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30-09-2015, 12:18   #16
ghostdancer
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unless you're ordering special custom made pieces, it shouldn't take any more than a few weeks for items to arrive.
many of the larger places will have popular items on stock and can be delivered within a number of days.
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30-09-2015, 14:26   #17
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Yeah we have a few things got already, well we own them already, we've a bed, TVs coffee table, pc, ps4,(essential) and all of the other bits and bobs, knives glasses cups etc... Have a few vouchers to help us get kettle toaster etc too, it's the big purchases like ye said, the couch, kitchen appliances that will catch us. You don't realise how hard it is once you start the saving. I suppose it's lucky that we can both live at home and save still in our mid twenties
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30-09-2015, 19:02   #18
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It's worth it though.

I can still remember clearly the thrill of getting the keys to our first house. We moved in with a bed, kitchen table & chairs & a second-hand sofa. We ate takeaway chips outside on the back step that first night & all was right in the world.
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30-09-2015, 20:44   #19
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That'll be perfect, we can't wait hence why we are saving so hard, once we get the house we can think about our wedding, saying that though herself has half it planned already haha
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30-09-2015, 21:27   #20
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Saving 1k a month at the moment and have about 16k saved so far. Problem is we're still n Dublin so to get anything decent we're looking at 250-300k. Very difficult with the lending limits as we only make 65k between us. Also we do not want to buy an apartment or a 'starter home' with the difficulty in trading up under the new rules. We're both under 30 though so we can hang on a year or two.
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30-09-2015, 21:49   #21
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Yeah we're saving 1k a month too but on about €44k between us. Obviously down here in the sticks you'd get a 3 bed semi for less then €150000. Ye will get there no problem. We only started saving so once we hit €15k we'll go for mortgage approval
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01-10-2015, 09:10   #22
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Originally Posted by valovalo View Post
Paying 895 per month here in city and saving 150 per week and 50 towards loan, (loan needed to move in here!!)
Would you not be better off using whatever savings you have to repay the loan and putting all your available extra income into paying off the loan before you start building up your savings?
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01-10-2015, 09:49   #23
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Would you not be better off using whatever savings you have to repay the loan and putting all your available extra income into paying off the loan before you start building up your savings?

Yes. Exactly what we now plan to do,
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01-10-2015, 09:55   #24
lima
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Saving 1k a month at the moment and have about 16k saved so far. Problem is we're still n Dublin so to get anything decent we're looking at 250-300k. Very difficult with the lending limits as we only make 65k between us. Also we do not want to buy an apartment or a 'starter home' with the difficulty in trading up under the new rules. We're both under 30 though so we can hang on a year or two.
I wouldn't knock apartments - they only have a negative connotation because in Ireland for some reason (perhaps peoples parents who are not familiar with them gossiping down their neck over a barrys). You'd almost get a bigger apt for that amount than a house. Certainly in a nicer area.

I found it interesting when I bought an apt this year and noticed many foreign families with one/two kids living happily in apartments. These would be people involved in tech, doctors, pilots etc. so not rent allowance

Seems to be an Irish thing
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01-10-2015, 16:01   #25
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We are looking in the north cork region mallow Kanturk, there's plenty of properties in the region we can afford but it's the furnishing of the house after all the other expenses are taken into account is the problem, we already talked to the ebs as they seem the best to deal with so far
We are buying in the Kanturk area (deposit paid), plenty of houses for sale and prices are very good too. Best of luck!
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01-10-2015, 16:16   #26
Flatzie_poo
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I wouldn't knock apartments - they only have a negative connotation because in Ireland for some reason (perhaps peoples parents who are not familiar with them gossiping down their neck over a barrys). You'd almost get a bigger apt for that amount than a house. Certainly in a nicer area.

I found it interesting when I bought an apt this year and noticed many foreign families with one/two kids living happily in apartments. These would be people involved in tech, doctors, pilots etc. so not rent allowance

Seems to be an Irish thing
You'd be doing well to get an apartment in a desirable location that's bigger and cheaper than a house.

Take into account most houses being 2 stories, It's sq feet x2.

Having lived in both, I'd never go back to apartment living.

I don't know what you mean by "an Irish thing" but with a family, a back garden is an invaluable space.
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01-10-2015, 16:25   #27
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01-10-2015, 16:43   #28
lima
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You'd be doing well to get an apartment in a desirable location that's bigger and cheaper than a house.

Take into account most houses being 2 stories, It's sq feet x2.

Having lived in both, I'd never go back to apartment living.

I don't know what you mean by "an Irish thing" but with a family, a back garden is an invaluable space.
Take into account apartments are wider

For 250-300k you'd get an apt in a nice area for a lot cheaper than a house in the same area.

I bought a 2br 72sqm apt in a desirable area and there's no way I'd get a house of the same size.

I pay a management company to take care of a lot of stuff for a fee but it's still worth it.

A garden is always a bonus (I lived in London, I learned to do without one!), but personally I'd rather to be more central with less of a commute than to be further out. I get a buzz from living close to everything, I see my place as an urban pad within the city that I can pop into whenever I want a sanctuary away from the city I'm not ready for the suburban grey grind

Each to their own but apt living still needs to be considered as some people like it (like me).
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01-10-2015, 16:52   #29
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What type of mortgage could one expect to get if on 24k a year and with say 16k savings?
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01-10-2015, 16:54   #30
Flatzie_poo
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Take into account apartments are wider
What? It's total sq feet/meters you go off...

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For 250-300k you'd get an apt in a nice area for a lot cheaper than a house in the same area.
You lose out on floor space & private garden front & back in most cases. Add on annual mgt fee & car parking fees.

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I pay a management company to take care of a lot of stuff for a fee but it's still worth it.
You also lose out on freedom. Your mgt co. may not allow satellite dishes for Sky for example... and you may have to clear renovations are ok with them...

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A garden is always a bonus
Agreed

Quote:
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I see my place as an urban pad within the city that I can pop into whenever I want a sanctuary away from the city I'm not ready for the suburban grey grind
There's affordable houses close to the city.


On top of all this, take into account issues that may arise - such as what's happening in Dublin in Longboat Quay apartments. Residents are stuck with at least a €2,000,000 bill at present.
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