Can I Do This Myself?

no1wf

bowlhead99 wrote: »

If he's saving part of the deposit and contributing to running costs of the household and living in the household he would be insane not to want to be named as an owner of the house.

If he's an owner of the house you will not be able to get a mortgage without him being jointly liable for it.

Even if he's not an owner but is an adult that lives in the house and has put money into the deposit, you will find it difficult to get a lender to lend against the house without him being on the mortgage, unless you have so much deposit that you don't need his anyway and/or you're willing to do something underhand or illegal to convince them that it's all your own money and he doesn't live there.

Ah right I see, no I'd never do anything illegal or anything but didn't realise that lenders wouldn't just let him live there and contribute. I forget they want to know all your details and would probably work out I couldn't cover everything lol

Morgage_Confused wrote: »

Apply for the team leader job. Talk to his/her boss and make it clear you are interested in the role when the current team leader moves.

There's nothing there to apply for as such but when I go in tomorrow I'll definitely be asking some questions see if they can do anything for me, see if they need any permanent help and if it's possible to get another contract maybe. Then work my way up once I'm more comfortable

Sally22_2

Personally I would think about at least renting with him first, you dont really know anything about someone until you rent*, what happens if you buy a place and fall out or something? Would cost alot more to sort out than if you rented.

I have been with my partner for 7 years, lived together for 4 and only just buying our first home together at 26.

*I mean live together!

no1wf

Sally22 wrote: »

Personally I would think about at least renting with him first, you dont really know anything about someone until you rent, what happens if you buy a place and fall out or something? Would cost alot more to sort out than if you rented.

I have been with my partner for 7 years, lived together for 4 and only just buying our first home together at 26.

I know that's probably best but I left everything so late with learning to drive, getting a proper job and stuff that I don't want to leave something like this late too. It'll be even harder to do while saving for a wedding or if we wanted a baby. I'm not far off 26 myself so we're almost the same age, just you did everything the same time as everyone else where as I left it late lol

Annisele

no1wf wrote: »

I know that's probably best but I left everything so late with learning to drive, getting a proper job and stuff that I don't want to leave something like this late too. It'll be even harder to do while saving for a wedding or if we wanted a baby. I'm not far off 26 myself so we're almost the same age, just you did everything the same time as everyone else where as I left it late lol

I'm older than you, but I haven't bought because I can't afford to. Life isn't a race, and buying isn't something you have to tick off a todo list.

If the cheapest houses near you are £80k and your maximum income is £10k, then (assuming no changes to house prices or income) you're going to need to save about £45k before you've a chance of buying on your own. You'll need £65k before you could buy one of the ones you like on your own.

So, from what you say, it's unrealistic that you'll be able to buy in your area anytime soon. If buying is something you really want, you'll either need significantly more income; to buy with somebody else; or to move somewhere with cheaper house prices (though I'm not sure you'll find anywhere all that much cheaper).

I did feel at one point that my life was on hold - but once I realised I'd got in my head "I can't do X because I'd be spending the money I should be using for a house deposit" I got much happier. If I have to rent until the day I drop dead, so be it.

(I also find it helps to think that leases on flats are often only 99 years. If you 'buy' a flat, you buy the right to live there for 99 years. I've bought the right to live in my current flat for 1 year. It's the same principle, it just needs renegotiating more often).

no1wf

Annisele wrote: »

I'm older than you, but I haven't bought because I can't afford to. Life isn't a race, and buying isn't something you have to tick off a todo list.

If the cheapest houses near you are £80k and your maximum income is £10k, then (assuming no changes to house prices or income) you're going to need to save about £45k before you've a chance of buying on your own. You'll need £65k before you could buy one of the ones you like on your own.

So, from what you say, it's unrealistic that you'll be able to buy in your area anytime soon. If buying is something you really want, you'll either need significantly more income; to buy with somebody else; or to move somewhere with cheaper house prices (though I'm not sure you'll find anywhere all that much cheaper).

I did feel at one point that my life was on hold - but once I realised I'd got in my head "I can't do X because I'd be spending the money I should be using for a house deposit" I got much happier. If I have to rent until the day I drop dead, so be it.

(I also find it helps to think that leases on flats are often only 99 years. If you 'buy' a flat, you buy the right to live there for 99 years. I've bought the right to live in my current flat for 1 year. It's the same principle, it just needs renegotiating more often).

I know what you mean and I know I shouldn't rush but when you see your friends already doing it, people from school already done it for a couple years you do feel a bit behind on everything.

