Security tags on basic food items.

[Gypsydog94 4,326]

6 minutes ago, W. Katchum said:

My mate we refused a mortgage, cos he betted on boxing a few times, who the f**k are banks an st uff to tell folk what the can and can’t afford 

He self employed?

[WILF 44,162]

22 minutes ago, W. Katchum said:

My mate we refused a mortgage, cos he betted on boxing a few times, who the f**k are banks an st uff to tell folk what the can and can’t afford 

A pal of mine owns a decent little company, employs a few people etc etc and they asked him how much pocket money he gives his kids when he was applying for a mortgage for a new house a couple of years back !!….I shit you not !

[Born Hunter 17,622]

I've had a few mortgages now and never had to answer anything particularly invasive. Frankly the biggest c**t of it all was having to pay a mortgage adviser to get me to the front of the queue for the mortgage I had already picked with the lender I was already mortgaged with...

[WILF 44,162]

1 hour ago, jukel123 said:

Read an article recently which analysed how much british workers' pay  has decreased over the last fifteen years compared with  how much profits and dividends have increased, as well as the salaries of chief executives. Its a total rip off. Real pay has decreased 2% compared to 15 years back.

 In 2021,  43% of 25 year old males still live with their parents because they cannot afford to move out.

Crap situation.

I don’t know how much deposit folks need for a house now days but round my old way, if you want to buy an ex council 3 bed semi and you need 5% then you will have to have around £22,000 cash waiting !

Now, either I’m well out of touch and every c**t has 20 or 30 large sitting in their account or that’s just out of reach form most people.

[Born Hunter 17,622]

The housing market is totally bonkers and clearly unsustainable. Yet so are the attitudes of those that 'can't afford' a house. It's broken at both ends.

The 90s seemed to be our peak. And we all expect to be able to continue having our cake and eating it like we did in the 90s.

[WILF 44,162]

2 minutes ago, Born Hunter said:

I've had a few mortgages now and never had to answer anything particularly invasive. Frankly the biggest c**t of it all was having to pay a mortgage adviser to get me to the front of the queue for the mortgage I had already picked with the lender I was already mortgaged with...

I’d say if you are a fairly chapter and verse, always had a wage slip, fairly good salary type person then it’s not much of a problem…..but if you ain’t that bloke, and there are plenty that ain’t, then it’s massively intrusive and much harder mate.

If say you’d worked a market stall all your life and dealt in readies then it would be a different story.

[WILF 44,162]

4 minutes ago, Born Hunter said:

The housing market is totally bonkers and clearly unsustainable. Yet so are the attitudes of those that 'can't afford' a house. It's broken at both ends.

The 90s seemed to be our peak. And we all expect to be able to continue having our cake and eating it like we did in the 90s.

And there is the crux, I’d say most people CAN afford a home….but they can only afford it living how they have lived and that may not involve telling the state about every single penny you work for ?

I know plenty of lads like that, hard grafters locked out because they don’t want to get raped ! Lol 

[Borr 4,440]

I'm in the process of sorting it out, I owned a house in my 20's and cut loose with travel, cars girls and beer. I attempted to setup abroad and that didn't work out , although the hard work and time lost has provided a deposit for the UK, got black listed for a phone bill 4 years ago as they couldn't contact me , got credit back in check at a cost, we only want a basic family home ,at 45 im gonna end up putting down 50k to get a high interest loan to buy a house at the peak of prices , but I've just got to a point where I can't sustain working away all the time and it seems like life is on hold, so I'll take the hit to have a home for us and kids, even if I don't survive clearing the mortgage there'll be something for them and life insurance should cover the rest. It's a shite state of affairs that you have to do all this to have a brick she'd on a patch of ground , it's a bitter pill but if I tried to hold out until a possible crash or at least drop in prices then we're paying rent and still in limbo. It must be truly soul destroying for youngsters starting out, or young families with the costs involved . There will be an ever widening gap between those left property and capital and those who can't even contemplate it. Trying to pay bills and buy food and fuel....

[WILF 44,162]

1 minute ago, Borr said:

I'm in the process of sorting it out, I owned a house in my 20's and cut loose with travel, cars girls and beer. I attempted to setup abroad and that didn't work out , although the hard work and time lost has provided a deposit for the UK, got black listed for a phone bill 4 years ago as they couldn't contact me , got credit back in check at a cost, we only want a basic family home ,at 45 im gonna end up putting down 50k to get a high interest loan to buy a house at the peak of prices , but I've just got to a point where I can't sustain working away all the time and it seems like life is on hold, so I'll take the hit to have a home for us and kids, even if I don't survive clearing the mortgage there'll be something for them and life insurance should cover the rest. It's a shite state of affairs that you have to do all this to have a brick she'd on a patch of ground , it's a bitter pill but if I tried to hold out until a possible crash or at least drop in prices then we're paying rent and still in limbo. It must be truly soul destroying for youngsters starting out, or young families with the costs involved . There will be an ever widening gap between those left property and capital and those who can't even contemplate it. Trying to pay bills and buy food and fuel....

