Confused in obtaining credit

ChopperDeemus

dealer_wins wrote: »

Buy a house without funds to furnish it. Great plan!!!

Great advice there.... Dont give up the day job!! As for not being able to furnish the place if you had read the post you would see that I live in rented acc so i do have a sofa that was a hand me down from my parents. I do not have to justify myself to you. Plus loads of people have things (furnishings/appliances) on credit. As I have just managed to save for a 15% deposit and having to pay conveyors fees and solicitors obviously I haven't got the funds readily available. So take my advice if you have got nothing good to say don't say nothing at all!!

iolanthe07

if you have got nothing good to say don't say nothing at all!!

Are you really a teacher? I hope you don't teach English!

27col

Apples2 wrote: »

LUXURY!!!
The only privacy we had was when Ice formed on the inside of the windows.

You had glass in the windows, now that's what we would have called luxury.
I remember we had one bedroom window that wouldn't close, due to rust in the hinges. I vividly remember that the gap was blocked with a pair of my new wife's tartan trousers.

DCFC79

dealer_wins wrote: »

Buy a house without funds to furnish it. Great plan!!!

Didnt you know that budgeting isnt the in "thing" to do, anyone who budgets is chastisized.

OP just chill

cos_2

And this thread is a perfect illustration of how nasty and pathetic long term MSE posters can be. I'm sure they are happy that they have contributed to helping the original poster.

This site continues to go down the tubes . . .

dealer_wins

ChopperDeemus wrote: »

Great advice there.... Dont give up the day job!! As for not being able to furnish the place if you had read the post you would see that I live in rented acc so i do have a sofa that was a hand me down from my parents. I do not have to justify myself to you. Plus loads of people have things (furnishings/appliances) on credit. As I have just managed to save for a 15% deposit and having to pay conveyors fees and solicitors obviously I haven't got the funds readily available. So take my advice if you have got nothing good to say don't say nothing at all!!

If we are being rude, then learn to spell and write!!

mynameistallulah

A teacher takes out a mortgage of more than five times her salary, and then applies for even more credit. This really concerns me. When they bring in financial education in schools, will they teach the teachers too?

broad-sword_2

Ah, takes me back... When the wife (girlfriend as she was) moved into our first home in 2003, we moved everything we had in a Ford Fiesta! We then bought (never borrowed) over the next few months - Apollo 2000 thank you!
By the way I would not touch Harveys with a bargepole - never seen anything from them that was built properly.

chesky369

The OP is only doing what most of us have done in the past - i.e. saved up a deposit and stretched ourselves in order to get onto the property ladder and find ourselves a home. We didn't want to pay rent which would only increase over the years and it's still a much better bet to pay a mortgage which will have an ending, rather than face the prospect of having to find rent into our old age.

Of course, the OP doesn't actually NEED a sofa (especially from Harveys), they WANT one. Try looking second hand or auctions and if you can't afford even that, then wait for a while - it's not the end of the world.