How can someone in their 30s afford a house - PLEASE READ MOD WARNING IN OP

oceanman

GreeBo wrote: »

Its completely irrational to link these things nevermind the fact that 50k isn't some successful career, its a shop floor worker.
Do you think every shop floor worker is entitled to live in their own house in the capital city?
Why on earth would that be true?

since when was 50k a shop floor workers wage??

klaaaz

Yurt! wrote: »

FFS. This, ladies and gentlemen, is why we'll never get our act together with regards housing and will likely suffer bubbles and crashes in perpetuity.

Yeah, continental style solutions with a good mix of private, public, and cooperative housing with decent tenant protections and appropriate land value taxes is communism.

Raise the red flag comrades, all power to the Soviets.

I really wonder about this country sometimes.

Yeh that nasty socialism having it's positive housing affects in Scandinavia.

But let's continue with the FFG capitalist version of housing, let's keep driving the prices up until the wealthy will end up as the only ones who can afford a roof over their heads.

lainey_d_123

lainey_d_123 wrote: »

........

But thanks for making it clear to everyone what YOU think of Polish shop assistants.

https://www.boards.ie/vbulletin/showpost.php?p=109420163&postcount=479

I didn't bring up the nationality of any shop assistants, that was you. Why you did I don't know but as I said shop assistants earn nearly what you do. I also didn't mention 10 to a room, either, again that was you and your views..........I just pointed out you have awful views as you said " a city full of b@nker w@nkers and Polish shop assistants living 10 to a room"

lainey_d_123 wrote: »

Why are you obsessed with the numbers? Do you know what house prices will be like 5 years from now? If after five years of saving as much as I possibly can (bearing in mind I'm aiming for salary increases in that time), I can't afford a deposit on a small flat, and I can't qualify for a mortgage, then it's too expensive.

You're on €1800/month ish after tax currently and claim that you can save very little.

That is the issue, you have some way to go before you can worry about the actual price of property. If in 5 years time you have saved €10k and are on €35k gross and you can't afford to buy a flat the price of the flat won't be the issue, your savings and income will be

You're wages are woeful, they are akin to someone in the mid 90s taking home IR£150/week (my first job the full timers took that home) ....... noone of them were buying property either, they couldn't afford it.

mariaalice

Yurt! wrote: »

FFS. This, ladies and gentlemen, is why we'll never get our act together with regards housing and will likely suffer bubbles and crashes in perpetuity.

Yeah, continental style solutions with a good mix of private, public, and cooperative housing with decent tenant protections and appropriate land value taxes is communism.

Raise the red flag comrades, all power to the Soviets.

I really wonder about this country sometimes.

The reason it works for them is culture they have lived like that for generations it does not mean it would work here however, look at the reaction to developers having to provide 10% social housing.

Culture plays a huge part in these things.

baby and crumble

GreeBo wrote: »

50k isn't some successful career, its a shop floor worker.

:rolleyes:

FFS. I have 2 masters degrees working in a well paid charity sector job and my FTE (I work 4 days because we don't get funding for a 5 day post for me) is €43k gross after 4 years in position.

You are woefully out of touch if you think as shop floor worker is €50k.

baby and crumble

baby and crumble wrote: »

.........a well paid charity sector job ..............

Indeed, well know pocket liners.

lainey_d_123

oceanman wrote: »

since when was 50k a shop floor workers wage??

This is proof of how utterly out of touch he is with reality. Most rich people don't realise they're rich and assume everyone else is earning about the same. 50K is over the average (and median) Dublin wage. There are plenty of professionals making that, including mid level software developers. Shop floor workers are making minimum wage, or just slightly above it.

Anyone who thinks 50k is a shop floor workers wage has to be either dim or detached from reality.

Yurt2

mariaalice wrote: »

The reason it works for them is culture they have lived like that for generations it does not mean it would work here however look at the reaction to developers having to provide 10% social housing.

Culture plays a huge part in these things.

Agreed. Ireland's erratic housing 'market' (both rental and for purchase) is by and large cultural. This thread is evidence of that. Where the OP and another poster posit that they lack housing stability and are seeking a way out: the best some other posters can come up with is 'be less poor.'

I know we're in the EU, but culturally, we're fundamentally Texans. Rabid individualists. We talk a big game about community in this country, but for the most part it's all against all. People who lucked out in the property market, purchasing at the right time, got the promotion because old man Murphy took early retirement (and good luck to them) think it's all down to their own brilliance and hard work. Anyone in a less fortunate circumstance, well, it's a character defect.


A dignified housing model would ensure someone like Lainey (who I'm sure works hard) has a semblance of stability, even though she isn't fortunate enough at this particular juncture to earn enough to purchase a house.

Yurt2

Augeo wrote: »

Indeed, well know pocket liners.

Charming.

baby and crumble

Augeo wrote: »

Indeed, well know pocket liners.

