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I was shocked by how they hadn't previously looked at any houses and the bloke just seemed a bit unimpressed by it all. They really didn't seem that bothered, it was handed to them on a plate. Or rather they were handed to seller on a plate. *I didn't watch the whole show* but it was just like being out shopping for a pair of shoes. The wife found something she liked, the bloke grunted and wow, they'd bought a flat. Wedding in a year's time? Hmmm, look before you leap.

Yes, Heaton is a student area, but then she loved South Gosforth, which also has it's fair share of students as does Jesmond!!!!!

The snobbery attached to Jesmond and Gosforth is really quite unbelievable.

Did Phil and Krusty tell her about the unsolved Gangland assasination in "Leafy" Jesmond a few years back!!!??

Kevino

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I think those calling the younger couple for not wanting to live in a student area have obviously never had the pleasure of student neighbours.

:ph34r:

I was a student when I was at University and I have students living in some of the flats in the blocks around me.

I have found students to be better behaved than a South African Chartered Engineer.

I used to have directly above me a builder who used to have parties every Saturday which used to sound like they were in the next room.

In short I have found students to be no worse than non students in the town where I live. Maybe their behaviour is worse in Newcastle.

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Or maybe the group attitude on here of the world "we" live in is too pessimistic?

Flat was big enough for them (and a first child) so no immediate reason for another move. Seemed to me a good choice.

I also agreed with her choice not to live in the student area.

Taking those two factors into account and the fact that there are hundreds of flats to rent in the centre of Newcastle, Jesmond, Gosforth and just about everywhere else in that area - why not just rent a nice new build flat for a while and enjoy the freedom and flexibility?

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Guest X-QUORK

Let's look at their likely financial make-up:

His salary as care worker - £15k (that's being very generous)

Her salary as marketing coordinator - £25k (see above)

Combined income - £40k

After tax and NI - £28k

Net household income - £2,333 per month

Deposit on the property - £40k

Mortgage - £110k

Assuming a 25 year variable repayment mortgage @ 5.5% - repayments = £683 per month

Monthly outgoings:

Council tax - £120

Gas/Elec - £80

Water - £25

House insurance - £30

Contents insurance - £20

Her pension plan - £50

His pension plan £30

Telephone - £30

Broadband - £15

Food - £250

Car tax - £10

Car fuel - £60

Car insurance - £30

Car maintenance costs - £30

Car loan repayments - £100

House maintenance - £100

Clothing - £50

Holiday fund - £80

TV licence - £10

Booze - £50

Socialising - £100

Gym membership - £70

Paying back the bank of Mum+Dad - £200

Savings - £100

Mortgage - £683

Total: £2,323

By my maths they can afford to live a reasonably comfortable lifestyle on their current incomes, as long as they stick with one car and a bog standard holiday once a year they'll be ok.

Uh-oh....what's that coming over the hill...is it a monster? Is it a monster?!!!

No actually, it's two monsters....

1.

bahamas-wedding.jpg

2.

baby_stork.jpg

Oh well, who needs to get married and have kids these days anyway?

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Let's look at their likely financial make-up:

His salary as care worker - £15k (that's being very generous)

Her salary as marketing coordinator - £25k (see above)

Combined income - £40k

After tax and NI - £28k

Net household income - £2,333 per month

Deposit on the property - £40k

Mortgage - £110k

Assuming a 25 year variable repayment mortgage @ 5.5% - repayments = £683 per month

Monthly outgoings:

Council tax - £120

Gas/Elec - £80

Water - £25

House insurance - £30

Contents insurance - £20

Her pension plan - £50

His pension plan £30

Telephone - £30

Broadband - £15

Food - £250

Car tax - £10

Car fuel - £60

Car insurance - £30

Car maintenance costs - £30

Car loan repayments - £100

House maintenance - £100

Clothing - £50

Holiday fund - £80

TV licence - £10

Booze - £50

Socialising - £100

Gym membership - £70

Paying back the bank of Mum+Dad - £200

Savings - £100

Mortgage - £683

Total: £2,323

By my maths they can afford to live a reasonably comfortable lifestyle on their current incomes, as long as they stick with one car and a bog standard holiday once a year they'll be ok.

Oh well, who needs to get married and have kids these days anyway?

