What's made you grumpy today?

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What's made you grumpy today?

I see! That 1st sentence sums up how I was able to get my mortgage!

With regards to you renting it out to contractors who don't stay in a home for long, that's fair enough. What makes my blood boil is when someone buys a property that a sensible person might manage to get a mortgage for, and then takes full advantage of those whom are unable to save up a deposit for a mortgage. That is what my issue is.
 
I see! That 1st sentence sums up how I was able to get my mortgage!

With regards to you renting it out to contractors who don't stay in a home for long, that's fair enough. What makes my blood boil is when someone buys a property that a sensible person might manage to get a mortgage for, and then takes full advantage of those whom are unable to save up a deposit for a mortgage. That is what my issue is.

Slightly contradictory statements there.

You can't slate the Landlord who buys a house, and accuse them of taking full advantage of someone who is not going to buy that house anyway :bang:

My wife and I rent, for the reasons above, If we need to move for work then we are not tied to a property.

However we are perfectly capable of affording our own property and so I've considered for a long time buying some small properties (one or two) to let out. This would mean I would be putting money into something that could in effect be paying my rent and with a small mortgage leave me with an asset that I could sell later or can continue to earn me money.
We all have to earn money to live, I really annoys me when people condemn someone else for earning a living.
 
If you prefer the extra flexibility of renting, and are quite happy to pay the higher monthly price, then that's up to you. However, a lot of people rent purely because they aren't able to get a mortgage, as much as they might wish they could, especially people around my age. They then have no choice but to pay the extremely high price, which then scuppers any chance they might've had of being able to afford even a modest property.

And we do indeed all have to earn money to live, however, some of us choose to make others pay for our greed.
 
To be fair, I think a lot of younger people have very unrealistic expectations in life.

They live at home, moaning they can't afford a house...

But they have a shiny leased BMW 1-Series / Audi A3 / Mercedes A Class on the drive, go out every weekend and have expensive phone contracts etc.

They also have unrealistic expectations they're going to buy a shiny new 'executive' home with 4 bedrooms and space for a hot tub in the garden.

When we first got married, I had a grand's worth of Mk4 Escort, she had a Mk2 Fiesta rotbox. Our first place together was a 1 bedroom flat. But it was ours and it got us on the ladder.

Younger generations just don't seem to appreciate they need to live frugally and buy a true starter property, rather than have all the trappings of middle-class, middle-aged life in their early 20s.

(There's a lad over the road from us in his 20s, still living with his parents, but with a 66 plate C-class coupe outside the house - my parents would have gone utterly nuts if I was living at home at that age with a £20k car)
 
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I would completely agree with you. I believe that my generation have completely forgotten how to be content, whereas it is my personal opinion that if you do have that ability, life is better, and you can achieve far more.

I'm currently 28, I bought my 2008 Grande outright back in 2014, I'm on PAYG, and have always paid about a tenner a month for my phone usage, and have always been sensible with my money which allowed me to save up a hefty deposit, which in turn, enabled me to get a mortgage. I have a 1 bedroom flat, and I'm extremely happy with it. I know that a lot of people my age would be appalled with that lifestyle, and I've got to be honest, I do pity them, as they'll never know what it's like to be content.
 
I would completely agree with you. I believe that my generation have completely forgotten how to be content, whereas it is my personal opinion that if you do have that ability, life is better, and you can achieve far more.

I'm currently 28, I bought my 2008 Grande outright back in 2014, I'm on PAYG, and have always paid about a tenner a month for my phone usage, and have always been sensible with my money which allowed me to save up a hefty deposit, which in turn, enabled me to get a mortgage. I have a 1 bedroom flat, and I'm extremely happy with it. I know that a lot of people my age would be appalled with that lifestyle, and I've got to be honest, I do pity them, as they'll never know what it's like to be content.

