Thanks for the replies - I was all for getting the mortgage as we can afford repayments comfortably at the moment (the OH's bank has approved the 80% basically because it would be guaranteed by his business holdings). After all, we have to have a home and currently we are both renting and paying somebody elses mortagages. More than once we were ready to buy with mortgage but it fell through or went sale agreed before we got there, I guess I should be thankful we have the option of buying anywhere at all - it's just there's a lot of compromise but I guess it comes with much more piece of mind at the moment. I just wondered whether I was being over cautious and if other people would think the same way or not.
The figures are so hugely generalised - 106 euro for commuting but then childcare is averaged out at €14 ?
"Other costs include €49 a week on food for those who work and €14 a week on childcare (based on an average including informal carers such as grandparents) along with €36 on clothing." - from the link Pheonix provided.
I can't get one 3 hour play school session for my daughter for €14 - to maintain my previous job my childcare would have been more than 70% of my weekly income due to unsociable hours and weekends. But the headline of the report is all over the media today.
If you were looking at buying a house in the current economic climate - which of the two scenarios would you most likely opt for? ( I have 2 kids and my OH has 3 kids - 2 of whom currently visit at weekends - and I'm fast careering towards 40)
1. Buying a detatched family home, great condition and plenty of room for extended family and guests - room for dogs and sheds/workrooms. 80% mortgage over 18 years.
2. Purchasing outright a 3 bed semi in an older, established estate in a small town. Borrowing from family and paying back within 4 years. Hoping that in 4 years there may be opportunity to extend or sell.
I can only see interest rates increasing over the next few years and this whole euro break up possibilty has me really worried about bank financing and that putting whatever cash I have into a house might be a good idea now.
It happened to me in my early 20's - he swore I was the one and I wanted to be & so I let myself be used, but no one could have made it different but me. Then I didn't see it.
the sunset is amazing tonight - clouds over the sun and razorlights of pink and mauve - grey shadowed mountains - against a backdrop of Ireland's greenest land.
From here there is the most wonderful Tokoyo Sun just disappearing over the mountains. The clouds behind are illuminated pink. It's a great day to be... here ... in the world.
I'd be a hypocrite If I said I would dimiss the idea completely seeing as I do have a disability. For me it would have more to do with chemistry and the person's attitude. Some people can be a bit self absorbed, bitter (angry at the world because they have a disability) and full of self pity. I know that sounds harsh of me to say that but its true. I would have no time for someone like that whether they had a disability or not. If their disability is rudeness or ignorance then I think I'd pass. The thing is a lot of people have a disability in some way whether it be dyslexia or poor eyesight or something more serious.
I think its hard to know how you would react unless you are faced with that situation. Some people can't handle it and some don't see it as a problem.
The other thing that I wanted to point out is that it could happen to anyone, whether it be from a car accident or be struck down with a disease or illness (God forbid). Its a morbid thought but its true. I wouldn't like to think I would judge someone on the basis of that.
I don't want to sound flippant but it's all relevant to situations - I have 2 small kids and my partner has 2 stroppy teens and an older child. Plus the ex'es and the families. And we live opposite sides of Ireland, trying to look for an eventual "family home". Compared to what seems to be facing us some days - a wheelchair? That's easy.
That's a bit of a double edged sword. Being nosey - Was she your ex when she told she was married or when she miscarried, or maybe what I mean is - if the pregnancy had continued what would you have done?
they must have sold it - bummer for the cast of Eastenders getting to work now ....
East London (Afrikaans: Oos-Londen, Xhosa: eMonti) is a city on the southeast coast of South Africa, situated at 32.97°S and 27.87°E in the Buffalo City Metropolitan Municipality of the Eastern Cape province. The city lies on the Indian Ocean coast, largely between the Buffalo River and the Nahoon River, and is the country's only river port. East London today has a population of over 400,000, with over 1.4 million in the metropolitan area.
sally101 Forum Posts (1,770)
House Buying
Thanks for the replies - I was all for getting the mortgage as we can afford repayments comfortably at the moment (the OH's bank has approved the 80% basically because it would be guaranteed by his business holdings).After all, we have to have a home and currently we are both renting and paying somebody elses mortagages.
More than once we were ready to buy with mortgage but it fell through or went sale agreed before we got there,
I guess I should be thankful we have the option of buying anywhere at all - it's just there's a lot of compromise but I guess it comes with much more piece of mind at the moment.
I just wondered whether I was being over cautious and if other people would think the same way or not.