Well you aren't going to be a big earner if they can't even get funding for full time hours, that's fairly basic stuff.
Big title maybe but that doesn't line the pocket...........and 2 masters, wow.

Graham

Mod Note

I see we have a few new posters, welcome to Accommodation & Property. Please take a minute to read over the forum charter.

For everyone new and old, please leave out the personal digs/trolling/political soapboxing. We do expect a reasonable standard of posting here in A & P, some of the recent posts are well below reasonable.

Thanks

Yurt2

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lainey_d_123

Augeo wrote: »

https://www.boards.ie/vbulletin/showpost.php?p=109420163&postcount=479

I didn't bring up the nationality of any shop assistants, that was you. Why you did I don't know but as I said shop assistants earn nearly what you do. I also didn't mention 10 to a room, either, again that was you and your views..........I just pointed out you have awful views as you said " a city full of b@nker w@nkers and Polish shop assistants living 10 to a room"

How is this an example of 'awful views'? This is exactly what's happened in London. Entire swathes of zones 1 and 2 full of either filthy rich people or eastern Europeans on minimum wage crammed into rooms. You asked why I mentioned their nationality - well, they tend to stay 2-3 years, saving every penny and then go home and buy their houses there. I have plenty of friends who've done that. Obviously this strategy doesn't work for native British or Irish people, because they can't leverage the higher income earned in London/Dublin and then go home to build or buy a home in Poland or Romania. Hope that makes sense to you. I would say 'awful views' are saying that anyone who isn't making well above average money and who needs to live in Dublin for work doesn't deserve a modest flat anywhere in the capital, but each to their own.

You're on €1800/month ish after tax currently and claim that you can save very little.

That is the issue, you have some way to go before you can worry about the actual price of property. If in 5 years time you have saved €10k and are on €35k gross and you can't afford to buy a flat the price of the flat won't be the issue, your savings and income will be

You're wages are woeful, they are akin to someone in the mid 90s taking home IR£150/week (my first job the full timers took that home) ....... noone of them were buying property either, they couldn't afford it.

Well, sure, I get that. I'm explaining *why* I haven't been able to earn more so far. It's certainly not out of laziness or lack of ambition. I've had a lot of bad luck with my health and the way the economy went, and I've just been trying to keep my head above water. And I'm far from the only one. This narrative of people who can't afford to buy frittering away their money or being too lazy to work hard is toxic. The thing is, I'm now retraining (at my own expense) and even when I do get a job in the new career, it's still not going to be amazing. It'll probably take the best part of a decade to be on 'good' money. Most people are not on great money. I don't know why some of you seem to think it's so outrageous that someone making average money could expect to buy a home.

baby and crumble

Augeo wrote: »

Well you aren't going to be a big earner if they can't even get funding for full time hours, that's fairly basic stuff.
Big title maybe but that doesn't line the pocket...........and 2 masters, wow.

My point there is that I have a decently paid job in Dublin. On my own, I would struggle to buy a house anywhere at the moment. Yet some posters seem to think that shop floor workers earn €50k easily and still shouldn't be able to buy a house in our capital city.

This isn't about someone in their mid-thirties wanting a mansion in Dalkey handed to them. This is about the sustainability of our housing market vs wages vs living conditions vs the structure of our economy that means that large chunks of employment is only available in big cities.

lainey_d_123

Augeo wrote: »

Well you aren't going to be a big earner if they can't even get funding for full time hours, that's fairly basic stuff.
Big title maybe but that doesn't line the pocket...........and 2 masters, wow.

But 43K is a perfectly decent salary. It's above average for Dublin. You just seem to have no idea what normal people earn. Do you think everyone in a professional career is on 80K?

GreeBo

baby and crumble wrote: »

. My best friend bought pretty much the same house in D6 (same council architect, built in the 50’s, etc) and it cost them three times what we paid. That makes no sense.

That makes perfect sense!

Its supply and demand 101.

GreeBo

lainey_d_123 wrote: »

But 43K is a perfectly decent salary. It's above average for Dublin. You just seem to have no idea what normal people earn. Do you think everyone in a professional career is on 80K?

Do you think everyone in a professional career is living in the nice part of Dublin?

GreeBo

lainey_d_123 wrote: »

Why are you obsessed with the numbers? Do you know what house prices will be like 5 years from now? If after five years of saving as much as I possibly can (bearing in mind I'm aiming for salary increases in that time), I can't afford a deposit on a small flat, and I can't qualify for a mortgage, then it's too expensive.

You can afford one, you just cant afford one in the place you *want* to live.
We are going to get nowhere unless you accept this most basic of facts.

lainey_d_123

lainey_d_123 wrote: »

................or eastern Europeans on minimum wage crammed into rooms.............

OMG ..........you are persisting with this terrible view.
I know many Eastern Europeans and none of them live 10 to a room.

lainey_d_123

GreeBo wrote: »

You can afford one, you just cant afford one in the place you *want* to live.
We are going to get nowhere unless you accept this most basic of facts.

