Where does all the money go?
Discussion
I don't know what this post is other than perhaps a little bit of a self-important whinge, but it's the sort of subject I felt can't be discussed with mates or is hard to bring up without sounding like, well, having a self-important whinge.
But where does all the money go? And how on earth are people living the lives they seem to be?
Us? Mid-30s couple, no kids yet, both doing comfortably well for ourselves to the point that I know I can't discuss this with our circle of friends as the likelihood is it would come across as more than a little boastful, but I'm on mid-£50s and she gets just over £70k. After pension contributions, her student loan, tax etc we're left with around £6.5k combined per month. Even writing that makes me come back to my first question, but where the F does all that go every month?!
We live in a reasonable 4-bed place in the London-commuter side of Hampshire, smidge over £400k on mortgage with repayments currently just over 2% at about £1800/month. Knowing what rates are doing we've been over-paying this to the tune of £500/month in an attempt at damage limitation and to accustom ourselves to this new sum when it comes in summer '25. Council tax (£250), gas/electric (£200), water (£40), TV licence (£13) bring us down to £3700 or so.
Then we have to think about the car payment (£380) - Thankfully one is paid off and we told ourselves we'd do one car at a time, because two at that price would be crazy but it still feels like a huge sum for an average car and wouldn't buy us the same again today, so no doubt that will go up/we'll downgrade when the time comes and we're putting £150/month away for a larger deposit next time around in an attempt to get off the PCP treadmill.
Then you've got insurance; Two cars at £500 each per year, £150 for the house, £100 or so for the cat, £200 or so for a travel policy. We put away £150/month to cover these when they come up and to ensure there's a soft landing if any of them jump. Then we put away £300/month for a combination of rainy-day fund, car servicing, "oh s
t it broke fund", and holidays etc if we take them.
We're down to £2700 already and we haven't even been to the supermarket yet (~£500/month), put diesel in (~£300/month), paid for the internet (£43), or either of our phone plans, (£32 and £17.50, both sim-only despite being at figures that used to get you a new handset a few years ago). Two gym memberships (£86 at the council leisure centre with a pool), Apple family plan (£32), and then Netflix or Amazon Prime or Disney depending on which one has the show we want at any time (we never run multiples) is another £15 or so.
Nothing here feels out of the ordinary but we've already spent the average salary twice over and we've not eaten out yet, gone to the pub, taken a pet to the vet, had a haircut, bought a birthday present, serviced a car, had the windows cleaned... Or got married, or had a child, both of which just feel unfathomably expensive.
So how the hell is everyone else doing it? How are our neighbours ferrying their multiple kids around in fancier cars than ours? Paying for their gardens to be landscaped? Going on their trips to the Spanish islands every summer with the whole brood when our trip to Gran Canaria later this year has required dedicated planning and saving for just two of us?
Am I just completely detached from the reality of this country and living a lifestyle others could really only dream of? Is it skewed by living in such an expensive area (necessitated by commutes)?
A 4-bed semi and a 3 year old Hyundai don't feel very top-10%-of-earners but that's where we find ourselves. And I don't even feel like this is bitterness in the sense that I want the nicer car or anything, I just want to be able to live my life without worrying about the next big bill. I want to ask her to marry me and not worry about paying for the wedding. I want to have kids and not have to think twice about feeding and clothing them. And it just feels out of reach.
But where does all the money go? And how on earth are people living the lives they seem to be?
Us? Mid-30s couple, no kids yet, both doing comfortably well for ourselves to the point that I know I can't discuss this with our circle of friends as the likelihood is it would come across as more than a little boastful, but I'm on mid-£50s and she gets just over £70k. After pension contributions, her student loan, tax etc we're left with around £6.5k combined per month. Even writing that makes me come back to my first question, but where the F does all that go every month?!
We live in a reasonable 4-bed place in the London-commuter side of Hampshire, smidge over £400k on mortgage with repayments currently just over 2% at about £1800/month. Knowing what rates are doing we've been over-paying this to the tune of £500/month in an attempt at damage limitation and to accustom ourselves to this new sum when it comes in summer '25. Council tax (£250), gas/electric (£200), water (£40), TV licence (£13) bring us down to £3700 or so.
