Where will you be in 3 years time?

[e8_pqck]

so where will you be? own house? flash car? abroad? married with kids or just doing the same shit? Anyone mahe plans for the future and if you did a few years back have they worked out? :drink:

[blackie_2k5]

hopefully in my own business

id like to say owning my own home too, but im also realistic ;)

[L33h]

Hopefully not where i am now lol

[Prickle]

Moved out with the gf, same job, same car living it up..

[jones91]

Can't see my life being that much better than it is now tbh, maybe a slightly higher paid job, and maybe renting a flat or something with either a mate or a mrs, but can't hardly see myself living the high life anytime soon tbh

[Baz]

Hopefully department manager closer to home still living with the missus driving the same car

[saladdodger]

Its all good to have dreams and plans for the short/long future but if the last 4yrs are anything to go by I feel its going to be more struggling (for me anyway).

Nice to see people looking forward to stuff and giving it a go. Good luck.

[CEdwards]

Hopefully New car
Maybe renting a flat with a mate(s) or a other half
Settled down in a job of a decent income that I enjoy

[slammed_saxo_vts]

Finnish my HND this year, getting a FULL time job within design engineering, moving out and renting with a mate or a girlfriend. No plans for kids or marriage for a fucking while!
Driving something German.

[josh11490]

Hopefully will have a job then and will be making a career.
new car.
Not much else i dont think.

[griff_106]

I'd like to think I'd have moved out in 3 years (hopefully sooner) but I've got to be realistic - house prices in the South East are pretty ridiculous to be honest. I'd like to think I'd flat share with a partner/mates but staying at home a little longer and saving for a house does sound appealing as renting in some ways is just dead money :n:

I'd like to be a bit further up the career ladder in my current job - I've only been there 2 months so I've got to give it time haha.

I might have moved on from 106's, but ideally I'd like to JP4 the Quiksilver and keep that as a weekend/track toy while having a decent car as a daily runner - wouldn't know as what though tbh lol. We can but dream... :A:

[Ross]

Hopefully sell the fucking 106 and finally grow up ;)

already got some of the above (nice house, 2.4 dogs, horses etc) but I'm too old for the 106 now :p

[monka]

same shitting job i expect, unless the fire service start up vacancie's again.

ever way, i know i'll be getting even more shafted by the goverment, and probally paying about a fiver for a litre of fuel

[e8_pqck]

Hopefully sell the fucking 106 and finally grow up ;)

already got some of the above (nice house, 2.4 dogs, horses etc) but I'm too old for the 106 now :p

Same Ross, been looking at ultima's recently, lot of car for the money and a proper toy. Need to learn to drive properly first though so i can enjoy it, will get the AX finished and drive it then get one i think.

[P_Connor]

Emigrating I hope. Much better job, one that I will enjoy. Generally be much better off! Might be engaged to the missus by then if I choose to ask as well!

[e8_pqck]

Emigrating I hope. Much better job, one that I will enjoy. Generally be much better off! Might be engaged to the missus by then if I choose to ask as well!

Where too? There's no place like home though!

[Ross]

Last time I was down at track n road, the car on the rollers before me was a noble. The owner was very fucking cool - and I nearly sacked off the 106 on the spot and bought one. 10 times the car the 106 will ever be tbh, and could have had two of them for the money I've thrown at the 106. Meh. It's why I've gone full interior again this year - I'm too old for this shit anymore :p

I'm hoping to change range rovers to a sport next year finance allowing, and move house to something bigger in 4-5 years too. It never stops does it! Always something you want.

[MrHouston]

Out of the UK, with a group of mates. Proud family at home. A pot of savings mounting up and a nice car.

(I'm in the application process of the Army)

[Jay_]

3 years ago, I wanted to have a degree and be playing drums for money.

Here I am with a degree, playing drums for money.

In 3 years time I would like to be doing the same but on a much more frequent basis and hopefully be earning enough not to have a bog standard job.

[griff_106]

Hopefully sell the fucking 106 and finally grow up ;)

Ross I honestly think you've had that thing for too long to sell up personally. You'll only miss her and regret the decision... ;)

[e8_pqck]

Ross I honestly think you've had that thing for too long to sell up personally. You'll only miss her and regret the decision... ;)

will be a good for sale thread though! :A:

[griff_106]

will be a good for sale thread though! :A:

True! :y:

[Saxoladlesta]

3 years ago I planned to have a house and join the police,managed to do both sooo in 3 years time I plan on getting a new car and maybe specialising in my job

[P_Connor]

Where too? There's no place like home though!

Hopefully either Australia or America. Your right in one respect, but I really don't want to live in the UK anymore for many many many reasons!

[Jazz]

Hopefully would have bought my own home before then, a decent finance job in the city wouldn't be bad either.

[stevie_m]

Hopefully a self build home, in the planning stages right now. Just need to figure out the square footage and then the cost per square foot.

[DeanAngell1234]

Still doing personal training, but earning more monies working for another company or by myself :P

[JaxoSaxo]

gutter...

[admad]

Out of the UK, with a group of mates. Proud family at home. A pot of savings mounting up and a nice car.

(I'm in the application process of the Army)


What are you aiming for job wise in the army? I'm starting training in Jan I passed selection a couple months ago it's not as hard as it's made out to be.

As for me hope to be made corporal by then and be on tour somewhere. Should of managed to of saved up towards a house by then.

