My wife is doing my head in , Please Help !!!!

Kenny4315

dorsetjohn wrote: »

She wont let me wear ear plugs

Buy yourself a nice trendy hat .... put in the ear plugs .. put on fashionable hat ... and just periodically nod and say yes dear ..... :money:

.. life's just great ..... :beer:

Alternatively..... boot her into touch and use your half of the dosh to blow on loose and easy ladies, in a variety of horizontal positions .... :beer: :money:

ukmike

Been there, done that, mate,you won't win,men like a house,women want a home.Give in,it's the only way!

Toto

Seriously some of you guys have been well trained by your 'birds'. We make all of the decisions financial and otherwise. We just train you to think you have a choice in the matter.

John, get yourself on rightmove, you can't win.

dorsetjohn_3

Great answers so far guys , thanks !

Edale

I am in a similar position as you having sold our house and now renting. There are other reasons apart from money that are making us do this but looking at it purely financially it is a no brainer for me. The interest from our equity is paying the rent, prices are still falling and I can't see what is going to put a floor under this even taking into account the more positivie mortgage approvals: unemployment and the banks funding constraints will play a much bigger part in ensuring prices do not rise significantly in the near future. I actually believe they will continue to fall and the risk is definitely to the downside.

However there is some value in owning your own home, having the security of knowing you are in control of when you move (save reposession) and being able to alter it/decorate it to how you want it. I have just agreed another 6 month let and our landlord (whom I trust) has said he has no plans to kick us out beyond that. In six months time I will look at our rent versus the cost of funding a purchase (both interest forgone on our equity and mortgage interest), the probability of house prices decreasing versus increasing, the security of our tenancy and how important having our own home is. I also need to take into account how flexible we need to be, which is the main motivator for renting at the moment.

What I am trying to get over is that it is such a unique decision that only you can know and construct the argument to the other half based on your circumstances. I am rambling now having just got in from the pub but a major factor in our rental is that our annual rent is less than 3% of the capital value of our house.

Rick62

The chances are that prices will come down for another year and then be flat for a few years (if it follows the course of previous crashes, the risk being it could be worse this time). If there is a 'special' situation you could maybe find a bargain now, eg auction, probate, repossession etc.

Why not agree that you will start looking now, but only actually buy if you find a really good property, eg perfect for you (i.e. better than what you are renting) and at least a third off peak prices.

Stress to her that you may be looking for a year before any properties even start meeting your criterior. The advantages are that she (and you) can start looking, you might even find the right property, more likely you wont for a year, but then when you do you will know because you will have viewed other properties and meanwhile shes happy, viewing and searching for the perfect property and being listened too.

dorsetjohn_3

Rick62 wrote: »

The chances are that prices will come down for another year and then be flat for a few years (if it follows the course of previous crashes, the risk being it could be worse this time). If there is a 'special' situation you could maybe find a bargain now, eg auction, probate, repossession etc.

Why not agree that you will start looking now, but only actually buy if you find a really good property, eg perfect for you (i.e. better than what you are renting) and at least a third off peak prices.

Stress to her that you may be looking for a year before any properties even start meeting your criterior. The advantages are that she (and you) can start looking, you might even find the right property, more likely you wont for a year, but then when you do you will know because you will have viewed other properties and meanwhile shes happy, viewing and searching for the perfect property and being listened too.

good reply , thanks

Fuchsia_a

I'd just keep talking and relaying news that backs up your opinion. If she grows to understand your argument, even if she doesn't agree with it then maybe she'll be more willing to come to a compromise. If all she's seeing is that prices aren't dropping and properties are selling, then can you really blame her for not believing you?

Perhaps it would help to point out how some areas have started decreasing in price after others? And houses being sold on Rightmove - have they actually been sold, or just been taken down / marked as under offer?

Gangstabird

FungusFighter wrote: »

Look mate, John, whatever, you need to get yourself some cajones :beer:

Your the man, she's the bird, you tell her financial stuff is mann stuff and to get back to her cleaning;)

That should sort it

Good grief, if my hubs had started all of that malarkey, he would have been up for short shrift (whatever that means):rotfl:

bubblesmoney

dorsetjohn wrote: »

Hello everyone

My wife is doing my head in about wanting to buy a house in the near future
We are renting a nice detached house in a nice area with a 1/2 acre back garden

We are living on the Dorset coast , We have £170K in the bank after a recent house sale

Now the problem is that she wants her own home , which I can appreciate that . But when I try to explain to her the benefits of WAITING to buy a house over her need to own right now , it causes an argument with her saying " But house prices arent dropping down here " or " Theres an awful lot of houses being sold on right move "

We are in such a good position , nothing to sell , £170K in bank , but I dont think she trusts my judgement

Could some of you please tell her her Halfwit husband (me) is doing something right for once

Thanks in advance

no one has a crystal ball to tell the future but all make educated guesses.

edited by me to remove personal details. apologies for any inconvenience caused.