Anyone felt the pinch yet?

Notice a good proportion of my hotels are quiet this week. But with the jubilee round the corner and pride the week after maybe folk are simply saving their trips for that.

Cant help but feel the media are driving a lot of it. They seem hell bent on us heading into a recession. Making people panic and stop spending.

They should be telling everyone its all gravy.

Only area Ive felt it is diesel. £154 to fill my van the other day. That's taking the piss.

23 minutes ago, Spider said:

“I struggled so you should too or it’s NOT FAIR!!!”

Its often said that our generation had it easy. I’ve tried to point out that it was bloody hard. Now you’ve turned the argument around. 🤷‍♂️

Our 1st house was £52k and I earned £12k. The missus was a trainee nurse and made £5k doing bank shifts. We had a 100% mortgage. We aren't seeing those days again.

1 hour ago, Winchester White said:

Well.

I got as far as point 10 and couldn't take any more, sorry.

Point 1 and 2, the biggies...

1 happened while we were still under EU rules, even acknowledged in the article. Also folk seem to forget that jabbing folk a few weeks earlier than others didn't actually matter, it was getting to mass vaccination rates that mattered and in the end most western countries ended up fairly similar.

2 is also something allowed in the EU, again in the article. Why did we not have Freeports sooner? It's almost like they are scrabbling around for something to justify Brexit.

The rest is the usual low regulation libertarian nonsense that ignores what the majority of the population actually wants and puts the interests of business above all else.

The EU is far from perfect of course and things like fishing quotas and CAP were not ideal for the UK but overall we were better off in than out.

Well done for giving it a go, it seems that you’ve come down from shit show to a more calm place, which is where I generally find you.

Edited February 4, 20233 yr by globaldiver

45 minutes ago, Winchester White said:

Our 1st house was £52k and I earned £12k. The missus was a trainee nurse and made £5k doing bank shifts. We had a 100% mortgage. We aren't seeing those days again.

Again it’s difficult to compare. Interest rates change so lending criteria changes. In the 70’s at the time of my first mortgage, they would lend 2 1/2 times my salary plus 1/2 my wife’s. Sounds crazy now but that’s how it was. 

Edited February 4, 20233 yr by BobyBrno

18 minutes ago, globaldiver said:

We’ll done for giving it a go, it seems that you’ve come down from shit show to a more calm place, which is where I generally find you.

Might change a bit once he's learned about partially defatted cricket powder and the sole contract of supply agreed by the EU.

Then again...

8 hours ago, Cheese said:

Deary me. So sad to see decent blokes like yourself going down these rabbit holes.

Sometimes you have to mate. It’s an area/issue that really rankles

16 hours ago, MickyD said:

Oh yes, I forgot we built dens as kids pretending to be homeless or African.

That's made me laugh far more than it should have

Edited February 4, 20233 yr by Sweep

1 hour ago, Winchester White said:

Our 1st house was £52k and I earned £12k. The missus was a trainee nurse and made £5k doing bank shifts. We had a 100% mortgage. We aren't seeing those days again.

I think we were on about 20k between us, though i could do overtime

Averaged about 65 hours a a week in the year leading up to getting the house/married so an extra 10k

House was 40 and after 3 years, sold for 37

We had one car and i used a pushbike if i wasnt on nights

And we had us little heads painted purple

10 hours ago, Casino said:

She will be reet but shes lucky to live in the N of the country

How do you do that in the SE

Like some of my mates have....wait for a relative to peg it, so you have a chunk for the deposit and then take it a 35 year mortgage..... 35 years! 

1 hour ago, Whitesince63 said:

Yet another brainless comment from the one who thinks he’s soooo clever. Why don’t you just try, just for once, to respond with a half intelligent comment instead of constantly proving how thick you are?

IT WAS A FUCKING JOKE FOR FUCK’S SAKE.

Welcome to the satirical world of Wanderersways.

8 hours ago, BobyBrno said:

Difficult to compare. People like to though. One thing I’d point out from your post, must people didn’t jump on the ladder at average price range. Started low and worked their/our way up. Most people also had joint mortgages with partners. Everything I see nowadays, is individuals complaining. I never knew any Individual who bought a property on a single salary when I was younger. 

Most people don't jump on the ladder at the average price now either. Hence these shite apartment blocks popping up everywhere.

Not sure where you've got that idea.

I know a couple of single folk of my age who bought when we were buying, but I take your point. 

Also chuck in the lack of social housing, especially in London. That's another issue.

Edited February 4, 20233 yr by mickbrown

1 hour ago, Tonge moor green jacket said:

Might change a bit once he's learned about partially defatted cricket powder and the sole contract of supply agreed by the EU.

