Young people and sensible boring saloons
Discussion
C70R said:
xjay1337 said:
Some stuff, completely ignoring most points.
C70R said:
It absolutely is if your priority isn't to spunk your income on buying and 'modding' a car, while shelling out on rent what you could spend on a mortgage. If you really wanted to buy, based on the figures you've presented, it would be easily doable.
My point is simply that so often the message from young people is "It's impossible to get on the housing ladder". When in fact, the reality is closer to "I don't want to make the lifestyle concessions necessary to get on the housing ladder".
Go back and look at the example of my parents. They were 25 (and two years married) before they even lived on their own, because that was what they wanted more than anything else.
Your priorities are your business, even if I don't agree with them. However, it's a bit pathetic to moan about how tough you've got it if you choose not to take the opportunities offered to you.
It's nowhere close to being impossible if you're willing to work for it.
Honestly, I don't know how such a delicate flower could survive somewhere like this... My point is simply that so often the message from young people is "It's impossible to get on the housing ladder". When in fact, the reality is closer to "I don't want to make the lifestyle concessions necessary to get on the housing ladder".
Go back and look at the example of my parents. They were 25 (and two years married) before they even lived on their own, because that was what they wanted more than anything else.
Your priorities are your business, even if I don't agree with them. However, it's a bit pathetic to moan about how tough you've got it if you choose not to take the opportunities offered to you.
It's nowhere close to being impossible if you're willing to work for it.
http://www.rightmove.co.uk/property-for-sale/prope...
http://www.rightmove.co.uk/property-for-sale/prope...
http://www.rightmove.co.uk/property-for-sale/prope...
http://www.rightmove.co.uk/property-for-sale/prope...
Edited by C70R on Thursday 20th October 17:46
Those houses aside from one are all in town centre locations and 2 are on or next to roads which have had multiple cars keyed and assaults.
Local knowledge m9.
S10GTA said:
You don't need to do nothing to be able to afford a house, but you need to make sacrifices, which you don't seem to understand. See previous page, I've almost halved your deposit saving time.
Theres not spending £750 a month modding your car (fine) and then theres people who earn half what i do who after all their bills have gone out are left with 300 quid for the month.The point os my 1500 quid of dispoable income is mine to do with as I please. Now that the mrs and i are in together i will be more sensible.
Others dojt even earn 1500 quid a month so please tell me what they can do with 300 quid a month left over.
xjay1337 said:
S10GTA said:
You don't need to do nothing to be able to afford a house, but you need to make sacrifices, which you don't seem to understand. See previous page, I've almost halved your deposit saving time.
Theres not spending £750 a month modding your car (fine) and then theres people who earn half what i do who after all their bills have gone out are left with 300 quid for the month.The point os my 1500 quid of dispoable income is mine to do with as I please. Now that the mrs and i are in together i will be more sensible.
Others dojt even earn 1500 quid a month so please tell me what they can do with 300 quid a month left over.
Tuvra said:
There's a guy at our Rugby Club that has just got a white Type R, I laughed my socks off when I heard, I had to see it to believe it.
The guy is about 52 and because hes an amateur rugby referee, he's normally in tracksuits, sports tops and some of the most hideous, unfashionable trainers the world has ever seen, think:-
rvwPykBPFVl8JdsQ~~60_3.JPG)
Tickles me to this day
For the record, this guy is not a petrol head, he's had all kinds of bland Korean SUV's for the last 10 years so this was a total shock.
I went to a private grammar school and the headmaster was an older guy, very smart and proper and everything you would expect a headmaster of a private grammar school to be taken at face value. However, while I was at school he went through a succession of Honda Civic Type Rs. I quite liked the apparent contradiction.The guy is about 52 and because hes an amateur rugby referee, he's normally in tracksuits, sports tops and some of the most hideous, unfashionable trainers the world has ever seen, think:-
Tickles me to this day
For the record, this guy is not a petrol head, he's had all kinds of bland Korean SUV's for the last 10 years so this was a total shock.
