Life's a bitch and then you die. Regretting every. Single. Moment.
The future is not bright and not for the taking.
I feel pessimism, especially with what goes on in the news.
Age: 21
I'm 27, I currently live with my in-laws whilst the wife and I save as much as we can and pay off some of the 20k debts that we have accumulated to get married and pay for her car etc... We have no prospects for a future of owning a property, we cannot see ahead far enough to a stage where we will be financially able to support a family, and I personally can't see myself ever getting out from the dead end career I seem stuck in. When I was in my teens I could see a pretty decent future. Now all I see is missed opportunities and an inability to move forward in life.
This country really is a depressing place to live at the moment.
the government just cannot afford building new houses every year. they just cant afford it and the amount of land left will be limited for construction of new buildings.
I'll lay my age on the table to start with. I'm 41 with two young kids. My wife and I met today with another couple who we haven't seen for around 20 years. I'm now back at home and trawling youtube for all the great songs of the 80's and 90's to relive my youth. It got me thinking about how I felt when I was in my teens and early 20's... I was optimistic and looking forward to the future.
I had such optimism back then. Tonight I listened to the music that I once loved and remember how I felt the world was there for me to take. But I've certainly become more realistic and, in honesty, quite jaded and cynical. I've done quite well in life; good job, nice house, wife, kids, etc. But that enthusiasm of youth has certainly ebbed away. And in the current climate I find it hard to imagine young people today having the feeling I once had that it was their time in life and that the future was bright and for the taking.
So... do you youth of today feel optimism or trepidation for the next 10 to 20 years?
I think your last line should be, "debt can be a depressing thing" and you'd be 100% correct. If you're struggling to pay it off, have you thought about going to see a financial adviser? Personally I wouldn't be saving if I had a lot of debt, all money would be going towards paying it off.
I agree that Debt is a major factor in producing an unwelcome feeling toward life, however this country and its current situation does contribute to my feeling of distain and unhappiness.
We live in an age where the benefit scrounger if king. He/she can have as many children as they like, live the life that they want (Yes all these idiots want it to smoke, watch TV and drink and have no aspirations to better themselves) and of course never have to work. I on the other hand aspire to better myself, work full time, pay my debts and dues and contribute to society. All my wife and I want is a child. We won't have a child because we are responsible adults that know that having a child is not just a ticket to a free house. I could go on about why the benefit system creates an unfair system of living, but I won't.
When was the last time you tried to apply for a job? I have applied for about 50 jobs in the past 2 years. Do you know how many interviews I have gotten? 0. Do you know why? Becasue the jobs that I am going for are going to over qualified people who are out of work trying to get back on the ladder and will take anything, even a slightly lower paid job below their level of development. Where does that leave me? It leaves me unable to find another job that suites my current skill set, meaning that if I want to get a new job I have to take a pay cut and work back up to this level within another company. How is that meant to generate a happy feeling toward this country?
How about touching upon the housing market eh?? When I look at properties to buy I feel sick to my stomach. How can one justify spending £120,000 on a pile of bricks in the middle of a hell hole in Cardiff, where you are more than likely going to get robbed or have your car nicked as you sleep. How can we as a couple save up £35,000 for a 30% deposit within a reasonable amount of time whilst earning an average salary? I will tell you how, by moving in with her parents for 5 years. What a way to start married life!
There are many reasons why this country is a depressing place to live, not just because of debt. I doubt everyone feels the way I do but at present I find it very hard to find any real reason to want to live in this dump. I wish emigration were an option for me, but alas, knowing my luck I doubt I would meet the entry requirements!
Well, to put it simply, the only thing we can do about benefit scroungers is to ignore them. No point in stressing about them really as that will achieve nothing, but I do see your point and totally agree with you.
Have you thought about trying to train/learn something that will enable you to switch jobs without taking a pay cut?
Personally I would not have spent so much on a wedding if I was after a house, but then I guess that comes down to the individual. You could always rent? I know that isn't ideal but if you don't want to live with the in-laws then it's a possibility.
I wasn't trying to paint a pretty picture of the world/country, just that there are options to try to make things better but even if those options are limited for now, I'm optimistic that there will be more options in the future (how long that is, I have no idea).
You say that like there's nothing you can do about it. Why are you earning an average salary? Why wouldn't you meet the entry requirements?
"The harder I work, the luckier I get"
This does not make the reality of my situation any more palatable though.
Well the last job that I applied for was the one that finally got me thinking about getting a degree. The specific requirement I fell short on was having an education at a higher level. No specific subject, just a higher education. This frustrated me as everything else on my application was sort after. Hence why I looking at the OU at the moment.
No, you're totally right. Doesn't sound like a great position to be in, but all is not lost, at least you have a wife and good health.![]()
Sounds like what you need to do is pay off your debt asap. You say you are saving too? Compare the amount of interest you are getting from your savings to the amount you are paying on your loan if you have not already done so, you might be in for a surprise.
And there it is, a way out of the rut. Do it.
In the UK there are so many opportunities for you to better yourself if you're willing to go out and grab them. You don't have to be stuck in a £20k/year 9-5 for the rest of your days. You don't have to struggle to pay the mortgage.