Younger People (18-25) - Attitudes to money

jamtart6

i live in a nice area for where I live but oop north so much cheaper than london we both have good salaries now but when we were saving for our deposit we didnt. our sacrifice was living at home whilst saving, instead of renting and trying to save like some of our other friends. house also needs completely modernising but thats what we wanted to do so the ££ for modernising wasnt on the mortgage

chicflix

amcluesent wrote: »

The worlds going to hell. Post peak oil, post peak water, climate instability, risk of global pandemics, global food shortages, nuclear armed islamics.

As fas as I am aware, the only nuclear armed people out there are jews and christians. Funnily enough, it was the christians that were the first to subject innocent civilians to it, twice.

janey_uk

Castleman wrote: »

Wow, these people with more than 20% deposits, buying before they were 26! And still being decent x salary!

Either, you have a very high salary, or you're buyng somewhere cheap in the country?

Quite a difference between buying a 2bed flat in most of london aged 25 say, and buying a 2bed flat in doncaster!

Indeed. We bought in London in our early 20's on one of these 'irresponsible' 100% mortgages paying about 40% of our salaries each month to cover it.

Five years later we have both moved up the career ladder, the house has increased in value and we're now under 70% LTV and spending less than 25% of income on mortgage. Good move on behalf of the mortgage company, and the right thing for us. Could easily have been a different story if we had been irresponsible borrowers and lived the high life that we couldn't afford; no doubt we'd also be chiming in about how evil and reckless the bank were had we run into difficulty. Swings and roundabouts as far as I'm concerned.

Cleaver

amcluesent wrote: »

The worlds going to hell. Post peak oil, post peak water, climate instability, risk of global pandemics, global food shortages, nuclear armed islamics.

Reversion to the mean? We could all end of living in hedges and eating grubs as that was the norm of peasants throughout the Dark Ages. NB please see my other thread about cancelling Xmas.

I'd be enjoying whatever time is left and spend, spend, spend!

On the plus side I've just had a delicious homemade toad in the hole with roasted onion and garlic gravy.

neverdespairgirl

chicflix wrote: »

As fas as I am aware, the only nuclear armed people out there are jews and christians. Funnily enough, it was the christians that were the first to subject innocent civilians to it, twice.

Pakistan? India? China?

SingleSue

Cleaver wrote: »

On the plus side I've just had a delicious homemade toad in the hole with roasted onion and garlic gravy.

Could have sent some over here....I am rather partial to home made toad in the hole and the gravy sounds yummy!

Fancy not sharing

Cleaver

SingleSue wrote: »

Could have sent some over here....I am rather partial to home made toad in the hole and the gravy sounds yummy!

Fancy not sharing

Even though Mrs Cleaver (I believe that is the normal nomenclature earound these parts) had had her dinner, I was still nice enough to cut off 1/4 of said 'hole and give away one of my sausages (no giggling at the back).

Top tips from Cleaver on a good Toad in the Hole:

1) Make your batter in advance
2) Don't use crap sausages
3) Get your oil smoking hot when you add your batter
4) Add some chopped up rosemary with the batter
5) Roast the chopped up onion and garlic for the gravy in the oven during the cooking
6) Don't talk about one's self in third person

SingleSue

Lol

My boys love my home made toad in the hole...I just don't make it very often, I usually do an onion gravy with nice big chunks of onion (which the boys then tell me off for).

I would agree with the tips too....I do exactly the same (except I don't talk about myself in the third person).

Oh to have someone to cook for me again, it would be nice to have a night off.....

edinburgher

SingleSue wrote: »

I usually do an onion gravy with nice big chunks of onion (which the boys then tell me off for).

But the chunks are the best part! Having a night off from cooking is fairly common in our house - as I normally insist upon cooking. I think my gf likes having a cooking mad man

Generali

Cleaver wrote: »

Even though Mrs Cleaver (I believe that is the normal nomenclature earound these parts) had had her dinner, I was still nice enough to cut off 1/4 of said 'hole and give away one of my sausages (no giggling at the back).

Top tips from Cleaver on a good Toad in the Hole:

1) Make your batter in advance
2) Don't use crap sausages
3) Get your oil smoking hot when you add your batter
4) Add some chopped up rosemary with the batter
5) Roast the chopped up onion and garlic for the gravy in the oven during the cooking
6) Don't talk about one's self in third person

3)a) use dripping not oil. It's burning temperature is higher.