SHEmazing!
follow us
more
 
HomeTagsPosts tagged with "mortgage"

mortgage

by

Upcycling in every sense of the word is on the rise, what with climate breakdown becoming an apocalyptic-level problem and sustainability on everyone's minds.

New One4all research shows that Irish adults are finding creative ways to make homes their own, with 48 percent of Irish people having upcycled an item from their house.

65 percent of homeowners nationwide have renovated their home, with the kitchen being the most popular part of the property to remodel. Weirdly, April is the most coveted time for home improvements.

According to the survey carried out by One4all, safety of the property is the most important factor home-dwellers in Ireland, followed by the neighbourhood in which the property is located, and thirdly, having an outdoor area or garden space.

Seeing as the housing crisis has us all feeling especially glum, most of us are comfortable with sticking where we are currently. Nine in ten of those queried claimed they 'feel at home' where they live.

Is this because they can't accord to buy another home or rent in another spot, though? Either way, Irish people are making homes their own.

While the kitchen is the most common room to be remodelled, the bathroom came in second place and the garden came in third. 

December is the quietest month of the year for home updates, most likely because of all those parties being thrown during the festive season.

The renovations lasted between one and three months for 28 percent of people, but it took between six months to a year to complete the works for ten percent of people.

44 percent of those polled say they are ‘somewhat happy’ with their home at the moment, compared with 39 percent who say that they are ‘very happy’.

Overall, men in Ireland rate their current happiness with their home higher than women do, with 86 percent of them chuffed compared to 81 percent of women.

The research states that most women would change the interior of their home if money wasn't anything to worry about, but men would choose to increase the size of their house instead.

When it comes to D.I.Y, Ireland is a nifty nation with almost 1 in 2 (48 percent) revealing that they have upcycled an old item in their home.

For most of those polled, the purpose behind their upcycling project was to make something old look nicer and new. A One4all gift card to get a mate who's gaff needs a boost would be an unreal idea.

Making something more personal was the second most popular purpose for upcycling amongst respondents, with 95 percent of those who upcycled an item saying they enjoyed the project.

 

tim reno GIF by Channel 7

Trending

by

Ah lads, if we didn't love her enough already.

Scarlett Moffatt, whose incredible relationships with her parents Mark and Betty on Gogglebox had us questioning our own, has revealed she gave them one serious present after making the big time.

The 26-year-old, who rose to fame simply by chilling on the couch with her mam and dad, has repaid their kindness over the years by paying off their mortgage on the house they live in in Durham.

Revealing all to her fellow I'm a Celebrity… Get Me Out of Here campmates, she said: "I paid off the mortgage on my mum and dad’s house for them. Oh it was the best."

"I just wrote them a letter and said, thanks for being mint, and sorry for leaving fake tan all over the house," she said. "Then I put a cheque in for them."
 

 

Me and my dad could swap heads #faceswap #dad #love

A photo posted by S C A R L E T T @scarlett_moffatt) on

And while most of us would think Scarlett went above and beyond with that one, she says she's still got more in mind for them.

"My aim is to be able to by me mam and dad a caravan. Because they've always wanted one, but they are like £20,000, and I really want to be able to buy them one," Scarlett said.

"And that's the dream, everyone wants to be able to look after their mama and dad, like they did when they were younger."

Scarlett, a favourite with the public, is currently under scrutiny after accusations she bullying fellow campmate Martin Roberts.

Trending

by

The Central Bank today announced the results of a review of its mortgage lending rules… and first-time buyers will now be able to borrow any amount with a deposit of 10 percent.

Previously, new borrowers could have been approved for a mortgage with a deposit of 10 percent on mortgages up to €220,000 only.

The restrictions were brought in early last year and were designed to rectify mounting concerns about Ireland's housing market.

However the 20 percent deposit rule will still to apply to second-time buyers.

The Central Bank will also be more open about the amount that first-time buyers can borrow, relative to their income.

Five percent of the value of new mortgage loans to first-time buyers will be allowed above the 90 percent loan to value limit, and 20 percent of the value of new lending to subsequent buyers for will be allowed above the 80 percent loan to value limit.

“Over the past 18 months, the measures have helped to ensure that those who buy homes are better prepared to manage their mortgage payments in the event of a future downturn in the economy or in the housing market,” Governor Philip Lane said.

The new mortgage lending rules come into effect in January and will be reviewed annually. 

Trending

by

Despite providing essential, often life-saving services within our health system, newly-qualified nurses in this country face low starting salaries and increasingly tough working-conditions.

