Can You Save £57 A Day, 7 days A Week???

ess0two

Demanufacture wrote: »

You know, I'd tend to agree but my mate took me over the unholy track at the weekend that would have surely demolished an Halfords Special within a few hundred yards, so in actual fact I've saved, by the way I won't tell you how big my plasma is for fear of ridicule.:D

Plasma, pick a 50" up for £700 tops,John Lewis doing some good deals with 5yr guarantee thrown in.

IveSeenTheLight

fc123 wrote: »

I was hoping HMct Would contribute to the Harris Tweed thread...seeing as it's his neck of the woods....and pretty immune from recession etc.

Mind you HT price is only going down.....

If by neck of the woods you mean a 1 hours airplane flight (can get to London in about the same time ) or a 7 hour car drive and a 50 mile ferry trip, then I guess HMcT might know something about it :rolleyes:

Maybe we should call you French cause it's in your neck of the woods. Is that what the fc stands for French Cxxx 123?

new_home_owner_3

Demanufacture wrote: »

You know, I'd tend to agree but my mate took me over the unholy track at the weekend that would have surely demolished an Halfords Special within a few hundred yards, so in actual fact I've saved, by the way I won't tell you how big my plasma is for fear of ridicule.:D

I know you have saved 9200 this year, out if interest how much rent do you pay??

Or do you live with mommy and daddy?

By me i could rent a house thats just decent and it would cost me 750 pound a month if your in the same boat youve sepnt 7500 pound in those 10 months from january, which could have come off a house, if you would had bought one in january.

So if you are renting you have saved 9200 and spent 7500 on rent making a saving of 1700 pound and you are nearly 12 months on from getting on the house ladder.

Thats the way i see it,obviously if your living rent free with mommy and daddy you will be okay, and the things i put above will not count for your situation .

good luck

fc123

IveSeenTheLight wrote: »

If by neck of the woods you mean a 1 hours airplane flight (can get to London in about the same time ) or a 7 hour car drive and a 50 mile ferry trip, then I guess HMcT might know something about it :rolleyes:

Maybe we should call you French cause it's in your neck of the woods. Is that what the fc stands for French Cxxx 123?

Well Scotland is Scotland even though it's a big place.
What happens in one part is important to another part even if it's far away? Or are Islander industries/jobs etc different to mainland concerns?

France and London are different countries though similar distance apart.

I hope the fc thingy wasn't being mean? I can't guess it except for the really horrid C word.;)
The Isles looked like a nice place too.

skap7309

Looking at the wider picture here Hamish.....

Going by LOCAL LAND REGISTRY (cant get more accurate than that) prices peaked in Nov 07 roughly when i decided i wanted to buy a house. They have fallen £33,086 since then taking us up to Aug 09. In the same span you quote i only get a tiny rise of £4621 from absolute trough (May 09) to the present day. Things have slowed yet again so i am sure this will be wiped out before Christmas.

In that time i have saved over £52,000 as a deposit, so....................

£52673 + £33086 = £85759 towards a house.


Shame so many gamblers waiting for further falls have missed out on so much though....Ermm, well no not really then........

Once again your sensational thread has yet another massive selection of holes in it.

IveSeenTheLight

fc123 wrote: »

Well Scotland is Scotland even though it's a big place.
What happens in one part is important to another part even if it's far away? Or are Islander industries/jobs etc different to mainland concerns?

France and London are different countries though similar distance apart.

I hope the fc thingy wasn't being mean? I can't guess it except for the really horrid C word.;)
The Isles looked like a nice place too.

I used French as it worked in with your initials, I could have said you were Welsh (still part of the UK), maybe that would have offended more (offence only meant in jest).

The FC thing was meant in jest, trying to highlight the (sorry to be blunt) ignorance of saying because someone is from Scotland, they must have an inept knowledge of all things Scottish.
As strange as it may sound, I am also from Aberdeen yet I don't believe I know Hamish :eek:

As for the the C word, I left it up to you to decide. It could have been citizen, colleague, cockerel (as in the French emblemetc etc etc). If you could only think of a horrid C word then maybe that is a reflection on you

It's a strange thing about areas and coming together in a joint unity.
You believe that what happens in one part is important to another.
I could reference that Tottenham and Aresenal fans are rivals although only a few miles apart, yet when England play Argentina, they unite in a comman goal.

As for islander industries / jobs etc being different to mainland ones, well yes they are. While I would show simpathy to jobs being lost i.e. mainland Diageo jobs in Ayrshire (Johnnie Walker Whisky), they have absolutely no impact on me, thus I have no real concern for them.
Probably similar to your concerns for any of the car manufacturers losing their jobs (assuming you are not in the car industry)

The isles would be a lovely place to visit, it's a real shame that I have not done so even with it being on my old doorstep .
I really must make a note to take a trip sometime.

HAMISH_MCTAVISH

skap7309 wrote: »

Looking at the wider picture here Hamish.....

No, what you're doing is looking at the narrower picture......

You are trying to disprove a national average price rise measured in close to real time through indices such as Nationwide, by focusing in on a small local area using an index that lags by 3 months plus such as LR.

Which just isn't going to work.

We know what the national average price is doing. Up 12.5K since february. Obviously, some areas will have smaller rises, such as your own with just 4K or so. But for every area like that, there will be another one with rises of 20K or so.

An anecdotal tale of someones local area is nice and all, but it doesn't change the national average house price facts.

Really2

geoffky wrote: »

enjoy.....because whats down the road???

From work, a small green telephone exchange.

From home, a bridal path.

IveSeenTheLight

HAMISH_MCTAVISH wrote: »

No, what you're doing is looking at the narrower picture......

To be fair Hamish, he should be looking at the narrow picture for his local area.

There's really no point in looking at a UK average when dealing with personal specific research.

mitchaa

skap7309 wrote: »

Looking at the wider picture here Hamish.....

Going by LOCAL LAND REGISTRY (cant get more accurate than that) prices peaked in Nov 07 roughly when i decided i wanted to buy a house. They have fallen £33,086 since then taking us up to Aug 09. In the same span you quote i only get a tiny rise of £4621 from absolute trough (May 09) to the present day. Things have slowed yet again so i am sure this will be wiped out before Christmas.

In that time i have saved over £52,000 as a deposit, so....................

£52673 + £33086 = £85759 towards a house.


Shame so many gamblers waiting for further falls have missed out on so much though....Ermm, well no not really then........

Once again your sensational thread has yet another massive selection of holes in it.

1.The £52k savings are completely irrelevant.
2. The £33k ''saving'' is purely mythical and assumes that you were going to buy at the precise point where the market peaked. (I very much doubt it) By that i mean you had mortgage agreed, sale completed and at the last minute you had a brainwave and you pulled out. The ''I was wanting to buy a house at that precise point'' is quite frankly a lot of BS as the majorities who dont own their homes are always wanting to buy so the timing and the belief that you ''saved'' from peak is a lot of rubbish. Why didn't you want to buy in the July or the August or the Sept or even the October? What was special about the month November:rolleyes:

Codswallop:D

3. You have to take into account your rental payments in the last 2yrs and offset these against this mythical £33k even if it just does mean the repayment part.

4. You were going to buy that average house were you? Not over average or under average? Just average?

To Save £52k in 2yrs is very good going, you are either...

Living at home with parents (Embarrassing really if you're over about 21, stand on own 2 feet springs to mind, not having your own space, like i said, nothing to feel 'proud' about:rolleyes:)

Living frugally, very frugally (Lifespans are relatively short, what is the point? 2yrs of ''misery'')

Or your household income is very high, which if it is the case you wouldn't be worrying about a mythical £33k