[D1zzyman]

hopefully finish my degree and pursue my career as a game developer, some where in america or abroad.

[Davyy]

Hopefully have finished my apprenticeship, driving an s-line audi a3, and be applying for the police.

[Saxoladlesta]

and be applying for the police.

A lot of places only recruit internally nowadays mate just to give you a heads up. May have changed within a few years though

[Davyy]

Yeah i know, will probably apply for specials in a year or so, once i've got more 'life experience' behind me.

[Saxoladlesta]

I was a special for 2 1/2 years,will definitely give you an insight into whether you want to join full time or not :)

[simmo]

I want a house and to keep my job and be healthy along with family etc

[Brettles1986]

Hopefully sell the fucking 106 and finally grow up ;)

already got some of the above (nice house, 2.4 dogs, horses etc) but I'm too old for the 106 now :p

2.4 dogs????

Hopefully I will just be in a good financial position driving a tidy car and be on my way to having a deposit ready. (Would love to buy the house I currently rent)

[Dany4494]

From what i can see at the moment struggling along, by end of next year will be qualified level 3 plumbing and mechanics, would like to join the police though (traffic officer) not sure where to start with that one where to get my self on to the ladder.

[TomT]

In the park with the kids.

Not planning to have any of my own though.

[Jay_]

In the park with the kids.

Not planning to have any of my own though.

The idea they would be your own didn't even cross my mind...:fcuk:

[TomT]

The idea they would be your own didn't even cross my mind...:fcuk:

Then you know me well sir

[consvts]

canada if i pass this year in college be fully qualified accountant...just gota convience the gf to move lol

[tichy]

Hopefully working on the oil rigs and be in the process of buying a house/flat to rent out and buying my own house with the misses. Might take more like 5 years though tbh.

[Moke]

Hopefully a fully trained police officer; moved out with the missus and living a good, happy life.

That's all I want :)

[Jay_]

3 years ago I planned to have a house and join the police,managed to do both sooo in 3 years time I plan on getting a new car and maybe specialising in my job

Hopefully have finished my apprenticeship, driving an s-line audi a3, and be applying for the police.

From what i can see at the moment struggling along, by end of next year will be qualified level 3 plumbing and mechanics, would like to join the police though (traffic officer) not sure where to start with that one where to get my self on to the ladder.

Hopefully a fully trained police officer; moved out with the missus and living a good, happy life.

That's all I want :)

Can I ask why you all want to join the Police?

[Liamjrhodes]

Either finished at uni and in full time employment at a decent engineering firm or still at uni doing my masters. Don't know about anything else all depends on the above :D

[Simpkins]

Blimey a lot of people wanting to be in the Police Force!
I should be finishing my apprenticeship and be Designing and Developing Vauxhall Police cars.
Car wise, I want a Fiesta ST (Not popular here I see).

[Mochachino]

I honestly have no idea.

I really enjoy my job, like seriously enjoy it lol and the people I work with. Although its very poorly paid at around 18k per year. I could possibly be promoted next year and have a basic salary of 18k, but still it aint a great deal. I could persue a career in the distribution and warehousing industry and in the long long run earn around 60k for operations manager, might not happen but its nice to aim. Only problem being I really would not enjoy that job, its a shame I enjoy the job nearer the bottom of the ladder.

I would like to set up a couple of businesses which return the same amount of money of my salary, maybe as well or maybe just solely that business.

Or I could be in the property market depending what happens with some stuff, it might be 1 years time, 3 years maybe 10 years time when that happens.

I have possibilities but not sure what route or whats going to happen. Enjoying life at the moment.

I really just want to make a house a home and have a decent car on the drive and live comfortably with the other half but still have prospects to progress higher with either a career or my own business. Obviously wanting more all the time!

[Saxoladlesta]

Can I ask why you all want to join the Police?

I am already a police officer, you can really make a difference doing the job.No day at work is ever the same at all,you never know what you will be responding to. Career wise it's a secure job as well

[Jay_]

I am already a police officer, you can really make a difference doing the job.No day at work is ever the same at all,you never know what you will be responding to. Career wise it's a secure job as well

I realised that after I quoted you, but couldn't be arsed editing.

I am only asking cos my Dad, Uncle and now brother in law are or were part of the police. And it's taking me by surprise that sax-p seems to be developing a moral compass.

[Prickle]

I am already a police officer, you can really make a difference doing the job.No day at work is ever the same at all,you never know what you will be responding to. Career wise it's a secure job as well

So are you called out a random times during the week or do you have a "shift pattern" or something?

[Ali123]

hopefully would of moved out by then and started up a garage in small unit on my own and hopefully expand

well, thats the plan !

[Saxoladlesta]

Some people may just want to drive around in fast cars all day like they see on road wars Etc etc, I got fed up of working in a job where although I had targets to hit-at the end of my shift I never felt like I had achieved anything.

[Saxoladlesta]

So are you called out a random times during the week or do you have a "shift pattern" or something?

Got a 10 week shift pattern mate, but if needed they can cancel one of your rest days (like during the riots last year)

[Jay_]

So are you called out a random times during the week or do you have a "shift pattern" or something?

shift patterns unless you're on call.

Bro in law does AMs, then PMs then a day off. Something like that. Unless you're on call.

Hated it when my dad was on call, could be out for a meal and he would just have to get up & leave.

