[smudgie]

Back in the day, we realised we couldn't have it all, bought a cheap house and then worked our way up.
We bought ex council as our first home, loved it, then when second baby came along we moved to a bit bigger house, bit extra mortgage but we were earning a bit more.
Eventually we moved to this house, mainly to get the best education in the area, stretched us a bit but well worth it, now lived here for coming up to 23 years.
Love it here and never felt the urge to move, mind you a lottery win would see us in a nice bungalow
But I can assure you, back in the day people were moving up the ladder all the time, wanting to do a bit better for themselves or to give themselves a little nest egg for their later years.
Nothing wrong with it either, if people didn't move up the ladder then there would never be the opportunity for others to geT on that first rung.

[user104658]

Originally Posted by smudgie

Back in the day, we realised we couldn't have it all, bought a cheap house and then worked our way up.
We bought ex council as our first home, loved it, then when second baby came along we moved to a bit bigger house, bit extra mortgage but we were earning a bit more.
Eventually we moved to this house, mainly to get the best education in the area, stretched us a bit but well worth it, now lived here for coming up to 23 years.
Love it here and never felt the urge to move, mind you a lottery win would see us in a nice bungalow
But I can assure you, back in the day people were moving up the ladder all the time, wanting to do a bit better for themselves or to give themselves a little nest egg for their later years.
Nothing wrong with it either, if people didn't move up the ladder then there would never be the opportunity for others to geT on that first rung.

Based on this and just to clarify; I'm not being fussy or unwilling to work up... 2-bedroom ex council houses around here go for nearly £120,000. And I live in a small village in Scotland. It ain't the 80's any more, kids .

[Kizzy]

Originally Posted by Toy Soldier

Based on this and just to clarify; I'm not being fussy or unwilling to work up... 2-bedroom ex council houses around here go for nearly £120,000. And I live in a small village in Scotland. It ain't the 80's any more, kids .

What do you think they were on the 80s, free?
Property has always been an investment and although yes houses were cheaper wages were less weren't they...
A mortgage on £120,000 would be less than you pay monthly, rent a 2 bed flat instead of a house next and get your deposit together.

[smudgie]

Originally Posted by Toy Soldier

Based on this and just to clarify; I'm not being fussy or unwilling to work up... 2-bedroom ex council houses around here go for nearly £120,000. And I live in a small village in Scotland. It ain't the 80's any more, kids .

Hell no, I know it's a world of difference now TS.
We don't kid ourselves, if we were starting out now there is no way on earth we would end up where we are now in our lifetime.
Not just the ridiculous house prices but also the total lack of job security for so many people.
We had a few blips and worries on the way with the firm hubby works for being taken over three times since if was British Steel but he was fortunate enôugh to keep his job.
I really do worry for the future of our kids generation, something needs to be done re the hosing situation, and I mean a bit more thán whichever government that is in just wringing their hands and sayîng what they intend to do.

[user104658]

Originally Posted by smudgie

Hell no, I know it's a world of difference now TS.
We don't kid ourselves, if we were starting out now there is no way on earth we would end up where we are now in our lifetime.
Not just the ridiculous house prices but also the total lack of job security for so many people.
We had a few blips and worries on the way with the firm hubby works for being taken over three times since if was British Steel but he was fortunate enôugh to keep his job.
I really do worry for the future of our kids generation, something needs to be done re the hosing situation, and I mean a bit more thán whichever government that is in just wringing their hands and sayîng what they intend to do.

Yeah, a big part of my dilemma with work is security. I hate my job - actively despise it at times, it makes me miserable for weeks on end. The rest of the time it's just straight up mind-numbingly boring. Either way it's unchallenging and there's no scope for progression.

However, it's rock solid for decades to come (... Shudder...) unless I actively make some sort of mistake to mess it up. If I leave to pursue anything else, that might pay better or have better prospects going forward, then it adds a huge element of job insecurity. Meh. If I didn't have kids it would be a no-brainer, I'd be out of here in a heartbeat and take my chances, but with other people to consider and the potential consequences of unemployment it just becomes impossible.

[Cherie]

Originally Posted by Toy Soldier

Yeah, a big part of my dilemma with work is security. I hate my job - actively despise it at times, it makes me miserable for weeks on end. The rest of the time it's just straight up mind-numbingly boring. Either way it's unchallenging and there's no scope for progression.

However, it's rock solid for decades to come (... Shudder...) unless I actively make some sort of mistake to mess it up. If I leave to pursue anything else, that might pay better or have better prospects going forward, then it adds a huge element of job insecurity. Meh. If I didn't have kids it would be a no-brainer, I'd be out of here in a heartbeat and take my chances, but with other people to consider and the potential consequences of unemployment it just becomes impossible.

I know we are all different but if it were me I would want the security of my own home above all else, you could apply the same logic about moving jobs to providing food and warmth

[Cherie]

Originally Posted by Toy Soldier

Based on this and just to clarify; I'm not being fussy or unwilling to work up... 2-bedroom ex council houses around here go for nearly £120,000. And I live in a small village in Scotland. It ain't the 80's any more, kids .

Its not the 90s either, interest on our first mortgage was 15 per cent

[smudgie]

Originally Posted by Cherie

Its not the 90s either, interest on our first mortgage was 15 per cent

Aye, interest rates were really high years ago.
Thinking about it, we took out mortgage protection as well, in case anything happened, it would give us a bit of breathing space.

[Cherie]

Originally Posted by smudgie

Aye, interest rates were really high years ago.
Thinking about it, we took out mortgage protection as well, in case anything happened, it would give us a bit of breathing space.

Sounds like you have a PPI claim Smudgie if you can lay your hands on the paperwork

[smudgie]

Originally Posted by Cherie

Sounds like you have a PPI claim Smudgie if you can lay your hands on the paperwork

I wouldn't think so, I mean, putting our hands on the paperwork.
We paid it for quite a few years until a financial advisor told us to stop.

[Cherie]

Originally Posted by smudgie

I wouldn't think so, I mean, putting our hands on the paperwork.
We paid it for quite a few years until a financial advisor told us to stop.

Damn they are only going back 6 years now without paperwork

[DemolitionRed]

Originally Posted by Toy Soldier

Based on this and just to clarify; I'm not being fussy or unwilling to work up... 2-bedroom ex council houses around here go for nearly £120,000. And I live in a small village in Scotland. It ain't the 80's any more, kids .

2 bed ex council houses go for a minimum of £half a million where we are. You can't get a tiny bedsit for less than £200k and the trouble with that is, for affordability reasons, when children fly the nest they have to move some distance away.