Understandably, the Irish Nurses And Midwives Organisation is now desperately appealing to the government to improve pay, hours, staffing levels, and post graduate opportunities.

But while unions and politicians remain embattled, ordinary, hard-working nurses are struggling – sometimes desperately so.

Indeed, recently one nurse felt compelled to take to a Facebook page that offers support to those working in the industry.

In a powerfully penned post that has now garnered significant traction online, the unnamed mother makes her compelling argument for pay restoration – whereby the penalties inflicted on the public service sector by Troika-led austerity are eased or abolished.

The nurse has chosen to remain anonymous in order to protect her husband and children; here is an extract from her post…

I, like thousands of others, went to college for four years and got my nursing degree.

I got married to a tradesman. We got a mortgage for a three bedroomed house and we had two children. 

We could pay for our mortgage. We had one family holiday a year. We had two cars. Neither of us had new cars but the cars we bought got us to our jobs and back home again. 

We lived a normal life. Nothing fancy. But we got by. Then the banks and the government decided to gamble with our lives. My husband lost his job in the crash. 

And I was forced to take on all the bills including the mortgage. 

It was tough but I did OK. We sold my husband’s car for €3,000. We tightened our belts. 

Then the government decided to punish us even further for their mistakes. They introduced USC. Again we tightened our belts even further. My husband was getting the odd job here and there but his weekly wage was gone. We were struggling to get by.

Gone was the yearly holiday. Gone were the day trips away. Gone was the monthly night out for the two of us.

As if that wasn't enough punishment the government decided that because I'm a nurse, I must pay PRD (Pension Related Deduction). A tax that was only to be introduced as an emergency tax but for some reason we are still being forced to pay. 

We were already at rock bottom… but that destroyed us. Santa suddenly hadn't got a lot of money. Toys were second hand from charity shops. Food was bargain basement end of life food. And our mortgage? I just can't pay it any longer.

I try to pay some money off it but the money that I used to pay for the mortgage is now going to pay USC and PRD. Anything I have left is going on paying for heating, electricity and the kids’ food and schooling. Our heating is one fire in the sitting room and hot water bottles. 

And now the banks have decided that they're going to take our home. They're going to leave us homeless. I've tried to talk to them but they don't want to know. 

I've tried to come to a deal with them to pay off as much as I can but it isn't good enough. They are completely heartless. They want the house. 

We are now going through the repossession courts desperately trying to save the last thing we have left, our little family home. 

I'm used to being verbally and physically abused in my job. I'll never get used to the ward being constantly short staffed and always overcrowded though. Every working day is a nightmare but it's not as tough as constantly going hungry everyday and coming home to see my husband a shadow of his former self.

We were once just a normal couple going about our simple lives and now we are a very broken couple who are desperately trying to save the last thing we have left, the roof over our heads. 

And has our government even tried to help us save our home? Not at all. In fact they haven't even tried to stop the courts from taking our home at all and yet they are responsible for our home being taken from us.  

Have they tried to restore our pay? No. Instead they are trying to lay the blame at our feet that if they restore any of our pay that we will put this country into another recession. How dare they.

They talk about recovery non stop. What recovery? The only ones I see in recovery are the banks and all the self serving politicians! 

Not one of them have tried to help us and yet they're happy enough to hand themselves pay rises of €5,000 each. They make me want to vomit. None of them care. Not one of them. 

I'm a nurse. I'm no longer a proud nurse. I'm well and truly broken and I don't think I'll ever live a normal life again. 

I'm in tears writing this. My heart is just broken. We can't take much more. 

Trending

by

It official. Ed Sheeran is truly one of the nicest people in the WORLD.

It's recently been revealed that the signer paid off one of his friend's mortgages with a song credit.

The 24-year-old was helping his long-time friend Amy Wadge, who was struggling financially until Ed let her contribute to his last album. 

Ed revealed to the Mirror: "She was going through financial troubles about a year ago."

"She drove to my house – my album was nearly done – and she asked if I could put a song from when I was 17 on the deluxe album, so she could get a little bit of money and pay the mortgage and bills and stuff."

"While she was there, we wrote Thinking Out Loud. Now she never has to worry about money again."

Amy admitted to the Mirror that things had gotten pretty bad.

"I'm not going to lie and say things hadn't got financially difficult. My publishing advance had run out and I wasn't seeing my family at all."

And not only has she been enjoying her new-found richness – Thinking Out Loud has gone platinum three times – she's now writing for other major stars in the business like Ben Haenow and Geri Halliwell. 

Trending
© Copyright 2012-2024 - Shemazing.net. Déanta in Éirinn - Sheology.