Seeing as the parents provided a lump sum for the flat, I'd expect them to be equally generous with wedding costs. I'd also not expect the £40K loan to be repaid - it is afterall the easiest way of avoiding the dreaded inheritance tax.

If the couple are fortunate to start a family (assuming that is what they plan) - then several items on your list will be altered:

Socialising, gym membership, booze can all be trimmed (and in some cases are forced ie reduced drinking through pregnancy).

How much rent would they be paying in a similar or reasonable part of Newcastle?

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By my maths they can afford to live a reasonably comfortable lifestyle on their current incomes, as long as they stick with one car and a bog standard holiday once a year they'll be ok.

That's just what I've been doing to try and convince Lady Avenger that buying a house at the moment is very, very hard.

There's two other "monsters" to think about - another leap in utility bills/petrol prices or interest rates. Based on the figures that I've come up with, either of these will plunge us into a -ve monthly balance.

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Guest grumpy-old-man
I was a student when I was at University and I have students living in some of the flats in the blocks around me.

I have found students to be better behaved than a South African Chartered Engineer.

I used to have directly above me a builder who used to have parties every Saturday which used to sound like they were in the next room.

In short I have found students to be no worse than non students in the town where I live. Maybe their behaviour is worse in Newcastle.

I have been down in Wakefield since 2000, After years of living in Teesside & working in newcastle & Sunderland for many years imo it's a lot, lot rougher than Yorkshire.

There are bad areas everywhere but Teeside & Tyne & Wear just have far more of them, therefore the crime average's are higher.

High unemployment = high crime

Low crime = leafy SE = couldn't punch through paper. ;)

Best fighting army in the world = All of Scotland (apart from Edinburgh) All of Wales + NE + some of the Midlands (for comedy sound value) + NW + Cockney's

Edited by grumpy-old-man
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I rather enjoyed it.

Nice to see a young couple find and buy the property of their dreams. The location they chose looked very pleasant, I'm sure they'll be very happy for many years to come.

I thought Phil and Kirsty really liked this couple and were genuinely pleased to help them.

i thought that they seemed happy for them too , much more so than they sometimes are for people.

However one thing i did notice and no one has pointed it out is that in some of the shots Kirsty looked like she had FACIAL HAIR! AND WEIRD MARKS ON HER FACE! I think we should be told the truth - is she turning into a man?

PS I used to hate this programme but my partner loves it so we watch it together now and get bitter/jealous/shout at the TV / ridicule the participants together!

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I have been down in Wakefield since 2000, After years of living in Teesside & working in newcastle & Sunderland for many years imo it's a lot, lot rougher than Yorkshire.

There are bad areas everywhere but Teeside & Tyne & Wear just have far more of them, therefore the crime average's are higher.

High unemployment = high crime

Low crime = leafy SE = couldn't punch through paper. ;)

Best fighting army in the world = All of Scotland (apart from Edinburgh) All of Wales + NE + some of the Midlands (for comedy sound value) + NW + Cockney's

Point taken and yes I am living in the leafy SE but grew up in Cheshire so I am a bit of a posh boy and could not punch through paper.

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Point taken and yes I am living in the leafy SE but grew up in Cheshire so I am a bit of a posh boy and could not punch through paper.

what's so great about being able to punch hard? only the desperate need to resort to using violence themselves. if you've any sense of dignity you let others do the punching for you! :lol:

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Guest grumpy-old-man
Point taken and yes I am living in the leafy SE but grew up in Cheshire so I am a bit of a posh boy and could not punch through paper.

Hi misfit, you have to forgive my soh sometimes, I'm just playing really. :)

ps -I missed off Plymouth & Southampton to make up the ultimate fighting force. ;)

pps - I was born in Salisbury. :o

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However one thing i did notice and no one has pointed it out is that in some of the shots Kirsty looked like she had FACIAL HAIR! AND WEIRD MARKS ON HER FACE! I think we should be told the truth - is she turning into a man?

Pregnancy is a wonderful time!

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I was forced to watch that with my lass, don't usually, three things lingered in my mind after..

1) The face of the lad buying the flat when the offer was accepted, it had the look of "ah sh*t, I just wanted to be on the telly and now my lass is wanting to be married, knocked up and living in property I don't think is worth what I'm going to pay".

