Marriage/House/Kids?

[FlyingJesus]

Much more able to work and save before you have kids (especially as a couple), and there are loads of help to buy schemes so that you'll only need like 5k or something to start off a mortgage. Weddings cost more than mortgages these days

[Empired]

I would not have children if I wasn't sure I had a way of supporting them both financially and emotionally. I can see where Jen is coming from and I know this isn't what she's talking about (just thought I'd share my opinion now tbh) but I get so angry at people who have more children than they can afford and just expect the government to pay out to them on benefits. It seems like people aren't prepared to face the consequences for their own choices anymore.

[scottish]

question tho; you likely gonna have to save for years before u can afford a decent deposit on a decent house, are you all gonna wait till you can afford a house before you have kids? our logic was we wouldn't be able to afford a mortgage on a 3 bedroom house until we are like 30 and i want kids before that age and marriage before kids so that was the logical answer for me!

if we both got a decent wage raise we would deffo think about getting a house first

deposit isn't much it's only like 5% these days with government help to buy scheme (so say 200k house is only 10k deposit)

[buttons]

yeah but you have to be earning a certain wage before you are even offered a mortgage, so if you pay 10kdeposit on a 200k house, you still need a 190k mortgage and for that you need to earn, what, like 48k between you? only way id even earn half of that in my position is if i was assistant manager which will take a good few years! and to me having kids is more important than working just to afford a house when you can rent and still provide for them (not having a house =/= financially unstable lol) whilst saving.

my mum was 30 when she got a mortgage and had 3 kids at that point and her mortgage was only 38k, now the house is worth about 120k ;ll

[Alkaz]

yeah but you have to be earning a certain wage before you are even offered a mortgage, so if you pay 10kdeposit on a 200k house, you still need a 190k mortgage and for that you need to earn, what, like 48k between you? only way id even earn half of that in my position is if i was assistant manager which will take a good few years! and to me having kids is more important than working just to afford a house when you can rent and still provide for them (not having a house =/= financially unstable lol) whilst saving.

my mum was 30 when she got a mortgage and had 3 kids at that point and her mortgage was only 38k, now the house is worth about 120k ;ll

I get where you're coming from but that also depends on where you live. My brother used to live in a 2 bedroom flat and his rent was £950 a month, he saved like hell for 4 years and now has a mortgage of a large 3 bedroom house and his mortgage is £700 a month. So for him, it was worth while saving and then getting a mortgage before having kids as now he isn't just throwing away £250 a month and lining some landlords pockets.

[buttons]

sigh, i can only start paying for a mortgage if im offered a mortgage lol and on our wage, we won't be offered a mortgage on a 3 bedroom house (about 120k) so we would have to save first (or get promotions/pay raises). that will take us until our 30's and i want to have kids before then, so marriage > kids > house for me. like i say both our parents were married with kids and in their 30's before they got a mortgage but ye gl everyone getting mortgages, marry someone rich!

[FlyingJesus]

Why do you need 3 bedrooms am I moving in

[buttons]

wtf cause am having 2 kids what are u just shoving all urs in one room

[scottish]

1 for me
1 for older child
1 for buttons and the youngest child

[N-Dubz]

house>marriage>kids!! getting the first one done by this year!!!