And another bear bites the dust... mbga9pgf's epiphany....

new_home_owner_3

Graham_Devon wrote: »

It's not that far off actually. The wages add up to £45,000 after tax has been deducted.

Could have also excluded pension payments etc.

I havent finished yet theres even more lies.

moggylover

stueyhants wrote: »

Bought about two months ago, moving in next month. Saved about 50k on price. I didn't have to rent (unusal circumstances) however even if I did the extra cost compared to the interest on the mortgage would have been nowhere near the 50k savings on price.

The UK is not one market, in some cases holding off buying is a good choice. In others (possibly your area, although I don't know it that well so can't prove that) it has been a bad choice.

You can't take the pi## out of someones decisions if you don't take in to account local conditions.

My thoughts entirely! This area saw very little in the way of real price drops in 2008 and 2009 except in the lower end of the market. This year those who were refusing decent offers around 25% below peak are having to drop their prices 25% or more as they haven't had a viewer for so long:D

Talking to friends with businesses (bakery, building supplies, garages, sweet and drink wholesaler, restaurant) last year the recession appeared to miss the area altogether: this year it is biting hard:(

dopester

Don't they both work in the army or for the MOD, or some other defence department?

Being blunt for once, I think you've buckled too early mbga9pgf, not holding out for at least 12 months after the General Election.

Won't want to see you on here in 18 months sobbing about job losses / pay cuts / interest rates / negative equity / house repossession.

If we complete, my next post will be my last on here; please guys, keep the fingers and toes crossed for me, because the last 4 years of saving have not been easy and if we pull this off, it will have made it worth all the hassle!

Harry_Powell

new_home_owner wrote: »

I havent finished yet theres even more lies.

It's a race between the speed of your 'quote' button and mgfgfg???'s 'delete' button!!

Go 'quote', go!!

new_home_owner_3

mbga9pgf wrote: »

All incorrect. To be proved as soon as we complete.

WE WERE SAVING 35K A YEAR! Our joint GROSS salary is 73K! :rotfl::rotfl:

Prices can rise nationally 10%, as soon as I complete, I will be able to show you all the details, with photographic evidence and a sign saying hamish and the bulls can go kiss my @rse... and I can guarantee that this is going through at 30% off initial list price. Only Surveyors valuation to go, we are due to complete in around 3 weeks from now.

then he posted this on 16/03/2009.

mbga9pgf wrote: »

No, 3X average salary for the average home.

3X ftb salary for FTB home, which needs to be factored for the fact the FTB wage index consists of approximately 20% of returning Sell-to-renters who national statistics class as First time buyers.

By this time next year, I will have a 40% deposit and will quite easily be able to afford that 4 bed home with 1/2 acre thanks love!

http://forums.moneysavingexpert.com/showthread.html?t=1560959&page=8

if he was going to have a 40 percent deposit sureley he would have said he had 40 percent yesterday.

sunshinetours

new_home_owner wrote: »

I didnt want to start quoting and posting your old post's but here goes ill let other people make their own minds up, why did you post this on 09/02/2009??? if you both earn 70,000 pounds this must be incorrect?

http://forums.moneysavingexpert.com/showthread.html?t=1477277&highlight=soa


Statement of Affairs and Personal Balance Sheet......

Assuming there were no other benefits or pension payments those sort of net incomes would be around £40k and £20k respectively, so about £60k gross pa assuming a normal tax code an no student loans etc.

£70k if anything else is included wouldn't be too far from the truth if that is the point of your post

JonnyBravo

new_home_owner wrote: »

I havent finished yet theres even more lies.

Can I join in please new home?

I found a beauty.....

mbga9pgf wrote: »

So borker, want to tell us what those figures are like with higher IRs?

I may suggest as well that your standard of living must be crap with outgoings of only 355 quid.

All this coming from Mr.....

mbga9pgf wrote: »

Entertainment........................... 0

Love it.

:rotfl:

new_home_owner_3

mbga9pgf wrote: »

All incorrect. To be proved as soon as we complete.

WE WERE SAVING 35K A YEAR! Our joint GROSS salary is 73K! :rotfl::rotfl:

Prices can rise nationally 10%, as soon as I complete, I will be able to show you all the details, with photographic evidence and a sign saying hamish and the bulls can go kiss my @rse... and I can guarantee that this is going through at 30% off initial list price. Only Surveyors valuation to go, we are due to complete in around 3 weeks from now.

Oh and then there this one on the same day 16/03/2009 which really makes me laugh he had a 15000 pound rise in a month.

mbga9pgf wrote: »

Its a good job im on nearly 50K and have 60K saved up, isnt it then? This time next year, 100K. I take it you know the difference between mean and median dont you? Just wait and see. Your des res 4 bed detatched with 1/2 an acre will be well in my 200-250K budget by christmas 2010.

For 250, I will be expecting more like 0.75 acres though


By the way, I hate cats. They stink and are completely unloyal. I know they love a good spraying with my hose though.

I think thats enough said hes a blatant liar, the one thing is if you are going to be a good liar, you need to have a good memory and mbga9pgf hasnt, i bet he aint even got a missus.

good luck walter mitty

new_home_owner_3

sunshinetours wrote: »

Assuming there were no other benefits or pension payments those sort of net incomes would be around £40k and £20k respectively, so about £60k gross pa assuming a normal tax code an no student loans etc.

£70k if anything else is included wouldn't be too far from the truth if that is the point of your post

Im not questioning whether its feasable that he earns that much its probably right if someone was earning that type of money, but he keeps on changing from 30 deposit to 40 percent deposit and then back to 30 percent.

Then they earn 37000 pounds between them, and a month later he earns 50,000 and now they both earn 70000.

come on the blokes full of !!!!!! and he and all of us know it.

mbga9pgf

new_home_owner wrote: »

you then posted on the 16/03/2009, if you had 30% then, why have you only still got 30 % now a year later, when you have been saving for a year?

http://forums.moneysavingexpert.com/showthread.html?t=1560959&page=3

The old 30% was based on a 250K purchase price. Thats now gone up to 325.