[wicked-vtr]

Move up the ladder to commissioning engineer, hopefully stay on the same site or one similar. Mabie go self employed and earn some big money.
Living in small house with the Mrs, not a mansion but with decent furniture ect, not Ikea shit. Either company car or something nice for a daily with a interesting project tucked away in the garage.

[MrHouston]

What are you aiming for job wise in the army? I'm starting training in Jan I passed selection a couple months ago it's not as hard as it's made out to be.

As for me hope to be made corporal by then and be on tour somewhere. Should of managed to of saved up towards a house by then.

RLC, but i'm going in more so for when I eventually come out. Would like to work in private security ie. close protection or the police. But will have a trade so could always start a business. It opens up alot of options :y:

[motocrossjord]

i LOVE planning, just a shame it never goes the way i plan.

Atm, in 3 years time, i see my mum owning her dad's company, therefore me living like a king, chilling, 3 bed house, M3 on the drive and plenty of bikes in the workshop, couple kids, a decent GF.

Reality, ill prob's have killed myself on a bike.

[e8_pqck]

Some people may just want to drive around in fast cars all day like they see on road wars Etc etc, I got fed up of working in a job where although I had targets to hit-at the end of my shift I never felt like I had achieved anything.

What targets do you get?

[Saxoladlesta]

The targets were in my old job

[devilsadvocate]

Likely owning a house with the Mrs.
Still in the same job most likely but would be in a position by then to become a contractor.
I would like to avoid working in London but I think it will be the only option if things get tough here.
Probably still have the 200, unless my work miles increase a lot.

[Davyy]

Can I ask why you all want to join the Police?

A fairly decent starting wage, a good amount of career progression possible, lots of perks, drive nice cars, good pension, varied job on a daily basis, etc etc

[Oli-VTR]

hopefully a lieutenant in the RTR..

[Jay_]

A fairly decent starting wage, a good amount of career progression possible, lots of perks, drive nice cars, good pension, varied job on a daily basis, etc etc

Not to sure on those two, and the police pension scheme is being changed as far as I know...

[0rang3peel]

I expect my mrs will be earning big bucks by then and as a result I will have left my job and moved to where her work takes her.

stay at home husband ftw

[Davyy]

Ideally i want to be in the traffic police so would drive the futures equivalent to a octavia vrs or a decent beemer etc..

And through the scheme i believe you can get discounted home prices or atleast a better mortgage

[Ash1711]

canada if i pass this year in college be fully qualified accountant...just gota convience the gf to move lol

When you say fully qualified is that with a degree or a professional body? Ie, ICAEW/ACA/CIMA?

In 3 years time i will be on a better wage than i am now, hopefully somewhere else because the boss is a twat here. Maybe in a new house rather than the apartment me and my gf have been living in for the last year, our little boy will be 3 years old and hopefully i'll be riding a R1 or GSXR1000 - bring on my CBT next summer! :panic:

[Ross]

When you say fully qualified is that with a degree or a professional body? Ie, ICAEW/ACA/CIMA?

In 3 years time i will be on a better wage than i am now, hopefully somewhere else because the boss is a twat here. Maybe in a new house rather than the apartment me and my gf have been living in for the last year, our little boy will be 3 years old and hopefully i'll be riding a R1 or GSXR1000 - bring on my CBT next summer! :panic:

The "twat boss" is good enough to let you on saxp during the working day though ;)

[Ash1711]

Yea he "lets" me because I need a break from him every now and again ;)

[brianS]

In 3 years I will have been married for two years, hopefully a child and driving about in a Porsche, the married bit and kid are a given the car is still a sticking point with the Missus.
The new house will prob be built by then also. Will still be digging the pool though no doubt

[e8_pqck]

Only a few people have stated wether the last three years have been a success, are you all where you wanted/expected to be, if not, what could you have done better?

[Phils_VTR]

Chillin, killin.

I'm 20 so at 23 I still hope to be having fun. I have a beautiful car, a beautiful girlfriend, easy and well paid p/h job and recently started college. Very happy with a lot of things in life other than home stuff.

In 3 years I will have (hopefully) just finished my first year in my University diploma in Film Making. Will have lived out of my shithole town for a year, found my friends and will have moved into a houseshare together for this year (maybe I'll be living with my GF instead or also?). Many things to be happy about now and to look forward to, however nothing will go quite as planned. Not for anyone. Just enjoy the journey. :afro:

[Davyy]

Only a few people have stated wether the last three years have been a success, are you all where you wanted/expected to be, if not, what could you have done better?

Passed my Alevels, not with great grades as i decided not to go to uni, so if i could change anything i would have tried harder anyway to get slightly better grades, not tthat it would have made any difference. My plan was to get an apprenticeship in Customer Service and Admin, which I have done which is quite good pay for an apprenticeship so pretty happy at the moment.

[Prickle]

Only a few people have stated wether the last three years have been a success, are you all where you wanted/expected to be, if not, what could you have done better?

A few things i would change but its not going to happen so ive got to suck it up and get on with how it is now.

[iVTR]

Used to want to join the Police, decided I just could not sit in one of them mobile speed camera vans if they asked me too.