Then we have to think about the car payment (£380) - Thankfully one is paid off and we told ourselves we'd do one car at a time, because two at that price would be crazy but it still feels like a huge sum for an average car and wouldn't buy us the same again today, so no doubt that will go up/we'll downgrade when the time comes and we're putting £150/month away for a larger deposit next time around in an attempt to get off the PCP treadmill.
Then you've got insurance; Two cars at £500 each per year, £150 for the house, £100 or so for the cat, £200 or so for a travel policy. We put away £150/month to cover these when they come up and to ensure there's a soft landing if any of them jump. Then we put away £300/month for a combination of rainy-day fund, car servicing, "oh s
t it broke fund", and holidays etc if we take them.We're down to £2700 already and we haven't even been to the supermarket yet (~£500/month), put diesel in (~£300/month), paid for the internet (£43), or either of our phone plans, (£32 and £17.50, both sim-only despite being at figures that used to get you a new handset a few years ago). Two gym memberships (£86 at the council leisure centre with a pool), Apple family plan (£32), and then Netflix or Amazon Prime or Disney depending on which one has the show we want at any time (we never run multiples) is another £15 or so.
Nothing here feels out of the ordinary but we've already spent the average salary twice over and we've not eaten out yet, gone to the pub, taken a pet to the vet, had a haircut, bought a birthday present, serviced a car, had the windows cleaned... Or got married, or had a child, both of which just feel unfathomably expensive.
So how the hell is everyone else doing it? How are our neighbours ferrying their multiple kids around in fancier cars than ours? Paying for their gardens to be landscaped? Going on their trips to the Spanish islands every summer with the whole brood when our trip to Gran Canaria later this year has required dedicated planning and saving for just two of us?
Am I just completely detached from the reality of this country and living a lifestyle others could really only dream of? Is it skewed by living in such an expensive area (necessitated by commutes)?
A 4-bed semi and a 3 year old Hyundai don't feel very top-10%-of-earners but that's where we find ourselves. And I don't even feel like this is bitterness in the sense that I want the nicer car or anything, I just want to be able to live my life without worrying about the next big bill. I want to ask her to marry me and not worry about paying for the wedding. I want to have kids and not have to think twice about feeding and clothing them. And it just feels out of reach.
alscar said:
What are you doing with the "spare" £1600 or so a month - saving ?
That's the question, really. Living?Going back over the bank statement for February we spent just over £330 on "eating out". Local Italian on a Friday night is an easy £85 with a bottle of wine, a mid-week pizza is £30, coffee from Costa while out shopping another £10, one round at the pub for 5 of you is an easy £30+ and then chips on the way home is another £6 or so... Went to the pub three times with mates last month, twice we bought £30ish rounds, once it was just a drink each so about £15, plus two take-aways and some other Costa trips during the week.
Hair cuts, mine is £30 every few weeks, maybe twice a month. Hers is £70 or so but less often so let's call that £100/month on average combined?
Birthday presents (my mum, her sister) £75
£10 prescription, £22.50 contact lenses, £35 at Boots on her card, I assume some sort of cosmetics...
Dishwasher pods on amazon for a big bag was £39 last month, she got some home bits in TkMaxx which was £20... again it's all so trivial, but it does add up quickly and nothing screams "excessive" or "flashy".
I think that's my point. We don't feel like we're living a luxury lifestyle despite incomes which get talked about online as thought we're the aristocracy... (I exaggerate, but you seem my point?)
Prohibiting said:
You’re fine. You have £1.5k spare each month. Stop whining.
Most people have zilch left on a mortgage <£1k /month on a small 2-bed with no savings. If you adjusted your living situation you could live an even more luxury life.
This is why this topic is so hard to discuss. It always comes across like "woe is me", which really isn't the tone I intended. I'm well aware many people have a lot less, which is why I struggle to reconcile what I know to be a solid income with a lifestyle that doesn't feel particularly luxurious.Most people have zilch left on a mortgage <£1k /month on a small 2-bed with no savings. If you adjusted your living situation you could live an even more luxury life.
markiii said:
I didn't read it as moaning persee, but he's right discussing finances with friends is not an easy conversation
Right? I think I just want someone on a similar income to say "yeah we're the same" or "yeah it's tough but actually things aren't so bad because X Y Z"Thanks for your reply, LowTread. Those bits in bold... do you ever feel frustrated that you can't do those things? You're on a good income, they're not extravagant, they're just normal living... but you don't get to treat yourself?