I'll definitely be buying in this area, I'm not going too far from my Dad if I can help it, I'm close to work, close to the train station, and the remainder of my family. There's 2 houses right round the corner for 97k and I'd buy them if I could lol I just want that security of knowing that my landlord can't suddenly put up my rent or tell me to leave, and knowing I'll have the space to move my dad in with me if he needs to. My Mum died less than a year and half ago so it's just me, dad and the dog (and technically the bf) so I'm very much an 'in case of emergency' person and always like to be safe and cautious. It's something I do want to do in my lifetime and I'm in the best position to do it now, I would rather get it done as young as possible so I can live the rest of my life rent/mortgage free!

I know I'll need a lot of money and at the moment my income is very low and wouldn't be much better in full time but I'm going to see if I can do anything about that soon and just keep saving, hopefully bf will have a change of heart and join forces with me but I'll see where I am in 6 months

wannahouse

no1wf wrote: »

I'm not really keen on getting more qualifications it doesn't feel like they account for anything like they used to. Boyfriend has not long spent 3/4 years at uni and really struggled to find a job in his field. Granted it was a pretty awkward one but it still took him 9 months to get a regular job

getting qualifications and skills are the ONLY way you will increase your income, and ofcourse it counts for something!
if you want to take home a decent paypacket, you need to be doing something people want to pay you well for!!!

my dh earns a very handsome sum, and he has ben self employed for 17 years- works from home ,and he never stops learning new things and improving his skillset...knowledge gives you options and earning potential...

why not think of something you would like to do?
you can go to uni and become anything you set your heart on, or if uni isn't your thing, start the creative gears turning and start your own business...!
a whole life time of work on the tills is going to wear very thin!

no1wf

wannahouse wrote: »

getting qualifications and skills are the ONLY way you will increase your income, and ofcourse it counts for something!
if you want to take home a decent paypacket, you need to be doing something people want to pay you well for!!!

my dh earns a very handsome sum, and he has ben self employed for 17 years- works from home ,and he never stops learning new things and improving his skillset...knowledge gives you options and earning potential...

why not think of something you would like to do?
you can go to uni and become anything you set your heart on, or if uni isn't your thing, start the creative gears turning and start your own business...!
a whole life time of work on the tills is going to wear very thin!

I literally cannot think of anything, and the thought of going to uni and racking up debt just makes me think no one will lend me anything with student loans needing to be paid off. I can't even think of anything to set up by myself, everything costs money these days. And seeing the bf work his butt off for years to not be able to find anything is really disheartening too.

Sally22_2

I dont believe you need qualifications to get a decent job... But you do need to find a company where you can progress. Im sure you can in Tesco! I would imagine your next step would be Team Leader then I guess it would be Department Assistant Manager / Manager, then maybe Store Assistant Manager / Manager then go from there!

If you are a consistent hard worker with great customer service I am sure you will go far. I'm sure you can progress quite quickly as well

Just as an example, I personally left school at 16 with Cs and Ds on my GCSEs. Got a job for a well known high street company part time, went to full time, did a managerial role, moved branches and now I am am auditor/trainer with company car/laptop/phone. It took 7 years and lots of hard work but you can get there!

Good Luck x

GoldenShadow

no1wf wrote: »

I quite like my job, I only work on the tills in Tesco and do overtime on another department. Other department only has 3 employees, one of which is off for 6 months soon and the team leader is moving on to another department and I'm one of the very few who know how to do the job so there's lots of overtime going and I get first dibs. Plus it's about 5 minutes up the road which saves a lot of petrol and I like my staff discount lol I could try moving up the ladder in work maybe, the pay is a bit better for team leader jobs. Though as my boyfriend says it's the kid of job where I'm dispensable lol

I'm not really keen on getting more qualifications it doesn't feel like they account for anything like they used to. Boyfriend has not long spent 3/4 years at uni and really struggled to find a job in his field. Granted it was a pretty awkward one but it still took him 9 months to get a regular job

Express would be quicker to climb the ladder than Superstore. You have to be willing to move about though some groups are very spread out.

no1wf

GoldenShadow wrote: »

Express would be quicker to climb the ladder than Superstore. You have to be willing to move about though some groups are very spread out.

We're not an Express but I don't think we're anywhere near a Superstore we've only got 12 aisles, 13 tills (inc 1 basket till) and 4 self serve checkouts lol I've seen a lot of people move departments easily enough and also seen a few people move and then step back again if it wasn't for them. So I'll definitely be having a crack at it I think