

DonJop12
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Baby shortage - UK economic decline
DonJop12 replied to Mikhail Liebenstein's topic in House prices and the economy
At some point in the 1980s my parents were given a secure council tenancy. The tenancy gave them stability and the confidence to start a family. Today it is unthinkable that a council house would be given to a couple in their early 20s that both worked. I now feel financially stable enough to consider starting a family, but I am a decade older than my parents were when they had me. -
I experienced this recently. It is one thing handing over two recent payslips. It is another when you are generating admin for your employer who has to fill out a form as well confirming certain details. I am not convinced that the process was GDPR compliant. Anyone who knows my e-mail address and DOB can access my NI number. The reality is that landlords have the whip hand in certain cities. You do what they say, or the property goes to someone else…
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Tories on course to WIN Hartlepool by-election
DonJop12 replied to Warlord's topic in House prices and the economy
I would buy The Guardian were it not £3.20 for a Saturday edition. -
£128k unpaid rent - can't get the tenant out.
DonJop12 replied to wighty's topic in House prices and the economy
Young people will never be able to outvote those who benefited from cheap housing and decent pensions. We are outnumbered. In any case, I am not sure that housing is as big an issue for voters north of the Bristol Channel and The Wash. I spent yesterday in a city in the midlands. It was an eye-opening experience for someone who has lived down south all their life. I visited a suburb where you could buy a house for 200k. By a house I mean an actual freehold property with a garden and two bedrooms rather than a leasehold rabbit hutch. In the midlands people on average incomes can achieve traditional markers of adulthood such as buying a property and starting a family. -
How do we fix the UK housing crisis?
DonJop12 replied to PeanutButter's topic in House prices and the economy
I do not see a solution until the boomers die off. Turkeys do not vote for Christmas. By the end of the year my deposit fund will *equal* the amount that was my parent’s mortgage albeit one that benefited from a sizeable right-to-buy discount. -
University Bubble Making Hissing Sounds
DonJop12 replied to Sancho Panza's topic in House prices and the economy
This is something I noticed with my peer group during the last recession. Postgraduate study to try to ride out a weak economy. It is almost as though people become a bit institutionalized. Taking into account SATs (including mocks), GCSEs (including mocks), A-levels, and a degree I once worked out that I completed over 100 coursework/examination assessments over eight years. Contrast this with my father who left school at 16 and therefore had an extra five years of earnings at the age I graduated. -
I'm ready to move mine to HSBC for an extra £60 interest pa. Every little helps....
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Rent Debt Crisis (landlord pleading)
DonJop12 replied to ForGreatLager...'s topic in House prices and the economy
I'm confused. Are these the same landlords that refused to accept "DSS" pre-covid? Strange that they want Government money now... -
Do you have problems sleeping at night?
DonJop12 replied to shlomo's topic in House prices and the economy
There is the problem. After years of saving I now have a deposit that would allow me to buy in London, but I cannot see the point when money goes much further elsewhere. You play the hand you are dealt and I’ve made peace with the fact I was simply born too late to compete with boomers.