I think a lot of people of your age would be very happy to own their own home. They might not pick the same house as your or pick the same car as you, but that doesn’t mean they would be appalled by what you have. They might be mean about what you have but it doesn’t mean people wouldn’t be jealous to be in your position. You also wouldn’t have your flat had you not aspired to having it, if you’d not saved that money and has you not worked hard with that goal in mind, so you could equally say you have been in their position, not content or happy with what you had, you also say you made sacrifices to buy your home, cheap mobile phone, and not been frivolous with spending, this suggests you feel you have forfeited things to get what you wanted, ie you have missed out.

Other people much younger than you have children and would not be able to get by with a 1 bedroom flat or would not be able to manage a family in a small car (dunno if yours is a 3 or 5 door, but there is no way a family of 4 would manage in my 3 door evo) what you have to remember is content isn’t just having what you want now, if someone doesn’t want what you want it doesn’t mean they are not content and is also doesn’t mean you should “Pity” them, everyone is plodding through life and doing what they need to do, and getting the things they need to.

At 28 if you are to say you have achieved everything you ever wanted from life and that you are “content with what you have” I find quite sad. Means you might as well give up now you have nothing else to do with your life. I think anyone could equally make a case that, that’s something to pity. At your age I would argue I had the biggest turning point in my life and I was selling my flat, divorcing my (at that time) wife and quitting my job. I had everything you profess to be content with now and more but was still not happy. I went back to university, moved back in with my parents and started new relationships. I can tell you from first hand hard learned experience where you live what you own and how much your phone contract costs, means nothing to nobody.

I see things very differently to you, I see repeatedly on this forum that you like to talk about what you own and what you have and you like people to take notice of what you’ve achieved but if someone was to do that to you, then you like to put them down in one way or another, either they have not achieved as much as you, or they are over achievers not content with making do with what they have. and therefore are something worth pitying.

So while I agree with the statement as made, there are people who will never know what it’s like to be happy, and content. it is quite offensive, obnoxious and condescending to hold yourself in such high regard as to “pity” someone for not wanting what you have, without any thought for their reasons.
Anyone here could do exactly the same to you, “I pity your for not buying a 2 bedroom flat” or “I pity you for not having a 2009 punto”, and literally any argument you could make to say why you are happy with what you have I could easily turn into a reason to suggest someone should ‘pity’ you.

If you do this in the real world, I can see how you would very easily get people’s backs up, and find yourself the target of ridicule or abuse.
Literally the best thing you could do is quit worrying about what other people have or want, and realise that it doesn’t matter to anyone else but you, what you have or want.
 
Let me put you right on a few things:

I do not feel I forfeited or went without anything to get my own home. I still did everything I wanted to do, whilst saving up the deposit, and when I got my current job which pays a useful annual wage, I looked into buying a flat, and was successful.

The people I pity are those that are blinded by brand names/price tags. I guess I perhaps should have made it clearer, but what I meant when I said about not being content was referring to those materialistic individuals who are always trying to "keep up with the Jones' " and whom judge other people on what they own or the size of their home, etc. I feel like a large proportion of my generation fit into that category. Not all, I hasten to add.
 
Let me put you right on a few things:

I do not feel I forfeited or went without anything to get my own home. I still did everything I wanted to do, whilst saving up the deposit,

That’s not what you said above.

The people I pity are those that are blinded by brand names/price tags. I guess I perhaps should have made it clearer, but what I meant when I said about not being content was referring to those materialistic individuals who are always trying to "keep up with the Jones' " and whom judge other people on what they own or the size of their home, etc. I feel like a large proportion of my generation fit into that category. Not all, I hasten to add.

You seem to think anyone who wants something other than what you have is materialistic. If someone wants an Audi for example, you have been very vocal in the past in saying someone only wants an Audi to somehow be ‘better’ than everyone else. Some people just want an Audi because they want an Audi. Some people want a bigger house because they have bigger needs.

Someone might say your flat is too small for example or not in the right area, then again they will have their own agenda not necessarily based on keeping up with the Jones’s, but maybe based on a plan to have children, on the size of furniture they already own or on a location near family, schools or amenities.

