of our views. It is the Isle of Man you can see in the distance.
http://www.skybluestalk.co.uk/attac...8/?temp_hash=59af8b9479acb642a2a72078f389ddbe
I had lots of kids and got married. Watching us is just the icing on the cake :smuggrin:I should do the decent thing and give up on CCFC but then what do you have to look forward to/ruin your weekend.
Warwick Uni to the Ricoh really isn't a long drive and if an economical car it's really not that much.
I drive further every day, the wife drives at least double that.
Looks quality, I like the metal window effect - always fun to think you're living in an ex crack den.
I have a brother in Crantock. Lovely place. Turn right on the beach and you are in Newquay. Love taking my motorhome down there.My other half is Cornish and we'd both love to be down there but the work is non existent. This is 5 minutes walk from her parent's place.
View attachment 7859
I'd like to take an old transit or royal mail van and turn it into a motor home.I have a brother in Crantock. Lovely place. Turn right on the beach and you are in Newquay. Love taking my motorhome down there.
I have never bought a house already done. I always buy one needing everything doing and do it all myself. The wife hated it until she saw that she ended up with exactly what she wanted. And you also add on average about 20% to the value. If you buy one already done up you still change a lot of it and paid top price for it.Think you have just summed up my expectancy point perfectly
One of my mates was the same, his mortgage is triple mine because he wanted to live on a nice road in a house that was already done. I just took the hit and bought a shitheap and grafted. Had no kitchen for 3 months and lived off microwave and did the washing up in the bath. Had no bathroom for the first month so had to blast somewhere else for a shit if working on the house to make it liveable.
Obviously I'd have prefered a nice house, nice cul de sac, ready to move in with my feet up but wasn't viable when I moved out with my budget.
I have never bought a house already done. I always buy one needing everything doing and do it all myself. The wife hated it until she saw that she ended up with exactly what she wanted. And you also add on average about 20% to the value. If you buy one already done up you still change a lot of it and paid top price for it.
Should have seen some of the houses I looked at.
I was looking at houses like this:
http://www.rightmove.co.uk/property-for-sale/property-60546733.html
Sent you a PM. See what you think.I'd like to take an old transit or royal mail van and turn it into a motor home.
My first house wasn't as grand as that......I bought a large victorian terraced house in the 90's in a street which had 4 houses tinned up.....on the borders of toxteth....
I had bars on the inside of all my downstairs windows. Moved in with a portable telly, a single mattress, an old office chair & a kettle....
I did it up over time & lived in it for 9 years until I cleared the mortgage......still own it now & its got some lovely students living in it.
Which is the point of this thread.That's the thing, a bit of a struggle at the start seems to make it worthwhile. My parents lived on some right rough old streets and then gradually got nicer and nicer houses over time and ended up in a nice street. It's not as simple as just strolling into a perfect first house surely? (unless you are minted).
Which is the point of this thread.
Many seem to think that the older generations had it easy. But back then you didn't have credit. You did without until you could afford it. These days it is accepted that you buy something and then spend years paying for it. This reduces your spending power. So you then buy more on credit. Nothing but a vicious circle.
I don't mean don't use credit. Just don't when you don't need to. My newest motor is 12 years old. Just flew through it's MOT. I don't need a motor with a 17 plate on it. You can't see it when you are driving it. If I bought my motors that I have when they were new they would have cost me over 100k. Somewhere close to 120k thinking about it. But I paid just over 9k as they were older. Not a bad saving. Someone somewhere has lost a bit of money for my benefit. And because they were so cheap I paid cash.Don't get me wrong I've used credit too when it has been easier on cashflow and cars but do have mates who are up to their eyeballs with the mortgage, brand new car, live in their overdraft and have nights out purely on credit cards. The thought to them of driving a 10 year old Laguna like I had or a 1.3 Fiesta would probably make them have nightmares.
It's all too easy now with how easy it is to spend on cards rather than cash as well, contactless etc.