There were a few teachers there who were more boy racer types than the pupils in terms of how they drove as well.
JakeT said:
I drive a 3 series and I am 20... 
It is an old 325ti which didn't cost me a whole load, and I bought it because it is RWD, manual and has a straight six. Also, my Golf GTi was really boring, and cost more to run. I was looking at Vauxhall omegas to run during my final year of university after my year in industry, but I bought a shed of a 3 series compact... Because it was £100 with MOT until feb. The badge doesn't bother me in the slightest.
I could lease a Golf R or something like that... But I want a house before I am 30... Boring...
Metaphorical cap is doffed to you sir nice car It is an old 325ti which didn't cost me a whole load, and I bought it because it is RWD, manual and has a straight six. Also, my Golf GTi was really boring, and cost more to run. I was looking at Vauxhall omegas to run during my final year of university after my year in industry, but I bought a shed of a 3 series compact... Because it was £100 with MOT until feb. The badge doesn't bother me in the slightest.I could lease a Golf R or something like that... But I want a house before I am 30... Boring...
But i dont think your the thread target.IMHO A 325ti isnt that aspirational , Less your a PH Car beard like most on here.
Its an interesting thread, And most of the lads my age who had MG ZR's or barried fords drive grey audi A3 Diesels these days.
xjay1337 said:
Cheap humour attempt aside.
Those houses aside from one are all in town centre locations and 2 are on or next to roads which have had multiple cars keyed and assaults.
Local knowledge m9.
Those houses aside from one are all in town centre locations and 2 are on or next to roads which have had multiple cars keyed and assaults.
Local knowledge m9.
Keep on putting up those barriers, "m9". It all sounds like entitled excuse-making to me...
xjay1337 said:
Do you live in Newbury?
Because I have for 25 years.
The areas with houses at that sort of price are abysmal. If you want to live in Benefits central, wife beaters and daytime drinking then be my guest. Majority of properties which aren't in bad areas will need quite a lot of doing up.
It's very important to consider your local area. I could buy a very house in the Midlands for £120k. But it'd be miles away from friends. Miles away from family. Miles away from work.
You are not applying much in the way of real world logic.
Can't afford to buy where you live? Move (completely ignoring the impracticalities of such)
Can't afford a house? Do absolutely nothing (don't go out with friends ever) until you have bought a house.
Cloud cuckoo land.
Exactly. People forget that most of us have jobs which we can't shift - it's hardly the most amazing job market right now. Can't afford to buy where you work - spend obscene amounts on rent or travel.Because I have for 25 years.
The areas with houses at that sort of price are abysmal. If you want to live in Benefits central, wife beaters and daytime drinking then be my guest. Majority of properties which aren't in bad areas will need quite a lot of doing up.
It's very important to consider your local area. I could buy a very house in the Midlands for £120k. But it'd be miles away from friends. Miles away from family. Miles away from work.
You are not applying much in the way of real world logic.
Can't afford to buy where you live? Move (completely ignoring the impracticalities of such)
Can't afford a house? Do absolutely nothing (don't go out with friends ever) until you have bought a house.
Cloud cuckoo land.
Edited by xjay1337 on Thursday 20th October 17:20
I wouldn't want to be spending £5k per year solely on the train, plus travel to and from the station on the home side. Commuting into London is not pleasant.
As has been mentioned, suddenly this quite interesting thread has turned into the usual "if you don't own a house and a nice car by 25 you're a failure" stuff.
What amuses me is all this talk of "you can do it easily in as little as £35,000 per annum". Bit of a reality check needed for some people - not everyone earns that much, particularly at 25, it is simply not the norm. Get out if your little bubble of well off people and get into the real world, which is full of graduates spending months in the job market just to get a job paying not much more than minimum wage, often in a crappy call centre, working evenings and weekends and with no security whatsoever, often on zero hours or short hours contracts. Try bringing in £15k or even less and tell me you can wander up to a lender and get a mortgage for a £150,000 house, or indeed any house. Try saving for a deposit on that wage when you're single and renting somewhere. Just not happening.
