Soldato
Honeslty I think 5yrs will be about fine. I think 3yrs we'll see what happens and have a direction at least. But yeah either way my view was to be moving from my current place within that time frame.
Mortgage Rate Rises
- Thread starter glenimp617
- Start date
I'm actually OK. I could afford to pay my erc and financially savvy enough to know to jump on a long cheap fix.
Not many have this. And the brokers aren't great at this level of help. (I guess as they would be potentially liable for advice)
But just because I've done OK doesn't make it right. It wouldn't take much tweaking, like a longer erc free period and longer options. And better rates for svr.
Just because some of us are OK, doesn't make it right.
Another thing to add to the uncertainty is that we'll probably have a change of government in 2 years from now. Since it's just a case of replacing one set of unqualified privileged muppets for another I can't imagine what the state of the country will be by then and after.
I was fully stretched maxed out, read the post......
house price vs wages is irelevant. I was stating you must face hardships if you want something pleasant, its normal and as time goes on it will become easier
i got second-hand fuRNITURE, hand-me-down cutlery etc. I stopped going to the pub and ate basic meals until things got easier. I also took in a lodger to help pay for it
There is always a way, if you really want it. .
Last edited:
Budget, plan for the worse...
That’s no different than the boomers winging about interest rates being double digits in their day. Pointless argument.
Soldato
Of course but at the moment everything is conspiring against people isn't it. Mortgage, energy, fuel, food, low pay deals, used car prices etc etc. It's ok trying to budget but right now every penny is under pressure. You can't budget lower than X if X is the minimum standard of living.
Last edited:
Sounds like cry babies, not wanting to go through some tough times.
It won't last it never does.
Maybe limit the spending on luxury items?
Last edited:
i suspect a few aren't willing to lower their living standards whilst we are in an economic quagmire.
Last edited:
Bahahahah, don’t worry about me, thanks for checking up though. I’ve got some good jobs and get by just fine. Doesn’t mean I can’t have empathy that others can’t pull through this by having, erm, second hand knives and forks.
Good for you though champ.
I wonder if he realises that cutlery is like £3 for a set from the supermarket...
"Back in my day, we used our ear wax for candles when it got dark and only bathed once a month etc etc".
No, you're not getting the point.
SOME people refuse to lower their spending in non essentials.
I feel for those in need, my son is on minimum wage with flat and is finding it hard. But life is unfair always has been, always will be.
Blame game is all too easy.
Last edited:
By cutlery I was meaning pots,pans, utensils, yes they can be had cheap but I was skint...... Get it?
Well tell your son to lower his standard of living on non essentials, oh wait he’s already finding it hard so probably cannot cut back much more unless he just exists what life is that.
I've got a few knives and forks I'd be willing to donate to share the burden?
Last edited:
Soldato
Really? From a guy that gets his panties in a bunch over daft news reports about banning the phrase "pub crawl.
You do come across like an Alf Garnett and Victor Meldrew hybrid.
Curious that you like going back over people's old posts from over a month ago yet lock your profile down which prevents others the same courtesy....
Last edited:
Just because things are unfair doesn't mean it isn't a good idea to make a changes.
Just a bit more flexibility would help a lot. Longer term mortgage fixes are a thing in other countries for example.
Banning of ercs being different between lenders. (I remember one person on here who had a 3pc etc through the entire term!)
Never once did my broker tell me about ercs. Was luck. I got one with a 3,2,1 sliding scale!
Last edited:
Soldato
We used to dream of ear wax candles...
I've been here since 2004 never changed any settings. But you contradicted yourself in the post so...
Victor mildew was a nick name of mine when I was younger.
He's not moaning about it
Last edited: