What Have You Bought?

[Daft]

That's not really the norm though, game size. And it's not exactly hard swapping games on and off the memory card. How much memory does the 3DS have? It's real dumb it doesn't come with a memory card (obviously kept costs down for Sony) but once it's been bought it's no problem and with the Amazon deal you get the memory card for free, so Me Gusta.

[BeerMonkey]

It's the way the colour hair:

 

They apply the colour/bleach onto the hair and fold your hair into a neat Tin foil like rectangle shape.

 

 

 

 

Is it a 10 week wait for delivery? My new sofa last year took from September until November to arrive.

 

 

took EIGHT days to be delivered couldnt believe it. Double discount

[Aneres11]

 

Yeah. It happened.

[Wesley]

Oh fuck it's like a virus!

[ReZourceman]

 

$80

 

 

$200

 

Total including shipping and insurance (and PayPal's non-accurate exchange rate). £223*.

 

Original Invincible Artwork - COMPLETE. Yeeeeeeeeeeeeees.

 

 

 

 

)o_________0 worth it.

[MoogleViper]

Total including shipping and insurance (and PayPal's non-accurate exchange rate). £223*.

 

Original Invincible Artwork - COMPLETE. Yeeeeeeeeeeeeees.

 

 

 

 

)o_________0 worth it.

 

Weren't you recently mentioning your lack of money?

[ReZourceman]

Weren't you recently mentioning your lack of money?

 

Within the space of 5 days last week I won £400 at the casino, and then had a "large" tax rebate.

 

(Not as big as....I think most of the members here who recently received one, but my dad was sorting it out for me. He said it would be approximately £40 - 80. It was a lot more than that).

 

But...I don't specifically remember mentioning my lack of money. I mean....I've been going overdrawn about a week before pay day for the last year, but yeah)

 

 

 

I've wanted Ottley artwork for so long, and this is the first time *excluding when I went to Florida, but I went to Florida* that I could afford it.

[nightwolf]

Why not? I mean I've been looking at my savings going..'why have money when you're not planning on spending it on anything..'

 

Seems a bit odd, enjoy it Rez! They look sweeet!

[Sheikah]

Surely you should be planning on saving for obvious future needs e.g. mortgage?

 

I can't say I agree with the whole going into overdraft monthly culture (ie. spending everything you get and living above your means).

 

I'll get a Vita but I'll be waiting until there's some decent games out for it.

[nightwolf]

Surely you should be planning on saving for obvious future needs e.g. mortgage?

 

I can't say I agree with the whole going into overdraft monthly culture (ie. spending everything you get and living above your means).

 

I'll get a Vita but I'll be waiting until there's some decent games out for it.

 

Mortgage at 21 years of age barely 9 months out of university with a total income of 17k?

 

Honestly the only way I'll be able to get my own place, even rental I'd need a pay rise and considering those are quite hard to come by, I don't really see the point.

 

Rez however, might be in a different situation, but for me, it isn't happening any time soon.

[ReZourceman]

I've got a couple of years on you, but its the same situation.

 

Unless you come from a family of money, or come into money from....whatever, things like a mortgage is an absolute joke/dream at the moment. It just isn't possible on anywhere close to 17k. I'm going overdrawn due to saving to move out "Then why did you spend x on artwork", we nearly have enough to move out now though.

 

To rent, of course. Which is still tight on our combined wages and where we live.

 

 

 

But yeah.

 

 

Basically = jealous of people with great wages/rich old relatives.

[Sheikah]

Mortgage at 21 years of age barely 9 months out of university with a total income of 17k?

 

Honestly the only way I'll be able to get my own place, even rental I'd need a pay rise and considering those are quite hard to come by, I don't really see the point.

 

Rez however, might be in a different situation, but for me, it isn't happening any time soon.

It's entirely possible. I could probably get a mortgage right now if I wanted to (hell, people in my lab in the exact same position of me have got mortgages and they're on an even lower stipend). I earn 18.5k per year (tax free PhD stipend) but 2 people in my lab are on 16k and have got mortgages for houses in London. Obviously not far from central London as our lab is as central London as you can get (UCL, right near Euston station) and they get here pretty quickly, so they're living reasonably close to London on a PhD wage.

 

It's all about not spending too much money and saving where you can. If not for a mortgage, something important.