[wheeler]

Bending the rules slightly on the 3 year thing but:

2008: moved to york for a girl (I was 22)
october 2008: mortgage/bought the house I live in now.
2009: stuck in a relationship where I was miserable..
jan 2010: broke up with her, decided I might as well stay in york as I'd bought the house (24 years old)
2-3 months later: met another girl... too fast for me to realise it was all wrong
summer 2010: she moved in after quite a lot of pressure from her mum (think her mum just wanted her out - retrospectively I shoulda run for the hills)
october to november 2010: my mum was diagnosed with cancer and died 6 weeks later
2011: (25 years old) mixed up depressed part of my life, clutching at all the wrong straws and got engaged in march. She slowly turned into a possessive monster
2012: after lots of arguments and other stuff I ditched her in april this year..

may 2012 to now: absolutely epic summer with my friends, camping, motorbiking, mountain biking, scotland tour for a week, watching bike racing, went to the nurburgring with the lads, bought a saxo, joined up here, just been to cadwell park at the weekend - I'm having an absolute blast at the minute and the happiest I've ever been.

Just to all the lads hoping to have a beautiful missus and be married in 3 years time, just be wary you don't grow up too quick for the sake of it 'because its normal and what everyone else does' etc. Live life a bit before you get padlocked in with a mortgage and kids; the former is difficult & expensive to get out of, the latter is for life and not something you can walk away from (unless you're an absolute bell end).

The next 3 years: feck knows really. After my mum disappared so fast without any warning I kinda realised just how easy life can change - or end... With that in mind I wanna do as much epic stuff as possible. It seems when I've nothing planned, that's when the most exciting things happen. Spend more time with my dad. Do more stuff with the lads. Avoid getting sucked into another relationship with constant compromise. Oh and paying off some of my credit cards would be nice.

[iVTR]

Bending the rules slightly on the 3 year thing but:

2008: moved to york for a girl
october 2008: mortgage/bought the house I live in now.
2009: stuck in a relationship where I was miserable..
jan 2010: broke up with her, decided I might as well stay in york as I'd bought the house
2-3 months later: met another girl... too fast for me to realise it was all wrong
summer 2010: she moved in after quite a lot of pressure from her mum (think her mum just wanted her out - retrospectively I shoulda run for the hills)
october to november 2010: my mum was diagnosed with cancer and died 6 weeks later
2011: mixed up depressed part of my life, clutching at all the wrong straws and got engaged in march. She slowly turned into a possessive monster
2012: after lots of arguments and other stuff I ditched her in april this year..

may 2012 to now: absolutely epic summer with my friends, camping, motorbiking, mountain biking, scotland tour for a week, watching bike racing, went to the nurburgring with the lads, bought a saxo, joined up here, just been to cadwell park at the weekend - I'm having an absolute blast at the minute and the happiest I've ever been.

Just to all the lads hoping to have a beautiful missus and be married in 3 years time, just be wary you don't grow up too quick for the sake of it 'because its normal and what everyone else does' etc. Live life a bit before you get padlocked in with a mortgage and kids; the former is difficult & expensive to get out of, the latter is for life and not something you can walk away from (unless you're an absolute bell end).

The next 3 years: feck knows really. After my mum disappared so fast without any warning I kinda realised just how easy life can change - or end... With that in mind I wanna do as much epic stuff as possible. It seems when I've nothing planned, that's when the most exciting things happen. Spend more time with my dad. Do more stuff with the lads. Avoid getting sucked into another relationship with constant compromise. Oh and paying off some of my credit cards would be nice.

Respect to you good sir.

:y:

[Ross]

Come base jumping/skydiving. There are no other thoughts other than what's going on around you. Complete mental freedom :)

[wheeler]

Come base jumping/skydiving. There are no other thoughts other than what's going on around you. Complete mental freedom :)

Yeah sky diving is on my bucket list, base jumping frightens me a bit though with buildings/terrain to hit and less time to get your chute out lol. I get a similar mental freedom when riding my gsx-r - thought it was the only way of attaining that state until the weekend where I took the saxo to cadwell.. Towards the end of the day I was reaching that meditation like state of mind, so much stuff going on that you're almost on autopilot and not actually actively focussed on what you're doing.

I like that alot :)

[matt_vtr_15a]

Got a nice house & car so hopefully will have saved and built an extension on the back or upgraded house to a city centre apartment or penthouse, upgraded the car to something with single figure mpg.

I hope to have my own property development business by then to fund the above, if not I will more than likely be working for the same Architectural Practice and doing bits on the side (extensions for houses etc) for extra revenue...

Hopefully no kids or girlfriend, batchelor lifestyle till I hit 30's :y:

[L20VTS]

I really don't think ahead and certainly not that far.

Probably still be pretty much doing what I am now, I'd hope for my 106 gti to still be alive and maybe a bit faster. Been looking at getting a 407 diesel esate at some point.

Hm 3 years is a long time, might not even make it that far lol.

[Saxoladlesta]

Ideally i want to be in the traffic police so would drive the futures equivalent to a octavia vrs or a decent beemer etc..

And through the scheme i believe you can get discounted home prices or atleast a better mortgage

Na no perks like that unfortunately,traffic is extremely hard to get into but is a good goal to have,just remember first two years you're on probation so won't be specialising until after that

[holdawayt]

I really have no idea. I'll be sitting in my pants playing GTA5 still probably haha.

Hopefully I'll be in a different job doing something I enjoy rather than dreading work and nothing changing. I aim to have my bike license and maybe a nice flat.

The last 3 years havent been great. At 18 I went off to uni, left after 3 months and started work at a clothes shop and go kart track. Was actually quite happy doing this until a family member offered me a job at his company.