Telling people their parents managed it is just silly. House prices have gone through the roof in the past 20 years, wages are at best frozen and in reality are going down. Companies are just able to treat staff appallingly and even if you get a job there's no security whatsoever, and often not even any guaranteed hours. The slightest mishap such as missing one payment on something by even one day completely screws your credit rating and after that if you do get a loan or mortgage you will be paying eye watering interest rates for the rest of your life.
This is where the normally excellent Pistonheads is terrible. Full of well off people who don't live in the real world and who deride anybody even marginally less successful than they are.
What amuses me is all this talk of "you can do it easily in as little as £35,000 per annum". Bit of a reality check needed for some people - not everyone earns that much, particularly at 25, it is simply not the norm. Get out if your little bubble of well off people and get into the real world, which is full of graduates spending months in the job market just to get a job paying not much more than minimum wage, often in a crappy call centre, working evenings and weekends and with no security whatsoever, often on zero hours or short hours contracts. Try bringing in £15k or even less and tell me you can wander up to a lender and get a mortgage for a £150,000 house, or indeed any house. Try saving for a deposit on that wage when you're single and renting somewhere. Just not happening.
Telling people their parents managed it is just silly. House prices have gone through the roof in the past 20 years, wages are at best frozen and in reality are going down. Companies are just able to treat staff appallingly and even if you get a job there's no security whatsoever, and often not even any guaranteed hours. The slightest mishap such as missing one payment on something by even one day completely screws your credit rating and after that if you do get a loan or mortgage you will be paying eye watering interest rates for the rest of your life.
This is where the normally excellent Pistonheads is terrible. Full of well off people who don't live in the real world and who deride anybody even marginally less successful than they are.
C70R said:
Keep on putting up those barriers, "m9". It all sounds like entitled excuse-making to me...
You can either accept that I may know better than you in this particular topic, or ignore me because you know everything.
as I have explained to you without any personalised credit information to me, to get a £220k mortgage you need around £40k deposit and then you're looking at £730 for 2 years and then £950 or whatever it was for the remainder.
(Look on Barclays)
In my case personally with a £10k deposit I was not able to get a Mortgage for more than £125k or something like that. Admittedly that was 2011/2012 or so. But nevertheless. That was literally scraping the bottom of the barrel, at the time only able to buy the worst properties (very small mid terrace studio flats) and similar
House prices have gone up (as has my income) but since I have not had a burning desire to buy a house I haven't seen what I could manage on my new income (40% tax payer).
My point is most people in reality don't earn £25k or more, they earn more like £18-£20k.
As I have broken down most people when already renting do not have the means to save more than a few hundred quid a month at best.
I think it's fair to say that while you may be able to save £500 a month as a low earner, to do so at the expense of a complete lack of social life, UNDERSTANDABLY, that may not be a sacrifice people are willing to take . After all we are all social creatures
(also, please stop making digs at me. I'm not complaining about not being able to buy a house. I full well know I could if I wanted to. I'm simply giving a young person's opinion and explaining the situation that many other under 25's are in).
zarjaz1991 said:
As has been mentioned, suddenly this quite interesting thread has turned into the usual "if you don't own a house and a nice car by 25 you're a failure" stuff.
What amuses me is all this talk of "you can do it easily in as little as £35,000 per annum". Bit of a reality check needed for some people - not everyone earns that much, particularly at 25, it is simply not the norm. Get out if your little bubble of well off people and get into the real world, which is full of graduates spending months in the job market just to get a job paying not much more than minimum wage, often in a crappy call centre, working evenings and weekends and with no security whatsoever, often on zero hours or short hours contracts. Try bringing in £15k or even less and tell me you can wander up to a lender and get a mortgage for a £150,000 house, or indeed any house. Try saving for a deposit on that wage when you're single and renting somewhere. Just not happening.
