Can Edinburgher be debt free and a mortgage holder by 30?

doodledo_2

OMG thats shocking.

But on a lighter note with my police systems available and my limited knowledge of you I could probably now trace you and will be round for "supper" soon :rotfl:

You two ok?

edinburgher

But on a lighter note with my police systems available and my limited knowledge of you I could probably now trace you and will be round for "supper" soon

Indeed, the link will be removed

Not bad, bar this morning's rant.

doodledo_2

Just read your rant.

It's hard isn't, debt busting forces us to become sensible and to be honest a little "boring".

I know there are practicalities but I do think you should follow that dream whilst you and your GF are younger, limited commitments etc.

edinburgher

limited commitments etc.

Ah, but we'd love to have kids, buy a house etc. It's just hard to say - we can't get married, have a honeymoon, buy a house, have kids and me change careers.

Something has to give and it's not nice to have to be the BF who suggests that what may have to give (for the moment) is from her 'to do' list, not mine

doodledo_2

That makes sense and its a tough decision I know. I mean do you really think you couldn't get married, have kids etc whilst following your dream.

Maybe the dream career could come afterwards once your kiddies are a bit older, I mean you are still very young (not jealous).

edinburgher

I mean you are still very young (not jealous).

Apparently six and a bit years is a long time these days, is it?

That's one option, but realistically there's less chance of me changing jobs if I had a couple of kids depending on my wages, right?

doodledo_2

Yeah there may be less chance but no reason why you can't.

Are you plans to marry, kids etc soonish?

hypno06

You can change career whenever you want if you put your mind to it.

I came out of stockbroking at 35.....with a 10 year old and an 12 year old.....I did my retraining after work, in the evenings and weekends, still fitting in full time work in my stockbroking job, and heading to college/uni in the evenings, and somehow still managed to nip home and get dinner on the table for everyone in between!!

It was bloody hard work for a year or so, but we managed.....and remember that at that point my debt was close to £100k on top of my mortgage so I had far more pressure there too!

But I wanted to change career badly, and I wanted to still be a good mum, and to make sure the bills got paid.......so that's exactly what I did!

So, whether you do it now......or in ten years time with a couple of children to your name, it won't be too late!!

Little_Maya

yeah but Hypno, you're superwoman :T:T:T

edinburgher, the question you've got to ask yourself is: do you think you can cope with spending another 10 or 15 years in the same job you're doing at the moment? Might be worth taking a chance now rather than leaving it till later - no point in waiting for the "right" moment, or there'll never be one.

view

You know what? Just stop thinking too much about it and go for it. Do the sums, work it out - can you afford to do it or not? If yes, then saddle up and go for it! Fortune favours the brave (but be sensible!). I struggled with the same sort of thoughts for a few years in my mid 20's too, must be a mid 20 thing, and took the bull by the horns and moved countries by myself. 8 years later sooo glad I made the decision and plunged in. Has been really hard financially and am only now nearly getting to a place I am happy... life, job, house, significant other.

my issue is now that I'm approaching mid 30's starting to feel the same feelings again!!

good luck to you, you can do it, you want to do it so just do it!