One Day Like this

Song -

Elbow - One day like this.


Only people who work with me may realise the significance of this song. :)

So, whats been my mission over the past 2 days ?

Getting a house.

I'm 23, bearing like an ethopian on PF Changs buffet on 24. Its getting closer, my hair is getting greyer, and i'm getting grumpier by the day, lord knows, i'll be doing "I don't believe it" in no time.


So whats made me particuarly grumpy today...... the process of buying a house.

I'm informed many years ago, when there was 2 moons, and dinosaurs like Jimmy Saville roamed freely, you approach Mr Bank manager with wife i tow/being towed, and you said.

I earn x amount, wife earns y amount, and they give you z amount.

Now, i've been informed on many occasions that this led you to eat a diet of primarily mince and onions for the forseeable future, with the only entertainment to lead the thrilling adventures of robinson crusoe under the moonlight, because you couldn't afford to turn the 35 watt bulb which hangs over your head.

So lets say for arguments sake, you earnt £5k a year, you could borrow (In a round aboutish figure) £15k. And paid it back at a rate of so much a month. Which in days gone by, may have bought you a similar property to the Mr Mital Kensington Palace residence.

But now its so much more complicated it seems, and the main reason for this is, NO-ONE can afford to be a first time buyer, unless you want to bend over and truely pay for it through the enameled calcium between the gums.

Take for instance a £100,000 house, the depoist for this house, at the standard 25% percentage value of property rate would be £25,000.... And heres my points, a £100,000 house should be in the reach of most people income bracket, partiucarly if living with the t'other half.

But not a soul that i know would even come close to this deposit required. Even with a few years saving.

So who can afford these houses ? One simple answer could be taken from medieval times, the evil Sherriff of Nottingham.

They have the money for the deposits, there houses are already paid off, which leads the fact that they can get some of the less fortunate people to rent the house, and effectivley pay the mortgage off for you, actually making his children obscene amounts of money over the course of their lives.

So thats whats made me grumpy, from all the rich bankers that royally fucked over the banking system, and therefore all the trust paid in it. They're the ones that can make the money off the poor by renting the houses that they can't afford back to them.

Its wrong....

Plain Wrong..

"Meh"