Robin
Premium Member
Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
User status: Offline
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Enjoy it more
Spend time with my mates, catch up with more old ones, the ones I really miss.
Find love.
Split the Fiesta and do something sensible with the money, not waste it.
Get another job.
Have a holiday.
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Liam
Member
Registered: 19th Jan 06
Location: Stafford
User status: Offline
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I thought you sold the fiesta Robin?
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Robin
Premium Member
Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
User status: Offline
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I had, then it broke the gearbox the day before Warren was supposed to collect it so we came to an agreement and I refunded him, so I'm stuck with it and need somewhere to pull it apart.
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Liam
Member
Registered: 19th Jan 06
Location: Stafford
User status: Offline
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Ahh. Shame.
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Ojc
Member
Registered: 14th Nov 00
Location: Reading: Drives : Clio 197
User status: Offline
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I'm not sure really.
We had planned to buy ourselves somewhere when the Astra was paid for in October, but with the country in complete financial meltdown it's kind of put things on a back burner.
So...
Save some money, have an expensive holiday and go to Nurburgring 3 times maybe more.
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mwg
Member
Registered: 19th Feb 04
Location: South Lakes
User status: Offline
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save money. that is all
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Bart
Member
Registered: 19th Aug 02
Location: Midsomer Norton, Bristol Avon
User status: Offline
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quote:
Originally posted by VegasPhil
quote:
Originally posted by Bart
quote:
Originally posted by VegasPhil
quote:
Originally posted by Bart
I expect 2010 prices will be on the rise, since money is slowly starting to move between companies and banks etc, companies are slowly begining to loan again.
I'd say mid 2009 is the time 
[Edited on 27-12-2008 by Bart]
It won't happen next year mate. Damage is done, will take ages to repair!
I agree, alot of damage has been done, but I dont think the house prices will continue to drop for another 2 years!
My in-laws are property developers and are slowly starting to sell houses at reasonable prices.
I cant see prices dropping for much more than another 8-10 months if that.
Can't see any glimmer of hope for the housing market yet. Even lettings have gone stagment. And 2010 isn't two years. It's one and 3 days 
Developers round here are getting some good deals, but as soon as they are refurbed aren't getting great deals of interest.
There was the forcast that property prices will drop by 10% next year. They predicted this in the first quarter of 2008. Not saying the same will happen again - certainly not with the severity of what has happened during this year. But I do think that a 10% drop will be a minimum figure for 2009. Hell, most of that will probably happen in the first quarter with people reducing. There's no money to lend and no decent mortgage products. The only people moving are people that have to for work or are splitting up.
I think we'll have to wait and see 
The lenders are getting amazing deals from the BOE now (talks of even 0% to get things moving quicker), and a number of lenders have already began reducing their rates (not mine unfortunatly  ).
I personally dont think the government can let the prices crash too much or too many people will be much worse off then they are now, i.e massive negative equity.
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Aaron
Member
Registered: 9th Aug 04
Location: Cottingham, East Riding
User status: Offline
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i hope mortgage deals will start coming good around September 09 (and i think they will) because this is when i need to renew
Might buy a second property too 
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Colin
Member
Registered: 4th Apr 02
User status: Offline
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Is there no point trying for a mortgage just now like? Is it really that bad??
I had hoped to start looking around May time, theres a couple houses around here been on the market for 6 months+ I had hoped to be able to make offers on if there still available.
Both me & Jade are starting new jobs on decent money & want to move somewhere bigger.
[Edited on 27-12-2008 by Colin]
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Andrew
Member
Registered: 5th May 04
Location: Skoda Octavia Estate, Ford Puma
User status: Offline
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Aim of the thread was to see what people were aiming for as i'm looking for ideas for 2009.
Have Exchange 2007 exam booked in for 1st of January but don't know what else to do for the rest of the year.
Earn your age comes to mind.
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Eck
Premium Member
Registered: 17th Apr 06
Location: Lundin Links, Fife
User status: Offline
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quote:
Originally posted by Colin
Is there no point trying for a mortgage just now like? Is it really that bad??
I had hoped to start looking around May time, theres a couple houses around here been on the market for 6 months+ I had hoped to be able to make offers on if there still available.
Both me & Jade are starting new jobs on decent money & want to move somewhere bigger.
[Edited on 27-12-2008 by Colin]
The mortgage business is on it's fucking arsehole just now mate. HBoS mortgage departments have been cut by about 3/4 over the UK  Even if you can get a mortgage, it's for silly rates just now. It may improve by May, however I think it'll only get worse for the time being
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Matt L
Member
Registered: 17th Apr 06
User status: Offline
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my plans for 2009 are
keep my job,
complete my aat,
move onto acca,
go over to boston to meet gf when she goes over 
hopefully do a view other things 2009 should be an amazing year providing all goes well
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Colin
Member
Registered: 4th Apr 02
User status: Offline
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quote:
Originally posted by Eck
quote:
Originally posted by Colin
Is there no point trying for a mortgage just now like? Is it really that bad??
