Cheer Me up, i have just been slated!!

GreyPilgrim

Beetlebug1983 wrote:

All i wanted was some advice, i didn't want to be judgeed for asking such a stupid question. all i wanted was to be guided.

Nobody is judging you. About 30 people have, by and large, given you the exactly the same, sound advice and only one of those people was 'blunt' and 'direct'. You seem to have chosen to focus on that one particular post and ignore the rest! (and to be just as blunt, you're sounding a little whiney)

What would you rather have, a sharp answer and slightly bruised ego or a debt that is going to take you 50 years to clear rather than 10?

Timmne

before my GF and I moved into our place in 2005 I worked for 8 months in 2 jobs and made sure I worked Friday and Saturday nights, just so I wasn't tempted to go out. I was on £15k in my normal job and took home £100 per week in my second job, meaning I was able to save £1200 per month and had around £200 to spend on everything else, with careful budgeting.

In the 8 months I had to save I managed to pull together nearly £10k for the deposit and moving expenses for the apartment. If you told your mum about your situation she may give you another year to live in the place, and possibly reduce your rent to peppercorn level. You and your OH could get second and even third jobs and clear your debts in a matter of 18-24 months. You'll then only be 25 years old with a good lending potential and you'll be ready to face the world!

My GF and I moved out too early in hinds sight as she was still at uni and we had a shortfall in earnings when she was in the final months of her degree and couldn't work. PLEASE think carefully about moving out, it's nice to own your own place but not quite as glam when you have a mortgage to pay!

GettingThingsDone

Out of interest Beetlebug, overall what do you think of the advice you have been given?

Beetlebug1983

Thank you to you all for your advice. I didnt expect to get such a response, without sounding "whiney". It's good to know that there are sensible "moneyheads" out there!!!

Beetlebug1983

I will definetley be thinking about what you have all said. You are all amazing.

GreyPilgrim

Beetlebug1983 wrote:

I will definetley be thinking about what you have all said. You are all amazing.

Honeslty BB, it's all meant to be help even if some of it is a bit blunt. Best wishes and all of that - please let is know how it all goes, ok?

Beetlebug1983

I know you gotta b cruel to b kind and all, but nevermind, suppose we got there in the end!

You never know, i might find a pound on the floor tonight, put it on the lottery and win millions!! Would still probably buy the £100k house and keep the cash!!

poppy10_2

Beetlebug1983 wrote:

All i wanted was some advice, i didn't want to be judgeed for asking such a stupid question. all i wanted was to be guided.

Aww, honey... :kisses3: Don't beat yourself up, it wasn't a stupid question, you had a dream and you wanted to know if you could live with it. Nowt wrong with just asking, you've been given good advice on this thread that will help you if you follow it.

Good luck for the future. I'm sure you'll get your dream home at some point in the future :T

steve700

Beetlebug1983 wrote:

You never know, i might find a pound on the floor tonight, put it on the lottery and win millions!! Would still probably buy the £100k house and keep the cash!!

But would you pay off your 29k in one go.....:p

Fingers crossed that I share the jackpot with you tonight then.

GreyPilgrim

Beetlebug1983 wrote:

You never know, i might find a pound on the floor tonight,

Ah, that was mine - i dropped it earlier