Telling people their parents managed it is just silly. House prices have gone through the roof in the past 20 years, wages are at best frozen and in reality are going down. Companies are just able to treat staff appallingly and even if you get a job there's no security whatsoever, and often not even any guaranteed hours. The slightest mishap such as missing one payment on something by even one day completely screws your credit rating and after that if you do get a loan or mortgage you will be paying eye watering interest rates for the rest of your life.
This is where the normally excellent Pistonheads is terrible. Full of well off people who don't live in the real world and who deride anybody even marginally less successful than they are.
Completely agree with you.What amuses me is all this talk of "you can do it easily in as little as £35,000 per annum". Bit of a reality check needed for some people - not everyone earns that much, particularly at 25, it is simply not the norm. Get out if your little bubble of well off people and get into the real world, which is full of graduates spending months in the job market just to get a job paying not much more than minimum wage, often in a crappy call centre, working evenings and weekends and with no security whatsoever, often on zero hours or short hours contracts. Try bringing in £15k or even less and tell me you can wander up to a lender and get a mortgage for a £150,000 house, or indeed any house. Try saving for a deposit on that wage when you're single and renting somewhere. Just not happening.
Telling people their parents managed it is just silly. House prices have gone through the roof in the past 20 years, wages are at best frozen and in reality are going down. Companies are just able to treat staff appallingly and even if you get a job there's no security whatsoever, and often not even any guaranteed hours. The slightest mishap such as missing one payment on something by even one day completely screws your credit rating and after that if you do get a loan or mortgage you will be paying eye watering interest rates for the rest of your life.
This is where the normally excellent Pistonheads is terrible. Full of well off people who don't live in the real world and who deride anybody even marginally less successful than they are.
But becuase you are my the age you are, you will be ignored/mocked and told you are not willing to make the right sacrifices! £15k is enough to do anything!
I remember my friends parent's house cost them £35k, it's now worth £230k+.
They certainly didn't earn 6 times less back when they bought it.
Young girl at work has almost crippled herself financially so she could buy a used 1 series diesel (she does barely 3000 miles a year) dull, slow, boring. She thinks she has achieved something in her life. Now she is unable to save for a deposit for a house.
So, she prioritised an asset that will depreciate faster than last years calendar in place of getting on the property ladder just so she can look 'fleeky' at work.
shes getting tons of compliments from the rest of her brigade saying it looks 'sic' and she must be 'minted' - really? for a 10k diesel BMW that she has on finance? !
it is ALL about the badge with anyone <30 years old it would appear.
So, she prioritised an asset that will depreciate faster than last years calendar in place of getting on the property ladder just so she can look 'fleeky' at work.
shes getting tons of compliments from the rest of her brigade saying it looks 'sic' and she must be 'minted' - really? for a 10k diesel BMW that she has on finance? !
it is ALL about the badge with anyone <30 years old it would appear.
How has this thread devolved into a discussion about house prices and wages? You can buy an S-class or a hot hatch for a grand, which you choose comes down to preference much more than money. Personally at the grand old age of 27 hot hatches don't really do much for me, I like sports cars, luxobarges and 4x4s best, all of these can be purchased fairly cheaply should you choose. My sports car and my barge cost £2400 between them, hardly plutocratic motoring.
zarjaz1991 said:
As has been mentioned, suddenly this quite interesting thread has turned into the usual "if you don't own a house and a nice car by 25 you're a failure" stuff.
What amuses me is all this talk of "you can do it easily in as little as £35,000 per annum". Bit of a reality check needed for some people - not everyone earns that much, particularly at 25, it is simply not the norm. Get out if your little bubble of well off people and get into the real world, which is full of graduates spending months in the job market just to get a job paying not much more than minimum wage, often in a crappy call centre, working evenings and weekends and with no security whatsoever, often on zero hours or short hours contracts. Try bringing in £15k or even less and tell me you can wander up to a lender and get a mortgage for a £150,000 house, or indeed any house. Try saving for a deposit on that wage when you're single and renting somewhere. Just not happening.
