Monty, have you considered Greater London or does that not interest you so much?

[Rich]

I've just bought my first place in Epsom. It's a fairly new built estate so lacks a leetle bit in the character.

But it's on the site of one of the old insane asylums. They've made it really very nice. Very green and leafy. Lots of parks, good pubs, nice walks etc and only 30 mins into Waterloo - although I believe there are faster ways if you go to a more mainstream station.

There's quite a lot of young ish professional couples with young kids living around me in my three bed semi.

[Billy Goat Sverige]

that much of a c**t.

[7evens]

[Steve Williams - gay for Mark Knopfler]

[Rich]

[Monty91]

and the missus is a fussy **** which doesn't help.

[Classic Jorge]

[Classic Jorge]

count yourself lucky imo

[Billy Goat Sverige]

[Rich]

[Billy Goat Sverige]

to have about 75% to put down on a nice house :cloud9:

[Rich]

Are house prices in Scandanavia not stupidly expensive like everything else?

Off to northern Norway tomorrow. Beer is so expensive because of the fun police :-|

[7evens]

[7evens]

[Monty91]

[Curly]

[Billy Goat Sverige]

quite high. Up in the north where i am you can get a house from anywhere between £55000-£300,000. £300,000 being a big f**k off one.

This one is just across from where i live now. Decent size and only £113,000.

http://www.blocket.se/vasternorrland/Torsdagsvagen_46__Sunds vall_52472552.htm?ca=4&w=1 (http://www.blocket.se/vasternorrland/Torsdagsvagen_46__Sundsvall_52472552.htm?ca=4&w=1)

[barrybueno]

[Steve Williams - gay for Mark Knopfler]

http://www.climbingframes.ie/blog/wp-content/uploads/2013/07/WendyHouse.jpg

[Monty91]

[7evens]

[Steve Williams - gay for Mark Knopfler]

Torsdagsvägen 46, Sundsvall

What the f**k?

[Billy Goat Sverige]

No.46 thursdayroad.

[Monty91]

with long working hours and a baby at home.

[Pokster]

[Classic Jorge]

[7evens]

I'm in Bishops Stortford and I can be in the west end in about that time on the train.

[barrybueno]

[Rich]

[Billy Goat Sverige]

save up the £115,000 deposit in the 9 months since you graduated?

[Classic Jorge]

are you a drug dealer?

[Pat Vegas]

[Monty91]

Wot about Walthamstow village - heard good things.

[Rich]

on a house :-(

First time in my life that I've made a sensible choice. Sensible but boring.

[Pat Vegas]

Cause most medical students own their own homes, drive BMW's etc.

He's name is also Rich for f**k sake.

[Pat Vegas]

[Rich]

And posting on AWIMB.

[barrybueno]

[Pat Vegas]

Muswell hill not far away.

Brent Cross very short drive.

[Maravilloso Marvo]

Put £120k to try and catch him out. Because of course using the numbers given above, he "only" had £115k.

[Maravilloso Marvo]

[Monty91]

non-descript.

Would at least like somewhere with a bit of an interesting ethnic retail trade. That's why Turnpike would have been so ace.

[Pat Vegas]

general London lifestyle.
Something doesn't add up.

You must be bankrolled some money or your a crim.

[Rich]

I now have no money in any ISA or savings account. Just my wages in my current account.

I f**king hate it, tbh. But it'll be worth it in the long run.

[Billy Goat Sverige]

[Pat Vegas]

[Rich]

have helped me out over the years on the basis that in 3 years I should have a nice, six figure salary.

I'm certainly not a crim, I'm just lucky that my parents have been so kind as to help me out in getting my foot on the property ladder without having to get a killer mortgage.

[Maravilloso Marvo]

So whilst being a student, you had saved £87.5k to get you to your 30% deposit you have just used to buy your house. And that is, by your own admission, making only one financial sacrifice, which was to not buy a new car...

Righhhhhhhhhhhhhht.

[Monty91]

[Maravilloso Marvo]

earlier mate.

[Pokster]

[Maravilloso Marvo]

[Rich]

to me by family for gifts/goodwill/helping out with various projects, but it's still saving.

At uni I also got given a living allowance each week which I never fully spent.

[Billy Goat Sverige]

average for the first two years after graduating. So £26k paying off a £270k mortgage :sherlock:

[Steve Williams - gay for Mark Knopfler]

Do you mean an area that is not your average high street?

Come out of the station and you're into Wood Green High Road, as ordinary a stretch of shops as you will find anywhere in the UK.

[Rich]

Do they expect people to turn it down?

No, Dad. I insist. I want to do it by myself.

:rolleyes:

[Maravilloso Marvo]

And that has amazingly turned into £115k. Well done Rich.

[Steve Williams - gay for Mark Knopfler]

I would love to one day be in a position to give that kind of money to my kids.

I won't.

[Maravilloso Marvo]

months.

You see when things don't add up, people think there is more to a story than meets the eye. As I said, we have now got there. Bank of mum and dad have come good.

[Rich]

[Monty91]

privileged position of having wealthy parents?

[Sir Charlie of Nicholas]

if at all possible.

There's a degree of rather ugly envy showing through here in places.

[Maravilloso Marvo]

I agree with SW that I would love to be able to give that to my children one day. The only problem was the inference that he had done it by saving for 9 months in his £55k job.

[Billy Goat Sverige]

junior doctors.

http://www.prospects.ac.uk/general_practice_doctor_salary.ht m (http://www.prospects.ac.uk/general_practice_doctor_salary.htm)

[Steve Williams - gay for Mark Knopfler]

[Rich]

things. I saved a lot of mine and it does add up.

Just because it isn't money paid by an employer doesn't mean that it's not money that you've saved.

[Pokster]

as possible, while the richer ones don't... was it Bill Gates or Steve Job who said their kids will get nothing?

[Maravilloso Marvo]

[Pokster]

[Maravilloso Marvo]

[Rich]

Doctors in training are paid extra if they work more than 40 hours or they work outside the hours of 7am to 7pm, Monday to Friday. This is usually between 20% and 50% of the basic salary.


I work well, well over 40 hours per week.

[Pokster]

go back 10 yrs and our combined salary was over 100% higher than it is now :-(

[Monty91]

[Maravilloso Marvo]

[Billy Goat Sverige]

[Rich]

[Billy Goat Sverige]

[Pokster]

[Classic Jorge]

[Billy Goat Sverige]

[Sir Charlie of Nicholas]

[Monty91]

[Jake]

[Steve Williams - gay for Mark Knopfler]

And they retrospectively try to identify gifted payments in a previous 7 year period.

[Steve Williams - gay for Mark Knopfler]

15% for each of you, 40 for the Revenue.

Shocking.

[redgunamo]

[Peter]