Moto70 wrote:

mk64 wrote:

You expect to be able to buy a house when you earn less than 60k. Why?

I don't know many that earn that sort of money.

It would seem that our views are poles apart...

A lot of people would earn that between two. That's what is happening now. It's as much that other people have friends or partners to buy with which is continuing the buying power which is putting yoss back.

Just has to accept that the conditions are against your situation. But if you really wanted a house you would find someone to buy with.

mk64 wrote:

You expect to be able to buy a house when you earn less than 60k. Why?

I don't know many that earn that sort of money. It would seem that our views are poles apart...

A lot of people would earn that between two. That's what is happening now. It's as much that other people have friends or partners to buy with which is continuing the buying power which is putting yoss back. Just has to accept that the conditions are against your situation. But if you really wanted a house you would find someone to buy with.

No they don't, a lot of people earn a lot less than £60k between them, in fact of my close friends I have less than a dozen that earn that much. Most people want to buy a house with a proper partner, to share that home with their family, not to invest all their money into something to share with acquaintances.

Yossarian wrote:

The average wage in the UK is £26,500, so the majority of people in the country don't earn 60k between two.

...and I'm guessing that average is somewhat distorted by the high earners. People around here are lucky to be on anything more than minimum wage with the more skilled not really earning much more.

In fact I'm on the brink of seeing if I can pick up an extra job at weekends to try and get some more money in.

Moto70 wrote:

mk64 wrote:

You expect to be able to buy a house when you earn less than 60k. Why?

I don't know many that earn that sort of money. It would seem that our views are poles apart...

A lot of people would earn that between two. That's what is happening now. It's as much that other people have friends or partners to buy with which is continuing the buying power which is putting yoss back. Just has to accept that the conditions are against your situation. But if you really wanted a house you would find someone to buy with.

No they don't, a lot of people earn a lot less than £60k between them, in fact of my close friends I have less than a dozen that earn that much. Most people want to buy a house with a proper partner, to share that home with their family, not to invest all their money into something to share with acquaintances.

House prices in Devon aren't the same as in london. Apples and apples etc.

Also it's not just about the salary if you have saved a fair deposit. People expect to own by 30

Lord_Griff wrote:

House ownership is not a right.

Why not? Why should it not be the norm that someone who works hard can afford to own their own home? Why should they be forced to instead pay rent to someone who already had enough money to buy a second or third or fourth property?

GooberTheHat wrote:

House ownership is not a right.

Why not? Why should it not be the norm that someone who works hard can afford to own their own home? Why should they be forced to instead pay rent to someone who already had enough money to buy a second or third or fourth property?

Landlords who more often then not fill them with DSS tenants then go down the pub and un ironically complain about how much tax they have to pay to support those dirty state scroungers.

mk64 wrote:

House prices in Devon aren't the same as in london. Apples and apples etc. Also it's not just about the salary if you have saved a fair deposit. People expect to own by 30

How are people meant to save a 'fair deposit' when house prices are as they are. I have just enough disposable income to be able to buy my games and have some nights out, without doing these I could live a life of misery for several years to then find out that my stupidity didn't allow me to think that I may be in an even worse situation now than the predicament I was in 10 years ago when I started saving for the deposit on a house that I can't afford actually afford a mortgage for now.

Moto70 wrote:

Lord_Griff wrote:

...any person who takes on debt, and subsequently does not work out their tolerances to interest rate changes should take responsibility for their stupidity.

Why do mortgages need to interest linked, what is the reason that they couldn't be done as a long term loan with a fixed interest rate from the off so those people that are too stupid to be able to predict the financial situation 2, 5 or 10 years down the line don't lose their homes.

People may suffer from stupidity with regard to their mortgages but they don't just walk in a supermarket and pick one the shelf, they are sold them by an expert who should maybe do his fucking job and see whether they can afford it 10 years down the line. Saying that I suppose the nice fat bonus he'll pick up for selling it in the first place maybe swings his decision.

For you to blame people losing their homes on their own stupidity makes you sound like a cunt.

I was apportioning blame. The years who sold inappropriate shit are also to blame. Don't call me a cunt.

Lord_Griff wrote:

House ownership is not a right.

Tell that to Thatcher.

Lord_Griff wrote:

Twats not years. Having phone probs.

Autocorrect can be quite the bugger at times...

What an utterly depressing thread. I'm amazed that any rational functioning adult can buy into the whole 'you can be what you want to be with hard graft' bullshit. 

I had a chat with a student a few weeks back to ask why he'd done so badly in his exam compared to everyone else in the class and to see why he'd missed a few lessons. He cagily said he'd been ill before the exam and subsequently. Fair enough I thought and offered him help with the rest of the course. 

Since found out that after his dad died 2 years ago; his mum lost most of the estate to a secret mistress. Mum has since been diagnosed with terminal cancer. Finances are so tight that the student has been bunking school to moonlight for the removals firm that he did his work experience for to pay for food for the family. This has been going on throughout the 2 years of his GCSEs. Since I've found this out I've had quite a few chats with him and the school has supported the family in receiving both government and charitable help. I've got Childline involved as well and they told me that this type of thing is becoming more and more frequent in the current economic situation. Kids with huge potential are finding that we don't all have an equal chance of success. 

It's easy for people in privileged positions to look down on those in truly dire situations and pontificate about how the world is your oyster if you play your cards right. That your situation is solely down to your lack of effort and drive. 

And belittling Yoss for wanting to live where he grew up shows all the empathy skills of a prize twat. Why don't we just stick Yoss and all the other poorly paid losers in a walled-off ghetto. At least we won't have to look at them whilst we're living the dream. 

The current situation is fucked for the majority. Belittling them for failing to graduate to the upper echelons is ass-clownery of the highest degree.

Nobody is belittling anyone. Nor looking down on anyone. Yoss wants to live where he grew up. Fine. But he can't afford it. He may be able to afford at some point. But there are numerous things he can't do like all of us. Where does the blame lie? How can other people do more things than him(us)? It is just not fair...

I am sorry if you felt belittled. It was not my intention.

Stopharage. I went to battersea technology college from year 7-11. Worst school in London consistently for those years. Check it out in the league tables.

It's a multitude of factors in every individual case but I yes I stick by my belief that people can achieve far more than what would otherwise be expected of them through some sort of self for filling prophecy.

Griffs point about things being in constant flux was an interesting point.

There seems to be a lot of people bashing landlords with little reasoning. I'd argue but I can't be arsed

You mean well, mk, but most of your posts make a better case for luck than labour. 

And dont get me started on landlords, although I really do want to come back to this conversation.