At What Age Did You Move Out Of Mummy And Daddys?

Cleaver

Jimmy_31 wrote: »

Yep my mate grafts for a living and doesnt earn enough to buy a house or rent one.

Are we having a competition on whos mates earn the most ?

No, there's no competiton. I'm just saying that I don't think I know anyone on minimum wage, but that's probably because I'm in my thirties, not teenage or early twenties when plenty of us were on minimum wage.

I'm just saying that you seem to have a friend who is in his fifties, is in out of work, is single, and when he is in work he earns minimum wage. This type of person has never been able to buy a house. It has nothing to do with 'grafting', or the current times we live in or any other soundbite. Some may find it sad, but minimum wage, on and off workers can't buy a house. Never have been able to, probably never will be able to.

Would you lend your friend £5,000, let alone enough for a house? I wouldn't and a bank certainly wouldn't. He hardly earns anything and he can't hold down a job. Once you take emotion out of it, that's the facts of the situation.

Jimmy_31

ukcarper wrote: »

But that’s the case for a lot of people and has always been the case.

Oh thats alright then.

Jimmy_31

Cleaver wrote: »

No, there's no competiton. I'm just saying that I don't think I know anyone on minimum wage, but that's probably because I'm in my thirties, not teenage or early twenties when plenty of us were on minimum wage.

I'm just saying that you seem to have a friend who is in his fifties, is in out of work, is single, and when he is in work he earns minimum wage. This type of person has never been able to buy a house. It has nothing to do with 'grafting', or the current times we live in or any other soundbite. Some may find it sad, but minimum wage, on and off workers can't buy a house. Never have been able to, probably never will be able to.

Would you lend your friend £5,000, let alone enough for a house? I wouldn't and a bank certainly wouldn't. He hardly earns anything and he can't hold down a job. Once you take emotion out of it, that's the facts of the situation.

I bet everybody on minimum wage cant wait till they hit 30:rotfl:

Cleaver

nearlynew wrote: »

I think Jimmy's mate should be able to buy his own place.

'Should' meaning: Banks should lend tens of thousands of pounds to people in their fifties who earn minimum wage and are in and out or work;

or

'Should' meaning: I would like a utopian world were there was some way for even the very lowest earners in our society to buy their own house.

I agree with the second one but not the first. Not sure that us thinking that way will change anything though. Banks like regular and fairly high income, not conceptial utopia.

Cleaver

Jimmy_31 wrote: »

I bet everybody on minimum wage cant wait till they hit 30:rotfl:

You have an interesting style. The main debate I think we're having is around affordability of houses, specifically around whether a minimum wage worker should be able, or is able, to afford a house. But rather than debate this you keep picking random things to write one liners about.

We can debate the minimum wage / age thing if you like? The majority of the population tend to start careers somewhere between 16 and 21. And then they start to earn more and more as the develop their skills, experience and qualifications. Not everyone of course, but most people. My cousin left school at 16 without any qualification and went to work at McDonalds on minimum wage. He is now deputy manager at a store in hs mid twenties earning about the average wage. That type of thing.

Your friend obviously hasn't advanced in terms of pay through his life. He's in the minority of people in his fifties who still earns minimum wage and can't hold down a job. Therefore he can't buy a house. I agree with nearly and you that it would be nice for him to buy a house, but probably 70% of the rest of the population see their earning potential increase in their twenties, thirties and fourties and buy houses. This means your friend can't, as he earns a very low wage compared to most other people.

Can I recommend the following response this:

"So your friends all earn good money? Lucky them! :rotfl:"

ukcarper

18-25

Jimmy_31 wrote: »

Oh thats alright then.

Probably not. In an ideal world anybody who works hard should be able to have decent accommodation but unfortunately that’s not the way it is, has always been and probably will always be.

Cleaver

"We're Northern Rock: Don't bring your payslips, we're fans of conceptual utopia!"

To be honest that sounds like the mortgage market in 2006.

Jimmy_31

Cleaver wrote: »

You have an interesting style. The main debate I think we're having is around affordability of houses, specifically around whether a minimum wage worker should be able, or is able, to afford a house. But rather than debate this you keep picking random things to write one liners about.

We can debate the minimum wage / age thing if you like? The majority of the population tend to start careers somewhere between 16 and 21. And then they start to earn more and more as the develop their skills, experience and qualifications. Not everyone of course, but most people. My cousin left school at 16 without any qualification and went to work at McDonalds on minimum wage. He is now deputy manager at a store in hs mid twenties earning about the average wage. That type of thing.

Your friend obviously hasn't advanced in terms of pay through his life. He's in the minority of people in his fifties who still earns minimum wage and can't hold down a job. Therefore he can't buy a house. I agree with nearly and you that it would be nice for him to buy a house, but probably 70% of the rest of the population see their earning potential increase in their twenties, thirties and fourties and buy houses. This means your friend can't, as he earns a very low wage compared to most other people.

Can I recommend the following response this:

"So your friends all earn good money? Lucky them! :rotfl:"

He did advance in pay throughout his life.

Then his wages got cut to next to nothing.

He can hold down a job if a job is available to him.

When you say my style intrests you do you really mean it annoys you.

Can i recommend the following response....................................................Big long talk about economic house price stuff and throw a few examples in, make yourself sound superior and then get a little sneaky dig in to imply my mate is a knobhead and then more economic stuff then post..............................................................And then post again 5 minutes later to add something else you thought of, and another little quick dig................

I like your style:)

Cleaver

Jimmy_31 wrote: »

He did advance in pay throughout his life.

Then his wages got cut to next to nothing.

So if he earns next to nothing why should expect to be able to rent / buy a house? This is the bit I don't get. I don't think your mate sounds like a kn*bhead by the way. He sounds like an unfortunate chap who is obviously finding it hard to find work in this poor excuse for a country at the moment and he has my sympathy - that could be any one of us tomorrow.

Jimmy_31

Cleaver wrote: »

So if he earns next to nothing why should expect to be able to rent / buy a house? This is the bit I don't get. I don't think your mate sounds like a kn*bhead by the way. He sounds like an unfortunate chap who is obviously finding it hard to find work in this poor excuse for a country at the moment and he has my sympathy - that could be any one of us tomorrow.

probably because he needs somewhere to live.

If rents and bills were not so high he could easily house himself on a crap site labourer wage.