 

I've got a couple of years on you, but its the same situation.

 

Unless you come from a family of money, or come into money from....whatever, things like a mortgage is an absolute joke/dream at the moment.

 

Again, see above 2 examples. It is possible, you have to be good at saving though. Also assuming you believe you will one day earn a higher salary (I'd hope you think you will) you would need a deposit to take out a mortgage, so saving rather than spending everything every month is good in the long term.

Edited February 5, 2012 by Sheikah

[Ashley]

I've always been tempted to get a PS3, there seems to be some sexy titles for it. How ye finding it?

 

Not opened it yet! Dropped it off at home yesterday after buying it and went out. Came back, slept for a few hours, got ready and now I'm back in the Midlands.

 

Speaking of Vitas the guy in Game pushed a promotional booklet on me. I said that I never liked the original PSP and he genuinely gave a face I'd expect from me saying "I just kicked your mother in the eye".

 

 

For the train journey.

[ReZourceman]

It's entirely possible. I could probably get a mortgage right now if I wanted to (hell, people in my lab in the exact same position of me have got mortgages and they're on an even lower stipend). I earn 18.5k per year (tax free PhD stipend) but 2 people in my lab are on 16k and have got mortgages for houses in London. Obviously not far from central London as our lab is as central London as you can get (UCL, right near Euston station) and they get here pretty quickly, so they're living reasonably close to London on a PhD wage.

 

It's all about not spending too much money and saving where you can. If not for a mortgage, something important.

 

 

 

Again, see above 2 examples. It is possible, you have to be good at saving though. Also assuming you believe you will one day earn a higher salary (I'd hope you think you will) you would need a deposit to take out a mortgage, so saving rather than spending everything every month is good in the long term.

 

I don't know what stipend means, but in all cases there is more to it than you have said.

[Wesley]

It's entirely possible. I could probably get a mortgage right now if I wanted to (hell, people in my lab in the exact same position of me have got mortgages and they're on an even lower stipend). I earn 18.5k per year (tax free PhD stipend) but 2 people in my lab are on 16k and have got mortgages for houses in London. Obviously not far from central London as our lab is as central London as you can get (UCL, right near Euston station) and they get here pretty quickly, so they're living reasonably close to London on a PhD wage.

 

It's all about not spending too much money and saving where you can. If not for a mortgage, something important.

 

 

 

Again, see above 2 examples. It is possible, you have to be good at saving though. Also assuming you believe you will one day earn a higher salary (I'd hope you think you will) you would need a deposit to take out a mortgage, so saving rather than spending everything every month is good in the long term.

 

The problem I have with this is the simple fact that mortgages aren't even necessarily suitable for a lot of people.

 

The amount of people on here who've been moving from one place to another for jobs...

 

You've just been quoting nightwolf and ReZ.

 

Nightwolf has been moving around the country since graduation for different jobs.

 

ReZ is a rapist.

 

But also ReZ not so long ago lost his job due to redundancies (and probably being a rapist) - he managed to find another job while not moving, but many would have to move to find another job they enjoy.

 

It's just not practical to be tied down to a mortgage for a lot of people.

 

Of course you could just sell-up and buy somewhere else, but then how much money are you losing through all that bullshit paperwork?

 

A lot of people in my family moan about renting, saying it's money down the drain and you're not "getting" anything in return.

 

I just don't see it.

 

I don't get the obsession some people have with "owning" property.

 

Fuck if you own it, you're just in the banks pockets.

 

Makes sense for some.

 

Not for others.

[Goafer]

My viewpoint on the money spending debate: I'm young and stupid. May as well enjoy it while it lasts. I can do sensible things when I'm older, I can only do stupid things now, before the whole responsible adult thing kicks in/I'm too old to enjoy it. I don't want to get to middle age and think "Fuck, I wish I'd lived a little".

 

Although I do save as well. It's just that I save for specific things (most recently my camera, which will hopefully aid my career).

[Wesley]

Oh yeah I forgot my purchase.

 

Bought a house:

 

 

£184,000

 

Moving in next week WEEEEEEEEEEEEEEEEEEEEEEEE!

