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Life passing by people in their 30s

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Comments

  • Registered Users, Registered Users 2 Posts: 313 ✭✭BillyHaelyRaeCyrus


    I lived in house shares, family wouldn't vist so I moved home. Took up a second job to save, that got no recognition. Moved out live on my own now, got no recognition. Moving outside of Dublin would mean Id be looked down on. Likely going to emigrate, Ive cousins who emigrated and get spoken highly of even though they house share abroad. Id sooner emigrate than live in Meath anyway. Just want to be a person, despite having a degree Im just dead money, Irish people shame and hate renters.



  • Registered Users, Registered Users 2 Posts: 5,979 ✭✭✭Deeec


    Look I really wish you well. But with your attitude I fear nothing is going to change for you - you seem to be your own worst enemy and focus on negatives. Im sure nobody looks down on you at all - you need to get that out of your head.



  • Registered Users, Registered Users 2 Posts: 7,747 ✭✭✭Former Former Former


    This discussion reminds me of that "quiet quitting" thing that was all the rage a while ago.

    People asking why they should put in any more than the bare minimum of effort at work. And then scratching their heads wondering why they can't seem to get ahead, or why their boss won't recognise their undeniable talent.



  • Registered Users, Registered Users 2, Paid Member Posts: 20,580 ✭✭✭✭Bass Reeves


    Billy you are your own worst enemy. You worry what other people think about. Children worry about what there friends think about them. They grow out of it. It amazing the children my kids taught were smarter, trendier cooler than them they no longer worry about.

    You really need a self confidence course. Stop looking over the ditch the people on the other side have there own issues.

    Slava Ukrainii



  • Registered Users, Registered Users 2 Posts: 313 ✭✭BillyHaelyRaeCyrus


    This is why everyone my age is pissed off and voting Sinn Fein. In Ireland not owning a home is looked down on. Everyone is voting for change because they are depressed renting



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  • Registered Users, Registered Users 2 Posts: 556 ✭✭✭Kerry25x


    I'm in my 30's as are the majority of my colleagues and social circle. Most people I know are buying or have already bought houses, having babies and getting married. Rents were very cheap back when we finished college so even people who might have now moved back in with parents to save deposits will have had the opportunity to spend a significant period of time living independently.


    No doubt there's plenty people in my age group who are struggling but in general I don't think it's fair to say life is passing by people in their 30's. Surely it's the people in their early-mid 20's who deserve the most sympathy? I'm very glad that I wasn't born a decade earlier.



  • Registered Users, Registered Users 2 Posts: 313 ✭✭BillyHaelyRaeCyrus


    Funny Im 31, half my class in school who couldn't go to college went to Europe or Oz at in 2011 and never came back home. The other half I think maybe 5% have bought a home, in a couple in all cases. Most live at home. And Im from South Dublin. Almost everyone I did my arts degree with live in house shares or have emigrated. All my cousins etc around the same age either live abroad or at home. Even those I work with none own a home. In fact out of maybe 100 people from college and school etc whose situation I directly know of, 2 own homes and both are couples from well off families who can help. And at least 15 of that 100 would be teachers.



  • Registered Users, Registered Users 2 Posts: 19,196 ✭✭✭✭ELM327


    I've no degree and moved jobs twice in the past 12 months. In fintech. Both roles at or above 100k. I'm Irish and in my 30's. You do not need a degree, let alone a good one. You just need(ed) to shovel sheeet at the first couple of years of your career to work your way up the ladder. Companies hire people, experience, skills, not degrees and paper. I know, I've been on both sides of the interviewing table a lot recently.



  • Registered Users, Registered Users 2 Posts: 19,196 ✭✭✭✭ELM327


    Easier to vote for populism than to work on your career and put the effort in, eh?



  • Registered Users, Registered Users 2 Posts: 313 ✭✭BillyHaelyRaeCyrus


    how dare you. Ive actually double my wages over the past 4 years, and I work a second job and freelance. This may come as a shock to you, but the vast, and I mean 90%, of jobs in this country dont pay 6 figures or even have the potential to unless you become the CEO. But you seem to argue that people working on average incomes should not be able to have a home unless coupled up



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  • Registered Users, Registered Users 2 Posts: 5,979 ✭✭✭Deeec


    But single people can and do buy homes on your income! They just cant buy in Dublin.