2) Wasn't it something like 280K that other couple paid in "blaydon"!?!?!! :lol::lol::lol::lol::lol:

and

3) http://news.bbc.co.uk/1/shared/spl/hi/in_d...ml/county96.stm

Edited by meow
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Let's look at their likely financial make-up:

His salary as care worker - £15k (that's being very generous)

Her salary as marketing coordinator - £25k (see above)

Combined income - £40k

After tax and NI - £28k

Net household income - £2,333 per month

Deposit on the property - £40k

Mortgage - £110k

Assuming a 25 year variable repayment mortgage @ 5.5% - repayments = £683 per month

Monthly outgoings:

Council tax - £120

Gas/Elec - £80

Water - £25

House insurance - £30

Contents insurance - £20

Her pension plan - £50

His pension plan £30

Telephone - £30

Broadband - £15

Food - £250

Car tax - £10

Car fuel - £60

Car insurance - £30

Car maintenance costs - £30

Car loan repayments - £100

House maintenance - £100

Clothing - £50

Holiday fund - £80

TV licence - £10

Booze - £50

Socialising - £100

Gym membership - £70

Paying back the bank of Mum+Dad - £200

Savings - £100

Mortgage - £683

Total: £2,323

By my maths they can afford to live a reasonably comfortable lifestyle on their current incomes, as long as they stick with one car and a bog standard holiday once a year they'll be ok.

Uh-oh....what's that coming over the hill...is it a monster? Is it a monster?!!!

No actually, it's two monsters....

1.

bahamas-wedding.jpg

2.

baby_stork.jpg

Oh well, who needs to get married and have kids these days anyway?

Hah hah, someone with a job title of 'Marketing Coordinator will NOT be earning £25K in Newcastle. More likely between £10K and £15K. Marketing Coordinators tend to be responsible for doing things like putting information in envelopes to send out to customers........

A Marketing MANAGER would probably be on £25K.....

Plus, your calcs above assume they have no existing debt repayments other than car repayments.......

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Guest X-QUORK
Hah hah, someone with a job title of 'Marketing Coordinator will NOT be earning £25K in Newcastle. More likely between £10K and £15K. Marketing Coordinators tend to be responsible for doing things like putting information in envelopes to send out to customers........

A Marketing MANAGER would probably be on £25K.....

Plus, your calcs above assume they have no existing debt repayments other than car repayments.......

Fair point. I was trying to be as generous as possible so that the bulls couldn't shoot down the figures. In reality they've probably got Sky and a shedload of credit card debt like many other dumbf*ck sheeple in this great land.

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Guest Bart of Darkness
You sketch a picture of a world that sounds nicer than the one we live in.

Steve believes everything he sees on TV.

Seeing as the parents provided a lump sum for the flat, I'd expect them to be equally generous with wedding costs. I'd also not expect the £40K loan to be repaid

Yup, a different world.

Pregnancy is a wonderful time!

Are you a woman Steve?

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Hi misfit, you have to forgive my soh sometimes, I'm just playing really. :)

ps -I missed off Plymouth & Southampton to make up the ultimate fighting force. ;)

pps - I was born in Salisbury. :o

Yes no problem - I do not take offence except to those being openly abusive

I have no idea about fighting forces especially now I have left Manchester as violence is a thing of the past unless I go out into High Wycombe town centre which is a breeze to Manchester, which has some of the scariest areas when it goes dark. Anyone who disagrees should go down to Crumpsall, Blacklay, Salford, Openshaw or Hulme for a night out.

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If the couple are fortunate to start a family (assuming that is what they plan) - then several items on your list will be altered:

Socialising, gym membership, booze can all be trimmed (and in some cases are forced ie reduced drinking through pregnancy).

Get real. They'll need more booze after the baby arrives!

Seriously, the bigger problem is loss of her income through childcare costs (if she has a job to go back to). Maybe they'll be helped by tax credits?

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PS I used to hate this programme but my partner loves it so we watch it together now and get bitter/jealous/shout at the TV / ridicule the participants together!

Yes - we do too. Infact, I watch it like I used to watch Dr Who as a child. I just keep running in and out of the room asking everyone what happened but too frightened to look myself.

Edited by Wad
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