Halifax HPI +0.5% MoM, +0.8% QoQ, -0.1% YoY

ruggedtoast

The_J wrote: »

:rotfl: Thanks for the advice! You'll appreciate it if I take it with a pinch of salt from someone who's complaining about not being able to save because the naughty unregulated landlords.

Poor people who whine are the worst.

I didn't give you any advice. I called you a monumental c0ck in one post, and then I ridiculed you in a second.

You're the one who gives advice remember, you are extraordinarily successful at it, apparently.

And I don't rent from a landlord, why do you think I do?

The_J

You were whining about it earlier. I had a look to see if I could find the story for you.

http://news.bbc.co.uk/1/hi/business/3199822.stm

Feel free to start suggesting he was only referring to Barclaycard (largest market share in the UK) and your credit card is much better :rotfl:

I actually feel stronger than him in that taking the temptation in the first instance should be avoided.

chewmylegoff

All I can say is that we get the sockpuppets that we all deserve.

ruggedtoast

The_J wrote: »

You were whining about it earlier. I had a look to see if I could find the story for you.

http://news.bbc.co.uk/1/hi/business/3199822.stm

Feel free to start suggesting he was only referring to Barclaycard (largest market share in the UK) and your credit card is much better :rotfl:

I actually feel stronger than him in that taking the temptation in the first instance should be avoided.

Oh yes, fair point. I didn't realise it was something you read on the internet. I take it all back.

Batchy

ruggedtoast wrote: »

What is it with you people and your obsession with Apple products as some kind of totem of f3ckless youth? Every time one of you drags this tired old nag out of its stable it just underlines how out of touch you are with the reality that faces most people who haven't enjoyed decades of rising growth, house prices, and extraordinarily beneficial social contracts.

There are plenty of young families with normal jobs struggling by with pay as you go phones, student loan payments, 10 year old cars and fridges full of Tesco value food who can't afford to save for a deposit.

The reason they can't afford to buy a home is because they're being shafted by a virtually unregulated rental industry, rampant inflation, low wages and / or unemployment combined with the highest house prices in living memory; not to mention having to support the retirements and bank bailouts of a generation that wrote itself a cheque for a sweetheart pension deal and signed its' childrens names as payees.

what you say morally is right, however in reality, why should everyone get the same "divine rights" as anyone else, the fact is, its a level playing field. coming from someone who had nothing, and is doing well, whos friend lived in a converted garage a cold place, as the house was too full. who now earns circa over 200k per annum.

With dedication, planning and a degree of self preservation anything is possible.

I have a brother in law, who wouldnt know work and pressure if it hit him in the face!

benb76

I put much of my monthly spends on my credit card - supermarket shop and petrol seem to be the major ones - then pay off the balance when it's due 4-8 weeks later. This way, not only do I earn airmiles, but I also have £500-600 extra in my bank account offsetting my mortgage. There really is no drawback providing you have an ounce of organisational ability and remember to pay your bill in time.

So I'll have to say it - I agree with Graham Devon!

wotsthat

Graham_Devon wrote: »

There are so many different variations of disposable income and discretionary spending it's sometimes hard to keep up, and I've been caught out with it before!

It seems fair to say that you were wrong in saying normal working people are only able to save £50/ month towards a deposit.

It's therefore completely wrong to extrapolate this 'fact' to calculate that the average working person would have to save 13 years to save a deposit for the average house.

It's an entirely reasonable comment to say that there are large numbers of potential buyers who want to buy but are choosing to spend instead. Especially when you ignore the lower earners (who can't buy anyway) and don't assume that the average FTB is saving for the average house. They might not realise that they are making a choice of course but that's what it is.

homelessskilledworker

chucky wrote: »

maybe they could cut back on their Sky subscription, the iphone, the monthly mobile bill, the lovefilm subscription or all the other little luxuries they indulge themselves with.

Buying a house isn't about spending money on other things its' about paying your mortgage as quickly as possible!!

I thought that many of the social I'lls of the world were down to Greed and even a lack of true democracy...

But it seems like it is all down to the iphone!!

The iphone is like the one true ring from Lord of the rings, once we have lobbed it onto mount Doom all our problems will be over.


p.s I personally have never owned an iphone:)

chucky

homelessskilledworker wrote: »

The iphone is like the one true ring from Lord of the rings, once we have lobbed it onto mount Doom all our problems will be over.


p.s I personally have never owned an iphone:)

Ditch the Nokia 1100 that is the size of a Speak'n'Spell, get yourself an iPhone and join the dark side.

homelessskilledworker

chucky wrote: »

Ditch the Nokia 1100 that is the size of a Speak'n'Spell, get yourself an iPhone and join the dark side.

By far the best phone I ever had was the samsung A800, you did not even realise you was carrying it being so small, the battery was fantastic and the preditive texting was so easy with the larger than expected keys. I got my first one about a decade ago, and even when Orange gave me a more up to date model every year I still stuck with the Samsung for another three years.

I eventually gave into peer pressure and the constant !!!! taking down the pub.