I wish it was a few years ago

IveSeenTheLight

mewbie wrote: »

Yes, there were times, Im sure you knew
When I bit off more than I could chew.
But through it all, when there was doubt,
I ate it up and spit it out.
I faced it all and I stood tall;
And did it my way

Chorus: Don't forget the affordability spreadsheet

I'm confused why this is directed to me

Just for you though, here is the HBOS spreadsheet on affordability.
http://www.hbosplc.com/economy/includes/23_10_08affordability.xls

All areas are down in the House Price - Earning Ratio with the exception of Greater London which increased

SingleSue

IveSeenTheLight wrote: »

I don't hope for anything. I live my life to the best of my abilities and make decision on an informed basis.

Everyone who has a mortgage which is not fixed 'hopes' that mortgage rates dont go up

Everyone who is in a job 'hopes' they don't lose it

Everyone who is healthy 'hopes' they remain healthy.

Don't live your life by what if, live your life making decisions about facts that you know at the time, be flexible and prepared to adjust when the information changes

I think that is where I am going wrong!

My continual hope is that I can find a job which fits in with the care needs of my disabled children (which have just increased :mad: )

I always hope that something better is around the corner

I always plan with one eye on the future rather than the here and now

I live in the past when things were more brighter, we could afford luxuries and when I had a good job - which only makes me bitter.

But

I also temper that with an insane sense of humour which gets me through the dark days and it is impossible to keep me down for long...I get down and then I kick myself back up again in a matter of hours.

I am inventive in making do with what we have and giving my children a fun childhood at low cost and seemingly putting together dinners out of bits and pieces.

Pobby

Yes it`s easy to look back with hind site and it can be very depressing.I guess most of us would have done something different. The one thing is for me is that I have done all sorts of things and on company money have traveled to a number of countries amd met may people.

I look at life as a road and from time to time the road forks and you take the turning which at the time seems to be the best route.

For us our first home was bought in the mid 70`s. We had absolutely no idea about properties going up and down. It was affordable and that`s what counted. Inflation, promotion ensued so 3 years later we bought upward, a £60 a month mortgage became £140 a month. However it was again affordable.

I escaped the 70`s and 80`s recession so did my working wife. I opened a business in 1988 and apart from the loans going through the roof, we still did OK.

Now with only a few years left to retirement I hope I will be OK work wise. Having no debt and no mortgage is a real boon. Although my wife is in an essential yet lowly paid job it is a least safe and would keep us ticking over. If push came to shove, I also would work for very little. Maybe that is brought about from having such a varied working life.

fatpig_2

redrabbit29 wrote: »

I was watching one of the many property programmes which plague our tv sets every day, and it was going through a bunch of properties which were between about £45'000 and £65'000. These were nice terrace/semi's which were in decent order.





I realise this is an entirely pointless thread, but still it's late and I can't sleep and I was watching Property Ladder and wanted to vent a bit.

Yes those were the days. Kirsty was good looking and Phil still had some hair.

neverdespairgirl

SingleSue wrote: »

My continual hope is that I can find a job which fits in with the care needs of my disabled children (which have just increased :mad: )

I'm sorry to hear that - it is a temporary extra illness?

SingleSue

Unfortunately not....it was an illness which was relatively minor which has become a lot worse.

He has always been asthmatic, ever since he was a baby but it was pretty mild especially as he got older but over the last few months, he has gradually got a lot worse, culminating in a emergency admission via an ambulance the Sunday before last. Whilst there, his oxygen levels etc were so poor that there was fear for his life and he had to be on constant oxygen for 3 days....I have since been told that he has had a very lucky escape indeed but that now he is a severe asthmatic with all that entails.

Poor sod (not sure if that word is allowed or not!) he is the one who gets everything! He is the complex autistic with a myriad of food allergies and food intolerances, bowel disorder, hypermobile joints and now severe asthma!

Cat695

Sir_Humphrey wrote: »

I agree that it is a perfectly okay area, but it is not the most prosperous after the end of coal mining, and I was surprised a bungalow would be worth that much.

£250k is a lot of money.

Heres the first one I came to in ravenshead....my uncles is bigger however doesn't have the double garage

http://www.rightmove.co.uk/viewdetails-18868336.rsp?pa_n=1&tr_t=buy&mam_disp=true

Though his Decor is about the same....very outdated :-)

IveSeenTheLight

SingleSue wrote: »

Unfortunately not....it was an illness which was relatively minor which has become a lot worse.

He has always been asthmatic, ever since he was a baby but it was pretty mild especially as he got older but over the last few months, he has gradually got a lot worse, culminating in a emergency admission via an ambulance the Sunday before last. Whilst there, his oxygen levels etc were so poor that there was fear for his life and he had to be on constant oxygen for 3 days....I have since been told that he has had a very lucky escape indeed but that now he is a severe asthmatic with all that entails.

Poor sod (not sure if that word is allowed or not!) he is the one who gets everything! He is the complex autistic with a myriad of food allergies and food intolerances, bowel disorder, hypermobile joints and now severe asthma!

How old is he?
The reason I ask was that I am asthmatic, was okay up to 7, was at its worst between 7 and 14 and now only have a very mild, accoasional asthma signs.
I was told at the time that the body goes through major changes roughly every 7 years until you are 21 and some asthmatis can greatly improve and I guess could deteriorate during these changes.

I certainly hope he can improve

SingleSue

He is 10 and a half.

He had bronchiolitis as a tiny baby and was originally quite bad but improved over recent years, only to get bad again in the last few months...so yes I think there is some truth in the 7 year cycle.

I also have asthma, developed it when I was 18 and was eekky for a while but then improved until I was 24/25 when I went really downhill ending up with pnuemonia...it has now improved again to the point where it is negligable unless someone sprays perfume near me!

Sir_Humphrey

Cat695 wrote: »

Heres the first one I came to in ravenshead....my uncles is bigger however doesn't have the double garage

http://www.rightmove.co.uk/viewdetails-18868336.rsp?pa_n=1&tr_t=buy&mam_disp=true

Though his Decor is about the same....very outdated :-)

What I notice looking through the listings is that hardly anything has actually sold there.

Why buy that bungalow when this is on for £260k

http://www.rightmove.co.uk/viewdetails-23366333.rsp?pa_n=5&tr_t=buy&mam_disp=true

The only place listed under offer in the rough 275-300k price range is this big detached place:

http://www.rightmove.co.uk/viewdetails-17127617.rsp?pa_n=3&tr_t=buy&mam_disp=true

Some realism is needed perhaps.

And why is the worth of a place tied up in the price of their houses anyway?!? If prices were cut by 30%, would that make it a worse place?