sorry guys, but i really have to set up this thread, as a place where i/we can come and air our anger, rants, stuff your pissed off with, and maybe someone can give some advice..

my rant at the minute is the fact am stuck in an house, where i dont wanna be, cramped and ready to move out... but on the other i hand i gotta think bout vic and the baby.. so, is staying at her parents house the best and safest bet, or do i cut me losses and make a go of it, as most parents have to do??

 

I would do wot i though was best for the family !!!
start with the council and work ur way round you will find sum thing in the end . (me thinks)

 

Do whatever you think you can afford at the mo - and dont forget its christmas next month

Your either gonna be skint if you get another place (which some of us can be happy skint or not so that may not come into it) or stay where you are and spend more at crimbo and move in new year.

Do what your missus wants to do in my opinion coz boy can our hormones be up and down after birth!!

Only you can decide that one

 

Hi mate

You don't have to do what most parents do, just what's comfortable for you to do, Ellie made a good point about Christmas and money.

Stay put till the new year and make all the decisions then, as for now enjoy your new family member and try and have a fantastic Christmas

 

Hello there Andrew

Well, it would appear that I may be out of a job already.

As the WYIOC's resident agony aunt I am proud to say that I have helped many a member out of many a slippery hole in the past, but as always those events will be treated with absolute discretion, so no names, no packdrill.

(By the way MickWRX, how are the piles? Gone down a bit I hope)

However, on this occasion it looks like some other members have taken up the mantle of Auntie Lagg in my absence and have give you some very sound and useful advice.

All that I can add is that you should talk things over thoroughly with your good lady, and don't rush into any spur-of-the-minute decisions.

I hope things work out for you love.

If you need any further help, just ask for your Auntie Lagg

 

you called me andrew...... me mam calls me that when i've been a bad boy, and so does our lass theres a house come up for sale, 85k, in cas, but she wants to know by next week... i can afford it, but like ellie said, xmas is coming, and i want kyle to have a really good 1st xmas... the other thing is, there is a house to rent in normy, but it wont be ready til after xmas, again i can afford it too. there is not much differance in price between rent and buying, but the house in normy is closer to home... so what do i do??? renting is dead money, but its closer and plus its fully furnished... or do i buy.. its not furnished but it is decorated... it has a bigger garden too.

AUNTIE LAGG.. your comments please??

persoanlly, i'd like to rent, its still gonna be my own space, plus am not committing to a mortgage either..

 

Well the Steven (I bet your mum never calls you that )

If I were in your situation I would be looking at buying the house in Castleford, for a couple of reasons;

You say that you can afford it, which is always a bonus, and a good start. It will be a home for your young family. I dare say that rented accomodation could also house you, but would you ever truly be able to call it "home"?

Buying property is a huge commitment for you, but it is essentially yours. You have said that there is little difference between the cost of renting and the cost of buying, which for me would be the decider. I'd much rather put money into something that is mine than to simply line the pockets of a property owner.

And finally, I know you want to give the little fella the very best start in life, all parents do, but how much do you remember of your first ever Christmas? It's only natural to want to spoil your children at this time of year, but if you hold back on spending too much you will make the homeowning dream become a bit more of a reality, and end up with a nice home and garden. Something which will mean much more to a growing boy than a few things that he's never going to remember.

 

the house to rent is my next door neighbours old one.. so for now i wouldnt be able to truly say its mine, but he has said if am in it, and i do want to buy e, something can be sorted... the house in cas would be nice, but 3 things are affecting my decis. 1. how long does it take from saying yes, to having the first payment come out for the mortgage?? 2. my credit history is poo, but the woman whos house it is knows a mortgage geezer... 3. it all depends on house much the mortgage will be. anything under 550 a month is great, whether it be over 25 years, 35 or 40 years.

 

who the **** is this auntie lagg

 

ant a clue fl6, but she/he/she/he whichever, is pretty good!!

