Help me my life sucks

jazzyjustlaw

Spendless wrote:

jazzy - when my nan bought her council flat is was 80% off not 70%. The 70% applied to houses, it was a greater discount for flats (might be worth checking into).

Also what the council valued at was a lot less than what they were selling for in the street.

At the time you could also ask for a valuation and say 'no' without obligation.

This all was when nan aplied to buy in June 2002.

Some of it may have changed by now, but maybe worth looking into.

Best wishes

I live right on the Quay and most properties on there go for £350,000 + of course they are not Council though. They valued mine last year and do not value as they did your nans and I have confirmation that 70% with max of £30,000 off it the most I would get off. Where I live is Millionaires paradise!!

Thanks though

Justine

Spendless

Sorry jazzy - i've just double-checked and i'd got it wrong. It was 70% off for flats,it was 60% for houses.

I knew it was a 10% better discount for flats but got my sums wrong. Thought i'd best post correct info, just in case of others interested in info.

nans flat and sils house were both valued at less than the identical one down the road was selling for at same time (pity this doesn't apply to you).

best wishes

BTW - you do know that all years of being a council tenant apply don't you? Not just in that property. Also when SIL bought hers her time in the army also counted.

Sofa_Sogood

jazzyjustlaw wrote:

Anyway I hope to be a legal executive in two years and I will then be able to do the LPC a couple of years after that being on higher wages. I am determined that nothing is going to get in my way, I decided that I was going to be a lawyer and that is what I will do. My mantra when anything comes along is "I WILL HANDLE IT" - why not adopt a mantra yourself?

Justine

Go for the LPC as soon as you can Justine. Before everything. I know it costs a fortune, but it'll pay for itself after a couple of years (you probably know all that anyway ).

Good luck and to brisck1 - look at the turnaround in him. It all seemed a bit hopeless not so long ago didn't it?

Sorry I can't help with anything constructive; I'm a bit useless in that respect, but keep posting and people will keep thinking of ways to help.

jazzyjustlaw

Sofa_Sogood wrote:

Go for the LPC as soon as you can Justine. Before everything. I know it costs a fortune, but it'll pay for itself after a couple of years (you probably know all that anyway ).

Good luck and to brisck1 - look at the turnaround in him. It all seemed a bit hopeless not so long ago didn't it?

Sorry I can't help with anything constructive; I'm a bit useless in that respect, but keep posting and people will keep thinking of ways to help.

Believe me if I could have done the LPC I would have. I couldn't get a loan because of my student bank account holders messed it up for me - long story but did a sandwich course and in my year out the bank wanted me to pay back what I owed whereas usually the do not. This meant me getting a loan to pay that off and I could not then get one from my LPC. I tried to borrow off my family - no-one could help I tried it all - except prostitution!!!

I approached law firms the length and breadth for help but nothing I did not get a first and those that do get the most help.

Anyway thanks to everyone for their help - onwards and upwards as they say.

davidcampbell

re martins book

i read it in one sitting in the local starbucks. it cost me 2 cups of coffee. it was only when i was finished it i realised i would have been better buying it - cost about the same and i would have had a copy to look at whenever i liked.

still i guess if i had realised that before reading it i wouldnt have had to read it anyway!!!


DC

THRIFTY_JO

We are in a similar situation to you and are having to pull in our belts a lot.

Options for a holiday- do you know anyone who could lend you a tent?
The South West is a lovely place to visit-long weekends are all we can afford in a tent, drinking cheap plonk from Lidl but its nice to treat yourself

Have you tried your local library for DVD rental? Ours rents out for a week a time for £1.50 - not the most up to date titles but good nevertheless.
They might also have a music library for a similar price?

Have you thought about cycling to work in the summer? Could save you a couple of pounds? Though I guess you'd have to have a bike first. Free exercise!

To you have a barter scheme locally where you could trade skills for a favour you were after?

Have you tried your local Housing Association Scheme? I know that they offer subsidised housing to young professionals around here. Might be worth a look.

Good luck with your budgeting

THRIFTY_JO

Do you still have thoe expensive text books from Uni that are gathering dust on the shelf?

If you haven't picked them up inthe last year you probably never will but you can sell second hand books on Amazon.co.uk.
V v easy to set up and it takes 2 minutes max to list a book.

Thrifty Jo

jazzyjustlaw

THRIFTY_JO wrote:

Do you still have thoe expensive text books from Uni that are gathering dust on the shelf?

If you haven't picked them up inthe last year you probably never will but you can sell second hand books on Amazon.co.uk.
V v easy to set up and it takes 2 minutes max to list a book.

Thrifty Jo

HI

I sold my uni books at ebay well most of them and got more than I originally paid on some of them. Thanks for the response. I will take on board your advice and keep it coming!!

Justine

rosebud_2

Im am not connected to any companybut have you tried Aldi and Lidl for your shopping we started using them about a year ago and we save about half on what we buy you can,t get every thing there but the stuff is really good quality

burbs_2

i was in the same boat as you a while back. I just left Uni last June, had a student debt, huge overdraft, credit cards etc etc. I took a job straight away and was only on £700 a month but i was only a driver.

I had an idea, got a business plan together, went to the bank, got it approved and now i sell cars for a living and now im turning over stupid amounts a month through hard work.

I think perhaps you should just be happy with what you have got at the moment, you are not getting into more debt unlike your friends, instead you are paying off your debts. I know it seems like a never ending slog but the harder you work the further you get.