Telling people their parents managed it is just silly. House prices have gone through the roof in the past 20 years, wages are at best frozen and in reality are going down. Companies are just able to treat staff appallingly and even if you get a job there's no security whatsoever, and often not even any guaranteed hours. The slightest mishap such as missing one payment on something by even one day completely screws your credit rating and after that if you do get a loan or mortgage you will be paying eye watering interest rates for the rest of your life.
This is where the normally excellent Pistonheads is terrible. Full of well off people who don't live in the real world and who deride anybody even marginally less successful than they are.
I'm not well off at all.What amuses me is all this talk of "you can do it easily in as little as £35,000 per annum". Bit of a reality check needed for some people - not everyone earns that much, particularly at 25, it is simply not the norm. Get out if your little bubble of well off people and get into the real world, which is full of graduates spending months in the job market just to get a job paying not much more than minimum wage, often in a crappy call centre, working evenings and weekends and with no security whatsoever, often on zero hours or short hours contracts. Try bringing in £15k or even less and tell me you can wander up to a lender and get a mortgage for a £150,000 house, or indeed any house. Try saving for a deposit on that wage when you're single and renting somewhere. Just not happening.
Telling people their parents managed it is just silly. House prices have gone through the roof in the past 20 years, wages are at best frozen and in reality are going down. Companies are just able to treat staff appallingly and even if you get a job there's no security whatsoever, and often not even any guaranteed hours. The slightest mishap such as missing one payment on something by even one day completely screws your credit rating and after that if you do get a loan or mortgage you will be paying eye watering interest rates for the rest of your life.
This is where the normally excellent Pistonheads is terrible. Full of well off people who don't live in the real world and who deride anybody even marginally less successful than they are.
However, I knew that if I wanted a house, I would have to make sacrifices. I did, and am now on the property ladder.
Thing is, it isn't easy. You do need to save and for some, it's harder than others. However, there are quite a few people who simply do not understand that to buy a house, you may need to have a few years of no Netflix, no flashy phone, a banger of a car etc.
The issue arises when people are spunking money left right and centre on things like the above. Then moan that they simply can't afford a deposit.
The worst thing to do is to assume that everyone on here is extremely well off and just fell into home ownership. I bet there are others like me who don't have masses of money. Yet we know where to cut down to make things work.
Same thing applies to the savings threads. I have the equivalent of five months salary in my ISA. This didn't appear overnight. It has been slowly building up since I last emptied it to buy my house three years ago. To some though, they would see this and say something like 'oooh, you rich b
d'. I'm not rich at all. I just like to keep something aside for the rainy days.Saving for a house is a big commitment because, let's face it, houses are ridiculously priced. It can be done. Some people just need to think about how they run their finances.
Also, if you think that by cutting certain things out of your life you are boring, then you clearly don't have the mentality to finance a house.
I was born in 1990. From an old-fashioned, traditional family. I'd have been flogged for buying anything 'flash' or 'showy'. I'd go as far as to say a strange type of snobbery almost.
17 - 2003 Renault Laguna Estate 2.2DCi (lasted two weeks - woeful car, but a good spec actually)
18 - 1998 Saab 9-5 2.3 Aero (best car I've ever owned)
21 - 1997 Ford Ka (it was pretty fun, but a total heap)
22 - 1995 Jeep Grand Cherokee 4.0L - again, a total heap but it has a 4 inch lift kit and I lived in a field, so...
23 - 2010 Abarth 500
26 - Still have the Abarth, but I also lease a Skoda Superb.
Am I envious of my friends that had/have leased BMWs/Audis? Not really, no. I understand why they do it, but I don't think the reasons are good ones. I regret not having something more fun before the Abarth. I regret not getting something decent between the ages of 17 and 23. I could've spent A LOT less money leasing, and I don't particularly think having those st cars is any sort of badge of honour.
17 - 2003 Renault Laguna Estate 2.2DCi (lasted two weeks - woeful car, but a good spec actually)
18 - 1998 Saab 9-5 2.3 Aero (best car I've ever owned)
21 - 1997 Ford Ka (it was pretty fun, but a total heap)
22 - 1995 Jeep Grand Cherokee 4.0L - again, a total heap but it has a 4 inch lift kit and I lived in a field, so...