I've been here since and although the people are ok and it's an impressive job. I look around the office and see miserable people in their 40's in the same posistion. I'd like better.

[Jack_Norris]

In three years i'll be out of uni and in 40k debt :panic:

[josh11490]

If we are talking about the last 3 years then.

Left school with shit GCSEs, went to college todo btec level 2 IT and done shit at that, just had a laugh.
Then started level 3 btec IT in the second year I was asked to leave because I didn't like it I was doing work etc.
now I'm doing fuck all and doing very thing I can to find employment which is proving fucking impossible, and getting depressing.

Got no one else to blame though except my self and I probably live the most boring life possible for an 18 year old.

[Prickle]

If we are talking about the last 3 years then.

Left school with shit GCSEs, went to college todo btec level 2 IT and done shit at that, just had a laugh.
Then started level 3 btec IT in the second year I was asked to leave because I didn't like it I was doing work etc.
now I'm doing fuck all and doing very thing I can to find employment which is proving fucking impossible, and getting depressing.

Got no one else to blame though except my self and I probably live the most boring life possible for an 18 year old.

:P

similar thing for me!

Got turd GCSE's did level 2 IT. unsure what to do next, got a 6 month job with the council :zainy: then signed on for a year or so. Currently in a dead end perm job.

my fault.

all aboard the lifefailboat.

[josh11490]

:P

similar thing for me!

Got turd GCSE's did level 2 IT. unsure what to do next, got a 6 month job with the council :zainy: then signed on for a year or so. Currently in a dead end perm job.

my fault.

all aboard the lifefailboat.

Haha life can't really get much worse for me tbh, I can't even sign on get for some stupid reason, so I have zero money until after Christmas, and can't find a job :/ hopefully ill find a job and next year can be better.

[Sam]

Ive not got a clue, but i already have my own house, job is well paid and the rota givss me plenty of time off. I think i may be engaged and possibly have a kid.

[e8_pqck]

:P

similar thing for me!

Got turd GCSE's did level 2 IT. unsure what to do next, got a 6 month job with the council :zainy: then signed on for a year or so. Currently in a dead end perm job.

my fault.

all aboard the lifefailboat.

How old are you John?

I went to Uni at 24yo with no qualifications straight out the army. Didn't even do A levels, though i had a bit of an engineering apprenticeship and interest enough to get on an engineering degree, didn't even have to do a foundation year, there are also other courses you can get on.

Don't give up yet!

[e8_pqck]

Ive not got a clue, but i already have my own house, job is well paid and the rota givss me plenty of time off. I think i may be engaged and possibly have a kid.

problem is, where do you go from there. Would you be happy doing the same thing in three years time?

[Brettles1986]

Haha life can't really get much worse for me tbh, I can't even sign on get for some stupid reason, so I have zero money until after Christmas, and can't find a job :/ hopefully ill find a job and next year can be better.

You live at home with your parents, it could be a lot worse.

[Sam]

problem is, where do you go from there. Would you be happy doing the same thing in three years time?

Yer im in the 40% tax bracket, i work about 115days a year. Ive got a change of work location coming up in March so that will provide new challenges :) So in 3 years i will be happy where I am :)

[iVTR]

Question: People with your own houses.. How much do you pay a month like roughly? Rent or mortgage? Is it worth it?


Cheers

[e8_pqck]

Yer im in the 40% tax bracket, i work about 115days a year. Ive got a change of work location coming up in March so that will provide new challenges :) So in 3 years i will be happy where I am :)

Well at least your happy doing that. I don't like the thought of working for the people that currently work for me as that means i'm going nowhere.

[Saxoladlesta]

Question: People with your own houses.. How much do you pay a month like roughly? Rent or mortgage? Is it worth it?


Cheers

I pay £598 a month mortgage,didn't want to rent so stayed at home until I had enough money to put a deposit down. I personally see rent as dead money.

[e8_pqck]

I pay £598 a month mortgage,didn't want to rent so stayed at home until I had enough money to put a deposit down. I personally see rent as dead money.

Why? For an over priced asset that isn't yours, all you're doing is renting off the bank for an inferior house.

[wheeler]

breakdown of properties I've rented/own..

first place was a shared flat with a mate £280 a month in 2007
then shared flat with a mate 6 months later £360 a month
got a flat with the ex ex, she sturggled to find work so I ended up paying £525 a month
moved to York, started renting a semi house, £675 a month
then got mortgage on the place I have now at the end of 2008 when the recession was becoming daily news, mortgage at 6.6% for 5 years = £777.68/month mortgage payment + bills (about another £300).

Everyones skipping round with their low % mortgage payments at the minute, I'm still living back in 2008 when money was flowing a bit easier. f*** my life. Changing deal next year when the 5 year fix runs out.

[Prickle]

How old are you John?

I went to Uni at 24yo with no qualifications straight out the army. Didn't even do A levels, though i had a bit of an engineering apprenticeship and interest enough to get on an engineering degree, didn't even have to do a foundation year, there are also other courses you can get on.

Don't give up yet!

Fair play.

23 in Jan :(

Im kinda hoping i can move up the ladder in this job. I remember the manager saying when i settled in the Job in January about moving up at somepoint but its near a year on and im wondering if its going to happen. How many years do i have to be in this company for!?!? Atm my wage is the lowest. From mine is £9.60, ph then £13/4 ph and rises from there. Tech guys and the people that run the fryers (PT's) are on that wage. *must be nice.

