The one where Lily I discuss the best spots to buy budget interiors, how we afforded our homes and I forget to apply self-tanner past my jawbone. SOZ! Holler with any other questions you have in the comments and remember to head over to Lily’s channel to watch our Sunday Brunch Club video with the lads - https://youtu.be/FNw3xYImyVE…
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I had 3 bedroom terraced house at 20. Had no inheritance to help out. Had savings put in a new kitchen and bathroom and changed all the doors skirtings and floor coverings and redecorated it all in a year then moved in.
The more of these types of videos I watch, the more I realize that I am not the target demographic for them, though I feel like I should be. Short of winning the lottery I will realistically never be able to own a house, or even an apartment. Everyone I used to relate to keeps moving "forward" and I have to remind myself that that is just not how my life is and I shouldn't make myself feel bad. Social media is all about FOMO (cringe) and sometimes you just have to turn it off!
As someone who's parents have a hot water tap, it is one of the things I actually stop and say good bye to when I leave their house (that and the shower... I love that shower). Honestly, going back to a kettle and waiting for boiling water is such a disappointment, and I love that tap to bits
Amazing video, and quite informative (despite me having no plans to buy in the near future).
One thing I would add to Lily’s comment on the electrical is to check the plumbing if possible. The main drain in my apartment ended up breaking in my kitchen, it was a bit nightmarish....
Otherwise, yes, talking with the owners of your apartment is always a good idea! Some might allow you to change the colors, as long as you paint it white afterwards (or, in the case of my old apartment, if the next tenants are fine with a black wall, than that’s good too). Or they might come and install your frames or tablets for you to make sure it’s done right.
Honestly, just loved how this video was set up with the table in the front! I finally understand what people mean when they comment "it feels like a chat with your girlfriends" - this felt like it 100%, just sitting down and having adult stuff explained by you doesnt make it so scary anymore. xx
Loved this video so much! Love these type of serious video's next to the beauty and lifestyle vids. Very good to keep both feet on the ground and stay in touch with real life. I think you both are great examples of smart, independent and money wise women which I think we need many more of to influence our your girls!!!
Another thing about renting vs buying is my boyfriend and I have found is that our mortgage payments are about £150-£200 less than any rent we’ve ever paid. So once you’re in you might find your outgoings go down. I do feel you can tell we lived in some boring rental places because none of our walls are white...
One thing we did when we bought our house was our first offer was outrageously low, the solicitor looked at me like I’d grown an extra head when I suggested something that was nearly £20,000 less than the original asking price but it opened the doors to some negotiation and we were far happier with what we paid than we would have been if we’d jumped in at the top end. Obviously this won’t work everywhere and the house price had been lowered twice. We waited almost six months before making a move, just watching and seeing what might happen. Patience is so important when buying and doing up a house. Everything takes longer than you think!
Wild card option to consider, when buying a house choose to buy it with someone with good DIY skills if you don’t have them yourself. Excellent way of saving money if you can do lots of the jobs yourselves.
I loved this! We were the first of our group of friends to buy a house, and it felt so crazy and scary!
My partner and I actually bought a multi-unit property with another couple. It made the finances work out so much better since none of us had long work histories, and it's just been the best thing having our separate space but friends living right upstairs. We've been living in our floor of the house for 8 years, and just purchased what I hope is our "forever home." Our friends/co-owners' new house is just a few blocks from ours, so our kids can still grow up together but we have the space we need for kids' bedrooms... and my dream kitchen.
Not sure if you have this in the U.K., but for our new house we borrowed extra money for renovations as part of our mortgage. The bank has an inspector and appraiser and stuff who make sure your improvements add as much value to the house as they cost, and the inspector also makes sure the contractor does everything right. (Fixing some electric work and other things to make the house up to code were required, which is great because we knew up front how much work was needed and how much it cost.). I highly recommend it to anyone who lives somewhere you can get a house+renovation loan lumped into one.
Thanks again for sharing all this home renovation content. Picking out kitchen finishings is literally all I want to talk about, whereas I only bought like 2 beauty things all month.
