Living with parents - minimal spending...

[Pauldo]

<div class='quotetop'>QUOTE(admin &#064; Jun 8 2006, 09&#58;11 AM) Quoted post</div><div class='quotemain'>
Why do people buy houses on a Mortgage and pay over 100% interest over the years? [img]style_emoticons/<#EMO_DIR#>/Erm.gif[/img]

Just rent, much easier, your not liable for the building, and if you end up with bad neighbours, hooded kids, etc, it&#39;s easier to move [img]style_emoticons/<#EMO_DIR#>/smile.gif[/img]

Property in the UK is a complete ripoff. Best renting, and saving the interest yourself to buy a 4 berdroomed ensuite with pool in the Phil for around £30,000 cash.
[/b][/quote]

But you pay rent for a lifetime and then walk away owning nothing [img]style_emoticons/<#EMO_DIR#>/huh.gif[/img]

Or, you pay a mortgage, at comparable monthly costs to rental (but decreasing, relatively, as years go by due to inflation) and end up with a house worth far more than you paid for it.

Then you sell it, buy a £30,000 palace in the PI and still have a hundred grand or more left [img]style_emoticons/<#EMO_DIR#>/biggrin.gif[/img] [img]style_emoticons/<#EMO_DIR#>/laugh.gif[/img] [img]style_emoticons/<#EMO_DIR#>/rolleyes.gif[/img]

[ginapeterb]

<div class='quotetop'>QUOTE</div><div class='quotemain'> I pay £20 board(rent? ehehe) a week, which when my gf comes here to live will only double. I save pretty much everything else, which then gets spent on support and plane tickets, save for my bus fares and general ingulgences of CD&#39;s and nights out every now and then...

Of course this will change once we are married and my then asawa is able to work, then the flat hunting will begin.
[/b][/quote]

So lets get this right Manila bound ? (put a name in for us) you pay your Mum £20.00 per week for your upkeep, sorry forgive me for [img]style_emoticons/<#EMO_DIR#>/biggrin.gif[/img] LOL, In the year 2006 I find that incredible, since that is what I paid my Mum when I was a young soldier in 1977, I would have to say you are one of the luckiest guys in the world, but I think you are getting ready for a rude awakening to life in the real world.

I love your next comment &#33;,

<div class='quotetop'>QUOTE</div><div class='quotemain'>This will all change when we are married and my then asawa is able to work, the flat hunting will begin. [/b][/quote]

I find this paticularly funny and forgive me for laughing, but I bet your Filipino GF is ecstatic at the thought of coming to UK on the basis that she will have to find work more or less straight away, I bet she can&#39;t wait for the joys of starting her life in the new country, on the basis that you will only be able to consider looking for accomodation once she is working, that immediately should start to worry you, as it would mean, you are unable to accomodate her, unless of course your Mum consents to her living at her house until such time as you are able to look for alternative accomodation.

There is nothing wrong of course with being accomodated in Mums house, I know of others who do this, but I think you are going to find that your expenses will increase more than an extra £20.00 a week, I think you need to take a look at the &#39;real life&#39; before you bring this girl to the UK.

The cost of accomodation in the UK, whether it be private rentals, or house prices, has sky rocketed, the average 2 bedroom rental is at least £650.00 to £700.00 in the South East, some are between £800.00 and £1000.00, I can&#39;t speak for the North as I have no idea what they cost there, but I Iny any event I wish you well with it.

Pete

[Philip]

<div class='quotetop'>QUOTE(ginapeterb &#064; Jun 9 2006, 09&#58;08 AM) Quoted post</div><div class='quotemain'>
So lets get this right Manila bound ? (put a name in for us) you pay your Mum £20.00 per week for your upkeep, sorry forgive me for [img]style_emoticons/<#EMO_DIR#>/biggrin.gif[/img] LOL, In the year 2006 I find that incredible, since that is what I paid my Mum when I was a young soldier in 1977, I would have to say you are one of the luckiest guys in the world, but I think you are getting ready for a rude awakening to life in the real world.

