Very judgemental, some people don't do all these things and still cannot save. Great that it worked for you, enjoy your lovely £425K home but it is not 'pretty easy to save if you want to' for everyone.
Very judgemental, some people don't do all these things and still cannot save. Great that it worked for you, enjoy your lovely £425K home but it is not 'pretty easy to save if you want to' for everyone.Wow I think you need to work on your attitude
Simple, we prioritised. We bought our flat in our mid 20’s having both worked at university alongside studying, before going straight on to grad jobs.
We don’t go on fancy holidays as we’ve prioritised having a home, we don’t really go clubbing and we eat sensibly. We usually go for a meal each week at a nice restaurant but other than that we take lunch to work etc. It’s pretty easy to save if you want to.
Many people buy lunch every day - over a year assuming £5 lunch and a 5 day working week thats £1,200 (5 days, allowing for 20 days holiday). People pay £50 a month for phones, pay crazy money for cars on finance, spend money on takeaways and it all adds up
But where did you both live during Uni? where did you live after Uni, before you bought your flat?Wow I think you need to work on your attitude
Simple, we prioritised. We bought our flat in our mid 20’s having both worked at university alongside studying, before going straight on to grad jobs.
We don’t go on fancy holidays as we’ve prioritised having a home, we don’t really go clubbing and we eat sensibly. We usually go for a meal each week at a nice restaurant but other than that we take lunch to work etc. It’s pretty easy to save if you want to.
Many people buy lunch every day - over a year assuming £5 lunch and a 5 day working week thats £1,200 (5 days, allowing for 20 days holiday). People pay £50 a month for phones, pay crazy money for cars on finance, spend money on takeaways and it all adds up
Some people's outgoings are as much as their wages, through no fault of their own , especially if they are already paying rent for their current home.No need to for the rudeness, just pointing out facts. Yeah I have lived in both of those…. FYI we’ve just sold out flat and have bought a house for 425k, it’s not that hard to save if you prioritise. I’m not yet 30 and haven’t had help from parents.
If people say they cannot save I don’t realistically agree, it’s that they prioritise other things such as going out, holidays etc (absolutely nothing wrong with that, we decided to forego that because we valued the home ownership more).
We can agree to disagree on that. Sure, it’s easier for some but it’s all down to choice.Very judgemental, some people don't do all these things and still cannot save. Great that it worked for you, enjoy your lovely £425K home but it is not 'pretty easy to save if you want to' for everyone.
No. No it isn’t all down to choice at all.We can agree to disagree on that. Sure, it’s easier for some but it’s all down to choice.
At uni I lived in halls and then rented with other students (this is why I worked part time during uni). After uni I lived at home for 1 year, paying £300 aBut where did you both live during Uni? where did you live after Uni, before you bought your flat?
it really isn’t that easy to save for the majority of people. People who from the age of 18 have had to pay their own way entirely, people who are having to pay their own rent/bills etc on low salaries, how on Earth can you claim it’s just so easy for those who only earn the minimum and when that only covers the cost of living?
you are speaking from a place of privilege, please remember that before making unfair sweeping statements like you have.
Who paid the rent for your halls at Uni? Who paid the rent/living costs when you lived in a house share? When you lived at home you only paid £300 to stay there?At uni I lived in halls and then rented with other students (this is why I worked part time during uni). After uni I lived at home for 1 year, paying £300 a
Month to live at home (cheaper than renting granted but still led to having to choose where to spend money). I then rented for two years but chose a cheap little 1 bed flat because I had no need for anything bigger and wanted to save more.
I’ve worked since I was 14 (paper round). I was earning £40 a week from doing that and covering the odd round, plus I worked in a supermarket for 10-20 hours a week on top of this for 12 months. I also earnt money by going around peoples houses and asking if they had any tasks they wanted doing (anything from gardening, housework or cleaning cars) when I had time.
Lucky you had parents who let you live at home for a year for only £300 per month - far cheaper than renting somewhere and paying bills. Then lucky you had a job where you could afford a 1 bed flat with cash left over to save. Many people could not do either of these things and both of them are privileged positions to be in.At uni I lived in halls and then rented with other students (this is why I worked part time during uni). After uni I lived at home for 1 year, paying £300 a
Month to live at home (cheaper than renting granted but still led to having to choose where to spend money). I then rented for two years but chose a cheap little 1 bed flat because I had no need for anything bigger and wanted to save more.
I’ve worked since I was 14 (paper round). I was earning £40 a week from doing that and covering the odd round, plus I worked in a supermarket for 10-20 hours a week on top of this for 12 months. I also earnt money by going around peoples houses and asking if they had any tasks they wanted doing (anything from gardening, housework or cleaning cars) when I had time.
Me - I did. I see where you’re coming from but I stand by what I say. If you want something there’s always a way to achieve. Don’t spend on things you don’t need to if you really want to own a house. Buy a flat if you can’t afford a house and don’t want to rent. Go and earn extra money from a second job, or do a qualification in your spare time.Who paid the rent for your halls at Uni? Who paid the rent/living costs when you lived in a house share? When you lived at home you only paid £300 to stay there?
can you not see where I’m coming from? You are lucky that you had these options. A lot of people do not and it is through no fault of their own and it’s really not as simple as saying people make a choice between putting money into savings or buying a Starbucks everyday. For a lot of people there is no money to put anywhere because what they earn only covers basic living costs and there is no financial buffer from family/parents.
