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[tunnie]

i thought 10k was not to bad considering what i have done this year!

Thats only 800 quid a month.....and with pretty much zero over heads...

That might just cover a mortgage.....then you have, electric, gas, phone, tv license, council tax, buildings insurance, contents insurance, maintenance, food, water......

Not a chance!

My monthly outgoings are over £1k

Train Ticket with parking - £460

Petrol - £120/150

Food - £100

Sky+ - £37

Phone - £35 (soon £5)

Car  - Number of costs here

Rest goes on other small living costs, pub on Thursdays after work, lunch trips, events, things to do see.

[Vamps]

And you want to buy a house............. No chance with that outgoing, unless you are on megga bucks..........

[amigov6]

You're doing well for a young man & good on you. Keep saving the savings because you won't want to live at home forever & you live/work in an expensive neck of the woods, i'm a southener myself despite living happily with a cheap mortgage in Linclonshire but all things are relative regarding income & location. Family is a natural progression, rewarding but costly. My family have grown up & gone & my mortgage is a quarter of my monthly income.....just realized i'm sounding like a right old fart, spend, enjoy but keep one eye on the future! 8-)

[Danny]

I agree you're doing fantastically well with your savings, but your travel expenses can only be described as shocking!!!

[tunnie]

I agree you're doing fantastically well with your savings, but your travel expenses can only be described as shocking!!!

Hence looking at a bike!

I could commute for £230-300 all in per month on that.

Thats if mother tunnie will let me!  

[Vamps]

I agree you're doing fantastically well with your savings, but your travel expenses can only be described as shocking!!!

Hence looking at a bike!

I could commute for £230-300 all in per month on that.
Thats if mother tunnie will let me!  

In the winter I know you live in th south but it must still get chilly, even down there

[Danny]

i carefully chose my lifestyle and job based mostly on money and the rest on capability

i'm not capable of much but being a postman keeps my outgoings down, i work 6 hours a day so i get my dinner when i'm home and not spending it in cafes or fast food places, i work in a convenient area that means i dont commute on main congested routes so my fuel bills are jealously low...

...and i'm only managing to save half what you do in a year!! but the house i've found is a generously sized 3 bedroom, one room is big enough to be split, in a moderately trouble-free area and for under £70,000, with its own parking for about 6 omegas!!

[amigov6]

I agree you're doing fantastically well with your savings, but your travel expenses can only be described as shocking!!!

Hence looking at a bike!

I could commute for £230-300 all in per month on that.

Thats if mother tunnie will let me!  

As you know i'll argue with all of you but argue with Mother? Even Father does'nt do that!!!!!!

[Vamps]

i carefully chose my lifestyle and job based mostly on money and the rest on capability

i'm not capable of much but being a postman keeps my outgoings down, i work 6 hours a day so i get my dinner when i'm home and not spending it in cafes or fast food places, i work in a convenient area that means i dont commute on main congested routes so my fuel bills are jealously low...

...and i'm only managing to save half what you do in a year!! but the house i've found is a generously sized 3 bedroom, one room is big enough to be split, in a moderately trouble-free area and for under £70,000, with its own parking for about 6 omegas!!

If you are on your own then rent out your spare bedroms, and watch the money come rolling in..........

[Andy B]

..... in a moderately trouble-free area and for under £70,000, with its own parking for about 6 omegas!!

Bloody hell! That's cheap even for up here!  

[Andy B]

.....
I could commute for £230-300 all in per month on that.
 ......

I could even commute in my Omega for less than that, & I still commute in my diseasal Astra shed cos it's cheaper.  

[Danny]

..... in a moderately trouble-free area and for under £70,000, with its own parking for about 6 omegas!!

Bloody hell! That's cheap even for up here!  

well just to make it sound more of a bargain, the lounge and master bedroom are both 19'x13'7", 2 more double bedrooms about 12'x12' each ish, a 12'x10' dining room seperate for the 15'x15'kitchen, and a 7'x7' room off the kitchen where the back door is. then a 11'x8' bathroom with a seperate walk-in shower

I have a swmbo aswell though, so the mortgage is halved, but i'm not keen on the idea of renting out to people cos it'd stop being our own house!

[Parts_Monkey]

I've spent the last couple of years subsidising my girlfriend through Uni and this is the first month where I've got to the end and I'm up at the end of the month.

[Marks DTM Calib]

My monthly outgoings are over £1k

Train Ticket with parking - £460
Petrol - £120/150
Food - £100
Sky+ - £37
Phone - £35 (soon £5)

Sub Total - £782

So you are spending £218 quid on 'others'

You realy are going to get a shock with a house purchase!

Your Petrol bill seems high.....its half mine and I do 2K miles a month.

[Elite Pete]

I think your in for a bit of a shock Tunnie. My daughter came home from uni and lived with us for 3 years, we didn't charge her a penny to allow her to save for a deposit on a house. After 3 years she had saved bugger all and we ended up giving (was supposed to be a loan but don't think we will see the money again)her the deposit for her own place. She's now been in the house for 18 months and is so skint, her fixed rate mortgage finishes in another 6 months and ive warned her she needs about £1500 for surveyors and solicitors fee's but I know she won't be able to save it. She's a proper copper, so has a good job and the only other things she pays is a student loan and the mortgage is only for £82500. My worry is she will want to sell her house, which is probably in negative equity and come home