  • Registered Users, Registered Users 2 Posts: 313 ✭✭BillyHaelyRaeCyrus


    Buying in Dublin wouldn't be vastly different in price to Meath etc. Its the 40,000 or 50,000 you need to save to meet the requirements thats the kicker. Thats a 6 or 7 year saving job while paying rent. Do you think thats acceptable? Life screwed until very late 30s and then living in a nowhere commuter town. My folks got a local authority house in the early 80s at 24 and my siblings got 100% mortgages in the 00s.



  • Registered Users, Registered Users 2 Posts: 4,963 ✭✭✭PokeHerKing


    Unfortunately thinking any political party is going to improve your lot is fools gold.

    Only you and lady luck can improve it.

    Any single mates that you'd be prepared to go in on a house with? Or would you buy outside of Dublin and commute/change jobs?



  • Registered Users, Registered Users 2 Posts: 313 ✭✭BillyHaelyRaeCyrus


    No, sharing with a mate is likely going to have the same issues with my family that renting does. And Id worry they wouldn't make the effort to visit outside of Dublin tbh. I only want to buy a house to win my sisters respect as she calls renting dead money and hasn't visited my current flat



  • Registered Users, Registered Users 2 Posts: 5,979 ✭✭✭Deeec


    But you could save if you moved home for a while again. You moved out because you feel you were looked down on - nobody looks down at you - thats in your head! You really have to help yourself or you are never going to buy. You've actually wasted so much time and money renting when you could have saved.



  • Registered Users, Registered Users 2 Posts: 7,747 ✭✭✭Former Former Former


    The average age of a first-time buyer is 35.

    For a guy in his 30s to claim that only 2% of people he knows own a home is either a massive statistical anomaly centred around him, or an outright lie.

    And considering he's relentlessly pushing a particular political party at the same time, I'm going to discount the 'statistical anomaly' possibility.



  • Registered Users, Registered Users 2 Posts: 4,963 ✭✭✭PokeHerKing


    Ah ok. You're onto a loser so pal. Good luck you.



  • Registered Users, Registered Users 2 Posts: 313 ✭✭BillyHaelyRaeCyrus


    The average first time buyer might be 35, but far less than 50% of 35 year olds are on the ladder. Especially in Dublin



  • Registered Users, Registered Users 2 Posts: 7,747 ✭✭✭Former Former Former


    But 2% is a blatant, outright lie

    FYI, when shilling for a political party, you're supposed to keep the racism to yourself.



  • Registered Users, Registered Users 2 Posts: 146 ✭✭TagoMago


    Would you buy a 2 bed apartment in Tallaght, Park West, somewhere like that? Might not have too many mod cons in surrounding areas but you'd get one for 200-250k so half the deposit you've mentioned here. If the deposit is still an issue, would anyone in your family give you a loan for it?



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  • Registered Users, Registered Users 2 Posts: 313 ✭✭BillyHaelyRaeCyrus


    The likes of Tallaght or Clondalkin would be my hope once its luas or bus to town as cars as way too expensive these days. Id need 40 - 50k still. Banks only count main income so Im looking at about 165,000 in a loan. My rent is 1300 a month so I could at best save 750 a month. Minus 2 months not saving a year for xmas costs and a hostel holiday abroad your now looking at 7500 a year in savings. So about 6.5 years to save a deposit. Meaning I would be 37 or 38 before I can buy. An age when the rest of my family had 10 years in their own places. Is that really possible to be doing nothing throughout your 30s? Im far too old to house share, Im far too old to live at home, and stuck in this limbo of not being on the ladder and not mattering as a result for 7 years? I think Im going to move away to a country that renting is normal in to be honest. Imagine being 35 and not being a home owner, 31 is bad enough with the shame



  • Registered Users, Registered Users 2 Posts: 19,196 ✭✭✭✭ELM327


    Is that 90% based on CSO statistics or a median or mean appropriation of the tax take vs total taxpayers, or just some bs pulled out of your head? I'm nothing special, I have autism, I'm a college dropout. If I can do it anyone can.

