Current Affairs Cost of living…

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peteblue said:
My daughter has a little lad who is one year old and spent an absolute fortune on baby clothes which they seem to grow out of almost immediately. Ditto sleeping cots and all the paraphernalia that comes with a new child. Of course you and the other half will want everything new, but tbh it’s a massive waste of money. If you are up for it, I’ll get her to pack everything away as it’s pretty well brand new, and nearer the time just let me know where and I’ll send you a load of boxes. I know this is difficult because everyone wants new, but my view is that the stuff should always be passed on to others. Anyway, the offer is there, give me a PM if it would work for you….
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When my lad was born we were lucky as the missus sister had a 3 year old and kept the pram, clothes etc so pretty much nicked all their gear as we were skint at the time and saving up to buy our first house - its definitely worth it didnt realise how expensive a decent pram was.

Diogenes the Cynic said:
My missus is pregnant so we've moved from a shoebox 1 bedroom flat costing a grand a month to a small 2 bedroom house for 1,200 a month and I was over the moon to get it despite the necessary overtime every month it entails

Of course no doubt the rent will be put up every 12mths and I already have no money to save and she will be out of work for a year with the baby so I'll be relentlessly working day and night just trying to keep a roof over our heads.

I've no idea how easy/hard other generations had it. All I know is life is hitting hard. I earn decent money, I grow vegetables, I cook from scratch and buy second hand. I still can't ever see a day when I will own a property. I feel like I'm bringing a child into the world with less than I had and when my Dad went bankrupt and my Mum worked night shift care work minimum wage and myself and partner are both university educated medical professionals it seems like we've a step forward to move two steps back.

Maybe everyone feels this sort of overwhelming financial doom, despite being 43yrs old I haven't tried to be a grown up before and I can't say I'm much good at it.
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Congrats mate hope all goes well for you 👍
 
peteblue said:
My daughter has a little lad who is one year old and spent an absolute fortune on baby clothes which they seem to grow out of almost immediately. Ditto sleeping cots and all the paraphernalia that comes with a new child. Of course you and the other half will want everything new, but tbh it’s a massive waste of money. If you are up for it, I’ll get her to pack everything away as it’s pretty well brand new, and nearer the time just let me know where and I’ll send you a load of boxes. I know this is difficult because everyone wants new, but my view is that the stuff should always be passed on to others. Anyway, the offer is there, give me a PM if it would work for you…..
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Gosh that's amazing Pete thanks so much. We're not due until Jan but I'll message you nearer the time. Best check with your daughter that she doesn't have other plans for them like pregnant friends or something though. Really appreciate that mate.
 
We're lucky in that we only pay £750 pcm rent on a three bed house.

Our plan was to start the process of buying next year but there seems little point to that.

Our budget would be anywhere between 150-200k but the rates are ridiculous.

We want to be comfortable, I've saved for years to be able to buy a house and feel like it's been taken away from me.

So many people are moving from south to north liverpool such is the difference between mortgage rates.

I know a lad who's moved from Aigburth to canny farm because he couldn't afford anywhere in the south. Imagine having to do that.

Aigburth to canny farm
 
peteblue said:
My daughter has a little lad who is one year old and spent an absolute fortune on baby clothes which they seem to grow out of almost immediately. Ditto sleeping cots and all the paraphernalia that comes with a new child. Of course you and the other half will want everything new, but tbh it’s a massive waste of money. If you are up for it, I’ll get her to pack everything away as it’s pretty well brand new, and nearer the time just let me know where and I’ll send you a load of boxes. I know this is difficult because everyone wants new, but my view is that the stuff should always be passed on to others. Anyway, the offer is there, give me a PM if it would work for you…..
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This is a wonderful gesture. Pay heed that paying out for new might seem like you're doing the best but good quality looked after second hand is better when there's plenty other bills to pay.

We gave all our baby clothes and stuff away. It's terrible to think of kids going without.
 
We started getting shopping delivered a few months ago.. we estimate that it's saving us about €20 per shopping.. the impulse purchases have been cut out.
Worth looking into to save some money.
 
Tipp blue said:
We started getting shopping delivered a few months ago.. we estimate that it's saving us about €20 per shopping.. the impulse purchases have been cut out.
Worth looking into to save some money.
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Good shout but I don't think all Aldis and Lidl deliver.

Also you don't get any reduced bargains.

I literally went to the shop assistants and asked them what time they reduce their food, it's usually between 4-7 but slightly different across stores.
 
Charro said:
We're lucky in that we only pay £750 pcm rent on a three bed house.

Our plan was to start the process of buying next year but there seems little point to that.

Our budget would be anywhere between 150-200k but the rates are ridiculous.

We want to be comfortable, I've saved for years to be able to buy a house and feel like it's been taken away from me.

So many people are moving from south to north liverpool such is the difference between mortgage rates.

I know a lad who's moved from Aigburth to canny farm because he couldn't afford anywhere in the south. Imagine having to do that.

Aigburth to canny farm
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I'm hoping back end of next year interest will be down to 3-4% max...

Mainly because my mortgage renewal is due!
 
Bob Latchford said:
We remortgaged for 5 years at 4% about a month ago. Lucky enough tbh. Payment went up around £80 but we’d been overpaying so didn’t really feel it. Some friends have had their payments go up £2-400 pm.
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If rates stay as they are, our payments will go up by £600pm in May. Hoping they drop off substantially before then.
 
Charro said:
We're lucky in that we only pay £750 pcm rent on a three bed house.

Our plan was to start the process of buying next year but there seems little point to that.

Our budget would be anywhere between 150-200k but the rates are ridiculous.

We want to be comfortable, I've saved for years to be able to buy a house and feel like it's been taken away from me.

So many people are moving from south to north liverpool such is the difference between mortgage rates.

I know a lad who's moved from Aigburth to canny farm because he couldn't afford anywhere in the south. Imagine having to do that.

Aigburth to canny farm
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I’ll rent you my 3 bedroom for £550 a month 😂
 
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