I had hoped to start looking around May time, theres a couple houses around here been on the market for 6 months+ I had hoped to be able to make offers on if there still available.
Both me & Jade are starting new jobs on decent money & want to move somewhere bigger.
[Edited on 27-12-2008 by Colin]
The mortgage business is on it's fucking arsehole just now mate. HBoS mortgage departments have been cut by about 3/4 over the UK Even if you can get a mortgage, it's for silly rates just now. It may improve by May, however I think it'll only get worse for the time being
Hmmm not good. Hope it sorts itself out soon then
I had planned to treat myself to a new car but im not sure I could handle the silly depreciation if its to continue into next year. Im going to sell the golf soon as I start my new job & start work on the old mini & use it I think.
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Colin
Member
Registered: 4th Apr 02
User status: Offline
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quote:
Originally posted by Andrew
Aim of the thread was to see what people were aiming for as i'm looking for ideas for 2009.
Have Exchange 2007 exam booked in for 1st of January but don't know what else to do for the rest of the year.
Earn your age comes to mind.
Ive got exams Mid January, training course End January & then more exams in June.
Earn your age is still 18 months off but when it eventually comes it will be almost double my age so worth the wait!!
[Edited on 27-12-2008 by Colin]
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Andrew
Member
Registered: 5th May 04
Location: Skoda Octavia Estate, Ford Puma
User status: Offline
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When i was at uni i knew after the 4 years i would have something. Now i just need something to aim for really.
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Robbo
Member
Registered: 6th Aug 02
Location: London
User status: Offline
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Achieved that 4 years ago, tis a very ncie feelign to have accomplished that 
I'm glad I'm not as old as my wage though 
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Colin
Member
Registered: 4th Apr 02
User status: Offline
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What do you spend it all on Robert? Do you have a bed made out of money?
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Robbo
Member
Registered: 6th Aug 02
Location: London
User status: Offline
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FLOL I wish! I live on my own in quite a big and relativ ely posh flat which eats most of my money, then petrol as well etc
Try and save as much a sposs so cna buy my own place at some point!
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Bart
Member
Registered: 19th Aug 02
Location: Midsomer Norton, Bristol Avon
User status: Offline
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quote:
Originally posted by Colin
Is there no point trying for a mortgage just now like? Is it really that bad??
I had hoped to start looking around May time, theres a couple houses around here been on the market for 6 months+ I had hoped to be able to make offers on if there still available.
Both me & Jade are starting new jobs on decent money & want to move somewhere bigger.
If you already have a mortgage then you will have no trouble getting another mortgage (most probably), but its likely to be around 5.5%.
quote:
Originally posted by Eck
The mortgage business is on it's fucking arsehole just now mate. HBoS mortgage departments have been cut by about 3/4 over the UK Even if you can get a mortgage, it's for silly rates just now. It may improve by May, however I think it'll only get worse for the time being
Im not sure thats going to be the case. The BOE have already lowered their rates to naff all, several mortgage companies have already began lowering their rates to follow. When the remaining lenders follow suit (hopefully mine included!) it should bring back some competition.
We're already seen big improvements from the lenders, so to say its going to get worse, it probably wont
*just my opinion of course *
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CORSA NUT
Member
Registered: 3rd Aug 01
Location: Wirral
User status: Offline
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Start a family
Whilst in the Dominican Republic on a 5 star all inclusive holiday
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dannymccann
Member
Registered: 9th Aug 06
Location: Doddington, Lincolnshire
User status: Offline
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Get registered at an NHS dentist and have a check up is the first job I think 
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RCS
Member
Registered: 26th Jan 05
Location: Lichfield/Dundee
User status: Offline
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Stick in at uni
Win a race
Find another job
Go to Finland
Be more organised with my money
Buy a new car
Find a girl
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loubielou
Member
Registered: 14th Jan 07
Location: North Finchley, Greater London
User status: Offline
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start saving some money
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Sammii
Member
Registered: 22nd Oct 08
Location: Stevenage, Hertfordshire
User status: Offline
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hopefully get the full time job thats going at work atm, then move out of my parents house and hopefully start a family get a better car too!!
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a_j_mair
Member
Registered: 23rd Jan 04
Location: Scotland
User status: Offline
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save money
buy a new car
go on more holidays/nights away
become member of CIAT
try and get more work done to the house
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