    PS: I bought my first property on my own in my early 30's, bought in meath. Sold it a couple of years later and now live in a 6 bed house in wexford with the mrs. You don't need to live in Dublin. If you do, it affects the amoiunt you need to pay. To fund my deposit I worked a fook ton of overtime, doubled my base salary working 60-70 hour weeks for about 2 years, so that I could pay the 1k rent I was paying at the time and also save the deposit for the meath property. I could have sat on my arse at 30-35k and complained but you know what, I'm not that guy, I believe in personal responsibility.



  • Registered Users, Registered Users 2 Posts: 313 ✭✭BillyHaelyRaeCyrus


    mate I work two jobs and free lance. I do 60 hour weeks. Im not good with numbers and have no interest in science so fintech is never going to be for me. You have to understand that people in most industries can work non stop and not earn above 50k. This is the reality



  • Registered Users, Registered Users 2 Posts: 2,135 ✭✭✭I see sheep


    Ah man you need to stop whingeing, it is a **** show in general but you're luckier than a lot of people. A lot of people are struggling to pay the bills.

    Meaning I would be 37 or 38 before I can buy - There's nothing wrong with buying a house in your late 30s.

    Imagine being 35 and not being a home owner - wtf are you on about?

    When I was 30 hardly anyone I knew had a house, I'm nearly 40 😪 now and I'd say about 60% people I know do. There's nothing wrong with becoming a 'grown up' in the years 30-40, I wouldn't be rushing into it trust me, it's nothing special 🤣. Enjoy your 20s and early 30s.

    *I'd be a SF voter next election btw (probably).

    "a terrible war imposed by the provisional IRA"

    Our West Brit Taoiseach



  • Registered Users, Registered Users 2 Posts: 313 ✭✭BillyHaelyRaeCyrus


    I dont know anyone with a house my age either. Its a family/societal thing that I feel like I needed to own one by now.

    And the way people talk about their massive salaries and that if anyone is on less they are losers here is just adding to that sense of needing to own to make it



  • Registered Users, Registered Users 2 Posts: 4,154 ✭✭✭Greyfox


    The problem is you could work your boll*x off and still not be able to get ahead due to the fact that supply is nowhere near able to keep up with the demand



  • Registered Users, Registered Users 2 Posts: 19,196 ✭✭✭✭ELM327


    Well the average median wage is mid 40's, which includes teenagers and early 20's on min wage jobs so the average career job especially mid 30's to mid 40's would likely be higher than 50k.

    You don't have to work in fintech to earn money. One of the highest earners I know works in aircraft leasing, nothing to do with fintech. Another is an equipment manager in a phone/solutions company. Another works in pharma, not sure what she does exactly but I think it's a people management role. All of these earn 6 figures or close. Of course fintech earners get the headlines as most of the FDI that comes here is fintech but there are many industries out there.



  • Registered Users, Registered Users 2 Posts: 2,135 ✭✭✭I see sheep


    Stop paying attention to what other people think.

    I couldn't give 2 **** about what anyone thinks.

    Also why do you want your family visiting you so much? You know where they are, visit them if you want to see them. Ideal.

    "a terrible war imposed by the provisional IRA"

    Our West Brit Taoiseach



  • Registered Users, Registered Users 2 Posts: 313 ✭✭BillyHaelyRaeCyrus


    read the comment above. The working class and normal earners don't matter to these guys, its about getting to 6 figures or bust. No one seems to ever say "maybe people working should be able to have a home". Like the guy above is saying teachers, nurses, carers, gardai, soliders, most office staff, most media jobs etc should not be able to own a home in Dublin.



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  • Registered Users, Registered Users 2 Posts: 2,135 ✭✭✭I see sheep


    I'm just repeating myself but - stop paying attention to what other people think.

    If someone looks down their nose at you because you don't own a house (I find this hard to believe tbh) then they're a dickhead so why would care what they think?

    "a terrible war imposed by the provisional IRA"

    Our West Brit Taoiseach



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