I have a £430 Ted Baker coat at home... (this is not meant to be a boast by the way) I stupidly tried this coat on when in London one day and fell in love with it, however there was no way I could justify spending £430 on a coat, so I didn’t buy it. I then spent the next year, trying on virtually every coat that was of the same design by every other designer, shop and outlet to get that same style but not spend £400+. Non of the ones I tried I liked, there was something about the material of the ted baker version that I loved. So I gave up. At Christmas time (just gone) I was at a ted baker outlet and they had some of these coats massively reduced as they where now end of line after a year at £170. I tried it on, ummed and erred and eventually left the shop. I thought about it for another hour while walking around the rest of the shopping centre and decided I should get it, at this point I had wanted that coat for a year. So I bought it £170 is not an unreasonable amount for a winter coat, and I absolutely love it. To anyone else I’m walking around in a £400+ coat and it’s up to them if they want to think I’m doing it for the label or to keep up with some imaginary Jones’s the real reason I bought it is because I loved it and that’s what I wanted and had wanted for a year, I tried on more expensive coats I didn’t like, the brand had nothing to do with it. I also have Adidas and Nike trainers, I bought them because I liked them and in the case of the Nike ones are designed for my foot shape and arches when running, not because I cared what other people thought of them. The Adidas ones are unbelievably comfy, seriously, seriously comfy (try Adidas Münich if you can find them your feet will thank you) everyone’s lives are full of Brands doesn’t mean they are blinded by them. This is very much an assumption and judgement you make about other people. You, yourself are making judgements of other people based on what they own or the size of their house.
As the old saying goes, “people in glass houses shouldn’t throw stones”
 
1.8m posts for Grumpy or not smiling....

Only 836000 posts for smiling.

You grumpy b******s!! That's it if its good enough for all you 1.8million grumpy posters I'm for safety in numbers so I'm grumpy.

Trouble is I AM a grumpy old ***t!

That’s views, it’s 10,050 posts for being grumpy and 1.08M views (so out by 700k)

And 8,100 posts for smiling and 836k views (y)

Getting numbers wrong makes me grumpy lol ?
 
1.8m posts for Grumpy or not smiling....

Only 836000 posts for smiling.

You grumpy b******s!! That's it if its good enough for all you 1.8million grumpy posters I'm for safety in numbers so I'm grumpy.

Trouble is I AM a grumpy old ***t!

That's the number of views ;)
The number of posts is less than 2,000 different (y)
 
Now I've had a rant about coronation street and emmerdale car crashes before on here (my wife watches them). But ffs...it's just lazy writing also last night a Golf with autonomous braking sailed into the back of another car..I've driven one of these..it refused to move because there was big dandelion in front of the sensor.

Almost as bad as all the 14 and 15 year old 4x4s in line of duty having 66 plates in them..
 
I don't watch the program but my wife does, walked in the other day to see an old range rover sport on a 66 plate and was very confused.

The main gang also has Mk1 pre-facelift BMW X5s..a car that went out of production in 03...on 66 plates as well. Oh and the first dramatic scene..featured a Mazda Demio/2 a car again from early 00s..on a 66.

This sort of stuff probably more telling about my level of OCD than anything else but distracting as hell.
 
My recycled U-boat gas thrown another bill at me.

Door lock has stopped working.

Of course, this is after the car has gone into sleep mode, so I can’t get into it now!

So... the list of stuff needed.

2 window regulators
Driver’s door lock
2 oxygen sensors
Torque converter lock-up solenoid

Any guesses as to the cost of all this? I’m dreading it.
 
My Mk3 Passat did that to me when the door locks froze. It's never cold in Germany of course. I was able to get in via the passenger door emergency lock. No point in swapping it to the right for us skinflint UK drivers. Of course not.

I got the car going but had to drive a fair few miles with a bungee cord to hold the door shut until the interior was warm enough to defrost the lock.
 
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