Nationwide November -0.3% MoM

ukcarper

yorkshirekev wrote: »

http://news.bbc.co.uk/1/shared/spl/hi/in_depth/uk_house_prices/html/houses.stm

This would suggest a different average.

Better use this to get a more accurate look at what average house prices are.

http://www1.landregistry.gov.uk/assets/library/documents/HPI_Report_Oct_rewlof63.pdf

Percy1983

JonnyBravo wrote: »

I'm sure the sums are very long and quite complicated. A bit of bafflement can work in your favour though eh? Nice work.



I think you meant to say "luckily, I'm the only one counting, my other half hasn't got a clue, thank God :j"
Sweet.
I see the game you're playing and it seems like it's going beautifully.

Now you just starting to get insulting, not only are you making out my other half isn't very clever but also I am using that to my advantage.

I will add the following steps where all done together by 2 adults.

1, We did a full budget based on our incomes and expenditures as well as adding up all debts and APR’s. I then setup a spreadsheet calculating interest payments etc (because I am much better with Excel, no other reason).

2, After reviewing expenditure we both cut back spending where possible while still having some money for entertainment etc. This then gave us what would be the amount available to clear debts/save.

3, From there we started paying whichever card was the highest APR regardless of the name on the card (good money saving idea).

4, At this point we figured that she did have some ‘spare’ credit to which she applied for a couple of credit cards at 0% to which then took a chunk out of the highest APR’s (at this point basically transferred a chunk of my debt into her name, risky for her I will admit).

5, After a few months this had cleared down on my credit file to which I then got a substantial amount on 0% credit cards to which I took everything form mine and her balances still charging interest.

6, We have both opened up ISA’s and we just cover minimum payments while paying the rest into said ISA’s and the plan is the combined totals of the savings will cover all the credit cards before they start charging interest again.

7, (the next step, yet to happen) once remaining cards are cleared continue to fund ISA’s and other savings until be have a deposit.

Yet again we are 2 adults with reasonable intelligence who have agreed every step along the way, as mentioned above we have a spreadsheet which tracks everything which be both update and can both see and understand. So yes we are keeping count, we just aren’t keeping separate counts.

So yes as there is many payments and transfers involved and we haven’t kept track of where everything has gone and who is to ‘blame’ for each outstanding penny.

Out of interest at what point do you believe couples should combine money/belongings?

The starting point isn’t as black and white as you think anyway, we have 2 cars, ‘my’ car is fully paid for by me, ‘her’ car is paid for by both of us (I use the terms ‘my’ and ‘her’ as we both have full use of both cars). How about the years we have added each other on car insurance, this pushed my premiums up and lowered hers so she must owe me something there. I have more belongings eg a bigger TV and larger DVD collection so if we are going to put them in our house and call them ours surely she owes me money for her share of said items?

You starting to get the idea that things go both ways in our relationship and we have both stopped counting long ago, this isn’t some evil master plan on my part just what works for us. We are working as a team and we are winning, we aren’t working against each other. As I have pointed out our career choices mean I should be earning more than her for foreseeable future to which if we was counting we would she would soon be owing me money, yet again do I care?

So you can continue to see ‘me’ as some evil genius who has found a woman to pay my debts while I save or you can see ‘us’ as a happy couple in this world together who are making the best of it and are aligning ourselves to get a very nice house, wedding certificate and 2 children.

As a final note Mr Bravo this is the last time I am explaining this to you, I really fail to see how it causes you a problem, surely you can see we have made the best choices to benefit us as a couple and we are doing well due to it. Nothing is morally or financially wrong with what we are doing and we are both happy with it. Neither party is in the dark or has been tricked at any point.

Yet again I am happy to answer any questions if there is any of the above you don’t understand and of course if you can tell me what we have done so wrong above and what we should have done instead I will be more than happy to listen as I could learn something.

And back on discussion I wonder where the BBC get those figures from.

JonnyBravo

Thanks for clearing that up for me Percy.
It's clear by your little note it really isn't much of an issue for you and I've clearly blown it up out of all proportion. What a silly mistake I've made.
Now you've explained it to me it does seem fairer that she pays more of your debt off than you. That TV must've set you back a bit, DVD's are expensive if you get them as they're released and car insurance doesn't grow on trees.
It seems sensible to use your Excel knowledge to set up spreadsheets to enable you to not keep count as that clearly is not needed. You know she pays more, and so does she, so it seems a good idea. No one is pulling any wool over anyones eyes as a result.
I'm sorry you thought I was being insulting but your 7 clearly numbered points have let me see I've made a big ol' mountain out of a non-existent molehill, and it's definitively the case that nothing morally or financially wrong is happening or has ever happened.
<sarcasm off>
On a wider point, I find what goes around comes around. Would you say you agree?

ess0two

Percy1983 wrote: »

Oldham average house price Dec 2005 £92,020

Oldham average house price Oct 2010 £91,937

Does that mean I have had nearly 5 years of stagnation in bull terms?