I can't. In five years, I might be on 40k if I'm lucky. What exactly can I buy on this? Cute how you think properties being listed online means you can just rock up and buy them, BTW. My ex's sister is a first time buyer (in her forties) with a very good job and she's seen loads of places she's been interested in, but the offers accepted ending up being way above asking price. Plenty of cash buyers around. Her issue isn't that she doesn't want to live in Tallaght, it's that she can't even do that.

lainey_d_123

lainey_d_123 wrote: »

But 43K is a perfectly decent salary. It's above average for Dublin. You just seem to have no idea what normal people earn. Do you think everyone in a professional career is on 80K?

I earn a very nice wedge myself, I work in Dublin, I live in Kildare. Do you see me b1tching and moaning about not living/buying in a nice part of Dublin?

lainey_d_123

Augeo wrote: »

OMG ..........you are persisting with this terrible view.
I know many Eastern Europeans and none of them live 10 to a room.

Sigh.

I didn't say ALL of them live ten to a room. I said plenty do live in overcrowded conditions, and that's the reason why. They can tolerate the awful conditions for a few years because it'll pay off in the long run. If they're only paying 200 euros a month in rent for half a bunk bed, that's a chunk of savings in the bank. I spent a few years in London in my twenties and worked with lots of people doing this, and found the same (to a lesser extent) in Dublin. The problem in some areas of London has gotten so bad that the councils started using drones to find illegal sheds in gardens which had multiple people living in them. I myself went to view a 500 pounds per month 'room' which ended up being half a garden shed with no heating. You honestly must live under a rock.

lainey_d_123

Augeo wrote: »

I earn a very nice wedge myself, I work in Dublin, I live in Kildare. Do you see me b1tching and moaning about not living/buying in a nice part of Dublin?

Ooh Kildare, what hardship. What a horrible place to be.

You're better off than most people, and you're patronising people worse off than yourself for wanting a fraction of what you have. That's an 'awful view', for sure.

baby and crumble

Augeo wrote: »

I earn a very nice wedge myself, I work in Dublin, I live in Kildare. Do you see me b1tching and moaning about not living/buying in a nice part of Dublin?

I don't understand why wanting to live and work in close proximity to each other is a bad thing. I think most folks know they need to cut their cloth to suit their means.

But just because you made that choice without thinking 'hang on a sec, surely there's a different way' and having conversations about it, don't look down on folks who question why it's not possible and how to address it.

GreeBo

baby and crumble wrote: »

:rolleyes:

FFS. I have 2 masters degrees working in a well paid charity sector job and my FTE (I work 4 days because we don't get funding for a 5 day post for me) is €43k gross after 4 years in position.

You are woefully out of touch if you think as shop floor worker is €50k.

I dont care if you have a PhD in nuclear physics, it doesnt mean you get to live wherever you want by default.

lainey_d_123

lainey_d_123 wrote: »

.......... You honestly must live under a rock.

Not at all, your "half a bunk bed" phrase is very derogatory.
People do what they need to do.......... .

baby and crumble

baby and crumble wrote: »

I don't understand why wanting to live and work in close proximity to each other is a bad thing. I think most folks know they need to cut their cloth to suit their means.

But just because you made that choice without thinking 'hang on a sec, surely there's a different way' and having conversations about it, don't look down on folks who question why it's not possible and how to address it.

I live under 30 mins from work.......relatively close in proximity terms. Leave home at 8.30am, at work for 9am. Lovely. Home by 5.30pm.
Dublin isn't just the city centre

You have no idea how I made the choice or what I considered BTW

GreeBo

baby and crumble wrote: »

My point there is that I have a decently paid job in Dublin. On my own, I would struggle to buy a house anywhere at the moment. Yet some posters seem to think that shop floor workers earn €50k easily and still shouldn't be able to buy a house in our capital city.

This isn't about someone in their mid-thirties wanting a mansion in Dalkey handed to them. This is about the sustainability of our housing market vs wages vs living conditions vs the structure of our economy that means that large chunks of employment is only available in big cities.

lainey_d_123 wrote: »

But 43K is a perfectly decent salary. It's above average for Dublin. You just seem to have no idea what normal people earn. Do you think everyone in a professional career is on 80K?

What makes it "decent" other than your opinion that it is?

I dont get why you just wont come out with the real issue here.
You feel entitled to live in Dublin.

baby and crumble

GreeBo wrote: »

I dont care if you have a PhD in nuclear physics, it doesnt mean you get to live wherever you want by default.

JESUS CHRIST.

I never said i feel entitled to live wherever i want.

I am a person who bought a house within their means because I couldn't afford where I wanted. I did that because i had no choice.

Doesn't mean I can't question the system whereby the simple act of owning a house in an area or place that I would prefer (and like I have said MULTIPLE times, I'm not talking about a mansion. I would like to live in a 2 bed house or apartment in the libeerties. Hardly Ballsbrige) is impossible for someone on a decent wage.