I'd be happy with £9.60ph hr. (General Operator wage).

[Brettles1986]

£595 for what is virtually a palace compared to some of my previous rented properties

[Saxoladlesta]

Why? For an over priced asset that isn't yours, all you're doing is renting off the bank for an inferior house.

An inferior house compared to???

[iVTR]

Completely agree mortgage is the way to go.

Guess renting can be convenient if you're not planning on being their long though.

:y:

[Brettles1986]

The only reason I want a mortgage is to have something to leave to my daughter when I'm gone, other than that I see no rush

[camble]

I'm almost 21.
In the last 3 years I did my first year of uni, got offered a very good job in a design agency, took the job and left uni.

After 18 months I left the agency as I wanted to set up on my own.

I've now been on my own working freelance for 3/4 months, fingers crossed I've had a lot of good projects come my way and met some very good contacts.


I will work my hardest to progress my business, manage my money better and and settle into a happy life.

I want to have moved into my own house, have a decent car as the vast majority of the money will be on the mortgage, have a nice little toy to play with on weekends and on track.

[josh11490]

You live at home with your parents, it could be a lot worse.

Suppose I got that haha would much rather be working and paying my own way though :/ constantly looking or jobs and no one but myself to blame really.

[ed-bradley]

Face down at the side of the road.


I'd like to see myself in the RAF by then. Can't stand living on the Isle of Man anymore tbh, to secluded. Failing that, working in the US with family.

[e8_pqck]

An inferior house compared to???

Well, paying £800 a month plus maintenace and everything that goes with it for a house you could rent for £450, unless you can get a good deposit together. You're right, it is worthit in the end, but the houses are still over priced in todays market.

[e8_pqck]

Fair play.

23 in Jan :(

Im kinda hoping i can move up the ladder in this job. I remember the manager saying when i settled in the Job in January about moving up at somepoint but its near a year on and im wondering if its going to happen. How many years do i have to be in this company for!?!? Atm my wage is the lowest. From mine is £9.60, ph then £13/4 ph and rises from there. Tech guys and the people that run the fryers (PT's) are on that wage. *must be nice.

I'd be happy with £9.60ph hr. (General Operator wage).

Seriously, go to uni, have a blast but work hard - you'll never look back. You can walk back into a job as trainee management material with good prospects, a degree really does open a lot of doors. Do business or something. That was one thing about engineering, we actually had a lass in our class but didn't realise until her name appeared on the exam results sheets.

[Saxotim]

keep plugging away at what im doing, finish my foundation degree this year, maybe top it up to bsc, finish my development role at work in 18 months, get my pay rise then i'll be just about set.

renting my own flat as of 21st december, save for my own house probably in 2 years. bob on.

[Jay_]

Face down at the side of the road.


I'd like to see myself in the RAF by then. Can't stand living on the Isle of Man anymore tbh, to secluded. Failing that, working in the US with family.

Fuck you. :(

[Jay_]

BUT,

tonight I had my first rehearsal in a 900 seat theatre. And I fecking love it. I want to be doing this every day.

Playing drums, earning enough money to live off, maybe a bit more.

[Prickle]

BUT,

tonight I had my first rehearsal in a 900 seat theatre. And I fecking love it. I want to be doing this every day.

Playing drums, earning enough money to live off, maybe a bit more.

bitches be comin' left right un centre boy0

[Jamie]

Hopefully in a better place. i.e. house with the gf finally living it up again.

If not... forever alone with an 8 ball a day.

[Jay_]

bitches be comin' left right un centre boy0

I will try and get a picture of said bitches tonight. All dancing and being cool. :homme:

[MuZiZZle]

Completely agree mortgage is the way to go.

Guess renting can be convenient if you're not planning on being their long though.

:y:


Dear lord, why would you rent?!?!? you're just paying somebody elses mortgage off :homme:

Plus in the long term property prices rise, I know now is a bit shitty, but overall they do.

For example, yesterday I was looking at my folks old house, they bought it new 20 years ago, it's gone up 11k a year in value

my old flat has gone up 5.5k a year since I purchased that 10 years ago, and that was a tiny, shitty thing

play the long game dudes!

[rey]

Seriously, go to uni, have a blast but work your bollocks off - you'll never look back. You can walk back into a job as trainee management material with good prospects, a degree really does open a lot of doors. Do business or something, loads of flange on those courses. That was one thing a bit wank about engineering, we actually had a bird in our class but didn't realise until her name appeared on the exam results sheets.

Engineering is a cock fest. We had 2 girls in my class of >100 people.

Although, the walk into a job bit is a tad dubious...

Also, as for the 3 years thing:

- Buying or bought my own house.
- In a decent job I enjoy.

[Brettles1986]

Dear lord, why would you rent?!?!? you're just paying somebody elses mortgage off :homme:

Plus in the long term property prices rise, I know now is a bit shitty, but overall they do.

For example, yesterday I was looking at my folks old house, they bought it new 20 years ago, it's gone up 11k a year in value

my old flat has gone up 5.5k a year since I purchased that 10 years ago, and that was a tiny, shitty thing

play the long game dudes!

But inline with that, other property prices rise which essentially means you are in no better a position. Unless of course you then downgrade.