23 - 2010 Abarth 500
26 - Still have the Abarth, but I also lease a Skoda Superb.
Am I envious of my friends that had/have leased BMWs/Audis? Not really, no. I understand why they do it, but I don't think the reasons are good ones. I regret not having something more fun before the Abarth. I regret not getting something decent between the ages of 17 and 23. I could've spent A LOT less money leasing, and I don't particularly think having those s
t cars is any sort of badge of honour. OK... deep breath here. It's a good job I've not got much on today...
"Wah wah wah. It's impossible for me to get on the housing ladder in Newbury."
"What about this place."
"Oh no. I couldn't possibly bring myself to live there in case my 'modded' car got scratched."
If you can't see what's so utterly pathetic about that, then I'm wasting my breath.
If you want to live in a house worth £220k, you need to earn more/work harder. If you want to get on the housing ladder (the point of this conversation/thread), you buy a £150k flat with a £140k mortgage.
It took me 10 seconds to do a search on the MoneySupermarket mortgage comparison tool, bringing back plenty of
options. In these options, there was a 30yr mortgage with Barclays that averaged ~£570/mth over the whole term.
Tell me where the problem is with that?
In actual fact, "most people" earn more than £25k. The national average income is £26k.
I sympathise with people on low incomes (that's what social housing and shared ownership schemes are for), but there's no need to start making up "facts" to support your view.
Let's revisit your first point for a quick reminder...
I don't think there's much more to say on the matter, so I'll leave it there. Good luck with your impending move.
xjay1337 said:
I'm not, I'm telling you as someone who lives in Newbury what areas are not very good.
You can either accept that I may know better than you in this particular topic, or ignore me because you know everything.
I'm not telling you I know better. I'm telling you you're behaving like a spoiled child.You can either accept that I may know better than you in this particular topic, or ignore me because you know everything.
"Wah wah wah. It's impossible for me to get on the housing ladder in Newbury."
"What about this place."
"Oh no. I couldn't possibly bring myself to live there in case my 'modded' car got scratched."
If you can't see what's so utterly pathetic about that, then I'm wasting my breath.
xjay1337 said:
as I have explained to you without any personalised credit information to me, to get a £220k mortgage you need around £40k deposit and then you're looking at £730 for 2 years and then £950 or whatever it was for the remainder.
(Look on Barclays)
You don't need a £220k mortgage. That's not what we're talking about. You need a £140k mortgage (5x your salary).(Look on Barclays)
If you want to live in a house worth £220k, you need to earn more/work harder. If you want to get on the housing ladder (the point of this conversation/thread), you buy a £150k flat with a £140k mortgage.
It took me 10 seconds to do a search on the MoneySupermarket mortgage comparison tool, bringing back plenty of
options. In these options, there was a 30yr mortgage with Barclays that averaged ~£570/mth over the whole term.
Tell me where the problem is with that?
xjay1337 said:
In my case personally with a £10k deposit I was not able to get a Mortgage for more than £125k or something like that.
We've established that this was either a timing factor or something to do with your credit score. Not relevant to the current situation, as you can get a £140k mortgage (or more) at the moment.xjay1337 said:
My point is most people in reality don't earn £25k or more, they earn more like £18-£20k.
In fact, they do.In actual fact, "most people" earn more than £25k. The national average income is £26k.
I sympathise with people on low incomes (that's what social housing and shared ownership schemes are for), but there's no need to start making up "facts" to support your view.
xjay1337 said:
I think it's fair to say that while you may be able to save £500 a month as a low earner, to do so at the expense of a complete lack of social life, UNDERSTANDABLY, that may not be a sacrifice people are willing to take . After all we are all social creatures
(also, please stop making digs at me. I'm not complaining about not being able to buy a house. I full well know I could if I wanted to. I'm simply giving a young person's opinion and explaining the situation that many other under 25's are in).
