Daily Chat Thread 13th March

immoral_angeluk

barnaby-bear wrote: »

I thought you could get that next door :rotfl:

That's true! They've got too much as it is!

(Land_of)_Maz

immoral_angeluk wrote: »

That's kind of our problem. Our house is my no means massive, and the girls have to share a room but it's fine for us while the girls are small and the rent is only £307 a month with a decent size back garden.... (notice the no mention of GRASS!)

Can your housing association not waiting list you for 3 beds in a similar area now? I know it's not overcrowded as such cause you have 2 girls but they could get you on the list and you might get something bigger sometime on the same kinda basis.

I know there is always more demand from families for 3 beds, but you might get lucky. Just be choosy about your areas and you never know, you can always say no to any offers if you're not happy with them.

Burlesque_Babe

Makes this place seem a bargain really! It's 2 miles, 1 postcode (I'm BH15) and 1 whole different life away from me! The water's edge next to it is where I walk my boy.

http://www.rightmove.co.uk/viewdetails-8773839.rsp?pa_n=1&tr_t=buy

Snaggles

Is that just a garage Gemmzie?! :rotfl:

immoral_angeluk

Maz3374 wrote: »

Can your housing association not waiting list you for 3 beds in a similar area now? I know it's not overcrowded as such cause you have 2 girls but they could get you on the list and you might get something bigger sometime on the same kinda basis.

I know there is always more demand from families for 3 beds, but you might get lucky. Just be choosy about your areas and you never know, you can always say no to any offers if you're not happy with them.

I don't really see much point... I'd rather our next move be into our own house rather than having to start again from scratch in something that we'd probably have to wait just as long for anyway!

Snaggles

Keren, that's gorgeous! It looks just like a fairytale house or something.

Gemmzie

Snaggles wrote: »

Is that just a garage Gemmzie?! :rotfl:

Noooooooo it's listed as a house :rolleyes:

immoral_angeluk

barnaby-bear wrote: »

Half regrets we never exploited renting - we wanted to stop renting ASAP because of the sh1tty landlords and hassles but if we'd have viewed the positives why didn't we go and live 6 months in London then Sydney then Paris rahter than a rather cr&ppy council estate? In my retirement I'd like to think we'll take on a series of 6 month rentals, the Italian lakes, Portugal, the Almafi Coastline - fancy myself as Byron.....

I have the solution!

(Land_of)_Maz

keren29 wrote: »

Makes this place seem a bargain really! It's 2 miles, 1 postcode (I'm BH15) and 1 whole different lives away from me! The water's edge next to it is where I walk my boy.

http://www.rightmove.co.uk/viewdetails-8773839.rsp?pa_n=1&tr_t=buy

i bet it looks shiite on a not so sunny day!

:rotfl: :rotfl: at garage gemmzie!! you said 10K i thought it was a typo!

Toto

Seriously though, I'm still ummming and ahhhhing over buying a house right now. The house we rent is ok, a bit small and tatty but it suits me. And ok, we pay a grand a month off of the landlady's mortgage but aren't too worried about security, she's just tied herself into a 3 yr discounted btl and has no plans to sell, she doesn't care what we do in terms of decorating etc, and we pretty much leave each other alone. I get on really well with her and it's a good arrangement.

on the other hand, the house is a bit small for us, it's only 3 bed and we could do with 4. I love that this place is a town house on 3 floors, the ground floor being just office and utility room with the garage so that's our seperate work/mse area. The problem is I'm not sure the moneysaver in me is very good at renting. The carpets in this place are old and shabby and daily I walk around thinking if this place were mine I'd rip this out, knock this down, build this and that. I'd love to rip out the flooring and lay hardwood which is what I'd do, but obviously not in a rental. But a lot of this is want not need.

I do know we can afford the house easily. We are lucky that we have a great income and if we stopped flippin flitting over to the states every 5 minutes we could pay it off well before the mortgage would end. But then, getting a mortgage won't be cheap, the early days of the business ruined my credit record and ok, it's all paid off but I look like a dodgy bet on paper with what was 65k of defaults.

So, I'm torn. I could stay here and carry on saving hopefully one day buy a house cash with no need for a mortgage but paying rent in the meantime. or I could jump in now, take the hit on the interest rate until we look more prime and overpay every month instead of saving knocking the term down as we go.

I really don't know what to do and usually when that happens I do nothing until it all becomes a little clearer.