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English Rose

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Everything posted by English Rose

  1. I think it's even simpler than that. The average woman spends more time in the home and has less responsibility for paying the bills. Therefore she's more likely to push for a nicer house. In couples with a female breadwinner, where those roles are reversed - like me and DH - it's the bloke pushing for a nice big house. All just personal observation of course. I've not seen any more financial acumen among the men than the women out there in the last few years, the vast majority of people just follow what they read in the papers. X-Quork and Worzel - glad to see not all the guys out there are knuckle-dragging Nuts-reading morons Rachel
  2. All the mystery I need is right there in trying to understand something like time. Quantum mechanics, now there's some weird voodoo. God, I'm with you on that one - half way thru 'The never ending days of being dead' atm and my head's reeling. Suddenly that fairy story about a talking snake giving away apples make a whole bunch more sense as an explanation of how we came to be Rachel
  3. Happy to second the viewpoint that alternative medicine's a bunch of cobblers (and recommend 'Bad Science' as the greatest read of the year). So, now a challenge to the males out there - any bloke able to agree that women are actually real human beings, some of them complete economic f*wits and some not... just same as men? As opposed to the one-dimensional stereotype of an airhead gold-digging nail technician that you lot drag out every time women are mentioned? Rachel
  4. We've got contracts to tide us through the next 12 months at work but people are worried about what will happen then, and tell me they're paying their cards and loans off. I've got a gut feel that this won't stop even with the ir fall. I also put this on a thread in the anecdotals - Halloween was massively credit crunched round our area - last year was a riot of costumes and decorations and this year there were a few sad little pumpkins sitting on doorsteps Rachel
  5. Agree re the quiet Bonfire Night and Halloween was credit crunched as well. There's a street near us (teeny little newbuild houses with giant plasma TVs... you get the picture) that's always been great for the kids to trick-or-treat - everyone's always gone mad putting up halloween decorations and given out tonnes of sweets. It was dead this year (if you'll excuse the pun). Shame, they're nice people down that road. Rachel
  6. Outright owner of a small house and a VI for prices to fall so that I can a) buy a 'proper family home' and not see my kids screwed by unaffordable housing. Rachel
  7. Um, I think they just might have cleaned up before inviting the BBC camera crew in .... and they've found several decades of rubbish in that place, it wasn't really frozen in time with all its stock intact as at the date the place closed .... After all, if you were going to go to all the trouble of creating a fake 'frozen in time' illusion you wouldn't mix stuff from the 30's with stuff from the 70's, would you? If you go through my house you'd find several decades of rubbish a bit like that Rachel
  8. That always makes me giggle. Mmmm, houseprice falls stable at over 1% a month... every hpc'ers dream! Rachel
  9. I've been thinking since 2003 that something nasty would happen and there would be a crash, but I've been so long waiting that it's all taken me by surprise! Also there's a helluva difference between logically concluding that something's going to happen, and actually living through it. Up to the end of last year there was absolutely no point trying to explain to most people that prices might go down. In fact its kind of strange how 100% confident people were. Rachel
  10. Mr Parry hope you get back on your feet soon as poss that sounds sh*t. I have perm damage to my health too and I'd give all my dosh to have my health back! I don't if that helps, OP... Oh and having a daughter is the best thing ever! Rachel
  11. It was the same in the early 90s. Unemployment rockets, bills rocket, houseprices plunge, but still most people are working and spending. We haven't really got to the unemployment rocketing bit though. Yet. I'm seeing some changes in behaviour though, people talking nervously about needing to pay the cc off etc. They can see others getting laid off and not being able to find another job. Rachel
  12. The UK's a great place to live. Like Elizabeth I've got a choice and I've chosen to live here. Public vs private sector... read 'The Affluent Society' by JK Galbraith. The public sector gives us education, health care and clean(ish) streets, the private sector gives us McDonalds and debt-pushing banks. (No I don't work in the public sector). If you're health, be happy! I got a diagnosis a few weeks ago which made me realise, very suddenly, that anything I'd previously thought was a problem really wasn't. Get out there and enjoy life while you've got it! Rachel
  13. I remember the Economist running a whole series of articles about how this was all going to go horribly wrong in 2003. Rachel
