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These 129 comments are related to an article called:

Home Ownership

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posted on 4/7/23

Benefits of working at home:

No travel
Longer sleep
Don't need to shower as soon as you get up
Can cook and eat whenever you want
Do washing and such
Cook and eat whilst working so lunch can be spent doing activities or gym etc
Cook more food after gym
Get girls round at lunch, or boys
Private toilet
Private office space with no one shouting
Can wander about more. Change rooms etc
Watch sport more easily
Get peace and quiet when you actually need to concentrate
Be able to say what you want on calls without an office listening
Home coffee
Go meet people you want to meet after work cos you aren't drained by people
Can have pets
Can be productive during pointless meetings
Farting


Disbenefits of working at home:

Don't get to see the colleagues that you don't want to see
Lack of distracting noises from colleagues which you really need to be productive
Don't get to poo with other people
Don't get to have terrible expensive lunch instead of doing activities at lunch
Don't get tired out by terrible people so you don't have to go out and see your friends later cos you're too drained
Don't get to pay attention to all meetings when they are not relevant or necessary

posted on 4/7/23

Some amount of either naivety or misplaced spite from one or two older people in this thread.

I'm a millennial, a homeowner for 7+ years, and fortunate to be so. I graduated and got my first job with a salary in the low 20s. Shared a studio flat with my girlfriend who was still a full time student, took the train to work, and managed to put aside a small amount of savings every month, but nothing drastic. Eventually used those savings after a few years to buy a ~£7k car. Started saving again, lost my job in a wave of redundancies, burned through my pitiful savings, got another job on still under 30k, moved to another city, paid ~600/month rent plus the unavoidable bills on top - no football channels or other subscription services at all. Scraped what little savings I could, got made redundant again, moved city again, got a new job paying a little over £30k, saved every penny I could, borrowed substantially from my dad's pension lump sum, and after many failed bids finally somehow managed to buy a tiny flat for under the home report value due to some sheer idiocy or negligence on the part of the seller. Even with the money I borrowed from my dad, I wouldn't have been able to buy at that point if I'd needed to go more than about £5k over home report.

Of course once you're on the ladder it's a cinch, but getting on it is a fvcking nightmare, even as someone who's never bought a car on finance, doesn't have subscription services, doesn't splash out on fancy clothes or big TVs (never spent more than £100 on one), upgrade my phone about once every 5 years, and just generally keep a tight grasp on the finances. The system is just rigged against first time buyers. There's a flat in my close, identical layout as mine, went up for rent this year for about 4x my monthly mortgage payments. How in the fvck is anyone supposed to save in those circumstances? Living with parents is not a luxury everyone has.

posted on 4/7/23

comment by WorkPermitPending (U1067)
posted 8 minutes ago
Some amount of either naivety or misplaced spite from one or two older people in this thread.

I'm a millennial, a homeowner for 7+ years, and fortunate to be so. I graduated and got my first job with a salary in the low 20s. Shared a studio flat with my girlfriend who was still a full time student, took the train to work, and managed to put aside a small amount of savings every month, but nothing drastic. Eventually used those savings after a few years to buy a ~£7k car. Started saving again, lost my job in a wave of redundancies, burned through my pitiful savings, got another job on still under 30k, moved to another city, paid ~600/month rent plus the unavoidable bills on top - no football channels or other subscription services at all. Scraped what little savings I could, got made redundant again, moved city again, got a new job paying a little over £30k, saved every penny I could, borrowed substantially from my dad's pension lump sum, and after many failed bids finally somehow managed to buy a tiny flat for under the home report value due to some sheer idiocy or negligence on the part of the seller. Even with the money I borrowed from my dad, I wouldn't have been able to buy at that point if I'd needed to go more than about £5k over home report.

Of course once you're on the ladder it's a cinch, but getting on it is a fvcking nightmare, even as someone who's never bought a car on finance, doesn't have subscription services, doesn't splash out on fancy clothes or big TVs (never spent more than £100 on one), upgrade my phone about once every 5 years, and just generally keep a tight grasp on the finances. The system is just rigged against first time buyers. There's a flat in my close, identical layout as mine, went up for rent this year for about 4x my monthly mortgage payments. How in the fvck is anyone supposed to save in those circumstances? Living with parents is not a luxury everyone has.
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Complaining but you admit that you DO have a TV and phone??

posted on 5/7/23

Guilty as charged, I also own more than one pair of shoes and on at least one occasion have eaten avocado.

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