We really can't afford the house we want/need will things get better for us or just forget it?

mrsmortgage

I've made peace that I'll never have the same standard of living that I had while growing up, but at least I want to give bits of what I enjoyed to my children. 

SameOldRoundabout

I am not sure what you want people to say. You simply cannot afford what you want while maintaining all your current luxuries and lifestyles. It is that simple. 

Compromise, give something up, or stay put. 

jennystarpepper

mrsmortgage said:

I've made peace that I'll never have the same standard of living that I had while growing up, but at least I want to give bits of what I enjoyed to my children. 

I understand what you mean, but maybe family can rent / Airbmb when they visit?  Can you go without a holiday for say 2 / 3 years to save extra, it's not unreasonable to go without things many consider a luxury to get what you want. 

It is good for children to learn lessons in giving things up for something they want... missing a holiday for 2 / 3 years for your own room, it teaches them valuble life skills.   No parent wants their children not to have things like holidays, but sometimes you have to make cuts. 

mrsmortgage

jennystarpepper said:

mrsmortgage said:

I've made peace that I'll never have the same standard of living that I had while growing up, but at least I want to give bits of what I enjoyed to my children. 

I understand what you mean, but maybe family can rent / Airbmb when they visit?  Can you go without a holiday for say 2 / 3 years to save extra, it's not unreasonable to go without things many consider a luxury to get what you want. 

It is good for children to learn lessons in giving things up for something they want... missing a holiday for 2 / 3 years for your own room, it teaches them valuble life skills.   No parent wants their children not to have things like holidays, but sometimes you have to make cuts. 

but reallistically if we dont go on that holiday, it wouldnt only take 2-3 years, the holiday would take one extra year too. And they haven't been on one for the past 3 years, which to mee is sad 

mrsmortgage

SameOldRoundabout said:

I am not sure what you want people to say. You simply cannot afford what you want while maintaining all your current luxuries and lifestyles. It is that simple. 

Compromise, give something up, or stay put. 

The other thing to remember is that for the past three years we haven't had the best quality of life thanks to my underemployment. We want some breathing space too and be able to celebrate that extra cash in a way.

catshark88

mrsmortgage said:

SameOldRoundabout said:

I am not sure what you want people to say. You simply cannot afford what you want while maintaining all your current luxuries and lifestyles. It is that simple. 

Compromise, give something up, or stay put. 

The other thing to remember is that for the past three years we haven't had the best quality of life thanks to my underemployment. We want some breathing space too and be able to celebrate that extra cash in a way.

Talk about wanting the moon on a stick! You want to move, you want breathing space, you won't compromise on space or location or current lifestyle and you won't sell a home abroad as your Mother would be cross. The MSE forum is good but we can't work miracles!

mrsmortgage

catshark88 said:.

Talk about wanting the moon on a stick! You want to move, you want breathing space, you won't compromise on space or location or current lifestyle and you won't sell a home abroad as your Mother would be cross. The MSE forum is good but we can't work miracles!

I don't have a current lifestyle, I only just got my new job. I’ve only had one full paycheck so far, I just want to enjoy this "new lifestyle" for some time. 

SameOldRoundabout

mrsmortgage said:

catshark88 said:.

Talk about wanting the moon on a stick! You want to move, you want breathing space, you won't compromise on space or location or current lifestyle and you won't sell a home abroad as your Mother would be cross. The MSE forum is good but we can't work miracles!

I don't have a current lifestyle, I only just got my new job. I’ve only had one full paycheck so far, I just want to enjoy this "new lifestyle" for some time. 

So why are you determined to move house yesterday?! Enjoy it and stop worrying about the house unless you’re going to lower your sights or sacrifice something, whether it be holidays or bedrooms or foreign property! (Which if it’s taxed should be classed as income, if it’s not you should be very careful as HMRC will take a dim view of this when they find out, and they likely will at some point as they have so many third party info sources!)

mrsmortgage

@SameOldRoundabout it is considered an income by HRMC, I pay taxes but for mortgages, as it's an income in a highly volatile currency they don't take into account. OZ, NZ, Europe, The US, Canada, no issue. LatAm/ General developing countries won't be taken into account. They are separate things to the eyes of lenders. 

sharp910sh

mrsmortgage said:

@SameOldRoundabout it is considered an income by HRMC, I pay taxes but for mortgages, as it's an income in a highly volatile currency they don't take into account. OZ, NZ, Europe, The US, Canada, no issue. LatAm/ General developing countries won't be taken into account. They are separate things to the eyes of lenders. 

Think you are stuck mrsmortage. Just stay put.