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Money Frugality

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Everything posted by Money Frugality

  1. I love this quote. However, millennial, 27.. Yorkshire, degree, house, saving and investing (ISA) for retirement or general lavish expenses and employer doubles any contribution. I don't believe the private pension access age will still be 58 since its pegged to 10 years sub state pension hence the ISA. Spreadsheet says I *could* (operative word) retire 'early'. My point being which again can't be vocalised except to like minded millennial and old croggers.. I'm sorry but stop feeling pity to this generation its really not necessary whatsoever. Our generation was brought up with a ridiculous sense of entitlement and lack of ethics which is what has contributed to this pathetic woe is me mentality. If we should be blaming the boomers and subsequent generations for something its the ones who road the coat tails of the easy gains and pensions and passed down this, it'll all be alright, just do whatever makes you happy (ie do fk all to better yourself) attitude to their offspring. I dont do what the majority of my generation do.. They complain but then consume heavily; everything. They make shit choices.. We all have choices. The lack of accountability within my generation be it personal, professional or proficiency in finance, they simply can't take they are in control of their life. It's always external factors contributing to their lack of drive, success or opportunity. The focus is on woefully insignificant social causes that really are symptoms of a variety of broken systems anyway. But seriously, I do really like that quote
  2. Stereotypes exist for a reason. So what’s your real world experience with the working class on a deeper personal interconnected level?
  3. I don’t think the ‘working class’ are all criminal..
  4. The fact that trackers are more expensive than a 5 year fix at 40% ltv tells me rates are going DOWN.
  5. Agreed as well.. Bought a Rolex, Range Rover and currently paint and tiling the house.. F***, I thought I was always against the tide..! Still investing and saving each month though so what the heck.. I’m like the only 27 year old who doesn’t go out drinking every weekend. My weekends are either painting, doing something productive or err making use of my dining table. Gym 5 days a week but smoke like a chimney though.. All in moderation 😂
  6. Firstly, agreed.. The simple fact that banks are still prepping for negative and mortgage rates are cheaper for a 5 year fix than it is for a variable rate clearly shows which direction rates are going.. Look through inflation, let it rip, whatever, rates are not going up for a few years. Better hold onto your hats spenders because beer and Freddos are set to be extortionate. Edit: Not going up significantly ie .5%-1%
  7. Range Rover Evoque - diesel 2013 - cash (15k) spent about 1.5k making it into a black pack model. Priv reg gets rid of the plate snobs and paintwork is still fab for age. Drive approx 5k a year, wfh mostly in future and office is 3 miles away.. Also have a Kawasaki Ninja 636 sport bike so… Go fast. Plan is to keep it until forced into an electric car.. Charge off solar in day time.. Solar panel lease ends in 6 years and will opt to keep the install. Potentially better RRs electric used prices by then without the s**** gearboxes and other rubbish.
  8. Been seeing this as well.. 2006 ZX6R £500-£1000 more than I paid in 2018, pity, the Big Bang R1 I was going to buy has also gone up by a similar amount 🙄.. Ah well.. I’ll just re-tile the house instead at least I’ll make more money on that.
  9. I’ve had one for about 9 years.. One chance at getting one to be fair unless you want to pay a premium, my motorcycle doesn’t have one because tbh.. No one cares with bikes because a sports bikes a sports bike as long as it looks nice. It removes the virtuous behaviour however of ohh so and so’s got a brand new 21 plate etc.. It doesn’t matter, as long as the cars looking and running sweet, age is just a number.. Kinda like cougars 😂?
  10. This.. I read this earlier today and was pissed off.. Firstly this is not going to be the cheap cost everyone thinks, any opportunity to fleece will be taken. How is this going to be tracked? Oh yeah, trackers, blip the speed limit? Instant ticket. Don’t give me any ******** about oh you shouldn’t speed, stop lying to yourself. You know you did it, take the virtuous behaviour and shove it up your tailpipe.. Oh wait, electrics don’t have them. Rant over. I feel liberated.
  11. Lol at this all; this thread is fantastic 😂.. Didn’t you decide to be celibate in another thread? Quote: I want phuck you money, not shaved kitties
  12. No matches on tinder lol Does nobody remember Fátimas next job could be in cyber and everyone lost their shit about it.. Government push to get in this particular case, women into tech.. Apparently it’s still uncool to work in tech..
  13. No; I know professionals in tech who don’t have a degree and worked in industry since 16.. Pays alright-ish, wealth; different story Uni debt doesn’t in reality cause a massive difference long term for a normal person who doesn’t invest etc like the majority of boomers will have fallen into that category. Unless you’re trying to retire early or accumulate wealth then yeah, it makes a difference but only because of compounding.. The fact is, boomers had it easy, any one who thinks otherwise really is deluded. There is nothing to warrant such a big disparity especially when compared to gen x
  14. Not seen one of those since I was a kid! What’s a house price crash again?
  15. Aldi & Asda are your friend.. Same price for 3 years.. Also can someone start a poll of guesstimating the inflation figure for this year will be, I think that will sum this argument up rather easily.. Then we can refer back to it in a year and say I told you so.
  16. I don’t know about the rest of the area but after the recent floodings on non food planes in Yorkshire I would never buy anywhere remotely near to a river, lake, dam or water cooler!
  17. Erm.. Which side are you on.. Hammer, nail. Noticed the same thing it’s all a bit of a measuring competition amongst them of who can pretend to be the best middle class family so they can laugh at their neighbours bringing in cuthbert in an Aldi bag rather than Colin in an M&S bag.. it’s not that bad round me but it is rather amusing being the young singleton surrounded by families.. Best part, I use my M&S jute bag for Aldi 😂 The fact is they are living ridiculously long so by the time the kids actually get to the point of acquiring their assets they’ll be 2 kids deep and end of middle age if they’re even lucky enough to afford that without parental help and get a house.. Plus, once mum and dad are weary and need care homes, well.. They can’t pay for it with their crippling debt and 4 mouths to feed on substandard wages (most middle class kids are not even a fraction of what their parents earnt /earned - I’d love to get stats on this).. Poof, there goes the “gaff”..
  18. I’d say most likely the only place cheap and close enough in wales to the south with transport links back ‘home’ to see family etc.. Misses the point really, you move to escape family commitments ha!
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