I have been very lucky to be able to work from home and move to the middle of nowhere for a tiny deposit that I did not even have in my bank when I was approved for a small mortgage last year. Believe me, I am grateful every day that I do not have to put up with black mould and awful landlords. Nevertheless, I have worked out now that if I somehow get into the top 5% of earners for my country and even if I pay no tax, I will... have enough savings, including the increase in value on my own house minus the money I still owe, to buy a very slightly bigger house.

Imagine a salary today of £80k, maybe that grows to £110k in 15 years, then I can borrow £550k for a mortgage. By then I would have £60k left to pay on the house, and it will probably still be worth less than £200k, so call that £140k. Now, supposing in the extreme case, I can somehow move somewhere without tax and get paid a better salary, and suppose still, I can even save up £5k per month, and then if I do this for ten years, that will be £600k, maybe £800k if I can invest it competently. Supposing I do all of this, I will be able to afford a house worth less than £1.5m in 2039. You know what that is in today's money, assuming the same rate of house price inflation we have had for the last 40 years? It's £450k max. Do you know what that gets me? In the middle of nowhere, you know what that gets me? A fucking box, but don't worry, at least it has a garage! Maybe.

I don't have the privelege of being in a power couple, so everything we have, I have to make myself, and because of tax, a couple earning £30k each will earn more than me, so that's what I'm competing with, no matter how smart I am, no matter what cheats I take, no matter if I am extremely lucky and everything goes my way, I am totally average, and average in this country fucking sucks. Everyone is poor, and everything is tiny. There is no way there is this little space on this planet that we all have to be crammed together like sardines.

I will never make a significant amount of money, and I will never own a spacious home. I try so hard to think of a way I can ever make my dreams a reality, and even in this absurd scenario, it is just completely impossibe. As far as I can tell, everywhere else in the world has this problem as well, so I can't even flee the country to make my problems go away.

For me this means I am not gonna have kids either. I didn't mind growing up in small house, but guess what, now I'm an adult myself, I want to have space, and if I can't have enough space, fuck it, I'm not doing it, fuck you, fuck everyone.

Anyway, if this is the situation for me when I make up crazy unrealistic scenarios for myself, what the fuck is everyone else supposed to do?

I just want a house like you see in American movies. Fuck, I want to have a house that you see in adverts for what kitchen you should get. I want the one in the adverts for Nintendo Switch and PS VR where people can just stand up and there is space to move around. I want to be able to have different rooms for different things and not do every single activity including work, sitting and eating, in my living room. I want an office. I'm going to be 45 years old and working from home, I should have one. Is that so crazy? I just want space.

    • invalidusernamelol [he/him]
      hexbear
      8
      4 months ago

      Just borrow someone else's at market rate and take out a rentgage at 25% APR to pay the upfront cost of moving, first, last, and security deposit, then pay for renter insurance and be prepared for the lease to be renegotiated bi-monthly to bring you back up to market rate, or if you opt to share your income for an initial 10% reduction in upfront cost, re-evaluated per pay period depending on take-home pay.

  • supafuzz [comrade/them]
    hexbear
    14
    edit-2
    4 months ago

    the options are: get an inheritance, use your remote worker privilege to go gentrify a poorer country, or go fuck yourself

    we're entering feudalism with neoliberal characteristics, if your parents didn't get a house last century you don't deserve one

  • idkmybffjoeysteel [he/him]
    hexagon
    hexbear
    6
    edit-2
    4 months ago

    I just realised I can buy four houses on my block for less than £500k so I don't know why the fuck a 5 bed house costs so much money. It's insane. What could POSSIBLY be the reason for this? I can't believe I am gonna have to play this shit like monopoly. When the old lady next door kicks it I am knocking through. This is what I am talking about though, this is the shit I am compelled to dream up.