Need to start thinking about this malarky!

southernscouser

Kelinik wrote: »

Hiya SS

I don't really have anything useful to add but I started coming in here recently (am in the process of selling and buying, argh!!) and its nice to see a familiar face....well username but you know what I mean!

Hey Kel!

I hope it's somewhere bigger for the mices!

LouiseJ

Hey SS there is a party going on on DFW it needs some good looking men in there. You have to bring a bottle though! Hope to see you there later.

fc123

Hi SS, you post really good advice and support on the DFW board....had no idea you were 27 .
My advice would be.....Step 1 2 3......
1; Debt 0
2; Save like crazy.
3 Give yourself a deadline of 12 months, say, to see how much you have stashed.........you could promote yourself to the SAVINGS (yaaayyyy!!!) board (this will feel like a kind of promotion to me when I move on to there:D )
3; get a mortgage offer and hunt for first home.


Means having to stay at home for a while but you say it's free (pretty much?) so that's the trade off yes?
Or you could do a houseshare for a while if you want "privacy" but all you'll do is swap co-habiting with parents for strangers (and it'll cost you too).

Hope this is helpful...wanted to reciprocate as you have posted extremely helpful things on DFW board, that I have benefitted from....but you never knew.

My biggest tip is DON'T rush into homeowning. Trust me.

danm

where abouts do you live SS. i know London/Essex, but where exactly, (or roughly, dont want you to think im a stalker)

southernscouser

LouiseJ wrote: »

Hey SS there is a party going on on DFW it needs some good looking men in there. You have to bring a bottle though! Hope to see you there later.

I'll see if I can find any! Good looking men that is!

kitschy

southernscouser wrote: »

Is that just a ploy to find out where I live and how much money I've got?

Damn! Foiled again!

But I will have my own princess pad here, not a stinky boy pit so I'm not really after your money (and you have it on your sig, silly!).

But local search fees vary between local authorities, so it will make the quote a bit more accurate.

My answers may go downhill from here on in. I am on the booze. :beer:

southernscouser

fc123 wrote: »

Hi SS, you post really good advice and support on the DFW board....had no idea you were 27 .
My advice would be.....Step 1 2 3......
1; Debt 0
2; Save like crazy.
3 Give yourself a deadline of 12 months, say, to see how much you have stashed.........you could promote yourself to the SAVINGS (yaaayyyy!!!) board (this will feel like a kind of promotion to me when I move on to there:D )
3; get a mortgage offer and hunt for first home.


Means having to stay at home for a while but you say it's free (pretty much?) so that's the trade off yes?
Or you could do a houseshare for a while if you want "privacy" but all you'll do is swap co-habiting with parents for strangers (and it'll cost you too).

Hope this is helpful...wanted to reciprocate as you have posted extremely helpful things on DFW board, that I have benefitted from....but you never knew.

My biggest tip is DON'T rush into homeowning. Trust me.

Let me guess. You thought I was about 40 aswell! :rolleyes: :rotfl:

Thanks fc for the kind words.

See this is my dilemma. Everyone says stay at home and save and I know it's good advice and I would say the same to others.

But

I feel like I've put the last 2 and half years of my life on hold to pay off my debt (my fault I know) and I don't want to put it on hold any longer. Now if that means paying more in the longer then I'm happy to do that.

Whatever I decide I know I'll move out. It's just whether it's renting or buying! :undecided

southernscouser

danm wrote: »

where abouts do you live SS. i know London/Essex, but where exactly, (or roughly, dont want you to think im a stalker)

Lets say Barking & Dagenham borough!

Looking a bit further afield though I think. Either up the A127 or A13! :think:

southernscouser

kitschy wrote: »

Damn! Foiled again!

But I will have my own princess pad here, not a stinky boy pit so I'm not really after your money (and you have it on your sig, silly!).

But local search fees vary between local authorities, so it will make the quote a bit more accurate.

My answers may go downhill from here on in. I am on the booze. :beer:

Nowt wrong with a stinky boy pit!

Don't forget to post semi naked pictures.

danm

you need to weigh up the travel costs with moving further afield tho.

as an example, ticket from say the heathway to central london is about £1200 a year...move up the A13 to say thurrock and i'm fairly sure its more like £2500. another £100 a month or another £20,000 on a mortgage.

have you thought about part buy part rent?