Youtube comments of (@andlalanda6202).

  1. On the weather point, I personally prefer the cold weather and actually one of my complaints is that I find the weather too hot throughout most of the year lol. One of the reasons I'm happy to be moving further North for first home is on average its 3 degrees colder. On the holiday point, for most full time workers, they will be entitled to more than 21 days. The catch is that you have no absolute right to choosing those days off, and often 8 of those days in England & Wales, will be Bank Holidays where your employer chooses those days for you. Bank Holidays in England & Wales are not considered statuary, so you can be asked to work those days as well in most circumstances. Most full time workers are entitled to 5.6 weeks, which means 28 days per year, and that is **statuary paid holiday**. (btw to calculate your statuary time off times the number of days you typically work by 5.6. So if you work 5 days it would be 28. Cheers!)
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  2. This is very frustrating having to re-write a comment, because YouTube or whatever decides to gaslight me and remove stuff. Either that or I am losing the plot. In any case I wanted to provide to provide a correction to the point made in 13:46. If you are working Minimum Wage you would only make £300 a week in a situation where you are working 26 hours. Since the MW for 21+ year olds is £11.44 a 40 hour week would yield £457.60 or over 52 weeks (48 worked, 4 statuary paid), that's £23,795.20 a year. Taking into account taxation & NI etc your take home would be £20,653.94 a year or £397.19 a week. I also wrote about my home buying experience but cannot be bothered to recount it in full. But essentially you'll have an easier time if you have a higher income and if you are willing to buy a more affordable home further away from a major city.
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  3.  @lifestylebypete  Haha, it's probably not you, I've just found the way comments work on YT is often stuff disappears, and you start to ask what the point is if you get filtered out xD This is true the situation is fairly bleak if you have a lower income and/or you insist on buying within a city. To add some context the home I am buying is for 120k. Getting the mortgage isn't so bad because my income is 43k. I think with the banks they take into consideration the value of the property relative to your income. I am told that for a long time the value of a home was about 3-4 times salary, whereas now it's about 10x it, and this is probably why people are having a hard time. Keep in mind in 2008 there was the financial crash, and they started to heavily regulate mortgages since then, though I've heard the current Administration may be seeking to relax these soon. Even in my case with a 43k income. Say I wanted a home in my hometown, a 2 bed terraced would be about 260k let us say. Even if I put down 60k I would not be able to borrow enough from the banks to pay it. Another reason I don't want to borrow 200k anyways is because the costs are so high each month and I want to secure myself against defaulting as much as possible. I don't know you or your channel but I wish you, and your family, all the best for your future ♥
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  4.  @StevenJohn91  been out the local. Had a really good night chatting with people. In any case my experience with the solicitors and estate agents if I got it right I won't ever have to buy or sell a house again. I don't deal with the periods of waiting, maybe too neurotic? Good luck getting your place. We had no chain and it's a FTB and borrowing 65k. Still took 111 days if the purchase goes ahead next Friday.
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  5. I failed two practicals and the stress and misery involved caused me to give up. The truth is the guilt from the money my mother was spending, generalised anxiety in a car, and so on wasn't worth it for me, and I'm 29 and still don't have a driving license nor do I want one. The truth is that what you do and achieve isn't important, unless it is important to you. If you want to drive, if you want to be fit, if you want to get a degree - then go for it, but the mistake many make is doing things because they assume it's the right thing because they se eothers doing it. The way to look at it, is that the only thing you can experience is today, and the only thing that exists therefore is today. If you want to start something, then you should do it today, and in the worst case say "I will try again tomorrow" because that is better than "I will do it tomorrow". Habits lead to growth, but that growth begins in taking ownership of the 'today'. There is no past anymore, so what you can do today is all that counts, and tomorrow next comes because it is always in the future. Make sure you don't just like the "sound" of being something, like an artist, of a musician, or a streamer or whatever. Part and parcel of that, is also the hard work and a lot of failure. You cannot have only the good. You must take the good and the bad together and embrace it.
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  6. Currently in the process of buying my first house, moving over 100 miles away from my hometown because I wanted a big deposit and cheap home so now my mortgage is only just over £400 a month. Basically means that if I end up on a okay wage of '£22k' a year lets say I can still pay all my bills without worrying. There's a lot of doomerism on the net. I think young people being CONSTANTLY told "you will never buy a house" leads people to a lot of reckless spending because saving is no longer the goal, spending becomes the target, so they throw it all away on booze, drugs, designers clothing and getting food delivered etc. I set myself back a few years through my irresponsibility but in the end I got where I needed to be as I approach 30 and I'm glad you managed the same.
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  7.  @StevenJohn91  Thank you. To elaborate it came down to risk appetite. I could definitely borrow 200k to buy a terraced house in my hometown, but for me the £1-1.2k monthly payments, as a single earner just isn't worth it. The ironic thing of course is that I'll probably be happier in a bigger house in the town with countryside surrounding. To be honest I do make a good wage and I did stay at home with my parents for the last 18 months, but absolutely you don't need to be making crazy wages. To copy-paste what I wrote elsewhere: "If lets say you're on £22k you take-home is about £1,600 you can pay £400 to your parents and £200 to go out for drinks a month. Stash away £1k and after 5 years you'll have £60k in deposit." You may be able to do something similar in a house-share if that's not an option, but ultimately it's all about what you want. I actually lurk a bunch of financial advice stuff over the years (I started planning to buy a house about March 2022), but the interesting thing is that there are a lot of people who earn insanely good money, but basically cannot get anywhere because they've gone all-in on nice cars and a dream house too quickly. There are cards you can use to stack the deck: living with family, dual-income with a partner, not dealing with a car or kid, but I think the idea that you need to sacrifice your whole life to get comfortable is just a bit misguided. I think the people who are really struggling are the ones who aren't able to get full time work, my boyfriend who lives in the midland being one of them. Hopefully that improves for him at some point though, as much as people like to talk about benefit scroungers, being stuck indoors all day without any obligations actually starts to get really boring/depressing after a while lol
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