Can you afford to live!

well, that took 3 seconds, Topmark looking for a sales /leads generator, Glasgow, also looking for Insurance guys, i'e answer phone, type in deatils, sell insurance. Let us know how you get on. really PMA, dont be a loser.
 
hopefully mine will go up a bit now i've managed to move into a smaller house, lower bills etc.

Greebo said:
Although she does quite often pay for meals out, buys clothes for me and paid for our holiday last year but I always feel I don't want to do this too often as it feels wrong.
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ask yourself the question, if the positions were reversed would you do the same for her, if its yes then nowt too feel bad about.
 
I'm on about 24k a year and would LOVE my own place.

I have a small deposit (Around 8kish) but won't be able to afford anything worthwhile.

A mortgage for somebody on 24k a year would be about...70k? Which again isn't going to get me anything.

(This is in yorkshire)
 
Ivan Drago said:
The housing shortage isn't helped by the fact that we are shelling out millions to house asylum seekers in nice properties.
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Stats please.

BTW have you ever met an asylum seeker or seen the properties they live in? I have, on both counts, and it's not luxury. Maybe there's a couple of high profile cases that make it into the Daily Wail, but for the majority of them? Ha.
 
My income and outgoing are about equal, which is a joke considering I only pay £160 rent a month to my in-laws, the rest gets ****ed up the wall.

I really need to sort myself out otherwise I'm going to be living here forever.
 
Andr3w said:
I'm on about 24k a year and would LOVE my own place.

I have a small deposit (Around 8kish) but won't be able to afford anything worthwhile.

A mortgage for somebody on 24k a year would be about...70k? Which again isn't going to get me anything.

(This is in yorkshire)
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yes it is, this week I have sold 3 houses in Barnsley, all 3 bed semis, for 67k,grimethorpe 76k,cudworth 58k (Thurnscoe, yes, I know!) and one in mexborough for 62k.
all c/h d/g fair condition
 
BENJAMIN HERBLE said:
yes it is, this week I have sold 3 houses in Barnsley, all 3 bed semis, for 67k,grimethorpe 76k,cudworth 58k (Thurnscoe, yes, I know!) and one in mexborough for 62k.
all c/h d/g fair condition
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I know beggers can't be choosers but...ewwww at the locations :p
 
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Bankruptcy really should be the final option, too many people use it as a way to get out their mistakes without any real culpability.

I racked up £18k worth of debt between the ages 23-26, most of it wasted. 50% of what I was paying off a month was just covering the interest. Bankruptcy seemed like a bit of a cop out, so I went for an IVA, interest frozen, £3k debt wiped out, and I pay off the rest with monthly instalments for 5 years (3 remaining). Once the 5 years are up, the IVA is wiped from my credit file and I get a clean slate.

The fact that I am still paying for most of my mistake means I learn from it an accept responsibility for the errs of my youth.
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Thanks for the reply. I thought bankruptcy would be a good option because it would save me £5000 and i would have no interest in getting anymore debt. But after speaking to a few people they have said that you will even struggle to rent property.

I got my debt by being out of work for three months due to unfortunate circumstances so i lived off a CC for three months and that went up to about £2800 and then i moved from a shared house to a one bedroom flat and i had to pay the deposit and first months rent and buy additional furniture for the kitchen. I also did too much cocaine at one time which did not help. But I have nothing to show for the debt. Apart from a few things in the kitchen like a toaster. It just went on RENT and food and bills etc. But the problem comes when every month i run out of money, so i pay back £160 each month minimum payment and get £50 interest on it. Then i end up running out of money last week so i have to use the CC and then the debt just stays at the same level month after month and then as i have no extra money, something goes wrong and i go into the red even further. But i shouldn't complain as i do have a reasonable standard of living, i eat well and have a nice flat. Just have old clothes and never buy anything. I bought an SSD on the credit card a few months ago, i realy couldn't afford it. But i said **** it and bought it :D
 
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