I moved out my parents house a year later of finishing uni, and it was scary/exciting. Paying a 500€/month rent, which was pretty much half of my paycheck, was hard and made saving money difficult, but it definitely made me a more mature person and became aware of what actually life was like. Although I wouldn’t change what I did, I strongly recommend doing what Lily says and stay at your parents house for as long as you can and take the opportunity to build up your savings account ☺️
This was such a great video. Loved the topics. My husband and I had a small wedding but amazing and didn't actually fight once, but then again we really never do, lucky us I guess ❤ we are saving for a house and it will take time!! So worth it though.
I was 33 when we were finally able to buy a house. We bought a small, out of date place and have slowly worked on bringing it up to date over time. I had heavy school debt that has taken 20 yrs to pay, so I wasn't sure I would ever be able to own a place....but rent was more than a mortgage, so it made sense to buy.
Also check out lifetime ISAs - you have to have them for at least one year without making any withdrawals but you can save up to £4000 a year (plus 25% from the govt on top of that), which is a lot more than what you can save on the help to buy schemes! Great content!
I really want one of those taps too! I have kids and sterilised bottles in a microwave steriliser and had the perfect prep for formula so... dunno what those negative nellys are about really. Get the tap! Xx
Suzanne Watkin never understood this thing about massive/multiple fridges. Honestly, what do you have there? We were family of 3 and one normal fridge with 40% of it being freezer has always been enough. :)
I had to pause at "you can always send it back" just to say that some stores won't take furniture back if it was ordered for you. I work in a furniture shop and we carry limited stock so most items are ordered from the manufacturer and you can't just send it back if you don't want it because we've already paid for it. It depends on the item but I just wanted to make people aware of that.
Great content ladies! You are doing such a great service by discussing practical real life matters so responsibly! It's so needed in our world of showing the finished product and instant gratification. Thank you!
On worrying about buying things that will go together... I have definitely had that worry but over the last couple years I've changed my outlook from worrying that pieces will fit into some external definition of good style. Instead, I buy things I love and have decided that what holds different pieces together is their shared reflection of my personal style.
Awesome video! Really loved it. It is something I have been imagining for years now but because the market in Sydney is completely insane, my partner and I would have to save way more than we even earn in a year in order to ever put a deposit down on a house, so it's a lost hope for so many people in my generation in Sydney! So sad! Fingers crossed one day the market changes so we don't only have the inheritance option to own property :(
Thank you so much for touching on the saving and living with parents aspect, I feel much better knowing that you went through this too. I'm 23 and didn't even go to uni and I'm feeling really self conscious about living with my parents because I can't afford to move out even if I rent and all my energy is going into earning more and saving up for a place at the same time. It seems like a lot of "grown ups" who are close to paying off their mortgage are completely unaware of how difficult it is to buy for young people these days, especially singles, which is really frustrating to listen to and I feel so much better knowing that you went through the same thing and found the light at the end of the tunnel. Thank you ❤️
I will be graduating this year and starting work in a completely new city. I know I will be there for two years (I'll be doing my two FY years in the local hospital), but don't know where I will be after then as it depends on where I do my speciality training. I've got my student loan to pay back, and I owe my parents some money from when they helped me out with various things at uni. I don't know yet how much I will be earning, and I have no savings, as I've always struggled for money at uni. Saving money is going to be a completely new experience for me. I don't even know what percentage of one's salary people normally save! Definitely going to have to do some research before I start working.
I've watched yours and Lily's channels for years and I love that it went from you guys teaching me what concealer is to sharing about your weddings, honeymoon and renovations. Can I just say I really appreciated the "money-real talk" part? It was really refreshing and down to earth. I'm about to finish med school and I just cannot wait to get to the point where I'm gonna finally start earning and save money, rent and one day even buy a house. It's kind of scary because part of me thinks "how in the world am I going to get to buy a house?!", but I try not to panic and keep my eyes on the prize XD
just got my mortgage accepted. NatWest said you need to have 6 months continuous employment. I graduated less than a year ago and I am really on the border of the 6-month mark. again I was "lucky" with inheritance. but jeez the costs add up, solicitors, surveys and product fees. I will be so happy when its over.
Julieta Evia Because while some would say they were lucky to get money in the inheritance, it was very UNLUCKY that they had to lose someone they loved in order to get the money. “Lucky” that they got money that put them financially ahead, but very unlucky that it was through a death.
