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First house

Discussion in 'General chit chat' started by Eurosaber, Apr 16, 2014.

  1. Eurosaber

    Eurosaber Keyboard Hero

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    Location:
    Evesham - Worcestershire
    Sooo, Donk leaves home in the next few weeks into his first home at the age of 22.

    It's a stressy process isn't it?
    And damn expensive!

    Stamp duty, wtf? My salary is taxed, to pay for a mortgage that is taxed, to buy a house which I have to pay a duty on?


    Any money saving tips for me?
    Anything I will completely forget?

    I think I'll end up sat in the living room , on the floor, using my camping stove...
     
  2. Andy-K2

    Andy-K2 Posting Addict

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    Location:
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    Yep, that pretty much sounds like how it will be for the next 25 years.. Oh yes, if you can, start saving as the kids will come along and will want your bloody sweat at tears for stuff they need:rolleyes:.

    Congratulations and enjoy your future, sounds like your off to a great start at your age... good luck fella:up:
     
  3. milek

    milek Honorary Member

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    You are about to find out that your missus is as capable of leaving a foul smelling toilet as you.
     
  4. yorkshireshoot

    yorkshireshoot Posting Addict

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    Good news mate hope all goes well , as for advice pay someone to decorate if you can its a nightmare !
     
  5. Ronnieman

    Ronnieman Engaging Member

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    Well done, me and the mrs are trying to get a decent deposit together at the moment, dreading all the hidden costs i have accounted for!
     
  6. Donki Oaty

    Donki Oaty Where's the time going?

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    Location:
    Axholme
    Don't forget:
    Contents insurance
    Buildings insurance
    Water rates
    Drainage rates
    TV licence
    Council tax
    Life insurance
    Internet
    Electric
    Gas
    Pension
    Saving for repairs

    A lotto ticket per week to give you a little hope.

    Well done and good luck. ;)
     
  7. Pidlar

    Pidlar Big Poster

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    Location:
    Kingwinford
    Money saving tip?

    Move back in with your parents until you're at least 36, see the world, live life to the full. Then get a house!
     
  8. Ganton Gunner

    Ganton Gunner Super Duper Moderator Staff Member Mod/Admin

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    Location:
    Ganton scarborough
    the best tip is to travel back in time :D my house cost £33,500 18 years ago :cool:
     
  9. Eurosaber

    Eurosaber Keyboard Hero

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    Location:
    Evesham - Worcestershire
    I haven't sorted insurance yet! Oh dear!!
     
  10. Ganton Gunner

    Ganton Gunner Super Duper Moderator Staff Member Mod/Admin

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    that's about the most important !!
     
  11. spike589715

    spike589715 Busy Member

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    Location:
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    Expensive times ....
    but does get better
    whatever you do .... Find the right partner as divorce is expensive !
    I know I am on my final - 3rd wife !
    keep smiling after all it is only money !

    si
     
  12. Speed

    Speed Busy Member

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    i needed life ins and home ins before they would release my mortage funds best part of £50 pcm

    when i got my first house 3 years ago because of first time buyer status they decided fit for me to pay 6.9%, its up for redoing in may and we can get a 2.7% deal, it will be loads cheaper pcm


    dont forget about phone line rental for the internet, then if you want sky tv, food shopping etc
     
  13. Elk hunter

    Elk hunter Keyboard Hero

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    Location:
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    TIPS!

    Yes, just one.
    Give your mum a spear key, then ask her one day if she can get some shopping in for you as your to busy at work.
    I garuntee your fridge will be overflowing at minimum expencive (just don't ask her to offen.)

    Andrew
     
  14. Jed Clampit

    Jed Clampit Posting Addict

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    Location:
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    Well done mate.
    The only tip I've got is once a month, stand out the front of your house, with your wage slip in your hand. Then think about how good it feels to have your own place and remeber how it feels to owe the bank that much money.
    Then screw your wage slip up and throw it at the house.
    Its worth every penny.
     
    Last edited: Apr 16, 2014
  15. Trouserferret

    Trouserferret Donator

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    Location:
    Troon (Scotland)
    Tips?

    Moved in with my girlfriend last year, in the process of buying our house now.

    Get the finances written down, and don't eat into it. Spend little and often to take the burden off the daily grind of keeping that roof over your head. Remember that it's worth it, it's yours! You'll find it's the little things will make you smile. Lived on my own for years, this is the first foray into the co-habiting part. Seems ok for the most of it. I cook/fix/garden/mend, she cleans/tidies/moans about the mess I make.

    Try and get on with your neighbours. This is of the upmost importance.

    Even if you think they're w*nks, just a smile and a "hello" goes a long way.

    Other than that, good luck. Fill the freezer with readymeals, and have plenty of tins on hand. Saves an argument when no-one can be bothered cooking.

    All the best, dude!

    Mick
     
  16. Grumpyoldman

    Grumpyoldman Very Active

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    Location:
    far north west
    Just pay for it , slave away renovating it . Then let your Mrs take the lot lock stock and leave you with a huge debt and nothing to show for it . Worked for Grumps :mad:
     
  17. Jfrwhite

    Jfrwhite Posting Addict

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    Location:
    Carnforth
    How many 3rd wives have you had? :D
     

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