How can people be so pessimistic all the time?

the_ash_and_the_oak

wageslave wrote: »

Seriously? Wow.......

If you are on a decent salary and you don't really have any outgoings is pretty feasible? (also once you are above a certain salary your income increases all out of proportion to your outgoings - unless you have expensive tastes imo)

wageslave

the_ash_and_the_oak wrote: »

If you are on a decent salary and you don't really have any outgoings is pretty feasible? (also once you are above a certain salary your income increases all out of proportion to your outgoings - unless you have expensive tastes imo)

No honestly, I am seriously impressed.

I tend to find the more money you have the more shoes you suddenly discover you need to have. I save about twenty percent of my income and I thought I was doing pretty well.

Obviously not:wall:

ThrowingStonesAtYou

wageslave wrote: »

No honestly, I am seriously impressed.

I tend to find the more money you have the more shoes you suddenly discover you need to have. I save about twenty percent of my income and I thought I was doing pretty well.

Obviously not:wall:

Lol well I'm male so don't have the attraction to shoes, my gf is a different matter though!

I can save half what I earn as I have quite fortunate personal circumstances, I'm in a long term relationship and live in a small flat so the bills are split half and half so aren't too bad, we don't own a car so that saves a lot and where I live there isn't that much to do, coupled with working fairly long hours we only get chance to spend money on days out at the weekend, which isn't a lot in the scheme of things. Recently started paying childcare which is a big expense although we save a lot through tax free vouchers, I can imagine it would be hideously expensive with 2 kids in childcare though:eek:

jennihen

there's plenty of carpet-baggers keeping very quiet at the moment waiting for the next predicted slump in house prices - I'd say they're pretty optimistic!! (me included)

wageslave

ThrowingStonesAtYou wrote: »

Lol well I'm male so don't have the attraction to shoes, my gf is a different matter though!

I can save half what I earn as I have quite fortunate personal circumstances, I'm in a long term relationship and live in a small flat so the bills are split half and half so aren't too bad, we don't own a car so that saves a lot and where I live there isn't that much to do, coupled with working fairly long hours we only get chance to spend money on days out at the weekend, which isn't a lot in the scheme of things. Recently started paying childcare which is a big expense although we save a lot through tax free vouchers, I can imagine it would be hideously expensive with 2 kids in childcare though:eek:

You have a child and you are saving half your wage? You are making this up. I can only assume your brat hasn't reached the level of communication mine has. Ma, I need seventy quid trainers..

How much is your OH saving?

Graham_Devon

chucky wrote: »

housing is affordable, just not to the ones that can't afford it - they're the ones that usually have the most pessamistic views :money:

Oh no. Not back to the "for people who can afford house they are affordable" argument are we?

ThrowingStonesAtYou

wageslave wrote: »

You have a child and you are saving half your wage? You are making this up. I can only assume your brat hasn't reached the level of communication mine has. Ma, I need seventy trainers..

She hasn't even managed to sit up yet, let alone talk so apart from food she doesn't cost us too much! After the tax savings the childcare costs about £200 for my half (£400 total) so isn't that bad.

wageslave wrote: »

How much is your OH saving?

Nothing :wall:

Paying off overdrafts still, we've had a budget system where we both have the same disposable income after bills for years so I don't know where the money went - she has nothing to show for it!

HAMISH_MCTAVISH

Dan: wrote: »

To those that cannot afford to buy a house: Might be wiser spending the next few years retraining for a job that pays more then waiting for those 50% falls.

:T :T :T :T

So true.

Of course not everyone will be able to, but such is life.

Not everyone can, or should, be able to afford to buy. Life is a competition for finite resources, those who work hardest and smartest will always get a larger share than those who don't.

We are at close to record highs for owner occupation, but that statistic was only achieved by getting into sub-prime for the last few percent, and we can all agree that didn't work out so well.

Owner occupation, as a percentage of society, has peaked.

The absolute numbers of owner occupiers will still increase, but due to population growth this will still be a smaller, and wealthier, percentage of society.

wageslave

ThrowingStonesAtYou wrote: »

She hasn't even managed to sit up yet, let alone talk so apart from food she doesn't cost us too much! After the tax savings the childcare costs about £200 for my half (£400 total) so isn't that bad.



Nothing :wall:

Paying off overdrafts still, we've had a budget system where we both have the same disposable income after bills for years so I don't know where the money went - she has nothing to show for it!

See, you are saving a small bliddy fortune and she is saving sod all.

What does this tell you?

Disposable, smopisable. Have you been in a baby shop lately?

Your rug rat might not be sitting up but it isn't lying down naked.

PS They get even cuter as they get older. Half your income? Yeah right. Daddy, I need.......

ThrowingStonesAtYou

HAMISH_MCTAVISH wrote: »

Not everyone can, or should, be able to afford to buy. Life is a competition for finite resources, those who work hardest and smartest will always get a larger share than those who don't.

Dunno about working 'hardest', but if by smartest you mean sucking up to their elderly relatives to compete for inheritance then yes these people will tend to get a larger share in future.

It may have been the hard workers who prospered in the past, but now its going to be those who get a free ride from the state and those that have rich parents. Why bother working when it would take a lifetimes worth of work to accumulate the wealth you would get by inheriting your grand/parents stuff?