LowTread said:
In all seriousness we're in a similar position. Both earning about £50k-£60k.
Yet we both never feel particularly wealthy.
Partly this is my chronic illness of "next shiny thing with wheels", so the amount of money i have free to spend on cars/bikes is roughly X + Y. Where X is the amount of free cash i have (not much), and Y is the amount i can beg/borrow/rob/ to feed my habit.
We've both got SIM only phones same as you on about £15/20 per month each.
No Sky TV.
£35 broadband (500gb fibre because it wasn't much more expensive)
We put £400/m in a pot for holidays (which is roughly enough for one fortnight away in spain/greece during summer with the kids, but nothing flash).
£100/m each on house stuff like a new washing machine, or some decorating
I put £200/m aside for car/bike maintenance, insurance, etc.
I rarely buy clothes and if i do it'll be from sainsburys or similar.
Very rarely eat out. Like once/twice a year
One takeaway a week but we don't go crazy, no.rmally £40 or so.
Never go to pubs, but do drink at home.
Nothing particularly flash.
What i don't get is when we're on holiday and we've coughed up thousands for a fairly average holiday, there are people there with us that clearly don't earn the same kind of money. It baffles me how they afford it.
Car wise we've always taken out bank loans over finance, and always cleared them ASAP. We've got a decent chunk of equity in the cars now. Not sure how people can stomach £350-£500/m each on a nice car.
EDIT: Kids are expensive, despite us being clear of childcare now. Drum lessons, guitar lessons, swimming lessons, clothes, shoes, etc, etc.
Just a shame the child benefit rules are such that if we do claim then we're right in the thick of the child benefit clawback, so we're actually taxed at 62% on anything over £50k, which really boils my piss.
Yet we both never feel particularly wealthy.
Partly this is my chronic illness of "next shiny thing with wheels", so the amount of money i have free to spend on cars/bikes is roughly X + Y. Where X is the amount of free cash i have (not much), and Y is the amount i can beg/borrow/rob/ to feed my habit.
We've both got SIM only phones same as you on about £15/20 per month each.
No Sky TV.
£35 broadband (500gb fibre because it wasn't much more expensive)
We put £400/m in a pot for holidays (which is roughly enough for one fortnight away in spain/greece during summer with the kids, but nothing flash).
£100/m each on house stuff like a new washing machine, or some decorating
I put £200/m aside for car/bike maintenance, insurance, etc.
I rarely buy clothes and if i do it'll be from sainsburys or similar.
Very rarely eat out. Like once/twice a year
One takeaway a week but we don't go crazy, no.rmally £40 or so.
Never go to pubs, but do drink at home.
Nothing particularly flash.
What i don't get is when we're on holiday and we've coughed up thousands for a fairly average holiday, there are people there with us that clearly don't earn the same kind of money. It baffles me how they afford it.
Car wise we've always taken out bank loans over finance, and always cleared them ASAP. We've got a decent chunk of equity in the cars now. Not sure how people can stomach £350-£500/m each on a nice car.
EDIT: Kids are expensive, despite us being clear of childcare now. Drum lessons, guitar lessons, swimming lessons, clothes, shoes, etc, etc.
Just a shame the child benefit rules are such that if we do claim then we're right in the thick of the child benefit clawback, so we're actually taxed at 62% on anything over £50k, which really boils my piss.
Edited by LowTread on Friday 1st March 15:29
Edited by LowTread on Friday 1st March 15:33
So, uh, this thread got a lot more traction than I expected and to those of you who have replied to say you feel similarly, thank you - I think the "not feeling like it's just me" thing was what I needed.
As mentioned by others, the £5 here or there we could save on phone plans isn't the point. Both of us are with operators who offer free international calling and pay a reasonable premium for that as we both have family abroad and visit most years. The small monthly saving would quickly be wiped out by roaming fees.
We're both financially literate and shop around for good deals when we need to, but we're also very cautious people and possibly "over" pay on things like insurances to make sure we have the cover we might need. Could we get a travel policy a little cheaper? Sure. But would saving £75 a year make any difference to the overall feeling that we don't seem to be having the lifestyle you'd expect for the income we have? And wouldn't we both rather sleep easier knowing that our holiday/health/belongings are properly insured should the worst happen?
A few people also made reference to social media skewing perceptions and making people feel inadequate, so for total clarity, I don't feel like I'm going without. I don't feel hard done by. I don't think I'm struggling. I just wonder how much richer these people must be to have those lifestyles, or what sacrifices they've made to get there instead.
