Should I rent with my gf?

[Anonymous No.22346548]

>24
>Britbong

I've been living with my parents for 2 years now, it was manageable before covid but now its hell. I haven't had a good night's sleep since god knows when. My original plan was to buy a house this year but that's on hold now until the crash of 2021 earliest.

My gf currently rents a shitty 1 bedroom bungalow on the outskirts of the city (not London, Norf), we're looking at a 2 Bedroom flats in a nicer area of the city to be able to use a spare room as an office/workout area.

I did the maths and I would be able to still save around £1400/Month after expenses, is there anything wrong with my plan?

[Anonymous No.22346622]

No you should rent a new gf

[Anonymous No.22346662]

>>22346548
yeah sure why not

[Anonymous No.22346691]

>>22346548
Yeah. My gf moved in with me since the quarantine. It's pretty comfy:

>she cooks
>she cleans
>she wants to fuck all the time

[Anonymous No.22346752]

>rent

[Anonymous No.22346782]

>>22346548
Go for it, you can always move back in with your parents after a year if it all goes tits up

>>22346691
Enjoy it while it lasts

[Anonymous No.22346787]

>>22346548

How solid are you and the GF? How long have you been going out for?

Financially, it's a sound choice to make, which is why I guess you're asking on /biz/ rather than /adv/. Although keep in mind that living with your gf, your overheads may go up as you do more things with her to break the monotony, especially once covid ends. That is unless she's financially on the same page as you. Bills etc pop up when living out of home, plus you'll need/want to furnish the place.

Relationship wise, it can be heaven or hell and when it's heaven it can shift to hell extremely quickly in ways you weren't expecting.

[Anonymous No.22346800]

>>22346782
What's that supposed to mean?

[Anonymous No.22346811]

>>22346752

If you live in a major city and own your home, you've already made it and there's no point posting here.

[Anonymous No.22346812]

>>22346752
based - but like op said market crash pending

[Anonymous No.22346815]

>>22346548
If living with your gf would make you happy then sure why not.

You don't have to sacrifice all your enjoyment in the name of saving as much as possible.

[Anonymous No.22346978]

>>22346800
You will get less sexy time soon, but you will have kids then.

[Anonymous No.22347004]

>>22346978
Honestly that's what I thought, but she wants to fuck so much, more than I do. We have sex at least once every day.
But yeah, if she behaves well for the next couple years I'll put a ring on her and start a family

[Anonymous No.22347179]

>>22346787
we're pretty good, no real arguments or red flags on her side, been together nearly a year next month. She's well educated but has realised that University was a complete lie and I've been slowly redpilling her.

>>22346815
Yeah I've begun to realise this now i need to start enjoying life a bit more, I've saved a lot and I'm financially comfortable. I haven't made it yet but I'm comfortable.

>>22346782
That's true too, but I'm worried that safety net will stop me from pushing myself, fear can be a good motivator when used correctly.

[Anonymous No.22347574]

>>22346548
UK anon here. Where in Norf?

£1.4k is healthy. Say margin of error/surprises of 10% means ~£15k saved a year to pump into crypto or index funds. I take this is after your pension contribution.

What are your savings per month in your current situation? Also doubt you're going to see a housing market crash of any significance.

[Anonymous No.22347606]

>>22346548
WHAT A TOTAL WASTE OF BREAD
It's like market buying NEC and immediately sending it to a burn address
WHAT A WASTE

[Anonymous No.22348089]

>>22347574
Scotland

Yeah I'll probably move a chunk of it into more index funds. And yeah it is after pension contributions.

Currently about 1700/month (pay parents £200 rent) do you really not see a crash happening? Furloughed ends for 9.6m in October and the banks will stop mortgage holidays, people will default

[Anonymous No.22348342]

>>22348089
£300 a month sounds like a nice trade-off to not live your parents.

You're right about defaults, but I think the change in prices will be in cities, specifically London.

350k+ people coming into the country each year is keeping demand high, supply has dropped off because of COVID and interest rates are at all time low right now, albeit mortgage providers have tightened lending.If these things continue then I dont see a crash.

[Anonymous No.22348418]

>>22346548
>>Britbong
No

[Anonymous No.22348567]

>>22348089
>scotland
whereaboot and what sort of capital do you have now? You can get cheap shitboxes in glasgow or edinburgh if you're prepared to take the junkie express for an hour a day. Not sure what it's like up north. If you've made it-made it, and your gf can work remote, you could always buy some place rural.

[Anonymous No.22348587]

>>22346548
how much is the rent?

[Anonymous No.22348754]

>>22348342
How can 350k migration continue with covid? And there's significantly less jobs vacancies now.

>>22348567
I've got like 70k

I'm not going a rough area to save a couple 100 quid.

If I go somewhere out of the city it'll be back to my hometown, not far from Glasgow and it's cheaper.

[Anonymous No.22349654]

>>22346548
>rent w gf
NO!
just save yourself the trouble

[anon No.22349751]

>>22346548
>Crash of 2021

What? Sorry, not happening. Money printer online in UK too.

[Anonymous No.22349753]

>>22346548
>I've been living with my parents for 2 years now
WHERE THE FUCK WERE YOUR PARENTS FOR THE REST OF 22 YEARS?
I'm so sorry you had to live alone, your childhood must have been very dark.

[Anonymous No.22349849]

>>22346691
> Wants to fuck all the time
It's a trap. She wants a quarantine baby.

[Anonymous No.22349878]

>>22349753
kek

[Anonymous No.22350469]

>>22346548
I’m moving in with gf next month. Feeling cozy af especially since fall vibes are coming. You should move in with yours anon.

[Anonymous No.22350601]

>>22346548
What's wrong with your plan is why do you think you can save £1400 a month of her money?

[Anonymous No.22350630]

>>22349753
I needed those happy lols
Good job!