I love your next comment &#33;,
I find this paticularly funny and forgive me for laughing, but I bet your Filipino GF is ecstatic at the thought of coming to UK on the basis that she will have to find work more or less straight away, I bet she can&#39;t wait for the joys of starting her life in the new country, on the basis that you will only be able to consider looking for accomodation once she is working, that immediately should start to worry you, as it would mean, you are unable to accomodate her, unless of course your Mum consents to her living at her house until such time as you are able to look for alternative accomodation.

There is nothing wrong of course with being accomodated in Mums house, I know of others who do this, but I think you are going to find that your expenses will increase more than an extra £20.00 a week, I think you need to take a look at the &#39;real life&#39; before you bring this girl to the UK.

The cost of accomodation in the UK, whether it be private rentals, or house prices, has sky rocketed, the average 2 bedroom rental is at least £650.00 to £700.00 in the South East, some are between £800.00 and £1000.00, I can&#39;t speak for the North as I have no idea what they cost there, but I Iny any event I wish you well with it.

Pete
[/b][/quote]

Thanks for the semi-piss take of a reply and for keeping up your usual practice of putting people down with out full knowledge of a situation.

I&#39;m only asking for advice/help on how to present the comings and goings of my money&#33;

[ginapeterb]

<div class='quotetop'>QUOTE(manila bound &#064; Jun 9 2006, 02&#58;11 PM) Quoted post</div><div class='quotemain'>
Thanks for the semi-piss take of a reply and for keeping up your usual practice of putting people down with out full knowledge of a situation.

I&#39;m only asking for advice/help on how to present the comings and goings of my money&#33;
[/b][/quote]


Manila Bound, there is no point in being offended by my reply, most people on this site know me, they know I am one of the most helpful individuals ever to have come on this site, but as I said, you really do make me laugh, your outgoings would have to be presented like this:


Income £1200.00



Board to Mum £ 80.00



Disposable Income £ 1120.00



Based on the above, you should have no problems convincing the Entry Clearance Officer of your ability to support your wife without recourse to public funds, provided that your wife is able to live with you and accomodated at your Mothers home, i see no need for any concerns on your part.

I am mortified that you find my reply a semi- piss take, in fact, It was an honest appraisal of how I saw your post , because I found your grasp of the reality of life, a little hard to accept, £20.00 a week for your accomodation and expenses, seems to be out of touch with the cost of living in Toni&#39;s Kingdom, however, your post made me laugh, I am always honest on this forum, and will continue to be so, and as for your assertions that I do not know the circumstances, you&#39;ve already told us, " You live with your Mum and pay £20.00 per week" what could be more simpler than that.

If you are hoping that your Flipina Asawa is going to cost you another £20.00 on top, my question is this

Have you actually got one ? cos my experience tells me, that they cost an awful lot more than £20.00 a week, Courting and marrying a Filipina is not cheap, Ivor mark his card will you &#33;, John, Rob, Keith, Paul, Peter, will no doubt back me up, I may be wrong...no doubt you will correct me, but I still think you need to take a long hard look at the realities of bringing a Filipina to UK.

Room temp alone goes up substancially, increasing your heating bill in Winter, by 200 per cent, my electric bill doubled the last quarter because of the heating being on continuously at 25 degrees, when it was nice and warm outside.

Food bills alone will go up, Filipinas have to have their own food, that might mean you and your wife having seperate meals, hmmmmm I can think of one Filipinouk member who told me this is true, its certainly true in my case.

Costs of extra phone calls, calling cards, to Philippines, when they want to call home, £10.00 a shot, twice a week is £20.00.

New Clothes for Winter, jumpers, boots, etc etc, and the list goes on &#33;&#33;


So £20.00 a week hmmmmm need to do your sums again..&#33;&#33;&#33;&#33; ang kuripot mo &#33;

[Philip]

<div class='quotetop'>QUOTE(ginapeterb &#064; Jun 9 2006, 02&#58;35 PM) Quoted post</div><div class='quotemain'>
So £20.00 a week hmmmmm need to do your sums again..&#33;&#33;&#33;&#33; ang kuripot mo &#33;
[/b][/quote]

First of all, apologies for that post, rough day at work and all. [img]style_emoticons/<#EMO_DIR#>/Doh.gif[/img]

My first post mearly shows what I have to pay &#39;at the moment&#39; for my own &#39;keep&#39;, I am fully aware that in &#39;real life&#39; things are very different... You&#39;ve made an assumption and jumped on it.

