How do you move out of the house?

Originally Posted by G

Numerical tests are a very tiny part of your Westshire customer service experience




And there lies the attitude problem.....I rest my case I could go into the selection procedure to help someone allday.....but for some there is no hope.


Edit: For the record I'm not familiar with Scottish officer selection procedures.

With you on this one

Why bother learning French when you live in the UK. Why learn basic addition now there's a calculator. Why learn to spell when there's spell checkers. In fact **** it. Why get out of bed

Originally Posted by gettin2dizzy

With you on this one

Why bother learning French when you live in the UK. Why learn basic addition now there's a calculator. Why learn to spell when there's spell checkers. In fact **** it. Why get out of bed

you been smoking to much weed dizzy

[Paul the 6th]

i moved in with a mate from college when I was 21 in january 2007, never been home since. Bought my own house with the missus 6 months ago. Never been so skint, but I've finally got my own garage where I can mod/pimp it as much as I can afford.

The average deposit seems to be around 10% and I'd been saving for 4 years (£300/month) so had enough money for a deposit. About 2 weeks after we completed the sale & got the keys, they dropped the interest rate to 1.5%, but I honestly think if we had applied for a mortgage then, we wouldn't have got one. We only just managed to scrape enough for the house we're in as it is. HSBC were the only lender to offer the neccessary amount.

Originally Posted by Paul the 6th

i moved in with a mate from college when I was 21 in january 2007, never been home since. Bought my own house with the missus 6 months ago. Never been so skint, but I've finally got my own garage where I can mod/pimp it as much as I can afford.

The average deposit seems to be around 10% and I'd been saving for 4 years (£300/month) so had enough money for a deposit. About 2 weeks after we completed the sale & got the keys, they dropped the interest rate to 1.5%, but I honestly think if we had applied for a mortgage then, we wouldn't have got one. We only just managed to scrape enough for the house we're in as it is. HSBC were the only lender to offer the neccessary amount.

Did mrs paulthe6th have a job and savings as well? Could you have secured a house without her financial help?

I think 10% seems doable. Thinking of a full time wage, i reckon i could save £400-500 monthly. It depends what i end up doing for a job, but it will probably be up to £1200 in wages. Pay for living at home, buy what i want to buy (probably a second bike) and then save as much as possible with a target minimum for each month.

[Paul the 6th]

funnilly enough she was unemployed at that point (although actively looking for jobs every single day) and she didn't have any savings. So I can just about afford the monthly payment for the mortgage but I'd literally have no spare cash if I had to pay the gas, electric, water, council tax, tv licence and shopping bills on my own... She found and started her job as we moved into our house so the bills are more or less split now

(it's a semi-detached with a back garden, garage, drive and parking on the front in york).

Originally Posted by Paul the 6th

funnilly enough she was unemployed at that point (although actively looking for jobs every single day) and she didn't have any savings. So I can just about afford the monthly payment for the mortgage but I'd literally have no spare cash if I had to pay the gas, electric, water, council tax, tv licence and shopping bills on my own... She found and started her job as we moved into our house so the bills are more or less split now

(it's a semi-detached with a back garden, garage, drive and parking on the front in york).

Not bad for 23 then. Lucky that she got a job so soon... you would have been buggered.

[Paul the 6th]

Originally Posted by Magnum

Not bad for 23 then. Lucky that she got a job so soon... you would have been buggered.

...and skint as well got sick of renting for so long (literally money down the drain if you're doing it long term), so it's nice to know that the money is actually paying for something which we own & can do with it whatever we like

Thats what really puts me off renting. The fact you spend thousands of pounds and are still no closer to owning a property outright.

Do you find you have much spare money?

[Dave20046]

ditto. but not sure if I fancy being tied down/risk of unemployment and losing it all in the recession. also would need a garage lol.

Originally Posted by Magnum

Thats what really puts me off renting. The fact you spend thousands of pounds and are still no closer to owning a property outright.

Do you find you have much spare money?

One positive about renting is that when the house "breaks" somebody else pays for it

PS
Once you own/rent you never have any money so don't hold you breath unless you intend to be a "creative" police man on the money front