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What's the appeal?
Where are your friends, man?
What? What? Where are my friends?
But I want an impassioned defence of modern life from DiS because we're all fucking stuck in it.
Just shut the fuck up and listen to Turbonegro. That's what I do.
You win the thread, everyone out.
as if he's that predictable these days. Needs to go back to writing songs about his bedtime stories being like GMTV Gomulka, or something.
You must pick one badman
Having a bit of money to retire on after 50 years at work etc.
What a bunch of squares eh!
"Having a bit of money to retire on after 50 years at work etc."
is highly, highly unlikely to end up being a flase binary
so you get a few seconds to gaze upon yr horrible typo
or die young
so no reason why not really
Wonder if he'll play that at the wedding?
YOU WIN OR YOU DIE!!!
But if you're earning, you really should be putting some in a pension.
When the environmental catastrophe happens I'd be glad I didn't save up. This is coming from an almost compulsive saver, if you've seen me mention it before, I save a lot of money very well. But I wonder why?
after a while doing the same things gets boring and a lot of people don't like being out of their comfort zone so wont move or do anything solo....so they choose nesting as there new thing to be excited about. Again this gets boring after a while hence, kids or divorce or mid life crisis etc. Just the way it is.....
My 2 friends from back home are both on to their 2nd kid and 2nd house. I rent, work then travel. They are envious of me and I am envious of them but you can't have cake and eat it all the time :)
it's alright, at the current rate, for the next 29 years for every £1.69 that I pay in "rent", £1 will be mine at the end.
the problem with these is that I keep wishing I had done it earlier. I pay less in my mortgage than I did on rent, and after 25 years I own a house! I pay a small amount into a pension pot and eventually it will give me a monthly sum until I die!
25 years jebus
Mine too, pretty bleak to realise everyone's moved onto the next stage and I'll be here forever, made a conscious decision to drift away from them and become a weird old recluse I think.
except the pension. actually fuck the pension. as you were
but I do wonder if DiSers are a bit later than the rest of the world at doing these kind of stymied grown up things. (I include myslef in this category, any excuse to dodge responsibility and when I get bored or life gets too complicated, I generally just movce country for a bit. Problems: dodged.)
I just wonder sometimes if our slightly boring sounding fgriends who are settling down look at us and think, WHAT are they doindg with their lives?
Not that I give a shit really what any who thinks like that would think, but i do sometimes wish I'd been a bit more sensible in the last 5 years or so.
more difficult for young people to achieve these things. Most first time buying these days relies on parental wealth. With reference to the `what do your parents do` thread from last week, most people on here seem to be from pretty modest backgrounds.
Pensions? If you’re a graduate stuck in the rental sector with vast amounts of student debt, you’re unlikely to be starting a pension these days until you hit 30. Doesn’t really matter – we’ll be working for 5 years longer than our parents to offset the need to have started it 5 years earlier.
Weddings? Most weddings I go to also have a heavy chunk of parental money lobbed in. Also, fewer people care about getting married these days so there’s a gradual attrition there.
Think `DiSers` are largely predisposed to not be those who get classic `graduate` careers and don’t gun for earning £60k+ a year. 15 years ago we’d have all been able to afford gaffs, weddings and pensions. These days? Nah.
Feels a bit like many of us are resigned to living like something out ofd The Young Ones until late 30s. 9and again, despite ok career, I include myself in that bracket. I only just got back on the property ladder agan myself (first time around I did so with the help of a 105% mortgage) and that was years of saving. I do understand that times have changed, it just seems that a lot of us are pretty resigned to/ happy about the situatoni. Postponement of all that boring (and scary) shit isn't the worst thing in the world.
Not much else you can do.
Devoid of context, our living situations aren't that bad. It's just when you factor in that pretty much all of us will be significantly worse off than our parents and, therefore, the contexts in which we grew up that it becomes evident... Well, that and the fact that we're headlong reverting back to a Victorian era separation of wealthy and not-so-wealthy solely demarcated by familial wealth and property ownership. If your family have nothing, this country's a fucking scary place to be.
And you're right I do dodge responsibility where possible, and I'm so paranoid about keeping options open I end up not picking specific life 'paths' at all.
But really this thread isn't that angsty, I was just wondering about people who've ended up in a lifestyle by 35 that they are pretty much going to have to follow through on forever. And if this thread's anything to go on they just look around mumbling "well it just makes sense because it just does" until they fall unconscious.
but mortgage and pension are surely just logical financial planning.
I'd far rather have a mortgage than pay rent - for the same cost you're getting a hell of a lot more for your money. I wish I could have done it twenty years ago. Plus for me it's the only practical way of building up to having a nice rambling place in the country where I can have space for all the things like music room, workshop, garden, tree house that I want.
Pension / savings - if I had the money I'd be doing it, in the main because I don't think the welfare state will be any better than it is now at providing for the old and infirm when I get to that age.
I guess if you don't see the appeal of financial security then fair enough
propagation of this mindset that mortgage is better than renting. For some people it is, but not for a huge number of people who do it. If I meet one more single 20 something doing it for financial security I think I might cry. The Graduate, work 2 years buy a house thing is just sad. You have experienced nothing to base this decision on, where you want to live or who you really are. Its just picking option 1 of 1 and going that makes common sense. If you have a kid and are married go nuts but the idea it is common sense is nuts!
in a culture that puts the emphasis on the 'free market' and 'flexible tenancies' over the ability to establish your own home?
people talk about the flexibility of renting and there's something to that but ultimately it's just shit here. absolute shit. the constant stress of knowing you'll be gone from where you are in a year's time, and (especially if you're in London) likely to end up paying more for somewhere further away from your work and social lives. and it's only getting more predatory.
You can always sell the house and cash in your pension and spend the money on cocaine if you get bored.
On the one hand, having grown up in an environment where there was no financial stability, I am a firm believer in putting a bit of money away and looking after my money. I do that because I believe in self-reliance and being able to support myself. Mortgages aren't a bad idea and if you can get on the property ladder in the UK then you're working towards having an asset of your own that will probably increase in value quite comfortably given the state of our housing market in the UK.
On the other hand I look at a lot of my friends and people I went to school and college with and see them getting mortgages and settling down and think... I don't want to do that. They're just following the same path as everyone else because they're scared and don't know what to do with their lives. So they copy others. They buy into the lifestyles and lifestyle expectations that society sells to them. And that's not coming from a socialist here, I'm as free market as they come, it's just that's what they're sold and that's what they buy into.
I just want to save enough money up to do my educational qualifications and start my own tutoring business. Fuck the lifestyle shit.