I don’t think lads realise how poor Ireland was until about 25/30 years ago.
Within 15 years I was buying bottles of oxygen.
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FFG have destroyed this country
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Stick to the graph you cunt. Person B cant buy the house to spend 33% of their income on. In my rudimentary understanding of mortgages banks will only loan you 3.5 times your salary. In 30 years wages haven’t quite doubled but house prices have quadrupled… You cunts had it easy and now youre fleecing young people with your second and third houses.
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There was some adrenaline rush from the late 90s up to 2006…
I’d say I was in a restaurant maybe twice before the age of 18, didn’t leave the country till I was 19 and then flash forward 10 years later and european city breaks a few times a year, eating out once a week, and splashing mad money on vodka Red bull of a Saturday night became the norm.
I’ve no idea how we did it but it was the best of times.
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I was working in Dublin and my father was onto me to buy a house somewhere out in meath as he reckoned it would be my only chance to get on the property ladder.
Luckily i was more interested in the vodka red bulls.
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I remember my first “proper” job in 1996 I was getting 800 pounds a month. I was living at home and spent the lot on booze and (it is me) clothes. I was fucking loaded.
I was going to London in 99 or 2000 for a weekend and before I went I went to Alias Tom in Grafton Aircade and bought a leather jacket for 1200 euros. By that stage I was probably making 3000 euros a month. It was like a rocket ship
I have the jacket in the attic still at home. I couldn’t throw it out. I don’t regret any of it.
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Sure the mother had me plagued “to get the planning” for years but my head wasn’t in it as the lad says. I finally gave in 2005 when the SSIA was burning a hole in my pocket.
Some fellas will never understand the hardship of going to work of a Friday morning on the 46A after a heap of free vodka on the Thursday night.
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Or getting off the bus a few stops away from where you needed to go to. Walking up a side alley off the quays and throwing up and walking the rest of the way to work still slightly drunk.
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Did you invest the vodka savings in the red bull?
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I had a similar experience and a helpful junkee told me i needed to get a yop into me to sort that out
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You’d probably be well back in the black now if you had
240k at 2% interest over 30 years costs a lot more than 60k at 10% interest of 20 years to put an accurate comparison to the actual cost of money between the 2 time frames.
Young people are fucked because folks in the 80s got on the pyramid scheme early
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You have a month to get the mortgage drawn down if you already have approval at an old rate.
Some banks are already renaging on that, happened a girl in work.
“work”. 
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Happy I ran that race now!
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I have a daughter with letter of approval since Wednesday, valuation done, insurance sorted, Solicitor all over it, exit figure agreed - all that required seems good to go. She’s panicking she won’t get it drawn down in time, what’s the general feeling of everything clicking into place or any supplementary advice so I can appear the learned one. TIA.
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Solicitors are only trying to justify their existence at this stage of process. We got letter of approval dated 11th October. Took for today for it to arrive in the post. I have been trying to get ahead of the process. I tried organising the independent valuation myself. There was a list of independent valuers with contact details on AIB site so I rang one of them up. Scheduled appointment for last Wednesday. I rang AIB valutation team to tell them I had everything in place, paid my €150 and they said I had to cancel it as phone call had to come from them and they had to arrange it and would do so in 7-10 working days. I didnt bother cancelling it and when AIB rang the same valuer he kept my initial appointment. I have began the process of getting the life cover. They just need a completion date which I will get a ballpark one from auctioneer on Monday. Same applies for home insurance. Just going to insure it for rebuild/reinstatement value as opposed to market value. The contracts are with my solicitor. When I rang him today he said he had some pre contract questions but he will be told to get to fuck next week. Unless it is built on a sinkhole I really couldnt care at this stage. I hope to be signing letter of offer next week and an application in writing submitted for drawdown. Best case is 28th of Oct I think for drawdown but allowing for some delays it might be 10th. It will be tight.
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My informant tells me there can be a time-lag between your solr requesting the cheque and AIB issuing it - this was a problem apparently in August. She’s like a ferret down a hole pursuing things - they’ll possibly deliver the cheque in person to keep her off their backs. In the lap of the God’s I keep telling her….Good luck btw.
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