You keep coming back to this "woe is me, how do I live without a social life?" stuff.(also, please stop making digs at me. I'm not complaining about not being able to buy a house. I full well know I could if I wanted to. I'm simply giving a young person's opinion and explaining the situation that many other under 25's are in).
Let's revisit your first point for a quick reminder...
xjay1337 said:
A few years ago I was looking at buying a house, by myself.
I had £10,000 deposit.
At the time I earned £28k a year.
The most I could get a mortgage for was for approx £125,000.
...
It's not quite as simple and clear cut as you make out.
...
Lots of stuff, paraphrased to "I could probably have bought a house if I hadn't pissed all my money away on my lifestyle".
My point all along was that the bit in bold is absolute b*llocks. It is, in fact, as I've demonstrated repeatedly, entirely straightforward.I had £10,000 deposit.
At the time I earned £28k a year.
The most I could get a mortgage for was for approx £125,000.
...
It's not quite as simple and clear cut as you make out.
...
Lots of stuff, paraphrased to "I could probably have bought a house if I hadn't pissed all my money away on my lifestyle".
I don't think there's much more to say on the matter, so I'll leave it there. Good luck with your impending move.
Edited by C70R on Friday 21st October 10:31
motoroller said:
Nanook said:
Equally, I can't imagine being 24 and driving an S-Class, it's just not my thing.
It's big, it's comfortable, it's competent, and incredibly boring to drive IMO.
Me neither - there's also the effect of having something to work up to. If you buy the most luxurious cars in your 20s, what will you aspire to in your 50s?It's big, it's comfortable, it's competent, and incredibly boring to drive IMO.
I don't understand where you can use the performance of something 'fun to drive' on the road. I know that speed doesn't always equal fun, but as I said, my 330d was tuned etc... and faster than most things I'd encounter on a drive to work. It was also quicker than my mates 996. I have no doubt he would probably hammer me on a race track, but a standard drag race, no.
I've also had motorbikes, where the real adrenaline rush is IMO. Once again though, if you are to try and exploit the power of a sports bike on the road, your heading for trouble usually. Seen it happen with my own eyes sadly, very unpleasant. Having been in a serious car crash myself, I'd say that 'boy racering' should really end when your in your 20s. Flying round backlanes at 100 in a corsa Vxr is fun when your 18, if you keep doing it your just a cock really aren't you?
I actually sold my e90 because it was too small and uncomfortable. I'm 6 foot and not fat but broad in the back etc. My knees used to press against the dash and the seats barely fit me. I was recently in a modern hot hatch with Recaro seats. I actually did not fit into these, the side cushions which are supposed to hold you in place prevented my back from reaching the seat. I'm 15 stone and about 18% BF for reference. I honestly believe most mid range and sports cars are styled around a racing drivers frame, 10 stone and 5 foot 6?
Can someone please explain to me what is fun about driving a hot hatch? I can understand A45 AMG and M135s but not civics and fiestas really. I've previously owned a 172 for a short time, which was fun, more raw than a modern hot hatch though. I couldn't drive it every day though, just a fast clio at the end of the day, couldn't keep up with stuff on the motorway.
C70R said:
OK... deep breath here. It's a good job I've not got much on today...
"Wah wah wah. It's impossible for me to get on the housing ladder in Newbury."
"What about this place."
"Oh no. I couldn't possibly bring myself to live there in case my 'modded' car got scratched."
If you can't see what's so utterly pathetic about that, then I'm wasting my breath.
xjay1337 said:
I'm not, I'm telling you as someone who lives in Newbury what areas are not very good.
You can either accept that I may know better than you in this particular topic, or ignore me because you know everything.
I'm not telling you I know better. I'm telling you you're behaving like a spoiled child.You can either accept that I may know better than you in this particular topic, or ignore me because you know everything.
"Wah wah wah. It's impossible for me to get on the housing ladder in Newbury."
"What about this place."
"Oh no. I couldn't possibly bring myself to live there in case my 'modded' car got scratched."
If you can't see what's so utterly pathetic about that, then I'm wasting my breath.