I'd also say that while we are currently over-paying our mortgage in a short while that sum won't be an overpayment, it'll just be the payment!
I've also decided to track all transactions we make for March just to get an idea of if there's more lifestyle creep than anticipated. If this thread is still rumbling on in a few weeks I might post it here just because it feels like a handful of people are appreciating the sort of open/non-judgemental discussion that's been happening. It really is something we can't talk about with peers, but feels like it needs to be discussed
Fusion777 said:
£6500 net household income with £250/month council tax and 2 adults gives this result according to the IFS calculator:
With a household after tax income of £1438 per week, you have a higher income than around 94% of the population - equivalent to about 62.4 million individuals.
Maybe not luxury, but it's pretty good- better than good.
Fusion777 hits the nail on the head for me - I'm acutely aware of how fortunate we are and this thread isn't really a woe-is-me so much as a question of, if we're in the top 10% by most metrics, why does it not feel like our lifestyle reflects that? With a household after tax income of £1438 per week, you have a higher income than around 94% of the population - equivalent to about 62.4 million individuals.
Maybe not luxury, but it's pretty good- better than good.
Killboy said:
Perhaps we should agree what a reasonable salary should allow you. Is a gym membership something that should only be reserved for the top 5% of earners?
Again, this is what I was posting about. Thank you for "getting" it!Super Sonic said:
alphanumeric said:
2gb wouldn't touch the sides, sadly.
£13/mth, 30 GB Tesco mobile We're both financially literate and shop around for good deals when we need to, but we're also very cautious people and possibly "over" pay on things like insurances to make sure we have the cover we might need. Could we get a travel policy a little cheaper? Sure. But would saving £75 a year make any difference to the overall feeling that we don't seem to be having the lifestyle you'd expect for the income we have? And wouldn't we both rather sleep easier knowing that our holiday/health/belongings are properly insured should the worst happen?
A few people also made reference to social media skewing perceptions and making people feel inadequate, so for total clarity, I don't feel like I'm going without. I don't feel hard done by. I don't think I'm struggling. I just wonder how much richer these people must be to have those lifestyles, or what sacrifices they've made to get there instead.
I'd also say that while we are currently over-paying our mortgage in a short while that sum won't be an overpayment, it'll just be the payment!
I've also decided to track all transactions we make for March just to get an idea of if there's more lifestyle creep than anticipated. If this thread is still rumbling on in a few weeks I might post it here just because it feels like a handful of people are appreciating the sort of open/non-judgemental discussion that's been happening. It really is something we can't talk about with peers, but feels like it needs to be discussed
I think you've mistaken the tone of my post, as this wasn't really a case of saying I can't afford things/have no money, so much as pointing out that I'm aware we've got above-average incomes but don't feel like we have above-average lives. I don't think my replies below to you are particularly interesting to most people, but I wanted to explain anyway seeing as you took the time to reply... And again, to be clear, I don't think I'm poor or short of cash. I just don't see how so many others seem to have far far more extravagant lifestyles than we do.
Rusty Old-Banger said:
OP without turning this in to a reverse willy-waving, you're definitely doing it wrong.
Eating out, haircuts, mobile phones etc are insane. INSANE. If you apply that level of carefree spending to everything in your life then no wonder you feel (feel) like you're getting nothing for your money. Most people are at least a little bit frugal.
Hair cut once a month for £16. Stretch it to 2 months if you want, people won't judge you for it. You're not 18 and trying to pull any more.I take pride in my appearance and keep my hair fairly short, so it needs regular cutting to not look unkempt. I used to go fortnightly and now go every 3 weeks which is as far as I can push it before I don't feel tidy.
Mobile phone sim-only - less than £10 for 30GB. If you need more than that then you're doing something wrong. As already discussed mine is £18 and hers is £32. These are both plans which include international calls and free roaming as we have family abroad and the cost of additional fees would far outweigh these if we tried to save £5/month on cheaper deals. Trust me when I say we shopped around and considered our options for these.
Eating out? Do it once, on payday. The rest of the time, buy nice ingredients and cook something decent for your hard-working lady. Bin off mid-week pizzas, that's just mental. Cook something, like 99% of the population. I do the cooking, not she, and do so 5 or 6 nights of the week. I strongly object to the idea of a weekly take-away being "mental". If that's the level of lifestyle people consider to be excessive on a combined £120k a year then how on earth are Dominos even in business?!
