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House Price Crash Forum


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About Fuchsia

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  1. Anyone have any idea how building regulations, planning etc would affect building something that small in this country, assuming it was mostly stationary? I'm actually quite tempted. I've had holidays on narrow boats and I wouldn't mind being in a small space if it was designed extremely well and had a big garden or green space nearby - most narrow boats seem to be designed a heck of a lot better for living in than new build flats etc, and I imagine these would probably have similarly sensible layouts. I've already looked into residential boats where I'm living, but moorings are pretty much impossible to get.
  2. That sounds like a really high figure to me. I've just sat down with a spreadsheet and added up all the things I can think of that I spend money on (apart from my addiction to buying books, which anyone sensible would avoid by just going to the library more!), and I'm coming up with a figure of around £600 per month after rent, bills, food, transport, medical costs (eg glasses), clothes, entertainment, cleaning stuff and so on and so forth. That's £7200 a year. I have the savings to prove I'm not spending much more than that, after luxuries like weekends away and buying christmas presents. I live in a rather expensive flat in suburban Manchester, so I understand that down south rent would be higher, but high enough to justify an extra £7k?
  3. What do you consider a suitable candidate? I'm currently studying and working in accountancy, so it'd be useful to get a range of opinions as to what is desirable. At the moment, I'm working in local government because I fancied the flexible hours while I'm studying, but the pay and experience are terrible in comparison to what I was doing before in the private sector and in practice, and I want to get back into something more worthwhile.
  4. They call it double science because it's equivalent to two GCSEs, as opposed to doing separate, whole GCSEs in physics, chemistry and biology. I did separate sciences at GCSE in school, and my friends who were doing dual science had incredibly simple and dumbed-down work to do in comparison to what we were given. I also heard a lot of complaints that the teachers didn't really bother teaching them because they knew that the students taking it were taking it because they had to, unlike our group who were doing separate science and were actually interested. I disagree that science is an unnecessary subject; it teaches analytical and critical thinking far better than most other subjects, in my opinion, and would you really want a whole generation growing up without a basic understanding of weights, measures, how the human body works, that the world isn't flat and so on?
  5. I don't think women in this society are really encouraged to be financially prudent or to think logically about these things. There is a lot of peer pressure, certainly amongst my age group, to latch onto a man who can provide security by being both financially successful and owning expensive objects, and you are looked down upon if you don't spend any (or more than) your available income on clothes, holidays, makeup, and so on. I think the general rule is that you should basically whore yourself out to the person who will bid the most for you and buy you whatever takes your fancy. It makes me cringe when the girls at work talk about how they've maxed out their overdrafts because they just had to buy that new top last month, but that they don't have anything suitable in their wardrobe to wear it with, and I've had friends constantly poking fun at me over the last couple of years for not having bought a house yet and/or not latching onto a man who would buy me a house. :angry: The last thing I want is a partner who makes bad financial decisions. If I had a man who bought me an overpriced house at the peak of the cycle and it represented more than a tiny fraction of our income, I'd dump him for being such an idiot.
  6. Hehe. Looking nice is good, but not when someone can regularly take half an hour to rearrange a small strand of hair and then decide their makeup needs to be done again. I have no idea at all how there's such a gender gap in what's considered necessary to look acceptable in terms of grooming time. Most of my male friends think longer than half an hour is excessive when getting ready to go out clubbing; a lot of my female friends think excessive is longer than three hours. May I ask you if you remove all your body hair? I find body hair on men a lot more revolting than on women; it tends to grow so much thicker. *shudders*
  7. Goodness, some of you are very sexist! Have you considered the following points? 1) If a woman spends hours every day making herself look artificially prettier, it may show a lack of common sense that she can't think of better things to be doing with her time. 2) If a woman devotes hours every day for the whole of her life to trying to artificially look prettier, she may not have as much time to study, and to become as well informed and financially literate as a man who just shaves and chucks on some clothes. 3) That women who act in a more financially and socially irresponsible way, who buy the latest clothes, insist on being flattered and pampered and generally act like children are rewarded with flattery and courtship, while women who are more independent and act like adults may have been overlooked by many of you as less sexually desireable. Personally, if I went for a partner who obviously spent an unnecessary length of time grooming, I'd expect it to be more likely that I'd have to compromise on some other aspect of their personality. Obviously, there are some people who manage both, but in my experience looks that require a lot of maintenance come at a hefty price; I've finished reading a lot of books in the time it's taken ex-girlfriends and boyfriends to get ready just to leave the house!