I live here. I know what the areas are like. You would not like to live in an area like that.
I'd rather lodge or rent in a nicer area.
Stop making this about me personally and making pathetic digs at my car, you're boring.
C70R said:
xjay1337 said:
as I have explained to you without any personalised credit information to me, to get a £220k mortgage you need around £40k deposit and then you're looking at £730 for 2 years and then £950 or whatever it was for the remainder.
(Look on Barclays)
You don't need a £220k mortgage. That's not what we're talking about. You need a £140k mortgage (5x your salary).(Look on Barclays)
If you want to live in a house worth £220k, you need to earn more/work harder. If you want to get on the housing ladder (the point of this conversation/thread), you buy a £150k flat with a £140k mortgage.
It took me 10 seconds to do a search on the MoneySupermarket mortgage comparison tool, bringing back plenty of
options. In these options, there was a 30yr mortgage with Barclays that averaged ~£570/mth over the whole term.
Tell me where the problem is with that?
http://www.rightmove.co.uk/property-for-sale/find....
Shared ownership is not buying your own house!
c70r said:
xjay1337 said:
In my case personally with a £10k deposit I was not able to get a Mortgage for more than £125k or something like that.
We've established that this was either a timing factor or something to do with your credit score. Not relevant to the current situation, as you can get a £140k mortgage (or more) at the moment.c70r said:
xjay1337 said:
My point is most people in reality don't earn £25k or more, they earn more like £18-£20k.
In fact, they do.In actual fact, "most people" earn more than £25k. The national average income is £26k.
I sympathise with people on low incomes (that's what social housing and shared ownership schemes are for), but there's no need to start making up "facts" to support your view.
You are talking average salary of everyone.
We are talking about buying your first home so let's say you are <25 years old.
http://www.salarygraph.co.uk/
I am lucky enough to earn enough that it's not even outlined on the graph for my own age group
Average looks to be like £17-£18k. These are facts.
You are completely deluded if you think average salary of <25 year old is in line with national average.
c70r said:
xjay1337 said:
I think it's fair to say that while you may be able to save £500 a month as a low earner, to do so at the expense of a complete lack of social life, UNDERSTANDABLY, that may not be a sacrifice people are willing to take . After all we are all social creatures
(also, please stop making digs at me. I'm not complaining about not being able to buy a house. I full well know I could if I wanted to. I'm simply giving a young person's opinion and explaining the situation that many other under 25's are in).
You keep coming back to this "woe is me, how do I live without a social life?" stuff.(also, please stop making digs at me. I'm not complaining about not being able to buy a house. I full well know I could if I wanted to. I'm simply giving a young person's opinion and explaining the situation that many other under 25's are in).
Let's revisit your first point for a quick reminder...
xjay1337 said:
A few years ago I was looking at buying a house, by myself.
I had £10,000 deposit.
At the time I earned £28k a year.
The most I could get a mortgage for was for approx £125,000.
...
It's not quite as simple and clear cut as you make out.
...
Lots of stuff, paraphrased to "I could probably have bought a house if I hadn't pissed all my money away on my lifestyle".
My point all along was that the bit in bold is absolute b*llocks. It is, in fact, as I've demonstrated repeated, entirely straightforward.I had £10,000 deposit.
At the time I earned £28k a year.
The most I could get a mortgage for was for approx £125,000.
...
It's not quite as simple and clear cut as you make out.
...
Lots of stuff, paraphrased to "I could probably have bought a house if I hadn't pissed all my money away on my lifestyle".
I am admitting in my case earning in the 40% bracket if I had chosen to spend my money on a house I could. I have CHOSEN to spend it on my car. My money that I earn. Not for you to comment on. You don't like my car, I get it. Shut up.
If you earn £18k you don't have that luxury of choice and if you earn £18k and already rent you are not going to really be in a position to buy your own house.
Edited by xjay1337 on Friday 21st October 11:14
Edited by xjay1337 on Friday 21st October 11:39
Gassing Station | General Gassing | Top of Page | What's New | My Stuff