Do you feel priced out of parenthood?
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Original post by paul514
Or we could just build a load of homes and solve the problem of the cost as that is where it lays
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Oh,sorry,didn't see this.
But we apparently can't just build loads of homes though. Leastways not in the areas where there's lots of work.
Original post by drbluebox
I live near Glasgow now in a ex council estate, I can get a large 2 bedroom flat for under 30 grand, thats for one that needs no work, I can pay 16-20 grand for one that needs repainted and maybe sanded/varnished floor(as in it has laminate or old dirty carpet)
Its 20 minutes to Glasgow by car, 40 to Edinburgh.
No problems here despite being rough estate as most of the other tenants are Polish.
I already have over 6 grand in the bank so within a few years it will of paid itself off in saved rental costs its just getting that initial outlay and then even on NMW I won't have to worry much about bills.
Its 20 minutes to Glasgow by car, 40 to Edinburgh.
No problems here despite being rough estate as most of the other tenants are Polish.
I already have over 6 grand in the bank so within a few years it will of paid itself off in saved rental costs its just getting that initial outlay and then even on NMW I won't have to worry much about bills.
A two bedroom flat for £30,000!?
I'm gonna look on right move right now.
Always fancied a cheap property in Scotland as I love the cold and dark and being disliked.
Cheers
Original post by moggis
Oh,sorry,didn't see this.
But we apparently can't just build loads of homes though. Leastways not in the areas where there's lots of work.
But we apparently can't just build loads of homes though. Leastways not in the areas where there's lots of work.
We can the government sets the rules so it can change them too
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Original post by paul514
Many people are priced out of having babies and buying a roof over their heads.
The under 40's aren't shouting enough about it by a long chalk.
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The under 40's aren't shouting enough about it by a long chalk.
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Yeah mate, they're all too busy on Instagram and Snapchat, to open their eyes and realise they're going to be phuked for the rest of their lives.
Original post by moggis
Oh,sorry,didn't see this.
But we apparently can't just build loads of homes though. Leastways not in the areas where there's lots of work.
But we apparently can't just build loads of homes though. Leastways not in the areas where there's lots of work.
The only reason this is not done is because it would lower property values.
my area a cheap house is £300,000
a decent house is 1.2 million start price
a decent house is 1.2 million start price
Original post by Lord_hanson
The only reason this is not done is because it would lower property values.
I like the way you say 'the only reason'.
That's one hell of a massive reason.
Especially if you've just bought a house.
No political party could conceivably ever gain a majority if the electorate belived that it really would build so many houses that house prices would fall.
Original post by paul514
Not without the knowledge that it would likely be hugely upsetting its own voters.
Original post by paul514
Good for you but I like others like to seriously plan things like finances before making choices in life like having children.
One of those plans is to own a decent home, a nice car and a couple of holidays per year. Basically an upper middle class life for two graduate parents 15 years ago
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One of those plans is to own a decent home, a nice car and a couple of holidays per year. Basically an upper middle class life for two graduate parents 15 years ago
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"I like others to seriously plan"
lol
good luck with getting others to follow what you would like them to do
Original post by Lord_hanson
The only reason this is not done is because it would lower property values.
That's actually not true.
That would only happen if you built them in stupid places like Stoke and Newcastle.
It would take nearly 3 million in a decade just to meet current demand never mind anything else.
You should check out a website called priced out
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Original post by PinkMobilePhone
"I like others to seriously plan"
lol
good luck with getting others to follow what you would like them to do
lol
good luck with getting others to follow what you would like them to do
The quote is actually....
I, like others, like to seriously plan things like finances before making choices in life like having children.
I already have a partner and we have agreed our plan it's called making a life together.
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I worry about the cost of having kids.
I don't worry about the cost of food, clothes, toys etc. As someone has already said, these can be as cheap or as expensive as you want depending on what you want to buy and where you shop.