[MuZiZZle]

But inline with that, other property prices rise which essentially means you are in no better a position. Unless of course you then downgrade.

but once you pay your mortgage off you're laughing!

[Brettles1986]

but once you pay your mortgage off you're laughing!

Not unless you sell your house, your kids will probably be laughing though.

[0rang3peel]

Not unless you sell your house, your kids will probably be laughing though.

I think he means as in, no rent and no mortgage payments so whatever you earn you pretty much have to spend.

but by the time the majority of people have paid off the mortgage on a decent property they will be near enough retired and have no income anyway lolololol

[wheeler]

Yeah I looked at my mortgage statement the other day, £130k mortgage, by the time I've repaid it in 30 years I'll have paid back £270k with all the interest. oww.

[Brettles1986]

Yeah I looked at my mortgage statement the other day, £130k mortgage, by the time I've repaid it in 30 years I'll have paid back £270k with all the interest. oww.

And that's assuming you stay on your current rate

[e8_pqck]

And that's assuming you stay on your current rate

exactly - where's it likely to go at 0.5%! House prices will keep falling untill they raise it too, but they cant becasue the house of cards will come crashing down as everyone is already struggling to pay off their over priced asset.

Muzzizle is speaking from sidelines having bought ten years ago when prices were moderately fair.

Now is not the time, don't get me wrong, i'm all for mortgages and buying your own home but you need to understand the market you are buying into.

carte blanche "buy your own so your not paying for someone elses" isn't a valid reason when the house you buy will devaluate more in a year than your paying on rent. I've been watching houses for 18 months and they have all gone down.

look for yourself.

www.propertysnake.co.uk

[blackie_2k5]

exactly - where's it likely to go at 0.5%! House prices will keep falling untill they raise it too, but they cant becasue the house of cards will come crashing down as everyone is already struggling to pay off their over priced asset.

Muzzizle is speaking from sidelines having bought ten years ago when prices were moderately fair.

Now is not the time, don't get me wrong, i'm all for mortgages and buying your own home but you need to understand the market you are buying into.

carte blanche "buy your own so your not paying for someone elses" isn't a valid reason when the house you buy will devaluate more in a year than your paying on rent. I've been watching houses for 18 months and they have all gone down.

look for yourself.

www.propertysnake.co.uk



BUT...they will go back up at some point..and most likely alot sooner then ppl will end up paying their mortgage off lol

interest is a joke these days

[Jazz]

Getting on the property ladder is a royal pain in the arse right now even if the mortgage rates are low.

When things begin to ease off than fair enough, until then I'm happy in my folk's 6-bed detached, helping out with the bills/costs, savings loads and enjoying my cars.

[blackie_2k5]

Getting on the property ladder is a royal pain in the arse right now even if the mortgage rates are low.

When things begin to ease off than fair enough, until then I'm happy in my folk's 6-bed detached, helping out with the bills/costs, savings loads and enjoying my cars.

i would be too..

but they had me out years ago lol, paying some cunt elses £500 a month mortage now

it really does suck major arse, i have the choice of living a nice life while supporting my family

or living a shitty life for a long time till i have a decent deposit to hand

[Jazz]

i would be too..

but they had me out years ago lol, paying some cunt elses £500 a month mortage now

it really does suck major arse, i have the choice of living a nice life while supporting my family

or living a shitty life for a long time till i have a decent deposit to hand

Yeah fair play dude you do what you have to do...

For my parents it works out nicely as my dad only needs to work 3-4 days a week, me and my school-teacher sis take care of a lot of the bills, although when she eventually moves out with her BF that will change.

Maybe I should move out anyway. Might stop me blowing my cash on a new car every few months lol. Still trying to save for something resembling a deposit for the future.

[blackie_2k5]

fuck that...id rather be back home haha

in all honesty mate, getting some nice savings behind you would be the best thing you can possibly do :y:

i dont do too bad pay wise..but paying a private rent plus family, 2 cars,bills and wanting to live like i do..doesnt leave too much for savings :cool:

but all going well, earning should be doubled at least in the next two years, which will help alot :)

[e8_pqck]

BUT...they will go back up at some point..and most likely alot sooner then ppl will end up paying their mortgage off lol

interest is a joke these days

interest rates or value?

when the value bottoms out you can count on an increase in interest rates. That's when the real test comes.

[Jazz]

i dont do too bad pay wise..but paying a private rent plus family, 2 cars,bills and wanting to live like i do..doesnt leave too much for savings :cool:

but all going well, earning should be doubled at least in the next two years, which will help alot :)

Good on you man, keep it going.

Hoping to scape together a decent deposit but I want to see where my career takes me first. Ideally I'd like to look at banking/finance jobs in London when I have a bit more experience, that's my goal.

[Jazz]

interest rates or value?

when the value bottoms out you can count on an increase in interest rates. That's when the real test comes.

Despite the current interest rates I'd say now is still one of the most difficult times for first time buyers.

Its just the huge deposits required and the ever tighter lending restrictions.

Base rate isn't due to increase for a long while, in fact there was speculation it might even drop to 0.25% (not likely but who knows.) Those on trackers will be laughing, savers will be hanging themselves.

[blackie_2k5]

Despite the current interest rates I'd say now is still one of the most difficult times for first time buyers.

Its just the huge deposits required and the ever tighter lending restrictions.

