Page 2 | .... to be a little annoyed by these two?

Pipbin · 2015-12-01T21:19:09+00:00

They have just bought a house using the 'help to buy scheme'. Excellent, well done them. But what annoys me is the, 'people who can't afford just don't try hard enough'. He's 22 years old and earns £27,000. I'm 40 and only started earning a wage like that 5 years ago. There is no way on earth I could have been saving £500 a month a few years ago. [[http://www.bbc.co.uk/newsbeat/article/34804311/im-20-and-i-own-a-250000-four-bed-house]]

LuciaInFurs · 02/12/2015 11:55

I've got a friend just like this. Friend's BF is 26 and earns £30,000 and friend earns £21,000. BF's parents gave them £37,000 and they bought a large house in a very expensive part of Reading and their parents paid the stamp duty.

They lived with this parents for a year not paying any rent and spent the year moaning about sharing a kitchen (they had their own living room and bathroom).

DH and I have rented since we've lived together, paying £800+ to live in tiny flats. We had to move out of Reading to be able to buy our small house and all I get are comments about how she couldn't raise children in a house as small as the one we are buying and how we should've tried harder to save for a bigger deposit.

Yanbu.

diddl · 02/12/2015 12:00

Well done them for saving, but what will the monthly mortgage be & for how many years??

So if she earns the same they've got the best part of a £250,000 mortgage on a £54,000 salary.

How is that workable?

bluebolt · 02/12/2015 12:05

The chances are they also know that no matter how tough life gets for them financially they have bail out parents. Starting out I could of not taken this risk as there would of been no one to give me breathing space if I lost my job. Whilst I was lucky timing wise in the market I had to start at the bottom even though I could of stretched further with salary to loan ratio.

PurpleHairAndPearls · 02/12/2015 12:12

This article made me a bit when I read it. The flip side is people (like me) think it's a bit stupid to have such a large mortgage on a house twice the size as they actually need.

He is an estate agent in Cheshire. It would actually put me off the company if I knew who they were, I wouldn't employ a firm who had such smug, stupid and arrogant staff.

He reminds me of a certain type of people I used to interview for similar roles. Excessive use of "myself" and not a lot of sense but a lot of arrogance - "you would be lucky to get me onboard" etc.

FUCK OFF

BabiesComeWithHats · 02/12/2015 12:15

IF she saved £500 a month on an apprentice's salary she deserves some credit to my mind.

Yes, they're a bit smug, but I think they're comparing themselves to their peers, other 20-somethings earning 20K-something per year and choosing not to save, I don't think they're making derogatory remarks about people who can't afford to save.

purrito · 02/12/2015 12:29

Clicked the link, saw the picture with the "live laugh love" heart thingy in the background and knew they were cunts without even reading the article.

MrsBalustradeLanyard · 02/12/2015 12:31

Babies what credit? She lived in a home someone else was paying for so that she could save. Doesn't take much effort to live at home with Mummy, and get your washing done while you're at it.

GnocchiGnocchiWhosThere · 02/12/2015 12:31

This reply has been deleted

Message withdrawn at poster's request.

MrsBalustradeLanyard · 02/12/2015 12:37

I love where she is quoted as saying 'We were just used to having our own space.'

Yeah, so much that you stayed at home saving for those 3 extra empty bedrooms.

Bloody 20 year olds with no fucking clue. Please please let them look back on this in 20 years and realise they were smug faced cunts.

Boredofthinkingofnewnames · 02/12/2015 12:40

This wound me up for other reasons. Great, if you live in the north and can buy a 4 bed detached house for 250k. Not so great if you live in SE and can't buy much more than a garage.

RudeElf · 02/12/2015 12:41

She is 28 and bloody turned it down and not because she couldn't afford to it but would rather stay as a council tenant then she doesn't have to pay for its future up keep! Grrrrr drives me mad

I dont understand why this would drive you mad? why should she buy just because she can? Also, her not buying leaves the house as future council housing stock for others when she leaves rather than taking it out of availablity for her own profit.

TreadSoftlyOnMyDreams · 02/12/2015 12:43

He's a 22 yr old estate agent. He was always going to be smug

To be fair, they sound like a typical middle class kids in their early 20's who have grown up in homes where day to day life is not a struggle. He claims to be working 60 hours a week and works in a job which is often largely commission based so he's probably a fairly driven little bunny. Of course he is going to compare himself favourably to most of his peer group and not realise how much of a twat he sounds who are quite possibly all employed but not particularly motivated enough to do what he has done.