But I am worried about the cost of child care - nursery school fees. I work full time, so does my partner. If we had a baby now and after my maternity leave runs out I would opt to go back to work for several reasons:
1. I value my career and want to keep it up
2. It'll be hard to re-enter the job in a few years time when the child is older, so I could potentially lose out of a lot of future income and make myself less employable
3. I would hate to be out of work for any more time
So this means we need to pay for childcare. I know some people suggest I stay at home and be a housewife, but that can't be a decent solution to every single mother in the country. Unfortunately for me, there's no grandparents on my partner's side to help with child care, and my own parents live any hours away. Some people have suggested moving to cheaper parts of the country to buy a house, the downside is not having anyone to help with the baby.
I don't own a property, so to be paying for childcare whilst paying rent and trying to save for a deposit will be very challenging. As such my first step would be to save up and try to buy a place, at least then I wouldn't have to pay rent any-more. So I would delay having a baby until I own a house whenever and where-ever that will be. Then I start to worry about house prices, but that's a different matter.
I don't worry about the cost of food, clothes, toys etc. As someone has already said, these can be as cheap or as expensive as you want depending on what you want to buy and where you shop.
But I am worried about the cost of child care - nursery school fees. I work full time, so does my partner. If we had a baby now and after my maternity leave runs out I would opt to go back to work for several reasons:
1. I value my career and want to keep it up
2. It'll be hard to re-enter the job in a few years time when the child is older, so I could potentially lose out of a lot of future income and make myself less employable
3. I would hate to be out of work for any more time
So this means we need to pay for childcare. I know some people suggest I stay at home and be a housewife, but that can't be a decent solution to every single mother in the country. Unfortunately for me, there's no grandparents on my partner's side to help with child care, and my own parents live any hours away. Some people have suggested moving to cheaper parts of the country to buy a house, the downside is not having anyone to help with the baby.
I don't own a property, so to be paying for childcare whilst paying rent and trying to save for a deposit will be very challenging. As such my first step would be to save up and try to buy a place, at least then I wouldn't have to pay rent any-more. So I would delay having a baby until I own a house whenever and where-ever that will be. Then I start to worry about house prices, but that's a different matter.
Original post by strangesquark
I worry about the cost of having kids.
I don't worry about the cost of food, clothes, toys etc. As someone has already said, these can be as cheap or as expensive as you want depending on what you want to buy and where you shop.
But I am worried about the cost of child care - nursery school fees. I work full time, so does my partner. If we had a baby now and after my maternity leave runs out I would opt to go back to work for several reasons:
1. I value my career and want to keep it up
2. It'll be hard to re-enter the job in a few years time when the child is older, so I could potentially lose out of a lot of future income and make myself less employable
3. I would hate to be out of work for any more time
So this means we need to pay for childcare. I know some people suggest I stay at home and be a housewife, but that can't be a decent solution to every single mother in the country. Unfortunately for me, there's no grandparents on my partner's side to help with child care, and my own parents live any hours away. Some people have suggested moving to cheaper parts of the country to buy a house, the downside is not having anyone to help with the baby.
I don't own a property, so to be paying for childcare whilst paying rent and trying to save for a deposit will be very challenging. As such my first step would be to save up and try to buy a place, at least then I wouldn't have to pay rent any-more. So I would delay having a baby until I own a house whenever and where-ever that will be. Then I start to worry about house prices, but that's a different matter.
I don't worry about the cost of food, clothes, toys etc. As someone has already said, these can be as cheap or as expensive as you want depending on what you want to buy and where you shop.
But I am worried about the cost of child care - nursery school fees. I work full time, so does my partner. If we had a baby now and after my maternity leave runs out I would opt to go back to work for several reasons:
1. I value my career and want to keep it up
2. It'll be hard to re-enter the job in a few years time when the child is older, so I could potentially lose out of a lot of future income and make myself less employable
3. I would hate to be out of work for any more time
So this means we need to pay for childcare. I know some people suggest I stay at home and be a housewife, but that can't be a decent solution to every single mother in the country. Unfortunately for me, there's no grandparents on my partner's side to help with child care, and my own parents live any hours away. Some people have suggested moving to cheaper parts of the country to buy a house, the downside is not having anyone to help with the baby.
