Do you feel lucky to have a house

[Lm1981]

I am early 40s and have a nice house which i constantly feel very fortunate to have. I rented all my 20s so can still relate to how renting felt like. I often think I am very lucky to be in this position and slightly embarrassed. I did work hard I just know that things could have been different. Does anyone else have any feelings like this?

Err yes!!! And that I didn't have significant uni fees, could rent in central London fairly cheaply etc. I feel incredibly lucky and I think young people have it tough.

Of course! Everyday.

Yes I do. I only bought my house a few years ago when I was 41 and rented up to that point. I was only able to buy it because my parents sold their house to downsize and gave me a deposit. They only bought their house when they were 40+ through a bit of a windfall (not inheritance) so we all feel fairly lucky! As a person who rented for decades and never managed to save more than £1k (single parent in an expensive area) I value what I have a huge amount and I feel lucky all the time. I don't take it for granted.

Lucky? No, me and DH worked and are still working hard to pay for it. We needed each other to get a mortgage to start with and have made life choices based on home ownership.

Yeah every time I pull up to it, I am very grateful to have so much space.

No, I made life choices early on. I was lucky and manged to get a flat when the property market crashed otherwise I would have never got on the property ladder. While my peers were out clubbing and having fun I was at home saving for my deposit and then paying my mortgage. I didn't have help from anyone I wasn't that lucky unfortunately I was just desperate to have a secure safe place to be away from DF.

I feel very fortunate indeed. I was a sahm in an abusive relationship only 6 years ago, and now have a career which has enabled me to buy my own home in a beautiful part of the UK with a large garden and good schools. Abusive ex is out of the picture but still pays maintenance, and I have a good job with a lot of flexibility. I'm very humbled by what I have been able to achieve, it was luck as well as hard work, and I acknowledge both aspects.

I feel lucky that we were able to buy our first house at a time when house prices were cheaper. We had to live in a shit area but it was fine for our £65k first home. We moved 3yrs later with £50k equity to a nice area, luckily (again!) we did this before the 2008 crash as we were then stuck there for the next 15yrs.

Yes I feel lucky I have a house (with a mortgage) and a garden I love. However I've also worked hard and sacrificed a lot to keep it.

Not lucky no. We got this house through hard work. Both of us owned separately- we worked, we saved, we lived frugally and all of that. We still live frugally. I never feel lucky for what we have.

I did however feel incredibly grateful I was in this position during lock down. We had outside space and more than one loo. So many people and so many children didn't have that. I counted my blessings every day.

Yes and we only own 60% of it.

Yes. Lucky that in the very early 2000’s at 18 years old I was able to get a 100% mortgage and ride a property value increase wave that has me sitting in my five bedroom detached house whilst working minimum wage retail all my life!

Don't feel "lucky".
I do however put it down to hard work, making sacrifices, a single minded determination to own my own house and encouragement from parents who would support me (mentally & financially) if required.

I do.

I live in a house that would be derided as a ‘nightmare’ according to many posts: terraced, no off street parking, downstairs bathroom. Also in an area treated with contempt by many posters.

And you know what? My house is warm, dry, I have the inside how I like it, I am just starting retirement and have the mortgage paid off, I have great neighbours, a good community network and unlike the majority of the global population I have a safe and secure home, which I own.

I feel lucky and appreciative.

Yes.

We worked for it, holding down 2 jobs each at times and having lodgers to be able to afford it but there is still a lot of luck involved as it was only possible due to the timing of the purchase. A year or two later and it wouldn't have been possible.

Very lucky. Especially in bad weather.

Lots of hard work along the way but some luck like being in a position to buy young and although house prices were already rising they weren't totally detached from earnings like now.

Yes definitely. We bought over 20 years ago when prices were rising but not as mad as they were soon after. I regret not buying a few years earlier when prices were really low. We'd be loaded if DH and I had both bought separately before we met!

We actually lost money on a sale in 2009 but were moving to our current house which was in a cheaper area so things worked out ok. I feel very fortunate. We have worked hard but so do lots of people who still don't earn enough or have the right circumstances to be homeowners.

I don't feel lucky. I worked hard for it.

Yes

My husband should 😅

he was living in one of the worst rentals I’ve ever seen and is now co-owner of a £1.5m 5 bed in London…

you’re welcome!

I do feel fortunate to own our home. The only lucky part was being born in 1973 in terms of timing - the rest is hard work and determination.

Yes I do
Btw there are many who have worked hard , made sacrifices and can’t afford to buy

Yes very. I married a man who had property, I'd had to go into renting after my first divorce, and now there is no mortgage and we in a lovely village on a commuter train line.
Very lucky and I try to remember it

Yes, even though I don't love it as a house I feel very lucky to not be at the mercy of a landlord.

Yes incredibly. We have made a profit without any effort on top of having somewhere to live. We've nearly lost our home when I lost my job some years ago. It was a terrifying time and my heart goes out to those who have to private rent nowadays. Back in the day there was a safety net and we would have had support with the mortgage or the chance of a council property. Something has to change.