when people say they can't afford (and never will be able to afford) a house

I'm sure you're right, but in practice, that's not the way it has worked for the people I know who have been given them.

 

I think the path of your original point has veered off slightly IMO .

 

Your original question is ambiguous because it imports in brackets "and never will".

It is quite permissible for them to state that they cannot afford a house.

But speculative to state that they will never be able to afford one.

 

For one person. I'm guessing at some of these/being generous :

Salary = £13,500
Monthly = £1,125
After Tax = £1,020

Deduct

Mortgage = £500
Gas and Electric = £70
Water = £25
Council Tax = £65
Food = £100
Travel = £50
Phoneline & Internet = £18
House Insurance (not Inc. contents) = £20
TV licence = £12
Mobile Phone = £15 (basic phone and package)

Total outgoing: £880
Remaining : £140

So at glance it's possible....If you move to somewhere you may not like and that's possibly a distance from family and friends. If it's cheap it might need some work doing to it.

 

You then get your zero hours holiday paid for yes
Seriously though we were talking about full time employees. I wouldn't have a clue how anyone with a zero hour contract goes about getting any kind of loan to be honest. I can see the benefit of them for a small number of people (who don't need the money and want the luxury of saying no to their bosses) and why they are a fine compromise for others (students or people living at home who again don't strictly need the guaranteed income but want more than a set part time income and so gamble on getting more on a zero hour flexoblemcomtract) but for the majority it sounds awful.

 

I think your outgoings are significantly inflated there.

My house is around 100k and my mortgage is almost exactly 300 quid. My home insurance including contents is about 6 quid a month. Water bill is 12 pound a month, council tax at 51. Gas and electric is 50 a month I think.

 

Can you recheck and advise who your suppliers are?

 

Yorkshire bank, Yorkshire water, British gas and god knows who the insurance is with. Legal and general I think.

 

Let me know as well!

 

You're probably right with your original post then - would I just want to buy any old place I can afford with nothing of a garden? No.

I really want a detached in Holmfirth where the upstairs is actually downstairs and there's a massive garden. Trouble is that's getting towards half a million, I'd need to at least double my wage and also marry a bird who is on a very good wage as well...probably won't happen, but at the same time you can't take anything with you when you pass over.

 

Council tax taken from lowest band in Barnsley unless I read it wrong. £6 for building and contents?

If you had a car before moving add:

Petrol : £50
Tax: £8
Insurance: £30
Repairs etc. Probably better to sell it.

 

Is this your whole outgoings or halved assuming there's a partner also paying half? Just the council tax seems impossibly low.

 

Even the lowest band is over £100 a month - it's paid over ten months, two months no payment.

 

Council tax band A with single person discount applied.

My insurance is actually 6.50 as its 78 quid for the year

 

My council tax is around £90 and I live in a 1 bed mainsonette!

 

Well yeah unfortunately a lot of the time it needs the employee to know what the crack is for them to actually be given what they are entitled to - often makes me wonder why so many firms seem more inclined to hire foreign workers who won't question stuff like this.

 

Same here and I get 25% discount for living alone.

 

PS its not all my outgoings but none of those bills are halved.

And for whoever mentioned paying over 10 months not 12 then I didn't take that into account, I divided my yearly bill by 12. Overall same average though

 

Got my new council tax and water bills right here. Our house is band A, so the cheapest you can get in terms of council tax, and water, which is also worked out on the price of your house. Council tax is £974.07 for the year. We pay 10 monthly payments, one at £101.07 and nine at £97.00. Over 12 months it would be £81.17 per month.

Water is £408.44. 1 payment of £41.24 and nine at £40.80.

 

A search on Rightmove with a £50k max brings up 150 houses within 10 miles of Barnsley town centre. Until recently these would all be within easy walking distance of a Netto.