Then again...

Powdered crickets in my flour!?  Those crazy Europeans, so glad we won't be forced to eat insects now.

Yeah just single people moaning...

My and my mrs earn a very healthy amount we can't even think about saving for a deposit down here. Not a chance with the rent we have

BB is being a bit dismmisive, but thats probably because he feels he's defending how hard it was for him. Which is fair - no one was saying it was streets paved with gold and free houses for all when he was starting out, but we have to acknolwdge there is a real issue for people trying to buy their own houses and its not going away. Younger people aren't just complaining for the sake of it, or wanting a three bed house from the get go. They'd just like to see some sort of progression. 

 

 

2 minutes ago, Not in Crawley said:

Yeah just single people moaning...

My and my mrs earn a very healthy amount we can't even think about saving for a deposit down here. Not a chance with the rent we have

BB is being a bit dismmisive, but thats probably because he feels he's defending how hard it was for him. Which is fair - no one was saying it was streets paved with gold and free houses for all when he was starting out, but we have to acknolwdge there is a real issue for people trying to buy their own houses and its not going away. Younger people aren't just complaining for the sake of it, or wanting a three bed house from the get go. They'd just like to see some sort of progression. 

 

 

I’m fairly sure, some time ago the bean counters at the government announced a change in mortgage rules where, and I paraphrase; if you could prove an ability to pay £x amount as rental on a property with no missed payments then it’s fair to assume you would be low risk for a low deposit mortgage and therefore pay towards owning your own house rather than paying off the mortgage for some rich  fucker to own it.

What happened to that school of thought? Did they then decide they didn’t want to piss off the rich fuckers for whom having other folk paying off their mortgages is a thing.

The housing bubble has made a lot of wealthy Britons.

That they act like they’ve grafted their arses off for it is fucking hilarious. 

Its not the poorest the cost of living crisis is affecting the most.

It's middle income households and people trying to run businesses.

Small businesses are being strangled to death.

26 minutes ago, Spider said:

The housing bubble has made a lot of wealthy Britons.

That they act like they’ve grafted their arses off for it is fucking hilarious. 

Again a little misleading. It would be interesting to see how much people paid in interest payments when rates were high ie in the 90’s compared to people over the last 15 years when rates were low. Property rich doesn’t put food on the table. It ensures our offspring get a healthy inheritance.

2 minutes ago, BobyBrno said:

Again a little misleading. It would be interesting to see how much people paid in interest payments when rates were high ie in the 90’s compared to people over the last 15 years when rates were low. Property rich doesn’t put food on the table. It ensures our offspring get a healthy inheritance.

Property rich remortgage does

Just now, Spider said:

Property rich remortgage does

So a remortgage is debt? So not wealthy.

1 minute ago, BobyBrno said:

So a remortgage is debt? So not wealthy.

It’s capitalisation.

Semantics really.

57 minutes ago, BobyBrno said:

Again a little misleading. It would be interesting to see how much people paid in interest payments when rates were high ie in the 90’s compared to people over the last 15 years when rates were low. Property rich doesn’t put food on the table. It ensures our offspring get a healthy inheritance.

But we were paying higher interest on a much much smaller amount and that's up here, fuck knows how ordinary folk afford a house in London. 

18 minutes ago, Winchester White said:

But we were paying higher interest on a much much smaller amount and that's up here, fuck knows how ordinary folk afford a house in London. 

Parents as far as I can see. That and moving further and further out.

Or they don't and you've got 35 year olds still living at home.

1 hour ago, gonzo said:

Its not the poorest the cost of living crisis is affecting the most.

It's middle income households and people trying to run businesses.

Small businesses are being strangled to death.

It's tough, we're doing OK at the moment, but we have some clients from a rather rarefied status and middle class audiences are still attending.

Although, sad news this week but Oldham Collie is shutting its doors. One of our tours will be it's final show.

 

4 hours ago, Winchester White said:

Point 1 and 2, the biggies...

1 happened while we were still under EU rules, even acknowledged in the article. Also folk seem to forget that jabbing folk a few weeks earlier than others didn't actually matter, it was getting to mass vaccination rates that mattered and in the end most western countries ended up fairly similar.

It seems fair enough to me to claim that as a Brexit benefit

Despite the legalities, it's a very safe bet that we wouldn't have pursued our own vaccine strategy if we hadn't have effectively handed in our notice

And obviously vaccinating the most vulnerable as early as possible, even if only a few weeks earlier, mattered

6 hours ago, Lt. Aldo Raine said:

 

Despite the legalities, it's a very safe bet that we wouldn't have pursued our own vaccine strategy

But

We couldve done