I don't own a property, so to be paying for childcare whilst paying rent and trying to save for a deposit will be very challenging. As such my first step would be to save up and try to buy a place, at least then I wouldn't have to pay rent any-more. So I would delay having a baby until I own a house whenever and where-ever that will be. Then I start to worry about house prices, but that's a different matter.
Well said and your wrong on your last sentence they are intrinsically linked it's the cost of having a family and a home is part of that.
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Original post by paul514
Well said and your wrong on your last sentence they are intrinsically linked it's the cost of having a family and a home is part of that.
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Yes that is true. At the moment it just feels like either or. Either save for a deposit / flat or save to have a baby. Still, I shouldn't complain too much, I'm lucky to have a job straight out of uni, which I know many people didn't get. It's a scary thought.
Original post by strangesquark
Yes that is true. At the moment it just feels like either or. Either save for a deposit / flat or save to have a baby. Still, I shouldn't complain too much, I'm lucky to have a job straight out of uni, which I know many people didn't get. It's a scary thought.
And that is exactly why people should be up in arms! It shouldn't be either or
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considering the work situation here in Ireland, Im glad i dont have children. I work twenty hours a week in my main job (plus whatever hours i get in other one) which is barely above the dole weekly payout.
I own my own home and have no mortgage on it which is definetely a massive bonus but i sure as hell couldnt afford children.
I own my own home and have no mortgage on it which is definetely a massive bonus but i sure as hell couldnt afford children.
Gosh long article but in answer to your question yes for sure I don't want to give my children a **** childhood so I'd refuse to have them until I could afford to give them a secure start in life... Which right now I can't even give to myself so yeah, no.
Original post by strangesquark
Yes that is true. At the moment it just feels like either or. Either save for a deposit / flat or save to have a baby. Still, I shouldn't complain too much, I'm lucky to have a job straight out of uni, which I know many people didn't get. It's a scary thought.
Yes you should.
Original post by paul514
And that is exactly why people should be up in arms! It shouldn't be either or
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Oh but you mustn't because that would be whining and acting self-entitled.
For every article I've read where someone in their 20s or 30s have pointed out the cost of housing and / or cost of having kids, they're told to stop whining and get on with it. They are told to:
1. Move to a cheaper part of the country
2. Lower expectations - your expectations are unrealistic
3. You're wasting money on socialising
4. Get your parents to look after the child
5. Get your parents to help out financially
I'm sure there's more but I can't recall right now.
I'm sure some of that is true. Yes there are people with unrealistic expectations, those who spend too much money going out, those who want a penthouse in Chelsea. But equally there are a lot that don't subscribe to these views. I look at my own finances and I worry still.
Some people don't think there's an issue, and if they don't think there's an issue any attempt to talk about it will fall on deaf ears.
Original post by strangesquark
Oh but you mustn't because that would be whining and acting self-entitled.
For every article I've read where someone in their 20s or 30s have pointed out the cost of housing and / or cost of having kids, they're told to stop whining and get on with it. They are told to:
1. Move to a cheaper part of the country
2. Lower expectations - your expectations are unrealistic
3. You're wasting money on socialising
4. Get your parents to look after the child
5. Get your parents to help out financially
I'm sure there's more but I can't recall right now.
I'm sure some of that is true. Yes there are people with unrealistic expectations, those who spend too much money going out, those who want a penthouse in Chelsea. But equally there are a lot that don't subscribe to these views. I look at my own finances and I worry still.
Some people don't think there's an issue, and if they don't think there's an issue any attempt to talk about it will fall on deaf ears.
For every article I've read where someone in their 20s or 30s have pointed out the cost of housing and / or cost of having kids, they're told to stop whining and get on with it. They are told to:
1. Move to a cheaper part of the country
2. Lower expectations - your expectations are unrealistic
3. You're wasting money on socialising
4. Get your parents to look after the child
5. Get your parents to help out financially
I'm sure there's more but I can't recall right now.
I'm sure some of that is true. Yes there are people with unrealistic expectations, those who spend too much money going out, those who want a penthouse in Chelsea. But equally there are a lot that don't subscribe to these views. I look at my own finances and I worry still.
Some people don't think there's an issue, and if they don't think there's an issue any attempt to talk about it will fall on deaf ears.
Pretty much.
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