[ReZourceman]

^^ Exactly. Until I'm earning 30k a month (probably/maybe never?) then I'll rent. The only bad thing = my sprogs won't have a property to inherit....welcome to life. :p

 

Oh yeah. And the thought of thinking "Shall I go to the cinema/buy this game/buy this graphic novel....oh no I can't, because I have an expensive mortgage" is less appealing. Life is for living.

[Wesley]

Ima get my sugar daddy @Serebii to buy me all the houses I need.

[Raining_again]

I looked into the whole mortgage/life cost thing and I found that the numbers just weren't there.... I'm on 19k p.a and I reckon it would be a struggle and I'd be lucky to be able to afford basic amenities with that. Doable... but not exactly ideal... Its pretty sad that a lot of people in our generation will have to wait til their parents die to provide some kind of house or inheritance to start off. But I do agree with Sheikah that it can be done if you save like a fiend, then it lessens what mortgage you need, and in turn monthly repayments.

[Wesley]

Fuck knows how most of us will get a foothold on the property ladder.

 

It's not even the case of people's attitude/saving ability.

 

Look at the trend of housing prices over the last 20 years and then look at the average incomes for that period.

 

Doesn't take an expert to see that it's not great for your average Joe.

[Coolness Bears]

I'm going to end up in a bin...

 

BUT IT WILL BE MY OWN BIN!

 

(plus I can put like a sexy ribbon on it.)

[Sheikah]

The problem I have with this is the simple fact that mortgages aren't even necessarily suitable for a lot of people.

 

The amount of people on here who've been moving from one place to another for jobs...

 

You've just been quoting nightwolf and ReZ.

 

Nightwolf has been moving around the country since graduation for different jobs.

 

ReZ is a rapist.

 

But also ReZ not so long ago lost his job due to redundancies (and probably being a rapist) - he managed to find another job while not moving, but many would have to move to find another job they enjoy.

 

It's just not practical to be tied down to a mortgage for a lot of people.

 

Of course you could just sell-up and buy somewhere else, but then how much money are you losing through all that bullshit paperwork?

 

A lot of people in my family moan about renting, saying it's money down the drain and you're not "getting" anything in return.

 

I just don't see it.

 

I don't get the obsession some people have with "owning" property.

 

Fuck if you own it, you're just in the banks pockets.

 

Makes sense for some.

 

Not for others.

 

The point is that you would essentially rent to the grave, whereas with a mortgage you pay it off at some point and therefore have something to pass down/more money by the end of it. Ideally.

 

I get that ReZ has had redundancies and whatnot. But the extreme view that a mortgage is out of reach, therefore spend any and all money up every month seems like an utterly backwards reaction. Surely if you're saying you don't have money, don't spend all money?

 

Also waiting until you earn 30k is crazy. As said, people in my lab earn 16k tax free as a stipend (so that's still under/around 20k realistically with tax) and afford mortgages for houses in London. From my understanding they had a deposit to pay (which I could probably pay, from savings), but then their repayments are clearly based on what they continue to earn (ie. relatively little as a PhD student).

Edited February 5, 2012 by Sheikah

[Paj!]

I'm incredibly lucky in that I 'know I'll be fine whatever happens' - in the sense that a sole wealthy relative basically pays for all the significant lump sums in my sister and I's life (i.e fees, bills - not for like things we like the look of...), and when he dies I/we get his rather...unique...property/land. I take that for granted way too much.

 

I need to find a job. I hate rejections. / I apply for like 3 places at a time and somehow hope one of those 3 will fall in love with my lack of experience.

[ReZourceman]

The point is that you would essentially rent to the grave, whereas with a mortgage you pay it off at some point and therefore have something to pass down/more money by the end of it. Ideally.

 

I get that ReZ has had redundancies and whatnot. But the extreme view that a mortgage is out of reach, therefore spend any and all money up every month seems like an utterly backwards reaction. Surely if you're saying you don't have money, don't spend all money?

 

Also waiting until you earn 30k is crazy. As said, people in my lab earn 16k tax free as a stipend (so that's still under/around 20k realistically with tax) and afford mortgages for houses in London. From my understanding they had a deposit to pay (which I could probably pay, from savings), but then their repayments are clearly based on what they continue to earn (ie. relatively little as a PhD student).

 

I think you're....wrong/still missing information a little, or whatever, but just to clarify; I run out of money partly because I have a fixed direct debit going into a savings account, which is our moving out fund, and any left over I have been having has been going into that.