How many of you still live with your parents 30+?

malachi said:
Indian families, especially when they get married.
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Not really a tradition, more a case of mummies boys who don't want to live on their own. Then bring in a female to live with them.

I feel so bad for the wives who have to live with their in-laws. Would love to see it flipped and have the male live with the wife's parents. Don't understand why the female should be expected to live with their in-laws.

I is a harder environment out there, only the most determined of people can get onto the property ladder (Save, Limit Spending, Live a simple life for a while). The rest will just fail and spend their money on Cars and Holidays which they can boast about on social media to make them feel good about themselves.

There are genuine cases where people cannot move out, or really do want to help their parents.

The rest are just lazy.

Also at 30+, even if someone went to university and finished at age 22, that's 8 years of savings. No excuse.
 
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S@njay said:
Not really a tradition, more a case of mummies boys who don't want to live on their own. Then bring in a female to live with them.

I feel so bad for the wives who have to live with their in-laws. Would love to see it flipped and have the male live with the wife's parents. Don't understand why the female should be expected to live with their in-laws.

I is a harder environment out there, only the most determined of people can get onto the property ladder (Save, Limit Spending, Live a simple life for a while). The rest will just fail and spend their money on Cars and Holidays which they can boast about on social media to make them feel good about themselves.

There are genuine cases where people cannot move out, or really do want to help their parents.

The rest are just lazy.
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Here is a interesting question.

Its all good having a mortgage and sacrafice for one over holidays etc but when your in your death bed and looking back at your life.

Wouldnt you wish you had experience more in life??

This is why you cant really label people who dont buy their own property as lazy fools who burn there money on holidays cars etc because at the end of the day when push comes to shove, that person has probably enjoyed and experienced a LOT in life more then someone who is working all his life to get/pay off a mortgage.
 
jonneymendoza said:
Here is a interesting question.

Its all good having a mortgage and sacrafice for one over holidays etc but when your in your death bed and looking back at your life.

Wouldnt you wish you had experience more in life??

This is why you cant really label people who dont buy their own property as lazy fools who burn there money on holidays cars etc because at the end of the day when push comes to shove, that person has probably enjoyed and experienced a LOT in life more then someone who is working all his life to get/pay off a mortgage.
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Its all about a work life balance. If a person is determined enough they can achieve both.

I would say a person living on their own independently is a much more rounded individual that someone who lived at home with a gadget laden bedroom with parents that allowed them to make as much noise as they want. (Adult simulation?)

However as you said, if on your death bed, as long as you are happy with the way life went with no regrets with the decisions you made who is to say what's right or wrong. Appreciate the life we have been given and enjoy it.
 
S@njay said:
Its all about a work life balance. If a person is determined enough they can achieve both.

I would say a person living on their own independently is a much more rounded individual that someone who lived at home with a gadget laden bedroom with parents that allowed them to make as much noise as they want. (Adult simulation?)

However as you said, if on your death bed, as long as you are happy with the way life went with no regrets with the decisions you made who is to say what's right or wrong. Appreciate the life we have been given and enjoy it.
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yes they can achieve both but very rarely at the age of 21 though.

The point i was making is that for me personally i wouldnt dedicate my whole life saving and paying for a mortgage in the expense of enjoying life.

And as you all know, That is the case in London and other popular cities around Uk where it is very difficult to enjoy life and save/pay for a mortgage on an average wage.

This is why people should understand some who prefer to rent then to get a mortgage.

Yes its money down the drain for rent but at the end of the day that person could be enjoying life more then you struggling to pay your mortgage.

Food for thought.
 
I do, but only for 2 or 3 weeks of the year due to my seasonal contract - I live at work for almost 48 weeks of the year!
 
FoxEye said:
Yes, it's so much better to pay all your money to a stranger (landlord), have no disposable income, and no security in your dwelling (you can get kicked out with 2 weeks notice in some cases...)

That sounds like bliss.

(Meanwhile your landlord uses your rent to buy his son and daughter their own houses, so they don't have to pay rent like the plebs...)

I feel sorry for people who would cripple themselves financially for the sake of avoiding some social stigma/embarrassment. If they had a choice in the matter.
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Are you earning 50k yet?
 
jonneymendoza said:
yes they can achieve both but very rarely at the age of 21 though.

The point i was making is that for me personally i wouldnt dedicate my whole life saving and paying for a mortgage in the expense of enjoying life.

And as you all know, That is the case in London and other popular cities around Uk where it is very difficult to enjoy life and save/pay for a mortgage on an average wage.

This is why people should understand some who prefer to rent then to get a mortgage.

Yes its money down the drain for rent but at the end of the day that person could be enjoying life more then you struggling to pay your mortgage.

Food for thought.
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At 21, yes i would agree, 30 is a slightly different story.

Saying that London is in a completely different universe to the rest of the country and i am not even sure that London salaries are that competitive compared to house prices. Does work life balance and London even work in the same sentence?!
 
It´s all about balance at the end of day.

I will be moving out shortly (26) with my girlfriend of 6 years. Got our eyes on a nice 3 bed detached just outside London. ~£340k 10% deposit. Took just over 2 years to save.

Now we could have done it sooner, but why? It’s only been in the last 3 / 4 years we have been earning decent enough money to enable us to save that deposit in such a short time and still have a fairly decent social life. So why not start saving 4 years ago? Well we decided to have two years, both earning decent wages and doing more or less what we wanted. 3 decent holidays a year, numerous festivals, weekends away, nights out, etc. Yes blowing money. But memories. Now we are looking forward to home owning even more; we feel that we are over the constant nights out, partying till silly o’clock, festivals we can take or leave etc.