How much do you spend on lunch, coffee each day? I bet this could be more than halved with a small amount of effort, which would add up over the course of a month, year. I have a Huel subscription which is about £85/month and covers all my weekday breakfasts and lunches. It's about £2.20 per meal and I can leave the bag of powder in my desk so I never "forget" to take lunch with me.
Do you NEED 2 x expensive cars, one of which you don't even own? When you have kids, that will just be something else to worry about - the damage a car seat does, wotsits and puke in the stitching, etc. Who said I've got two expensive cars? We've got a 21 plate Hyundai Santa Fe on a 0% PCP and a 15 plate VW Golf, the latter of which has 6-figure mileage. And as already stated further up, we're putting £150/month away to give us a bigger deposit when that PCP ends so we can get off the PCP treadmill and buy something (likely used) with a small bank loan which means we'll own it outright soon enough
Pump as much in to your pension as you can, now. It will pay off in the future. But then, you are both intelligent enough to be earning way above the national average, so you already know this. Yes, we both pay into pensions via salary sacrifice and go well above the minimums. I currently put around 18% of my pay into pension and increase it each year when I get a pay rise so I don't "feel" it.
OR
Carry on as you are, live comfortably, you're not on the breadline, but don't moan about it - that really does sound a bit entitled! Fair if you think I'm entitled, but for absolute clarity I not "moaning" so much as "wondering".
Eating out, haircuts, mobile phones etc are insane. INSANE. If you apply that level of carefree spending to everything in your life then no wonder you feel (feel) like you're getting nothing for your money. Most people are at least a little bit frugal.
Hair cut once a month for £16. Stretch it to 2 months if you want, people won't judge you for it. You're not 18 and trying to pull any more.I take pride in my appearance and keep my hair fairly short, so it needs regular cutting to not look unkempt. I used to go fortnightly and now go every 3 weeks which is as far as I can push it before I don't feel tidy.
Mobile phone sim-only - less than £10 for 30GB. If you need more than that then you're doing something wrong. As already discussed mine is £18 and hers is £32. These are both plans which include international calls and free roaming as we have family abroad and the cost of additional fees would far outweigh these if we tried to save £5/month on cheaper deals. Trust me when I say we shopped around and considered our options for these.
Eating out? Do it once, on payday. The rest of the time, buy nice ingredients and cook something decent for your hard-working lady. Bin off mid-week pizzas, that's just mental. Cook something, like 99% of the population. I do the cooking, not she, and do so 5 or 6 nights of the week. I strongly object to the idea of a weekly take-away being "mental". If that's the level of lifestyle people consider to be excessive on a combined £120k a year then how on earth are Dominos even in business?!
How much do you spend on lunch, coffee each day? I bet this could be more than halved with a small amount of effort, which would add up over the course of a month, year. I have a Huel subscription which is about £85/month and covers all my weekday breakfasts and lunches. It's about £2.20 per meal and I can leave the bag of powder in my desk so I never "forget" to take lunch with me.
Do you NEED 2 x expensive cars, one of which you don't even own? When you have kids, that will just be something else to worry about - the damage a car seat does, wotsits and puke in the stitching, etc. Who said I've got two expensive cars? We've got a 21 plate Hyundai Santa Fe on a 0% PCP and a 15 plate VW Golf, the latter of which has 6-figure mileage. And as already stated further up, we're putting £150/month away to give us a bigger deposit when that PCP ends so we can get off the PCP treadmill and buy something (likely used) with a small bank loan which means we'll own it outright soon enough
Pump as much in to your pension as you can, now. It will pay off in the future. But then, you are both intelligent enough to be earning way above the national average, so you already know this. Yes, we both pay into pensions via salary sacrifice and go well above the minimums. I currently put around 18% of my pay into pension and increase it each year when I get a pay rise so I don't "feel" it.
