Man of Honour
What would be a fair PCM rental cost for a, say, modest 2 bedroom house in a non-city centre location?
this is pretty much 'live within your means', appreciate it might be a bit easier here? (central Scotland) but no way I could afford somewhere similair to where I grew up so I bought (mortgaged) a basic flat
is that out the question in Cornwall...etc?
hOw dArE yOu cHaRgE mOrE fOr SeA vIeWs
Caporegime
Some people sound like they just want workers to all live in a complex
Take the average FTE take-home pay (after tax) of a shopworker, factory worker, carer, office admin, etc, and let's say about 15% of that. 20% max.
But really, if you have sufficient council housing, the private market can do whatever it likes.
The problem is that the reality as of today is we don't have anywhere near sufficient social housing, and the private market isn't always "premium", it very much can be predatory.
I've been consistent in saying that we need the council to provide the fair, affordable housing for the low-paid.
But that's not happening. And it's very, very unlikely to start happening, in the near future. This whole country is obsessed with the idea that housing much always appreciate, appreciate, appreciate. At all costs.
Huh? Nobody is ignoring it. Your focus has been on landlords as the cause of it, which is what is being countered, alongside which dowie has been pointing out in detail how more need to be built to lessen this issue.
As has been said, if you want something bad enough you'll do anything to get it. Sometimes that means you gotta sacrifice, live somewhere that allows you to save up for your dream, think of extra revenue streams you can pull in to help you achieve it quicker, etc.
Despite being one of the most in demand counties in UK, and high costs as a result. The average house price is about 300k in Cornwall. So its obvious you can buy cheaper. A quick search shows up lots of properties under that.
But its not that you can't, it that people don't want to, they don't want to live within their budget, or move to somewhere they can afford.
Last edited:
Soldato
lol ok, ill play in the pigpen for 5 mins
I'll even use myself as an example for fun
So i moved from the poorest part of my crappy hometown which has no jobs and a poor economy for further education and then stuck around in Nottingham. Job prospects and economy are better here than my hometown and i have no family ties here as im already a fair distance from what little living family i have. I've been moving my way through the pay bands at work, increasing my income. (obviously im not trying hard enough) I have next to no luxary spend, budget everything and go without if its more of a want than a need. I'm saving money in a LISA for a deposit, which keeps increasing as property prices go up and the value of my income is eroded away by inflation. My rent is more than a mortgage in my area even with the current crazy interest rates so mortgage payments arent a problem its purely saving for the ever increasing deposit.I expect that given the above, i should try harder at work, quit my job move 2-3 times further away from family and abandon all friends, go get a lesser paid job up north and then continue to try and buy a house up north?
I would genuinely like your honest and truthful thoughts on what I should do. Im open to any ideas that can better my situation even if it comes from the likes of you.
Last edited:
And I said, just building more and putting it on the "open market" doesn't solve *anything* for the low-paid.
Only state/council provided affordable housing does anything for the low-paid.
On the open market, we will just see a continuation of the current reality, where housing is a speculative asset and a means for the middle class to bump up their income and retire early.
We probably *can't* build enough housing to make any kind of impression. We've been trying to build housing for *years* and we just can't meet demand. There has been a surge in demand for 2nd homes and holiday homes, to boot. I pointed this out earlier. We're losing 29 homes every day in that way.
We could meet demand for social housing, by really focusing on that, but the Tories won't do that now, tomorrow, or ever.
Man of Honour
I had roast swan for supper, I've no idea how much that is.
You're of the working class aren't you?
How much, in pounds?
Genuinely curious.
If you aren't already, then move into a shared house for the cheap rent, plenty in Nottingham for a good price as it's a uni city. Cut out any luxuries that don't benefit your mental health. Save like a stingy ****** until you've got that deposit. Use some of your savings to invest in side projects if you really want to hustle.
Soldato
There are many factors influencing everything, the reason taxes are negative is because the spending of those taxes is done on non-productive things, or done extremely inefficiently.
This is not to say this does not happen in capitalism too, take for example twitter, people think twitter was a business, but it was a activist organization, thats why 80% of staff can be sacked.
The comparison with twitter and the government is, the former gets funding easily from idiot investors, while the latter gets funding from idiot taxpayers.
You can see this sort of thing on a much smaller scale at normal companies through whatever the HR teams are doing.
Its not just the taxes its also the other laws which impact these sorts of things. I've lived in london for a long time, london needs to be taller (average building height) massively so.
The problem with tower blocks they built is not enough, when you build only a few, the poorest move its not good.
To rephrase this better, if i am absolute dictator i could achieve everything you want easily, however other people will not trust me of course, and this is why, rather than trusting the government to spend 40-50% of GDP via taxes, we trust the free market to do this instead.
The reason this happens is directly due to the government, and various finance rules and regulations, of which i dont know what they are exactly.
If truly your rent is so high and a mortgage could be cheaper and you've been shown to afford said rent, then clearly lending you money, thus reducing your overall spending on housing costs, while paying interest on that loan, is a win-win scenario.
Soldato
House sharing here isnt much different cost wise than renting if it isnt a student share and for my own personal well being and mental health House sharing isnt really an option. I literally have no luxuries so cant cut what i dont have. I'm saving as much as possible and utilizing the 25% bonus on the Lisa. What side projects should i invest in (spending the money ive saved) to "maybe" make money.
Soldato
Soldato
- Joined
- 25 Sep 2012
- Posts
- 3,189
I hope you got your Nautical themed Pashmina Afghan?
Please elaborate.The contradiction is strong eh?
You asked for advice, which I gave you. Your reply showed you can't be bothered, even asking straight for the easy answer instead of considering putting your brain to work. A gif is all that really deserved, but I gave you your easy answer also.
Soldato
lol well your "honest not trolling advice" is clearly poor level trolling
Anyone with half a brain can see that and you've proved it.Just goes to show the calibre of the person
Soldato
Yes growing weed is genuine adviceAh yes, providing the genuine answer of "effort" is trolling