We bought our first home last year (I’m 20!) but we lived with my gran and put all of our money into savings to afford a deposit (plus I live in the Midlands with normal house prices) we don’t have the money to renovate and aren’t necessarily in the area we want to be in, but we’re paying a mortgage whilst I’m at uni so hopefully we can move when I qualify and have a proper home to do it. Everyone does it differently. Love hearing your stories xxx
Have literally never thought about whether anything in my home is fashionable!? I don't even know what is fashionable home-wise 😂 If I like it, it's going in and staying there! Also my tip is to get a part or semi furnished house if you're renting. You'll probably get a bed, some sort of wardrobe storage, a desk if it's a student set up, white goods and maybe a sofa. I did this a few times and it means you've got the basics provided but a bit more scope for putting your own stamp on things! Great video!
Love your point of view on things Anna. Like when you said you and Mark shared jobs and talked about what you BOTH wanted. It's both of your house so you definitely need to compromise. Don't really know what my point is here but just wanted to comment.
I feel like this whole "buying a house in your twenties" is a real brittish thing. Here in germany i know no one in my age group (around thirty) planning to buy. Totally happy for you two, of cause, but this seems like a real cultural difference to me. There might be fellow german viewers, who will correct me ;)
I don't know how much would a rent be in Germany but in London if you want to rent a two or three bedroom flat (if you have a child let's say so you need more than a studio flat) you would end paying even far away from central London something like £ 1500 a month. Renting prices are INSANE in this city, and it looks like a really big waste of money to me, especially because loads of houses are very old and horrible and you can't even renovate it if is not yours
Love this video! So difficult to discuss 'how I afforded to buy'. I think it's about compromise / luck. My husband and I are lucky enough that out families live in Surrey so when we finished uni we both went back home. There were times we could have decided to rent but we would not have afforded to save. It was then 2 years of HARD saving. We set a target a month that was manageable and didn't mean could never leave the house again and stuck to it. 2 years later we had the deposit for our flat. It was definitely worth it, but by no means easy. 2 and a half years later we are about to start saving again for stamp duty for our next move up the ladder.
Hi Anna! Loved this video, I've finally settling down and getting into furnishing so this was on point! The link to Lily's video is taking me to a social sharing website called RhythmOne, so not quite a Sunday Brunch club?
Really enjoy both of your channels :)
I've been watching you both for YEARS (2012 maybe, I was 22 then) and I love how both of your channels have evolved, touching on things that are relevant to people our age! Thank you both for content like this! 💙
As the parent of a child working and paying rent I think it’s only fair that he contributes to the costs of running the house. I have a mortgage, bills, taxes to pay. It’s still much cheaper for him than moving out, which he’s welcome to do if he thinks it’s unfair
I spend more money on classic designs and just go for cheepish-ikea for trend items.
oh and I hate underfloor heating. I like that there are no ugly radiotors but my feet are so itchy and I have to wear shoes indoors.
Loved that video so much! And would highly appreciate if you did any kind of tips for saving video or something... Currently feeling low on budget and inspo because we're about to have a baby and fat chances that we'd be able to save anything for next few years -__-
Download the appropriate system image for your device below, then unzip it to a safe directory.
Connect your device to your computer over USB.
Start the device in fastboot mode with one of the following methods:
Using the adb tool: With the device powered on, execute:
Using a key combo: Turn the device off, then turn it on and immediately hold down the relevant key combination for your device.
If necessary, unlock the devices bootloader using one of the following methods:
If you are updating a Nexus or Pixel device that is manufactured in 2015 or later (for example, a Nexus 5X, Nexus 6P, Pixel, Pixel XL, Pixel 2 or Pixel 2 XL device), run this command:
For Pixel 2: To flash the bootloader, Pixel 2s boot loader must be updated to at least Oreo MR1s version first. This may be done by applying an over-the-air (OTA) update, or sideloading a full OTA with the instructions on that page.
For Pixel 2 XL only with loader version prior to TMZ20a: the critical partitions may also need to be unlocked before flashing. The unlock can be performed with this command, and should NOT be done on other devices:
If you are updating an older device, run this command:
The target device will show you a confirmation screen. (This erases all data on the target device.)
See Unlocking the bootloader for more detailed instructions.
Open a terminal and navigate to the unzipped system image directory.