HD18 · 02/12/2015 12:51

"Bloody 20 year olds with no fucking clue" so just because they've managed to save money for a deposit with the help from their parents allowing them to live at home for a couple more years to save they don't have a "fucking clue". Myself and my now husband (both 25 so obviously fucking clueless) bought our first house when we were 19/20 and saved up for the deposit on our own (£16,000) we have very recently also taken advantage of the help to buy scheme and also bought a 4 bedroom detached on the help to buy scheme as we are starting a family. How about you don't judge people purely based one one tiny article and take your jealous opinions elsewhere! There are actually some people in their twenties who work hard and sacrifice things in order to be able to move out! It's not his fault he has a decent job at his age and earns a decent wage!!! I agree the comment about being used to detached houses sounded very arrogant but I don't agree with the comments people are making about how the don't know struggle! Not everyone in this world needs to struggle to deserve something! Sometimes people just knuckle down, work hard and deserve everything they earn!! Friends of ours also 25 have sacrificed living at home with their parents and have also used the help to buy scheme to buy their first big home! Don't understand people's jealous/uneducated comments!!

MrRobot · 02/12/2015 12:54

I read the article yesterday and I thought they were both smug cunts.

MrsBalustradeLanyard · 02/12/2015 12:59

Erm, settle HD

They don't have a fucking clue about how hard it can be for people who don't have their privileges to save. That's just a fact.

I'm 36 and I don't earn as much as him. So he has no clue about how hard it is to earn less than £27k, whilst running a home, paying for childcare for two kids, whilst trying to save for something that's a better size for a family of four.

You don't have to struggle to deserve something, no. But it doesn't take much thinking to realise that just because you're lucky in life, others might not be, and have a big of humanity, does it?

Save your bloody exclamation marks, will you? Jeezo.

Daisysbear · 02/12/2015 13:02

I think they sound naïve as opposed to smug. And to be honest, I think a twenty year old saddling herself with a big mortgage on a four bedroom house is a bit ill advised. She really should get out and live a bit first, make sure Rory is the guy she wants to spend the rest of her life with, give herself the freedom to chop and change jobs for a few years before she settles down to one thing.

WorldsBiggestGrotbag · 02/12/2015 13:08

I don't think it's particularly wise to take on a mortgage that size. Before I became a SAHM DH and I earned well over 4 times his salary between us (in our 20's) and wouldn't have taken on a mortgage that size.

Original poster

Pipbin · 02/12/2015 13:13

Its not his fault he has a decent job
No, but equally it's not other people's fault when the are in a low paid job. It's not because they don't try. A newly qualified teacher earns £25k, they try.

OP posts:

ghostspirit · 02/12/2015 13:15

maybe i dont get it.. why does it matter. if they found a way then good luck to them.

SoniaShoe · 02/12/2015 13:15

why would you want to be tied down with a mortgage and the upkeep of a 4 bedroom house at 20! how do they know where they want to end up living when they actually need a family home.

PurpleHairAndPearls · 02/12/2015 13:17

I wouldn't want my DCs at 20 to commit themselves to repaying such a large debt (which is what it is) and furthermore, taking on this joint debt with someone they haven't lived with properly first - living in your parents' house with the bills paid etc isn't living together. I actually think six months rent on a shared tenancy would have been the best first investment.
**
I realise my DC will be independent adults though and will make their own decisions and they know I met and moved in with their father when I was 17

PurpleHairAndPearls · 02/12/2015 13:17

Why did that all get bolded

StrawberryTeaLeaf · 02/12/2015 13:22

What is that section of the BBC? Newsround for twenty-somethings? Bizarre

PollysHoliday · 02/12/2015 13:27

HD you and your partner managed to to save £16,000 within a couple of years of leaving education? As you could afford to put away £8000 a year between you I have to ask, were you living at home rent free or did you earn an exceptionally high income for an 18 year old?

StrawberryTeaLeaf · 02/12/2015 13:30

"Bloody 20 year olds with no fucking clue" so just because they've managed to save money for a deposit with the help from their parents allowing them to live at home for a couple more years to save they don't have a "fucking clue". Myself and my now husband (both 25 so obviously fucking clueless) bought our first house when we were 19/20 and saved up for the deposit on our own (£16,000) we have very recently also taken advantage of the help to buy scheme and also bought a 4 bedroom detached on the help to buy scheme as we are starting a family. How about you don't judge people purely based one one tiny article and take your jealous opinions elsewhere! There are actually some people in their twenties who work hard and sacrifice things in order to be able to move out! It's not his fault he has a decent job at his age and earns a decent wage!!! I agree the comment about being used to detached houses sounded very arrogant but I don't agree with the comments people are making about how the don't know struggle! Not everyone in this world needs to struggle to deserve something! Sometimes people just knuckle down, work hard and deserve everything they earn!! Friends of ours also 25 have sacrificed living at home with their parents and have also used the help to buy scheme to buy their first big home! Don't understand people's jealous/uneducated comments!!

Wow HD chill.

OP and others are irritated by the naive smug twattery. Can you see how 'smug twattery' differs from 'buying a house' or 'having a good job'?