 

i love it , Auntie Lagg

Too Funny

 

think i'm gonna rent the house, and buy it later... like i said, it all depends on what this adviser says when i see him

 

just wonder if auntie lagg is mrs BRADY'S sister from the smacs

 

hhmmm... its cool we got an agony aunt... AUNTIE LAGG, how do you stop i baby crying??

 

you cant

 

****e

 

thay just go on and on and on and on and thats at 16

 

To try and briefly answer the above questions;

Andrew...

1 - Quite a while, in reality it can take months for a house sale to go through, and the first mortgage payment is usually taken a month or two after moving in to the property. This is just a rough example of course, you can go for a fast-track completion if you are so inclined. Remember that things can depend greatly on whether or not the vendor is in a 'chain' of buyers

2 - GET YOUR OWN INDEPENDENT FINANCIAL / MORTGAGE ADVISOR. Please, please, please do not use anyone recommended by the person selling you ANYTHING! Would you buy a car having had it inspected by a 'mate' of the seller, or would you take someone with you whom YOU trust to give you a fair opinion? An initial consultation with an independent mortgage advisor should cost you nothing, and give you a pretty good idea of how likely you are to be successful in an applicaton

3 - As a rule of thumb, a mortgage of £85,000 over 25 years would have the following monthly repayment rates:

5.5% = £ 521.97
6.0% = £ 547.66

So anywhere around the 6% mark should suit you.

...and fl6.... Keep you nose out, lovvie

 

All babies cry and some babies cry a lot. This is perfectly normal. Babies cannot tell us what they want, so they cry to attract our attention when they need something. Often you will know exactly why your baby is crying. It may be from hunger, because of a wet or dirty nappy, from tiredness, or perhaps from frustration at not being able to reach a toy. But sometimes it can seem as if nothing will stop your baby crying. This can be an anxious time. Hearing your baby crying is distressing for both parents and carers. You may worry that there is something seriously wrong with your baby, or be afraid that he's never going to stop. It's just life, my friend. It will stop, when they are about 18.

 

stroppy old cow

 

Sound advise there.

If its anything like my kids first christmas (especially first child) then you wont be able to move for presents from family and friends

Likewise will he remember it and im sure you have had the expense of buying a pushchair, cot, essentials etc.........

So stop being hard on yourself and do whats right and invest in the future

 

I am just wondering if Aunti Lagg, is mapped in constant or on a switch ?

And I thought it was another member who had a touch of the old piles, you know who you are/were

 

I'm just wondering if you're popping round for a coffee, or if I have to make my own?

 

Yes buy mate that would be the best xmas present ever you could buy for you and your familys future..

 

You may have packing boxes strewn around and months of work to do to get it right, but Imagine lying snuggled up on a settee in front of the telly with your Mrs on a dark wintry night knowing that there really is no one else in there but you two and your littleun.. no one else to consider or worry about if the baby cries... not having to worry if the littleun draws on the walls or carves out their name on the stair rail... the feeling of really having your own property is stunning.. third in line to stringing a decent set of bends together and ... well... you know..

After 22 years renting in the RAF and spending a few years renting when I came out.. I was always conscious that the house we were in wasn't mine and i could never make it a HOME... but sitting here now in my own house... the feeling of 'rightness' can't be put into words...

 

Will someone make me feel good about renting please, I so am not feeling the love

 

I signed for my morgage when i turned 18 years, decided to put my shoe allowance into something worth while, must admit felt fantastic, I had a chap with a XR2, a mobile phone the size of a house and my own pad but houses were a steal then but now its so expensive......

The market isnt good at the minute, Houses are overpriced and the problem is buying now might mean you loose value in your property if the market takes a dip.....

So you have to take this into account, maybe be best to rent for now and keep a eye on the market....

(there you go Mick that should make you feel better cocker)

 

Nothing wrong with BIG gadgets...

 

Those were the days when there werent laptops and all we had was a house with just a bed and take away menus ..... had to entertain ourselves

 

Thank god for technology......

And Scoobynet...