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Desperate

245

Comments

  • kriss_boy
    kriss_boy Posts: 2,131 Forumite
    Yea definately. Northern rock just gave me pretty relaible conformation that the whole thing is very possible.

    Can anyone help me budget this thought? I get my 3% raise this month as well as a small rise.

    So im on £1000 after tax per month.

    Mortgage £550.
    Council tax £130
    Home insurance £???
    Car/mobile/petrol £100

    Our lawyer says based on the details my mum gave him, he said we should put in a cheeky offer of 10K less than the asking and take it from there!
  • MortgageMamma
    MortgageMamma Posts: 6,686 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    spurs_nut wrote: »
    How much is your paper round a week?

    Just out of interest?

    Sound like a good investment.Or is it only open to immature knob jockeys?

    We are genuinely trying to help this poster please do not bring down the tone of thread! Absolutebounder was being humorous not demeaning
    I am a Mortgage Adviser

    You should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
  • MortgageMamma
    MortgageMamma Posts: 6,686 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    kriss_boy wrote: »
    Yea definately. Northern rock just gave me pretty relaible conformation that the whole thing is very possible.

    Can anyone help me budget this thought? I get my 3% raise this month as well as a small rise.

    So im on £1000 after tax per month.

    Mortgage £550.
    Council tax £130
    Home insurance £???
    Car/mobile/petrol £100

    Our lawyer says based on the details my mum gave him, he said we should put in a cheeky offer of 10K less than the asking and take it from there!

    Give me your age, the property postcode and how many bedrooms its got and I will tell you how much buildings insurance you will pay. I take it you wont want contents until its occupied?
    I am a Mortgage Adviser

    You should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
  • absolutebounder
    absolutebounder Posts: 20,305 Forumite
    spurs_nut wrote: »
    How much is your paper round a week?

    Just out of interest?

    Sound like a good investment.

    Or is it only open to immature knob jockeys?
    It would definitely be open to you masterbaker.
    Who I am is not important. What I do is.
  • spurs_nut
    spurs_nut Posts: 329 Forumite
    It would definitely be open to you masterbaker.

    I thought it was you who was good with numbers......

    Seeing how much your knowledge stretches to all things financial.

    So wouldn't that make you the maths-debater?








    p.s, when do i start. Running out of special brew and nappies and my £44 a week only stretches so far. Just keep it quiet from the dss thou yeah?

    chez buh!
  • Idiophreak
    Idiophreak Posts: 12,024 Forumite
    10,000 Posts Combo Breaker
    kriss_boy wrote: »
    Yea definately. Northern rock just gave me pretty relaible conformation that the whole thing is very possible.

    Can anyone help me budget this thought? I get my 3% raise this month as well as a small rise.

    So im on £1000 after tax per month.

    Mortgage £550.
    Council tax £130
    Home insurance £???
    Car/mobile/petrol £100

    Our lawyer says based on the details my mum gave him, he said we should put in a cheeky offer of 10K less than the asking and take it from there!

    ...sounds like hard work to me....

    That leaves you with £220/month for insurance/gas/elec/water/shopping etc etc etc...?
    A couple of rates rises and you could be pretty scroodged?
  • kriss_boy
    kriss_boy Posts: 2,131 Forumite
    I pm'd you mortgagemama :)
  • spurs_nut
    spurs_nut Posts: 329 Forumite
    kriss_boy wrote: »
    Yea definately. Northern rock just gave me pretty relaible conformation that the whole thing is very possible.

    Can anyone help me budget this thought? I get my 3% raise this month as well as a small rise.

    So im on £1000 after tax per month.

    Mortgage £550.
    Council tax £130
    Home insurance £???
    Car/mobile/petrol £100

    Our lawyer says based on the details my mum gave him, he said we should put in a cheeky offer of 10K less than the asking and take it from there!

    Think very carefully before you go ahead.

    It sounds like you are going to be very close to the breadline.

    Are you over estimating your costs?

    Is your car/petrol/mobile really going to be less than a £100 a month.

    That just leaves you £200 to play with which is generally the average cost of annual B&C insurance.

    What if your car goes wrong or your hit with unexpected bills?

    Looks very tight mate
  • dmg24
    dmg24 Posts: 33,920 Forumite
    10,000 Posts
    Rubbish. Ive never mentioned my income before yesterday!!!!

    I'd check some of your old posts Kriss ...
    Gone ... or have I?
  • spurs_nut
    spurs_nut Posts: 329 Forumite
    We are genuinely trying to help this poster please do not bring down the tone of thread! Absolutebounder was being humorous not demeaning


    Sorry miss,

    I'll go stand in the corner for 5 minutes.
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