We can't afford to live together and have children

mije1983

JPB156 wrote: »

I'm now seriously considering moving jobs

I don't know why you weren't considering this before really. I had to move when I bought my first house due to being priced out of my local area, as I'm sure a lot of people do.

If you are both on around NMW and in jobs with no chance of progression then a) you probably won't have much problem finding a similar one somewhere else (by that I mean your job probably isn't specialist so isn't a narrow market), or b) it could get you into a job with more pay and more career progression.

It appears that living with your parents for so long has made you unable to make a firm decision.

arbrighton

OP, not sure who you're talking to, but holidays and TV packages are a bit different to ALL the bills, shopping around, changing suppliers, making sure everything is paid etc.

Who are you saying is 'judging you'

mai_taylor

JPB156 wrote: »

I've already taken out holidays and TV packages, I'm fine with freeview and dvds. And we both have sim only deals which come to 20 a month for both of us so again feel your judgement a little unfair

Then you're fine, you can afford it, why haven't you bought it already? If you really wanted it you'd be doing it.

JPB156

It was to mai_taylor as they said they cut those things out and doesn't believe I would

mai_taylor

JPB156 wrote: »

It was to mai_taylor as they said they cut those things out and doesn't believe I would

I didn't say I didn't believe you would, are you even reading what people are telling you? I'm saying there are ways in life to get what you want, if you move and it is more expensive than you think then there are sacrifices that you can make to bring your bills down or if you want to save more money in case something bad happens in the future then you can cut back to save.

Honestly I'm going to stop feeding the troll now, you sound about 12 not 35!

JPB156

Yes but there's obviously a line, if the mortgage was to go up to 1800 for example we wouldn't be able to cut enough and lose the house, that's what I'm trying to establish do I need to factor in a rise to that sort of amount

gettingtheresometime

https://m.youtube.com/watch?v=KdQbb3FXSEI

All the advice you'll ever need

silverwhistle

I bought on my own when houses were a much smaller multiplier of salaries, but it's not as if I don't appreciate that. I actually passed my driving test and bought a banger _after_ buying the house. Then interest rates went up to around 15%, but I survived and prioritised what was important to me. I've never had a colour TV, but I didn't miss a year's skiing holiday.

How about having a lodger for a year or finite period whose end you can look forward to? Or take part time jobs on the same basis, so that you pay down your mortgage a bit. Take every training course going at work to show off your interest and abilities. Your comments on here don't reveal a particularly dynamic person, and nor am I for that matter, but perhaps jumping in on this matter will help.

As for living costs, just look around generally on this board. I'm sure you can use a spreadsheet so make one up with all the costs you'll have. Plenty of Statements of Account on here to give you the idea.

It really is like swimming in cold water. It's unnerving waiting to take the plunge but after you're in and thrashing about a bit you'll wonder what took you so long.

Guest101

JPB156 wrote: »

Yes but there's obviously a line, if the mortgage was to go up to 1800 for example we wouldn't be able to cut enough and lose the house, that's what I'm trying to establish do I need to factor in a rise to that sort of amount

Your mortgage would have to go up above 10% for that to happen.


Don't you think you would remortgage?


(no you don't)

mije1983

JPB156 wrote: »

do I need to factor in a rise to that sort of amount

Who knows? Nobody has a crystal ball!

Maybe interest rates will rise to 15%, 20%? Or maybe they won't go above 3% for the next 100 years? But getting a longer fix as has been suggested will reduce that immediate impact and enable you to build up more equity before you ned to re-mortgage.

There's being risk averse but you take it to a whole new level.

I think you'd be a nightmare buyer to be honest. I dread to think what will happen when you buy and decide to get a survey. All the possible 'issues' will have you running a mile! Actually, on second thoughts, maybe don't get one!

Although having said that, I don't think you will ever move out of your parents unfortunately.