Hard to tell whether this is praise or criticism.Originally Posted by Baz
Hard to tell whether this is praise or criticism.
Me, Baz and Waff performatively enjoying our bonus bankholiday.
Were they told to bring their creepy uncle on a day out?
Leave Baz alone.
Nah Spikey just invites himself.
Oh this is the first time you've been introduced to the Famleigh? Oh you lucky man.
Whatever they are, I really hope it's the last too.
Just looked at their instagram, and am now having vivid daydreams about poisoning their water supply and lolling at the corpse-strewn house the next day.
Not yet, Jimmy. There's still posting gold to come from your current job.
Save the prison diaries for later life.
The famleigh need to be mown down for the sake of everyone.
I'm disappointed none of you remember that GEM from when it broke the Covid thread back in January.
Oh don't worry, I remember it.
Execution is a bit strong but sterilisation is recommended.
So do I. I'm puzzled as to how it has so few views though.
Probably comes from Tiktok and they have since posted it cross-platform in order to increase their business prospects.
I’m going to make the assumption that if any harm come to them then Baz and Mike will hunt you down.
The comment by Judith Woods has triggered me big time. We're only generation rent because everything is unaffordable you twat.
Sort of. If Generation Instagram weren't spending Ł12 grand a year on holidays and city breaks they'd be able to save up for the deposit easy enough.
It's not as easy as it was for Generations past (not by a long shot), but it is doable if you just save your money rather than spunking it up the wall.
If you'd rather have the holidays than 10 years of saving, then that's cool but that's a conscious choice that's being made, getting on the property ladder is not "unaffordable".
Last edited by Spikey M; 28-10-2021 at 07:50 AM.
Yeah and 30 years ago that wasn't a conscious choice that had to be made, because property was affordable.
Granted, but property still is affordable. Just not easily. Also, 30 years ago we didn't have a consumerist society like we do now. They may have had more affordable housing, but they also didn't spend all their money on iPhones, holidays and oh god I've become one of them.
And not everybody is positioned to end up in a job early doors where they can afford to save. I know plenty of people who don't have a house or much by way of savings but also weren't fucking off on holiday all the time. They just had jobs that didn't much allow for either.
Tell us what's wrong with the youth of today, grampa, I'll get you an Ovaltine.
At what age do you become out of touch?
My anecdotal experience for those buying in London (which isn't the whole of the UK) was you either had to have a parent die, have very wealthy parents, move into help-to-buy or a shared ownership property. The latter two usually ending up out in east London somewhere.
More of my manc friends have been able to buy but one mate for example was able to buy a two bed terrace in Denton (not a great area) for Ł60k. Which is a deposit in London.
I'm looking for my communist flag lads, give me a minute, I last had it in 2012.
This is a really good point. I was spending the same as I'd spend on mortgage repayments if I was able to save/live with parents. It wasn't all going on avocado lattes and instagram weekend trips.
And if you try renting in London (anything other than a dingy room in a hellish 5-bed house share) you're spending Ł800/month+ before the first avocado has been crushed in anger.
I thought your national service comment when I was moaning about noisy kids the other day was sarcastic but now I'm not so sure.
Anyone living in London is an idiot and that's a hill I will die on.
Absolute shithole.
My mate just bought a house having lived with his parents until he was 28 and genuinely seemed baffled as to why I hadn't just bought one.
He'd worked in some of the same shit jobs as me and knew I rented but hadn't put that together. It's fine, it just shows that we all don't really think other people's situations through.
Which is fine if you're just some mong like I am but when you're advocating for how things should be run it can sometimes help to look past the end of your own nose but that seems a rare trait.
I loved living in Arsenal. Do one.
I lived in Queens Park Rangers and that was great too. There's a reason the north is affordable.
What defines early doors for you? I was unemployed for 5 years coming out of college. Now I'm looking at my pension thinking, "Aye, I could shave a few years off my sentence." Although I never really had debts to deal with as I stayed with the parents until I found work. And the wasted time always had me thinking about making up for it. Plus I had parents who grafted and saved. I always thought they were skint.