  8. I'm sure I read somewhere that global warming is likely to shift the flow of the gulf stream, resulting in the UK getting much colder even if average temperatures globally would be going up?
  9. I'm only making about £15.4k at the moment, and I'm managing to save about 75-80% of it. I don't have any real rental outgoings as I live with my parents and just contribute towards bills, so that helps! I have about three times my salary in savings, and despite obsessing about saving money, I buy everything I really feel I want. I'm trying to save enough money so that if house prices fall a decent amount over the next few years, I'll be able to buy somewhere cheap in cash in the slump. I think it's an ambitious aim, but I don't think it's unrealistic with how much I'm managing to save. I hope the crash happens, and preferably a little bit slowly for my sake, as I need to save up as much as possible beforehand!
  10. Not everyone happily spends £10 on pizza! £10 is half of my entire weekly food budget! If basic food prices go up by a few pence an item, it can make a huge difference to people who only buy supermarket own-brand and generally cheap foodstuffs. I had to practically wrestle several other shoppers to the ground today when the man came around to reduce the carrots. I've never seen so many people desperate for cheap vegetables!
  11. Wow, the entitledto website told me I could almost triple my income if I worked half of the hours I do now and had a child. Maybe I should reform my opinion about when would be a good time to have children. That makes it seem a lot cheaper than waiting until I could afford to pay my way with my actual earnings! Honestly, what's the point in trying to be financially responsible these days?
  12. It might help to ask your local council for advice; I'm sure they'd give you information on several of the points you've mentioned. The community safety / environmental health type department would probably know who to report her to with regard to the decking, piping, windows etc. The council would also be able to give you information about your legal rights, and tell you who to contact to find out more. Even if you don't want to actually go through with legal action, if you know what your rights are, it could make her act slightly better.
  13. I'd be *amazed* if anyone manages that for more than a month. I'm living with the parents and my outgoings are £35/week when I don't do anything but eat and go to work. Sooner or later you'd need to buy something like new shoes, or pay your electricity bill. I feel really sorry for all these young people; they're so desperate.
  14. I recently looked around a newbuild flat. When we left the place, I tried to open the door and the door handle came off in my hand (this was before I'd even pulled on it). The girl from the estate agent just laughed, and said "of course, that'll be fixed before you move in!" I don't know how she could realistically expect me to be interested in somewhere where things were falling apart before they'd even been used. I looked around another house (not a new build, but refurbished in new-build style) where the kitchen had been put in over the boiler, so that all the counters would have to be ripped out before it could be serviced, the skirting boards were falling off because they were just propped up, and "new floorboards" had been put in - judging from the moving lumps under the carpet, "new floorboards" probably meant thin sheets of mdf or cardboard chucked down without any fixing. The "developer" had the cheek to put these on sale for £3k more than comparable houses in the same road in much better repair, and with far nicer, albeit slightly older, decor.
  15. Hello, I've been lurking on here for a while and reading the discussions. My parents and I are looking into buying somewhere small for me as we have enough cash spare to be able to, and I don't earn enough to be able to rent in commutable distance of the area where I'm working without my basic living costs eating into my savings. However, having seen what prices are like, and having seen the graphs now and read up a bit, I don't think it'd be terribly sensible to buy either. I'm not in a huge rush - I'm living with my parents and am managing to save a large percentage of my income because of it - but it's having a big, bad impact on my quality of life in non-financial ways. I'm hoping that a substantial crash will happen, with the low point in a few years' time so that I've saved up enough cash to be able to own a decent percentage of any property we buy, or so that I could move somewhere cheaper and buy somewhere outright. If there isn't a crash, I don't know what'll happen; I'd really rather not be living with my parents forever - it's extremely hard to stomach being treated like a teenager again after having had so much more freedom at university. Realistically, I don't think it's possible for prices to keep going up at the rate they have been over the last few years; most of my graduate friends from south England have either had to move north to cheaper areas, or are reliant on their parents, second jobs or benefits to get by, or they're not coping and are heading into debt or are regularly unable to buy things like food. I think I'm the only person out of my circle of friends who's managing to put money towards a pension and savings. Goodness knows, if lots of graduates can't even afford to rent, how any FTBs can be expected to pay such ludicrous amounts for starter homes.
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