And you whinge about being priced out !!!!!!,cheap as chips.

Percy1983

JonnyBravo wrote: »

Now you've explained it to me it does seem fairer that she pays more of your debt off than you.

At which point did I say she pays more of my debt that me? Most of our actions have actually been to reduce interest payments on all dents which has benefited us both. The short of the sum is that she would have been debt free before me so a small amount of her money has been paying my debts to bring all debts in at the same time.

JonnyBravo wrote: »

It seems sensible to use your Excel knowledge to set up spreadsheets to enable you to not keep count as that clearly is not needed.

You are correct it clearly isn’t needed, we (as in both of us) aren’t point scoring.

JonnyBravo wrote: »

That TV must've set you back a bit, DVD's are expensive if you get them as they're released and car insurance doesn't grow on trees.

]

I was trying to get the point that it isn’t as one sided as you make out, ps whats your thoughts on me having owning 1.5 cars while she owns 0.5 yet we both use both? (that is worth a few thousand).

JonnyBravo wrote: »

You know she pays more, and so does she, so it seems a good idea. No one is pulling any wool over anyones eyes as a result.

I will to point out a previous post she doesn’t pay more, but yes she knows exactly what she is paying and how it all started.

JonnyBravo wrote: »

I've made a big ol' mountain out of a non-existent molehill,

Glad you can see that.

JonnyBravo wrote: »

On a wider point, I find what goes around comes around. Would you say you agree?

I most certainly do, my other half will certainly get the better end of this deal, she has put herself out a bit for us now but on the flip side will probably put less money into the house for the rest of our lives.

I have just separated the finances on my sheet and traced it backwards a bit just for your benefit and it will end approx as follows.

Debt to start:
£20k me
£6k her

Actual paid:
£16k me
£10k her

So she will have paid £4k of my debt.

With that right now I earn over £250 a month more than her to which I will be putting £250 more than her into the deposit and house expenses for the foreseeable future (the gap will grow in the future too). So doing a basic sum I would have paid that all back in 16 months after we have cleared the debts (towards the end of 2012 all will be equal again). Of course this will into the future due to our career choices, either way you must see how the sums will level in time and actually tip in her favour in the longer term.

ess0two wrote: »

And you whinge about being priced out !!!!!!,cheap as chips.

I am not priced out, I was for many years, but I do still think a lot of my generation are priced out as they aren't fortunate enough to live in a scum pit like Oldham... yes there is irony in that statement.

As I will admit I am in an excellent position and should be in a position to buy towards the end of next year, something like this will do and wouldn't be much of a stretch for us.

http://www.rightmove.co.uk/property-for-sale/property-30866357.html


:j

JonnyBravo

Percy1983 wrote: »

You are correct it clearly isn’t needed, we (as in both of us) aren’t point scoring.

That's clear then. Not point scoring. Good. That's the way it should be.

Percy1983 wrote: »

I was trying to get the point that it isn’t as one sided as you make out, ps whats your thoughts on me having owning 1.5 cars while she owns 0.5 yet we both use both?

Whoa there fella!
You've accidentally slipped into some kind of point-scoring, tally-keeping, ready-reckoning, totaliser-tracking mode there.
Oh hang on.....
I think someone must've hacked your account as you've made it quite clear that isn't happening and you've got spreadsheets to prove just how the score isn't kept.
Get online and change your password sharpish.
Happy I could help.

Percy1983

Sorry to say I wasn't adding up points, I only asked your opinion on the issue as you clearly do like to keep points as we are doing it wrong in not doing so, it shows that in my plan to rip her off I have made some big mistakes as the receipt for the car and logbook are both in her name.

... oh wait i am not trying to rip her off.

JonnyBravo

Percy1983 wrote: »

in my plan to rip her off I have made some big mistakes as the receipt for the car and logbook are both in her name.

Tut. Worth a go I suppose but seeing as she's paying for them you'd have done well to convince her to put them in your name.
Can you not draw up a spreadsheet to show her how it's more sensible for her to buy you a new car or something? Got to be worth a go. Worst she can say is no I suppose.
Do it subtle though. Like the other stuff.

myhouse_2

By the way, in case some of you have missed the title of this thread, Nationwide - November -0.3%.
Just thought I'd mention it

Graham_Devon

JonnyBravo wrote: »

Tut. Worth a go I suppose but seeing as she's paying for them you'd have done well to convince her to put them in your name.
Can you not draw up a spreadsheet to show her how it's more sensible for her to buy you a new car or something? Got to be worth a go. Worst she can say is no I suppose.
Do it subtle though. Like the other stuff.

What's made you so bitter?