I don't mean don't use credit. Just don't when you don't need to. My newest motor is 12 years old. Just flew through it's MOT. I don't need a motor with a 17 plate on it. You can't see it when you are driving it. If I bought my motors that I have when they were new they would have cost me over 100k. Somewhere close to 120k thinking about it. But I paid just over 9k as they were older. Not a bad saving. Someone somewhere has lost a bit of money for my benefit. And because they were so cheap I paid cash.
Saying that I am about to upgrade our motorhome. Will be looking at 7 to 10 years old. I will save 40 to 50k on new price. We will keep it until I retire. We will lose about 10k in this time. But will save a fortune as she will be frequently touring Europe giving us cheap holidays.
Should have seen some of the houses I looked at.
I was looking at houses like this:
http://www.rightmove.co.uk/property-for-sale/property-60546733.html
I do think it's important to distinguish those who do daft things like buy new cars for the sake of it, and those who genuinely struggle, however.Which is the point of this thread.
Many seem to think that the older generations had it easy. But back then you didn't have credit. You did without until you could afford it. These days it is accepted that you buy something and then spend years paying for it. This reduces your spending power. So you then buy more on credit. Nothing but a vicious circle.
Neither could she :smuggrin:I can't
I do think it's important to distinguish those who do daft things like buy new cars for the sake of it, and those who genuinely struggle, however.
And of course many struggled in the good old days too, that's why we ended up with a welfare state and the like.
The thing is that lots of the older generations struggled through life. Now retired they can't even afford heating or to eat properly. But the focus is mainly put on those who have done well in life. Then you get stupid comments blaming those for the youth of today struggling.I do think it's important to distinguish those who do daft things like buy new cars for the sake of it, and those who genuinely struggle, however.
And of course many struggled in the good old days too, that's why we ended up with a welfare state and the like.
Been there done that. The last time it happened I worked 200 miles away from my family. Had to do it for 18 months.Agree, of course there will be people who really do struggle to get by. Also people unlucky if they get made redundant or get ill and everything falls apart.
Yes some people are stupid with credit and only have themselves to blame but the simple fact is that it's becoming more expensive to own a home.
Year - Average Wage - Average House Price - House Price as Multiple of Wage
1980 - £6,000 - £22,677 - 3.8
1990 - £13,364 - £59,587 - 4.5
2017 - £27,000 - £234,794 - 8.7
This doesn't factor in that the cost of living is much higher due to things like gas, electricity, transport having above inflation rises in cost.
...or have to spend everything on nursing careThe thing is that lots of the older generations struggled through life. Now retired they can't even afford heating or to eat properly. But the focus is mainly put on those who have done well in life. Then you get stupid comments blaming those for the youth of today struggling.
I have done OK in life. But it was a struggle to get here and sacrifices were made that most wouldn't take. And I am yet to get any real benefit from it.
Knowing my luck I will have spent a lifetime saving for my retirement and will drop dead before realising my dreams. Such is life.
Whats the average wage if you take out LondonWhat's the average house price figure if you take out London?
Yes some people are stupid with credit and only have themselves to blame but the simple fact is that it's becoming more expensive to own a home.
Year - Average Wage - Average House Price - House Price as Multiple of Wage
1980 - £6,000 - £22,677 - 3.8
1990 - £13,364 - £59,587 - 4.5
2017 - £27,000 - £234,794 - 8.7
This doesn't factor in that the cost of living is much higher due to things like gas, electricity, transport having above inflation rises in cost.
Them house prices include London and down south. 234k here gets you a cracking house. 100k gets you a decent 3 bed house. If you go a 10 minute drive from me and onto the mainland you can get change from 50k. It is possible to get a 6 bed house for about 120k. Or you can drive up the road and pay 350k for smaller.Yes some people are stupid with credit and only have themselves to blame but the simple fact is that it's becoming more expensive to own a home.
Year - Average Wage - Average House Price - House Price as Multiple of Wage
1980 - £6,000 - £22,677 - 3.8
1990 - £13,364 - £59,587 - 4.5
2017 - £27,000 - £234,794 - 8.7
This doesn't factor in that the cost of living is much higher due to things like gas, electricity, transport having above inflation rises in cost.
How much does the average woman do your head in?Whats the average wage if you take out London
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