I think that's the main issue. You learn nothing of fiscal responsibility at school. Coming up, I saw plenty of young'ns drop their pension contributions because that's tomorrow's problem or it's for old people. I'd rather plan for a future I might not live to see, just in case I do.
I was mostly Kiko baiting in my first post, although there is some truth to it. Alot of the people moaning they're stuck at home with their parents in their 30's COULD have been saving to buy a flat.
It's shit that it takes 10 years of solid saving to buy a shoebox above a chipshop, but that's where we are and it isn't going to change so you have to play the game.
Of course smug boomers like Judith can fuck off, considering she presumably bought the 5 bed house she lives in (with 4 unused bedrooms, no doubt) for about 20 grand, and she should keep it shut.
Well I didn't get a job that actually allowed me to save much until I was 30-odd what with rent and everything and obviously with the shit jobs comes debt in the event anything expensive comes up (not holidays, I didn't fork out for one myself until I was in my 30s) you need to find the money somewhere so you go credit cards, etc. I have an alright job now but live in my overdraft to pay off debt and then can hopefully at some point start saving for a house.
I read a thing once that said a study shows that when the human brain thinks of itself in the future it behaves the exact same way as it does when thinking of another person, not the way it does when you think of yourself in the present. If that thing I read is correct (or I haven't misunderstood it because I'm an idiot) a lot of folk are pretty much wired to go "lol fuck that guy" half the time. Luckily my last few jobs they basically tell you some of your salary's going toward a pension.
It's also great when the person telling the Youth that they need to buckle down, work hard and save is some peer on Twitter whose dad is the Duke of Horseington.
"I failed my exams and worked really hard and look at where I am with just a trifling mil or two from mater and pater along the way!"
This is the bracket of people I really feel for. If you have to rent then saving for a deposit is going to be really fucking tough. Not least because the rent is more than the equivalent mortgage would be. Is moving in with the parents for a bit not an option? Or is - as I presume to be the case - a cycle of rent and debt preferable to doing so?
Empathy is a rare and underrated quality.
I've been staying at my parents for the last month (see the Big C thread) and honestly I'd rather be poor (relatively, I know I'm not ACTUALLY poor) than do it long-term. It's driven me up the wall. I can't even imagine the state I'd be in if I subjected myself to it for a year or whatever.
I spend money that I don't strictly NEED to but as with the moving-in-with-my-parents thing you have to make a choice sometimes between small things that help you get through the week (a takeaway, a meal out with friends, some overpriced beers for wankers) or spending as little as you can get away with to speed up the process and, again, I accept that that is a decision I'm making.
But it doesn't alter that even for people in similar but slightly easier/better circumstances than mine it's still an absolute pig to save and get the house if your every thought is "Do I NEED to spend this?"
No fucking shit.
Sorry to hear you've got shit going on. I stayed away from the Cancer thread as its "a trigger" for me, as the kids would say. Bastard of an illness.
You have a big misconception of me if you think I’ve ever heard of those people, nevermind like them.
I'm a twit
Would that not be regarded as top bantz?
I went down the live like a trappist monk for 15 years route, and all I've got out of it is 50% stake in a pretty shit house and the distinct sensation that I've wasted the best years of my life.
So my advice to the yoot of this world is smash as many fucking avocados as you like.
The HOUSING CRISIS is largely a South East thing, and over the lifetime of the mortgage you probably pay less than you used to on genuine interest rates, but I wonder what extent the proliferation of university education has done to housing prospects. Not so much in terms of the debt ('debt'), but 1) you spend three years making no money whatsoever at a time when our parents were still living at home and saving [from the jobs they got straight out of school with no proper application process]; and 2) if Portsmouth if anything to go by, half the inner housing stock has been turned into student share houses for the twenty-odd per cent population increase that wouldn't otherwise live here.
London housing though lmao. I look at jobs there and short of almost doubling my money nah mate.
Is the idea that home ownership was easier back in the day even true though? Did more people actually own their homes in the 70s or whatever?
Five seconds of Googling led me to this:
We just compare it to our parents, who were the first generation for it to really be a 'thing'. Their parents mostly lived in shit council houses and rented their telly.
Our parents bought their houses when? 80s? 90s? If that single plot is to be believed, things don't look that much worse off.
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