  14. Couldn't be bothered to read the whole article but it looked like the usual load of [email protected] from the Mail. Everyone knows that the way to attract blokes is to totter around on high heels being ditsy. That sure as hell isn't my 'authentic self' though Motherhood's great, no doubt about it, best thing in my life... BUT... if I didn't have my career to pay the bills we'd be sunk as a family. Rachel
  15. Not too much change yet - just small adjustments - shopping at Asda instead of Waitrose, that kind of thing. I got a good pay rise this year which compensates for the rises in petrol etc. If I lose my job (quite likely at some stage) that's when everything changes. Rachel
  16. Well, I'm not expecting Armageddon just yet but I wouldn't be at all surprised if I lost my job in the next 12 months so... No debts, saving (across as wide a spread of accounts / National Savings as poss), CV updated and ready to go, brushing up on the skills employers are going to be needing most (ie managing downsizing), Canadian passport at the ready... I do the sewing, breadmaking thing but more for fun than anything. Keep meaning to set up an emergency food store - we already store water. If anyone knows of a good book re making your own beer let me know! Rachel
  17. My circumstances are a bit unusual, I'd paid off my mortgage (on my starter home) by 2003 and because prices were already insane in the SE by then I made the decision to stay put and save the equivalent of a mortgage payment each month. I'm now in the position that even if prices stayed the same as they are now I could buy and have a very small mortgage. OK that is unusual, but as prices were unaffordable by 2003 I'd expect that in real terms they will fall well below '03 levels in the SE, so if you've rented (at pretty much the same cost as mortgage interest payments) and put savings aside during the last five years I can't see that you're going to lose out. Rachel
  18. Who do you think you are kidding Mr. Darling? If you think we're on the run, We are the boys who will stop your little game. We are the boys who'll make prices crash again. 'Cus who do you think you are kidding Mr. Darling? If you think HPC's done? Brill
  19. "Imagine how much better Britain would be if every Daily Mail reader got a free passage to Canada. All the whingers gone in one go. Brilliant". Good one, like it. Just not to Canada, eh? North Korea perhaps I came over from Canada when I was little and I've chosen to stay in the UK. Whenever I go to London I think this is just soooo good, I'm meant to be living in some little prairie town, and I'm HERE. I've thought very seriously about going back because of the whole will-my-kids-have-a-future thing but if house prices keep on falling hey, maybe they can be English and have a home and family. That bloke in the Mail article made me laugh though. NOT MUCH SNOW IN SOUTHERN ALBERTA IN THE WINTER! Er right, OK... House prices in the west of the country are ridiculously high in any place you're likely to find a job and generally the cost of living is pretty high. House prices are much more reasonable in eastern Canada than they are in the UK. Wages aren't high in general and there's very little job security and long hours. On the other hand most Canadians do have a very good standard of living overall, you get the scenery, the sport etc... all my Canadian rellies just love it over there (they're a mix of born Canadians and immigrants from various places). Rachel
  20. Nearly reached my third HPC birthday! I thought prices here in the SE were pretty screwy in 2001. Over the next couple of years most of my friends left the area for somewhere cheaper. In 2003 people locally were talking about house prices being insane and the Economist published a 'special edition' warning of a global house price bubble, and I've been digging in for a crash pretty much since then, though it took me a couple of years to find this site. What scares me is that I can remember how people with good jobs were struggling to afford the prices even before 2001.... Rachel
  21. I stuck at having just the two kids, I'd have loved more, but we're overcrowded as it is! We carried on living in a very small house, and DH works much longer hours than we'd originally intended when we had kids. BUT I'm now much more clued up about money and investments and have a nice big pile of savings waiting til the price is right, and I'm passing what I've learned onto the kids - they're both at junior school but they know what shares are and that debt is bad. Last year I was very seriously looking at emigrating for the sake of the kids. Fingers crossed we won't have to. Rachel
  22. Summer bookings at DH's work are right down. There are very few jobs being advertised in my specialism. Yes, another one here noticing loads of cars with for sale notices in the window! Still no luck getting a builder though... Rachel
  23. From memory (and I was young at the time)! there was nothing like the media coverage we've had in the past few weeks. People hadn't lived through the same kind of drop in nominal house prices and the price falls were completely unexpected. This time round people remember the early 90s and they're making the comparison. Rachel
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