lampkin

Conformity rules, nobody can escape it. People who think they are non conformist are always the funniest, non conforming conformists...

Interesting... I am 23, a recent gradutate (ed: well, just under 2 years ago and still paying off bank debt) and very very broke...

*Feels blood boiling and decides not to read on..*

What does it mean "No Chain"? He's selling up because he has split with his girlfriend...They bought it for £160k less than two years ago (37, SK4 3DD).

Can't believe it, this house has gone up for £180k! http://www.rightmove.co.uk/viewdetails-455...pa_n=4&tr_t=buy It's two bedroom and in stockport..Jesus, this world has gone crazy. They have already got a viewing next week too?! The landlord will give us two months notice though... Ah well, time to move on again. Oh the fun of getting screwed over by yet another letting agency with all there damn nonsense fees...

After 2 years as a nurse on an ALU my girlfriend earns about £19.5k. The highest paid nurse on her unit earns about £28k i think..I know of no nurses earning £50k..

What about this person: http://www.dailymail.co.uk/pages/live/arti...in_page_id=1770

haha, good one!

If this was true why would the housing turn over be the lowest for 30 odd years? Rightmove certianly isnt showing a shortage either..

Thats an interesting idea, what kind of affect do you think this would have on first time buyers? or the housing market in general? How many people these days buy a house with any deposit at all? I had financial advice over the weekend and noticed a 100% mortgage consists of something like a 90% mortgage and a 10% loan..is that factored in to the figures?

I think reading the general headlines answers your question..I doubt myself these days, i give up i think i will just rent forever.

I had financial advice last friday, over £1000 for a 25 year repayment mortgage on my rented house or £730 for an interest only mortgage. Current rent is £625..That guy is off his ******ing trolly!!

Isnt that 50% of first time buyers? I tried to get some money out of my parents for help with a deposit, it would have been the only way i could "get on the ladder". Turns out they have spent all their money moving to spain...oh well. I had an estate agent around valuing this house i currently rent (land lord is selling up) yesterday. I asked him how things are "dead busy", "best get your foot on the ladder", "houses are going to rise a lot this year", "interest rates fell recently". I ******ING HATE ESTATE AGENTS!!! smug greedy bastards who couldnt give a shit about anyone else. Anyhow, from this day on i now declare myself a bull. House prices always rise! Theyre like a cashpoint, everyone should buy a house! we can all be rich! Get your foot on the ladder before you miss the boat! It's funny how a year later we are still being told we have missed the boat? i expect people were saying that in thee mid to late 90s..and in the previous crash..

So how does this country actually make money?

Where i get lost is with this coutries obsession with getting everyone to spend money. I was speaking to a phone banker about bad debts, he felt that people have to spend to keep the economy going. Perhaps i am thick but isnt the idea of an economy fueled by spending pretty much a perpetual motion machine? I don't understand much of this economist talk but surely to bring real wealth into a country you need to have good exports?!? Perhaps someone could point me to an idiots guide or something..?

It's a common one, but i would rather die knowing i lived by my own means and not that someone else would have to pick up my bill. The lack of respects people have for each other these days is astounding.

I dont understand how bankruptcy works but the impression i have been given is you rack up tons of debt, then go bankrupt for a year and start racking up some more? How does it work? Are people really allowed to borrow as much as they want, declare themselves bankrupt and then carry on their life without paying back any of that money? Even if they were never allowed to borrow money again, it's still a damn good deal? Please correct me where i am wrong??

The average wage i read last time outside london was £23k.

Average wage of £26k? In London perhaps?

I think the problem is a lot of people don't want to wait around. They look around and see all prices at this price and think its the norm. Everybody is telling them to borrow and everyone says theres no risk and in 5 years time they will have made a few grand...

Was this thread meant to go this way or has it badly backfired on the poster?

I am lost by this whole thing to be honest. A friend just mentioned this to me, worried that all the cheaper houses will now be in greater demand and will rise in price. To me it just seems like the market is now full of holes, the bottom has fallen out and people in the middle cant manage what they have.

Yes, my neighbour has turned his cellar into a computer room. Would love to do that... We went looking for houses to rent today, choice is very poor. I phoned up about a house that is a street down from ours and looks like the same build. The house wasnt decorated as nicely and the estate agent i phoned about it was a very rude miserable ****. oh well..

Similar situation here (both 23, no kids though), i just got a new job though an my contract says i am not allowed to do any other job whilst in this one :|

6 months now.