We could have started saving ages ago but missed out on all that social life when we could only afford either to save or to go out. Then even with our decent wages now, since we would be home owners, it would just be going on the house anyways.

Just a bit of background, lived at home with parents all this time paying keep since 18. Percentage of take home wage. Current rate of keep (which includes food/ toiletries/ clothes washed/ironed/ use of both cars) £800. (feeling some of this might be put away for when I do move out, well, hopefully :D )
 
S@njay said:
At 21, yes i would agree, 30 is a slightly different story.

Saying that London is in a completely different universe to the rest of the country and i am not even sure that London salaries are that competitive compared to house prices. Does work life balance and London even work in the same sentence?!
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it doesn't unless your earning around 70/80k in total(if your a couple) and thats for a 200-300k flat in Zone 4 outer london...
 
Uther said:
20 and 22, 4 bed house...
http://www.bbc.co.uk/newsbeat/article/34804311/im-20-and-i-own-a-250000-four-bed-house
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I said it on the other thread. Up north and on good wages relative to the area...

Still 5% deposit, 20% loan, 75% Mortgage.

Now they scrimped to save £500 a month, whilst living at home. Now they have the house and bills I suspect it would be harder. They now have 5 years to save £62,500 to pay off the 20% loan otherwise interest will be paid on that as well.

Take nothing away from them; but it's not as great as it appears to be.
 
S@njay said:
Not really a tradition, more a case of mummies boys who don't want to live on their own. Then bring in a female to live with them.

I feel so bad for the wives who have to live with their in-laws. Would love to see it flipped and have the male live with the wife's parents. Don't understand why the female should be expected to live with their in-laws.

I is a harder environment out there, only the most determined of people can get onto the property ladder (Save, Limit Spending, Live a simple life for a while). The rest will just fail and spend their money on Cars and Holidays which they can boast about on social media to make them feel good about themselves.

There are genuine cases where people cannot move out, or really do want to help their parents.

The rest are just lazy.

Also at 30+, even if someone went to university and finished at age 22, that's 8 years of savings. No excuse.
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Wow What an ignorant attitude you have.

Maybe, just maybe some don't want to be tied down to a mortgage and 2.4 kids and a wife.
Just maybe they enjoy disappearing off round the world three times a year having anything they wanted within reason without worry or stress about where the next penny was coming from. Maybe they don't have an issue with living at home because they have space enough to do as they please without rules. Maybe they get on with their parents like friends rather than someone telling you how to run your life.
 
I've spent ~25% of my adult life living in a place of my own - I'm 34 now been back living at my parents for a few years. Reasons are complex and not down to any one thing - though rapidly rising house prices are part of it - I moved back in originally with the plan of saving for a house but when I was basically running on the spot for 2-3 years as prices rose I gave up taking it seriously and for the moment enjoying having significant disposable income while still paying "rent" to my parents and putting a fair bit into savings.
 
Fuzz said:
Wow What an ignorant attitude you have.

Maybe, just maybe some don't want to be tied down to a mortgage and 2.4 kids and a wife.
Just maybe they enjoy disappearing off round the world three times a year having anything they wanted within reason without worry or stress about where the next penny was coming from. Maybe they don't have an issue with living at home because they have space enough to do as they please without rules. Maybe they get on with their parents like friends rather than someone telling you how to run your life.
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Living the Jimmy Saville dream :D

Each to their own. If the 18 year old me had seen the 30+ version of me still living with my parents, I'd have been disgusted. What a ****ing loser I'd have had to turn into - and I'd have never grown up properly.

That it never suited me doesn't mean it won't suit everyone, though. Do whatever makes you happy.
 
Fuzz said:
Wow What an ignorant attitude you have.

Maybe, just maybe some don't want to be tied down to a mortgage and 2.4 kids and a wife.
Just maybe they enjoy disappearing off round the world three times a year having anything they wanted within reason without worry or stress about where the next penny was coming from. Maybe they don't have an issue with living at home because they have space enough to do as they please without rules. Maybe they get on with their parents like friends rather than someone telling you how to run your life.
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I think the word you are looking for is Responsibility.

I am sure many people who don't live at home from the age of 30+ still love and adore their parents and have a very close relationship with them. Its just a natural progression to leave the nest and give it a go on your own.

You don't need to have a wife and kids just to move out. You dont even need a big mortgage, and its not stressful. Living away isn't everything and holidays are not everything either, its a balance.

And on the flip side, by moving out, you are letting your parents lead the life they had before kids, to re-kindle the relationship they had. And when they do get old, they know you are fully capable of supporting yourself and hopefully them through the hard times to come.
 
FoxEye said:
What about them indeed? I feel you're trying to make a point, but it's not quite materialised yet.
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I seem to remember you had 40 grand cash but lived in your Mothers basement (maybe the basement bit is wrong).

Your post mentioned the stigma involved and you made a point about rent paying for someone elses house. Well you need to see that renting is like buying a product or paying for a service.

Think of it like a £400pm Netflix subscription, but instead of getting movies, you get the freedom to walk around in your underpants and bring girls you meet on internet dating websites back to see your new Thundercats duvet set.
 
I am 32 and I live with my brother so I guess its the same as living with parents , I plan to move out soon with my GF but in the mean time I'm happy paying him £200 Rent a month :) in the mean time ill make sure I am debt free and ready for the big world once I move out in the summer of 2016
 
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