Since late 2004, most of my money has been spent supporting my gf, helping with their rent, the costs of visiting the Philippines etc... so I am aware of how expensive things can be, I am under no illusion that all I&#39;ll need is to pay an extra £20 a week once she is here&#33;&#33;&#33; [img]style_emoticons/<#EMO_DIR#>/blink.gif[/img]

I dont see anything wrong with waiting till my gf is settled here before finding a place for us to live if my parents, gf and myself are happy with the situation&#33;

[ginapeterb]

<div class='quotetop'>QUOTE(manila bound &#064; Jun 9 2006, 03&#58;05 PM) Quoted post</div><div class='quotemain'>
First of all, apologies for that post, rough day at work and all. [img]style_emoticons/<#EMO_DIR#>/Doh.gif[/img]

My first post mearly shows what I have to pay &#39;at the moment&#39; for my own &#39;keep&#39;, I am fully aware that in &#39;real life&#39; things are very different... You&#39;ve made an assumption and jumped on it.

Since late 2004, most of my money has been spent supporting my gf, helping with their rent, the costs of visiting the Philippines etc... so I am aware of how expensive things can be, I am under no illusion that all I&#39;ll need is to pay an extra £20 a week once she is here&#33;&#33;&#33; [img]style_emoticons/<#EMO_DIR#>/blink.gif[/img]

I dont see anything wrong with waiting till my gf is settled here before finding a place for us to live if my parents, gf and myself are happy with the situation&#33;
[/b][/quote]


ok Manila bound I hear you, we all have crappy days at work, tell me about it, no problem, I congratulate you regarding sending sustento for your Girl and her family, that is very responsible of you, I dont see anything wrong with staying at your parents, etc, before doing this, maybe I got the wrong end of it as well, hope that works well, what stage are you at with the visa etc, or have you married as yet ?

Best wishes

Pete

[Philip]

<div class='quotetop'>QUOTE(ginapeterb &#064; Jun 9 2006, 03&#58;15 PM) Quoted post</div><div class='quotemain'>
ok Manila bound I hear you, we all have crappy days at work, tell me about it, no problem, I congratulate you regarding sending sustento for your Girl and her family, that is very responsible of you, I dont see anything wrong with staying at your parents, etc, before doing this, maybe I got the wrong end of it as well, hope that works well, what stage are you at with the visa etc, or have you married as yet ?

Best wishes

Pete
[/b][/quote]

The financial side of things is what worries me most, hence my uber-tired over reaction&#33; [img]style_emoticons/<#EMO_DIR#>/biggrin.gif[/img]

So, perhaps it would be good to show in the out goings, the amount I send abroad each month or are they more interested in how the money will be spent once my gf is here?

We are planning on applying for a visa this winter, ie; when ever royal mail allows me to escape the uk for 3 weeks, but we aren&#39;t married yet.

[img]style_emoticons/<#EMO_DIR#>/66.gif[/img] Cheers&#33;

[Eljohno]

<div class='quotetop'>QUOTE(Pauldo &#064; Jun 8 2006, 09&#58;51 PM) Quoted post</div><div class='quotemain'>
But you pay rent for a lifetime and then walk away owning nothing [img]style_emoticons/<#EMO_DIR#>/huh.gif[/img]

Or, you pay a mortgage, at comparable monthly costs to rental (but decreasing, relatively, as years go by due to inflation) and end up with a house worth far more than you paid for it.

Then you sell it, buy a £30,000 palace in the PI and still have a hundred grand or more left [img]style_emoticons/<#EMO_DIR#>/biggrin.gif[/img] [img]style_emoticons/<#EMO_DIR#>/laugh.gif[/img] [img]style_emoticons/<#EMO_DIR#>/rolleyes.gif[/img]
[/b][/quote]


I agree with what you say as you could pay rent for years but end up with nothing to show for it.

More and more people over here are buying houses just to rent them out and using that as their pension.

Where i live in N.Ireland my city is the most expensive place to live and the house prices have gone up by 44% in the last year according to a recent survey.

A guy i know owns 4 houses and rents 3 of them out and i would guess he has already made a few 100,000 profit just in the last 5-10 years.


john