I think your story is lots of peoples story mate and imho it’s just wrong.

Lad who graft, and let’s face it most lads graft pretty hard, should be able to have a home easily and some money to enjoy.

Imho if a house can’t be paid off in 15 years and people still have plenty of their own money for themselves then it’s too expensive.

I don’t believe that is the situation at the moment, I think people are just working for the man and that’s a bad thing….it’s not right and it’s not fair and it’s not healthy.

life is too f***ing short !

[Borr 4,440]

Just now, WILF said:

I think your story is lots of peoples story mate and imho it’s just wrong.

Lad who graft, and let’s face it most lads graft pretty hard, should be able to have a home easily and some money to enjoy.

Imho if a house can’t be paid off in 15 years and people still have plenty of their own money for themselves then it’s too expensive.

I don’t believe that is the situation at the moment, I think people are just working for the man and that’s a bad thing….it’s not right and it’s not fair and it’s not healthy.

life is too f***ing short !

Couldn't agree more , we're lucky in lots of respects and have had help, we work hard and have chosen an expensive area relatively to bring the kids up in , I earn decent money. I can honestly say I don't know how people raise a family on average/low wages never.mind find time to rustle up 20/60k . There is a house not far away from me that sold for 400k in 2018 and last year went for 870 lol it's gone bonkers , the village I'm in a new build three bed is 425, we're obviously not looking for anything like that but you get the jist. I'm also a believer in living life , and I'm not frugal , I couldn't do what I do and still have to worry about the food shop, luckily wife is tight as a ducks arse, but prices have gone beyond scrimping and.saving .

[Born Hunter 17,622]

18 minutes ago, WILF said:

I’d say if you are a fairly chapter and verse, always had a wage slip, fairly good salary type person then it’s not much of a problem…..but if you ain’t that bloke, and there are plenty that ain’t, then it’s massively intrusive and much harder mate.

If say you’d worked a market stall all your life and dealt in readies then it would be a different story.

Absolutely. Suddenly those self employed lads officially on 15k a year, but actually pulling in excess of 50 start needing to shuffle their books about in advance. I'm not exactly overwhelmed with sympathy, lol, but yeah there's a different angle to the one I have lived that should be considered in all this. 

16 minutes ago, WILF said:

And there is the crux, I’d say most people CAN afford a home….but they can only afford it living how they have lived and that may not involve telling the state about every single penny you work for ?

I know plenty of lads like that, hard grafters locked out because they don’t want to get raped ! Lol 

Fundamentally I probably agree that if you work full time then you should be able to have a pleasant and secure standard of living without having to break the law. I have limits on that but generally I agree with that ideal. I just wonder if the 90s was such a prosperous time that people came to expect an unsustainable standard of living. People now expect to be able to have a flash and party hard lifestyle, simultaneously be able to afford long term security like houses and pensions, and I just don't think that's ever been possible.

The world has compounded that problem though, so it's not all just 'attitudes' imo. It's genuinely getting to the point where people have to make a decision whether they want to pursue social success (friends family etc) or pursue social security (house pension, healthcare etc). And that is a disaster.

[Borr 4,440]

I think it's more related to lack of housing being built, and over population. It's supply and demand and there's a huge demand.

Also while researching this subject , a developer pointed out that agents he knew had told prospective sellers that they could sell their house tomorrow, and they felt they wouldn't be able to find one quick enough so held it off the market , that along with covid saving and stamp duty holiday along with work at home live anywhere created the perfect storm....

[WILF 44,162]

50 minutes ago, Born Hunter said:

Absolutely. Suddenly those self employed lads officially on 15k a year, but actually pulling in excess of 50 start needing to shuffle their books about in advance. I'm not exactly overwhelmed with sympathy, 

Did a socialist thought cross your mind then ?……do we have to send you for re-education old chap ? Lol  

[Born Hunter 17,622]

3 minutes ago, WILF said:

Did a socialist thought cross your mind then ?……do we have to send you for re-education old chap ? Lol  

Only in as much as I'd like to be on similar tax terms as the self employed lads. 

[Born Hunter 17,622]

I've never seen this before but it'd be really interesting to see what the typical spend on recreation is as a percentage of income over the generations.

I'm not saying we shouldn't be aiming to have our cake and eat it (progress) but only if it's actually achievable and not at the expense of other important things.