OR
Carry on as you are, live comfortably, you're not on the breadline, but don't moan about it - that really does sound a bit entitled! Fair if you think I'm entitled, but for absolute clarity I not "moaning" so much as "wondering".
spikyone said:
okgo said:
spikyone said:
I have a relatively good standard of life. I don't have to think too much before spending money, spend a reasonable amount on socialising most weekends, have a couple of fun cars, take multiple holidays every year. I'm not saying that to brag, more to give context to what I'm about to say. OP has a very good standard of life, with plenty of luxuries, and contrary to what he believes, quite a bit of notably excessive spending (~£1k/month on food between 2 people if you include supermarket, eating out, takeaway pizzas, and Costa). To claim otherwise is completely out of touch.
The fact that you can think about where you would and wouldn't want to live, and then spend half a million on a house somewhere nicer, is very much a luxury.
This is why you need that regional bias. He is living a totally normal life if you remove the cost of the house from it (the actual house will be the same as one that would cost half in a less desirable part of the UK - then he might be living the vague high life on those earnings), most things he has said are what many people do, all the time. It was said by someone else on the thread, retail parks, cheap eating out places, etc are all full. Full of people like OP, just regular folk. The cost of living thread here says the same every day, people all out and about doing those things. They're not the reserve of rich people, they just aren't.The fact that you can think about where you would and wouldn't want to live, and then spend half a million on a house somewhere nicer, is very much a luxury.
If I went down to my local Michelin star place today for lunch to see who was there, I will agree that the people in there on their own dime are living a life most people 'nationally' will not recognise as normal. Those places you've listed? Pretty normal I think.
We also have to remember that his lifestyle will drastically change when he has children, it will actually be quite difficult I should think.
As for being quite difficult when he has kids, with respect, that's nonsense. He has a load of spare money, and is spending a lot more than he needs to on a number of things that he's mentioned. Spending £330 a month on eating out, plus takeaways, plus a couple of Costas a week, whilst still saving a significant chunk? That is a very comfortable lifestyle.
alphanumeric said:
I think you've mistaken the tone of my post, as this wasn't really a case of saying I can't afford things/have no money, so much as pointing out that I'm aware we've got above-average incomes but don't feel like we have above-average lives.
You're very much having above average lives.Having a takeaway at £30 every week isn't "mental" but it shows that you're pretty comfortable. Most people aren't doing that every week, on top of the other eating out you mention and spending £500 at the supermarket. I struggle to see how it's possible to spend that much on shopping between two people but if you're spending £85 on a Huel subscription as well then I genuinely have no clue how you're spending so much there.
As mentioned it's all about how you cut your cloth. In your case, your very comfortable lifestyle sees you spending lots of money, in lots of places: cars, phones, eating out, haircuts, house, etc. Your spending is above average everywhere, and each of those things are places where you could very easily cut back to something cheaper, that would still be adequate. I still don't buy that you need those overpriced phone contracts. WhatsApp is free and unless your contacts are in the back of beyond they'll have an internet connection.
okgo said:
Michael_B said:
Mortgage as 3.2x couple’s gross income in one’s mid-30s is over geared on property? I thought that (or more) was pretty much standard in the UK for the past few decades.
Does seem to waste a lot of money on ste, though
Will be shortly. Especially as they’ll likely want kids. Does seem to waste a lot of money on s
te, though Do you think those spending habits are those of people capable of saving up £50-100k as a deposit? Hmmm
Could be wrong, may have done well on property before, I’m his age and my wife and I did alright on properties but it did involve us buying young.
Supersport - I think actually there are a few cliffs that are best avoided, especially with kids. Can’t remember them exactly as luckily they don’t apply to us, but would guess earning £99k with a kid or two is better than earning £105k.
We bought our first home 8 years ago with a 5% deposit which was about £13k. We'd both been saving for a while and between us in 2015 I got a good bonus at work which pushed us to start looking at 2-bed flats in our budget. My parents were pushing us to get a house ("you can't bring up kids with no outdoor space") and gave us £3,500 towards the move as that was what we felt our shortfall was. Realistically we'd have saved that ourselves in a few more months but I think they just really wanted us to get a house rather than a flat and felt like they wanted to help.
Spent 4 years fixing it, during which time we both moved forward fairly rapidly in careers. My income went from low 30s to high 40s during that time, I don't recall the specifics for hers but when we bought that place we were earning broadly the same and she overtook me rapidly. We sold in the covid madness for £370k with about £140k equity which is how we got our current place.
The Opinion
I'm sure you're a top bloke offline, but on here you come across as incredibly condescending. Even when your advice is solid you find a way to give it in a manner which makes the recipient feel stupid. Please consider your words a little more.
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