Lucky you had parents who let you live at home for a year for only £300 per month - far cheaper than renting somewhere and paying bills. Then lucky you had a job where you could afford a 1 bed flat with cash left over to save. Many people could not do either of these things and both of them are privileged positions to be in.
Sure - some people do not own a home because they have prioritised other things, nothing wrong with that - owning a home is not the be all and end all, some don’t want to own and would prefer the lovey holidays!
But for for many people it is not just a case of priorities not being on saving or owning a home - they simply don’t have a choice. Minimum wage does not get you far in many parts of the UK and they are probably unable to save any significant amount.
You’re privileged because you lived at home paying £300 a month which massively helped you save for a house, not because you studied hard, that’s what @JLXRD saidMe - I did. I see where you’re coming from but I stand by what I say. If you want something there’s always a way to achieve. Don’t spend on things you don’t need to if you really want to own a house. Buy a flat if you can’t afford a house and don’t want to rent. Go and earn extra money from a second job, or do a qualification in your spare time.
It’s the same as people saying “I don’t have time to exercise”. You do, you just prioritise going out with friends, watching tv etc (again nothing wrong with doing that but it’s the fact that not having time is a shit excuse).
I wouldn’t say I’m privileged because I worked hard at school, worked in my spare time, was sensible with money, worked hard at my degree and then got a graduate job after spending my whole life working towards it?
You are completely missing the point. This isn’t a personal attack on you. But you need to accept and understand that sometimes, for some people, it is NOT a choice. It is not about working really hard and getting a second job, you cannot seriously be this naive?Me - I did. I see where you’re coming from but I stand by what I say. If you want something there’s always a way to achieve. Don’t spend on things you don’t need to if you really want to own a house. Buy a flat if you can’t afford a house and don’t want to rent. Go and earn extra money from a second job, or do a qualification in your spare time.
It’s the same as people saying “I don’t have time to exercise”. You do, you just prioritise going out with friends, watching tv etc (again nothing wrong with doing that but it’s the fact that not having time is a shit excuse).
I wouldn’t say I’m privileged because I worked hard at school, worked in my spare time, was sensible with money, worked hard at my degree and then got a graduate job after spending my whole life working towards it?
You are privileged to have parents who allowed you to move home and pay next to nothing to do so though, don’t you agree?I wouldn’t say I’m privileged because I worked hard at school, worked in my spare time, was sensible with money, worked hard at my degree and then got a graduate job after spending my whole life working towards it?
You are still not getting it.Clearly some people have taken this as a personal attack when I was simply making a point that a lot of people who say they can’t buy couldn’t if they really prioritised.
Everyone is different and has different circumstances so what I said of course will not apply to everybody. However I stand by the fact that if people want to buy, a lot of the time they can (after saving hardcore for a few years obviously). Whether people want to prioritise this over the lifestyle they currently have is a completely different argument and that is down to each person, I can completely understand both points of view on that one.
Not going to reply on this topic further as people have taken it as an attack when that wasn’t the case, so apologies for any offence caused on that.
100%. Choice in itself is a privilege.You are still not getting it.
sometimes people CANNOT make saving money - for a mortgage or for anything else - a priority because they only have enough money coming in to make PAYING THEIR ESSENTIAL BILLS A PRIORITY.
I think you’ve said it all when you made the point that you chose to rent a flat in a “shitty area” which wasn’t in great condition. Some people don’t have a choice. The fact that you had a choice, is the entire point.
You seem to have taken it more personally than anyone else - I’m not offended, your points don’t apply to me personally (the fact that you have assumed because people disagree they must not own their own home and therefore are offended speaks volumes) but I just think your attitude is one that I have seen many times among people who have had no obstacles in life.Clearly some people have taken this as a personal attack when I was simply making a point that a lot of people who say they can’t buy couldn’t if they really prioritised.
Everyone is different and has different circumstances so what I said of course will not apply to everybody. However I stand by the fact that if people want to buy, a lot of the time they can (after saving hardcore for a few years obviously). Whether people want to prioritise this over the lifestyle they currently have is a completely different argument and that is down to each person, I can completely understand both points of view on that one.
Not going to reply on this topic further as people have taken it as an attack when that wasn’t the case, so apologies for any offence caused on that.
Yeah this is what I have just said on my last post, I was talking generally of course what I said doesn’t apply to everyone.You are still not getting it.
sometimes people CANNOT make saving money - for a mortgage or for anything else - a priority because they only have enough money coming in to make PAYING THEIR ESSENTIAL BILLS A PRIORITY.
I think you’ve said it all when you made the point that you chose to rent a flat in a “shitty area” which wasn’t in great condition. Some people don’t have a choice. The fact that you had a choice, is the entire point.
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