Base rate isn't due to increase for a long while, in fact there was speculation it might even drop to 0.25% (not likely but who knows.) Those on standard variables will be laughing, savers will be hanging themselves.

this is what the problem is

for a 100k house...youll need 15 ish k just to get into it


how many ppl have 15k spare these days? (thats just an example btw)

[Jazz]

this is what the problem is

for a 100k house...youll need 15 ish k just to get into it


how many ppl have 15k spare these days? (thats just an example btw)

Exactly.

Round my way 100k won't even get you a tiny flat. It's ridiculously difficult for the average Joe to get his foot in the door.

[knight-22]

Oh well in three years time we could be walking round a zoo
With the sun shining down over me and you
And there'll be love in the bodies of the elephants too
And I'll put my hands over your eyes, but you'll peep through

Cos I'll be laughing at all your silly little jokes
And we'll be laughing about how we used to smoke
All those stupid little cigarettes
And drink stupid wine
Cos it's what we needed to have a good time

And it was fun fun fun
When we were drinking
It was fun fun fun
When we were drunk
And it was fun fun fun
When we were laughing
It was fun fun fun
Oh it was fun.

[Ryan]

Exactly.

Round my way 100k won't even get you a tiny flat. It's ridiculously difficult for the average Joe to get his foot in the door.

Pretty much need 140k+ and that's in a shit area..

Houses 180k again if lucky.

[Saxoladlesta]

We went for new build, paid 5% deposit which was £9,000 they paid surveys solicitors fees etc we have to pay 15% back in 10 years as well as paying the mortgage

[Ryan]

We went for new build, paid 5% deposit which was £9,000 they paid surveys solicitors fees etc we have to pay 15% back in 10 years as well as paying the mortgage

The part ownership schemes seem to be the only way many can get onto the market. Shame quite a few tie you into places with stupid rates on things like 'building maintanence' and priority to people within certain areas.

[e8_pqck]

We went for new build, paid 5% deposit which was £9,000 they paid surveys solicitors fees etc we have to pay 15% back in 10 years as well as paying the mortgage

Whereabouts in leicestershire are you?

In ten years i'd hope to pay a damn site more than 15%!

[Saxoladlesta]

It's not part ownership we had an 85% mortgage and the 15% needs to be paid within 10 years so still own 100% of the house, some people I know do the "pay £x and own 40% of the house" yet they have to pay rent and also the mortgage.

Live in countesthorpe.

[e8_pqck]

It's not part ownership we had an 85% mortgage and the 15% needs to be paid within 10 years so still own 100% of the house, some people I know do the "pay £x and own 40% of the house" yet they have to pay rent and also the mortgage.

Live in countesthorpe.

I went to school in Lutterworth, lived in Ullesthorpe - been looking at houses back there! Not sure if i can go back to village life though. Countesthorpe isn't too bad - far enough away from the city still but still close enough to get a taxi.

[blackie_2k5]

shared equity puts me off tbh

not my thing..if i cant own it ill not bother :n:

[Saxoladlesta]

Ullesthorpes nice,house prices are stupid in proper villages though.

[Sam]

We went for new build, paid 5% deposit which was £9,000 they paid surveys solicitors fees etc we have to pay 15% back in 10 years as well as paying the mortgage

Ive gone for a new build and have a similar deal to you, but its 70% Mortgage, 5% Deposit, 20% "Loan" from the building Company. I put an amount into a pot each month and that should pay it off before they introduce the intrest in 10years time.

The part ownership schemes seem to be the only way many can get onto the market. Shame quite a few tie you into places with stupid rates on things like 'building maintanence' and priority to people within certain areas.

From my reseach before buying my house, its the Goverment schemes that give priority and they delve much deeper into your own history/family history and even people who may stay at the property on a semi regular basis. It then says what size house you can get with the goverment grant.

shared equity puts me off tbh

not my thing..if i cant own it ill not bother :n:

I have a shared equity and own 100% of the house, I just have a large intrest free (10years) with the building company.

[hellonpluto]

3 years will be kids kids kids and a dog

[iVTR]

Dear lord, why would you rent?!?!? you're just paying somebody elses mortgage off :homme:

Plus in the long term property prices rise, I know now is a bit shitty, but overall they do.

For example, yesterday I was looking at my folks old house, they bought it new 20 years ago, it's gone up 11k a year in value

my old flat has gone up 5.5k a year since I purchased that 10 years ago, and that was a tiny, shitty thing

play the long game dudes!


Sorry, I meant convienient if you are only living there for like a month or 2.

I'd never rent. :y:

[Ross]

Yeah I looked at my mortgage statement the other day, £130k mortgage, by the time I've repaid it in 30 years I'll have paid back £270k with all the interest. oww.

I wont even go there with our £240k mortgage then ;)

I hate to say it but the only real way to pay it off and live better for it in real terms is when a parent/etc dies and leaves you THEIR property which you can then sell etc.

My grandparents had the foresight to consider that by the time they died, their own children would be settled and able to afford their own place, but the grandchildren would be the ones struggling to get on the property ladder. Which is very true. My grandfather is still alive at 92, and my father (at 67) is comfortably well off on his own. What good is it to him to get another £200k? Sure it'd be nice, but better to give to me to establish my family.

In the cold light of day, that's the best situation you can hope for. Of course, not everyone is so lucky/fortunate I appreciate that, but if I could, that's what I'd do - leave it for the grandkids.

Of course, if every generation did that, the ones skipped over would suffer, but it works as a one off :)