Woooooooooo
just had a phone call from the mortgage people. House has been valued and is worth only a little less than it was before!

Huzzah! this means I can remortgage!
( Vipros. clever got me this far, then tricky got me in, Mon 17 Aug 2009, 14:07, 19 replies, latest was 16 years ago)

Turn up the smugometer.
Does it go up to eleven?
( girlinthehole, Mon 17 Aug 2009, 14:14, Reply)

it does
but this isn't smugness, it's relief. I was worrying about it a fair amount
( Vipros. clever got me this far, then tricky got me in, Mon 17 Aug 2009, 14:16, Reply)

I'm going to use my only post today to call you a smug cunt
YOU SMUG CUNT.
(PsychoChomp, Mon 17 Aug 2009, 14:23, Reply)

thanks chompy
I knew I could count on your support
( Vipros. clever got me this far, then tricky got me in, Mon 17 Aug 2009, 14:24, Reply)

That's good to know
I've got another three years before I have to worry about such things.
(Bazongaloid, Mon 17 Aug 2009, 14:25, Reply)

I had been wishing we'd fixed for 5 as ours has run out at almost the worst time
with my gf having had to take a paycut and stuff, but we've fixed for another 2.5 years at only slightly higher rate, so it's a big relief. The variable rate we would have got wasn't very good to start with, and I can see them rising in the not too distant future.
( Vipros. clever got me this far, then tricky got me in, Mon 17 Aug 2009, 14:28, Reply)

Lucky lad, v pleased for you
My flat is worth a little more than it used to be but only a fucking lunatic would let me remortgage. I can't even afford the bus to get to the bank to apply...
( Monty Boyce, My cheese game is strong, Mon 17 Aug 2009, 14:30, Reply)

that's one thing that keeps me going
we at least have a nice house, I shudder to think what has happened to the value of the flat we sold. we made a killing on it, compared to when we bought it, but I feel bad for the poor bloke who bought it from us.
( Vipros. clever got me this far, then tricky got me in, Mon 17 Aug 2009, 14:35, Reply)

My older brother
was a 1st time buyer in 2007, poor cunt.

Almost definitely in negative equity. In the part of London I live in this is pretty much guaranteed never to happen, thank fuck.

I just need to hang on to it long enough to make a decent profit (well it's more than doubled in value in the 9 years I've been there but I've already cashed in about 40k and most of that went up my nose, twat that I am). This is not proving easy.
( Monty Boyce, My cheese game is strong, Mon 17 Aug 2009, 14:42, Reply)

same as the guy we sold to
just hope he had a sizeable deposit (fnarr)

fortunately my gf keeps a bit of a rein on my spending. I'm doing quite well budgeting my pot habit too which helps
( Vipros. clever got me this far, then tricky got me in, Mon 17 Aug 2009, 14:45, Reply)

I'm doing about a quarter to 3/8 a week
Which compared to my teenage and college years is practically none at all. The thing is it's mainly Thai (actually it's from Laos, we checked out the language on the packaging of a kilo) and it's too easy to get through. Occasionally there's some speciality hash (did you see any of that Afghan that had 'OBAMA' stamped on it? Hilarious).

sorry /DRUGBORE
( Monty Boyce, My cheese game is strong, Mon 17 Aug 2009, 14:48, Reply)

I don't tend to see it in those quantities
I'm actually making a quarter last several weeks these days, depends on how much other people have got too I guess, but I certainly feel like I'm getting my fill.

tends to be pretty strong stuff though, which helps.
( Vipros. clever got me this far, then tricky got me in, Mon 17 Aug 2009, 14:54, Reply)

My oldest and closest friend
is a pretty major dealer which is both superb, and my downfall....
( Monty Boyce, My cheese game is strong, Mon 17 Aug 2009, 14:55, Reply)

I can imagine
I lived with one at uni. great times. it upsets my gf slightly that we got the same degree (I actually scored slightly higher) despite being stoned every single night except for a month or so at the end.
( Vipros. clever got me this far, then tricky got me in, Mon 17 Aug 2009, 14:58, Reply)

I'll bet
There was a lad on the same course as me (Classical Civilisation, very useful in life...) who'd read the reading list over the summer each year, cycled everywhere and even did volunteer work helping old grannies and the like on his weekends. I was pretty much married to my bong and rarely moved apart from to the fridge or lavatory....poor cunt got the same degree as me. I felt genuine pity - he was simply crap at exams.
( Monty Boyce, My cheese game is strong, Mon 17 Aug 2009, 15:03, Reply)

http://www.zoopla.co.uk/

One way to get an idea of how your house is standing up to the recession...

-11.5% in 18 months, bollocks.
( Naked Ape call me Caitlyn, Mon 17 Aug 2009, 15:01, Reply)

the results near mine are skewed
as my mate bought half his house from another mate's dad meaning a big 4 bed end of terrace went for £113k
( Vipros. clever got me this far, then tricky got me in, Mon 17 Aug 2009, 15:07, Reply)

Some new flats have just been finished next door to me
They the same size as mine, although far more modern and the agent is asking 100k more than I paid for my flat last year!!

They must be insane!
( Naked Ape call me Caitlyn, Mon 17 Aug 2009, 15:14, Reply)

that's nuts
they opened some above a new shopping precinct in central exeter a couple of years back, people camped in the streets for 3 days to buy one. £290k for a two bed flat. Shortly after that they couldn't sell the remaining ones.

craziness
( Vipros. clever got me this far, then tricky got me in, Mon 17 Aug 2009, 15:29, Reply)