reply to post by mcsandy
Sorry for the delay but have just got back to this thread.I can't speak for other countries [laws
customs etc.] so bear that in mind to my reply here!!
Yes i am aware there are a lot of repossessions at present, but some of it imo is self inflicted
by this i mean people overstreatch themselves and also take on too much debt. There seems
to be a lack of patience [i want it and i want it now attitude]
I come from a generation that didn't buy what they couldn't afford!.........My first property was a
small terraced flat, with outside toilet and a covered bath in the kitchen, furniture was other people's
cast offs, 'make do' and 'do without.' I worked and saved and with the help of a government grant
lost a small bedroom to obtain indoor 'conveniences'..............about 10 years later sold it and
bought a semi. Shortly after this i got divorced and had to buy my now ex.husband off the deeds.
So that made things very tight for a long time. Mortgage repayments had first dibbs on my
income, next was all bills and utilities and lastly, beans, egg and cheese on toast were the
order of the day
.............Time went by got promotion [ extra income] Kids grew up and left
home, so sold up and moved to present SMALL detached bungalow.
All the while when things were going well i could quite easily have overstreatched myself but
there is a degree of contentment to living within one's means.
Now to cars....... mine is a small one, therefor cheaper to run and insure [and one careful lady
owner usually insures a premium price when selling
] I have often been tempted to have a
bigger, flashier soft top
.............but wth it gets me where ever i want to go. I always buy
new as knowing nothing about mechanics i don't wish to buy another's problems. And yes
petrol is a ridiculous price so i plan my expeditions precisely killing two birds with one stone
and fitting in s many job's and visits in the one journey!
....There is NO option to not paying taxes. Here in the UK we have PAYE
[stands for pay as you earn] and it's deducted off your salary before you even get it!!
Yes i have been burgled [three times] and much stolen, insurance covered my losses.
Here in the UK we need a licence for a gun, so i don't have one so i can't go to prison for
shooting a burgler! I am now well alarmed up so a loud alarm alerts my neighbours that
all is not well at my abode.
Nobody can claim my property as it is registered to me at the national land registry and my
bank holds the deeds.
edit on 27-1-2012 by eletheia because: (no reason given)