Anyone else in the same boat as me?

fuzzgun19

I know what you mean.

We would love to own our own home, im in my 30's, hubby in his 50's, and renting at the moment.

As the deposit's/ mortgage payments are so hight now, we have just resigned ourselves to renting for the rest of out lives..

Nothing we can do short of robbing a bank lol

People that bought homes 10 years + ago, are in my opinion very lucky.

Running_Horse

lieutenant_dan wrote: »

Relevance of people starving to death to my circumstances or my attitude? And when did I say I'm the worst off person in the world? Just saying I'm craving a bit of security, and that's what it's come down to, if I'm willing to make a few short term sacrifices.

Then I suggest you rent a spare room as a lodger and pay no bills. The relevance is life is really what you make it, and you are incredibly lucky to be alive in the only era in history where you will never suffer from malnutrition, or be forced to lay down your life for your country. If you want it badly enough, you will find a way. I did, despite a terrible start in life.

lieutenant_dan

Should also say have lived in bedsits before, and had many bad experiences with this. A lot of it is pure luck as to who shares the place with you, and there's a high turnover of tenants often, so you could start off with OK people in the house, and then get some dodgy ones in there later on.

So that's why I'm reluctant to go back to that lifestyle (also being trapped in the 4 walls) even though I have to to get where I want to be sooner rather than later.

financegirl

Running horse

Why the hell are you bringing starving kids into the equation?????

Dan asked a simple question, if you haven't got anything useful to say, buzz off and pot kettle black...you said I've had a terrible start in life!!!

We've all got our problems, but have to deal with them.

I think dan should defo go into a house share all inclusive, save as much as you can, do overtime get a second part time job or you could even move home!!!:eek:

Just imagine dan,,in a couple of years you'll be sipping a cool beer in YOUR living room, in YOUR home...(unless you're teetotal!! lol)

Stay focused and save, you can do it!!!

lieutenant_dan

thank you to fuzzgun, livalicious and financegirl for your responses and advice.

I was beginning to worry this thread was being overtaken by complete tools until that point!

No, it's not the end of the world if I have to downsize, and problems are relative and come in various degrees, but get a grip, I mean you don't have to look far on this forum to see people with "problems" such as not being able to rent out their fifth buy to let home etc.

I am talking simply about the problem of not being able to buy a property at my age, and the sacrifices I have to make to do it, sacrifices many in previous generations would not have had to do, but such is the lunacy of the current housing market.

I like the sound of sipping a few cans in my OWN living room finance girl, that day just seems so far away :rolleyes:

Running_Horse

lieutenant_dan wrote: »

I am talking simply about the problem of not being able to buy a property at my age, and the sacrifices I have to make to do it, sacrifices many in previous generations would not have had to do, but such is the lunacy of the current housing market.

Are you sure about that? You have no idea about the sacrifices every generation has had to make; my parents-in-law lived in a caravan for years before buying, but they didn't complain. I have already told you the sacrifices I made, but you chose not to listen. You are not as badly off as you think.

lieutenant_dan

I know that at no time in recent times were average house prices as much as NINE times the local average salary.

This debate has been done before on here, but the point is homes were attainable to previous generations, even if sacrifices undoubtedly still had to be made, and we're talking houses here, not flats. Can you really say flats (that's flats, not houses) are within reach of average wage earners here? What are you supposed to do, have no life for years just to save for an overpriced home? Seems like it.

Been many examples of average wage earners buying houses in years gone by, unheard of in this current market.

financegirl

Running_Horse wrote: »

Are you sure about that? You have no idea about the sacrifices every generation has had to make; my parents-in-law lived in a caravan for years before buying, but they didn't complain. I have already told you the sacrifices I made, but you chose not to listen. You are not as badly off as you think.

Sorry..but you sound like my 80 year old nan..it wasn't like that in my day dear......:rotfl: :rotfl: :rotfl:

Don't be offended..just a little joke..this thread is getting VERY serious and deviating from the original question!!

MORPH3US

If you earn a "decent wage" then why can't you afford to save a deposit?

What do you spend all of your cash on?

I think you need to sit down and do an SOA and see where all your money is going then cut back.

M

lieutenant_dan

And one more question for you running horse, with all the cutbacks, sacrifices and will in the world, if the figures don't stack up, it won't make a lot of difference, could you have made all these sacrifices you spoke of and still afforded your own place in the current market? Honestly? You say you eventually bought a few years ago, well the market was significantly lower back then.