10,000 then you could think about the person and if car needs another 1,000 pound fix

that's why I want to buy a new car if you are you saving after a house and if you want to know what

I think everybody who's got success and looks more like on top of things because they've got

a goal then they go for that one I'm not saying anybody I know in particular but in general it's

like this then who was I really want to buy a house to drive a shit car because

or they want to drive nice car and they're always living ready yeah or they want to go on lots of

exotic holidays to Thailand and stuff and then they don't have a house you know you can't have

everything and we both feel like that one week oh this year I don't care I'm just going to travel

and the next time I really want a BMW and then the next thing now this is silly because when

we're old we would regret it if we didn't have a good house you know so it's like yeah but it's

annoying because

you need to travel while you fucking know I know that's the annoying thing of life

well at least have the goal and then plan it okay we could spend 2,000 this year on a holiday

holidays like I mean budget for other yeah yeah but could you help for example if we do

together for example of course it makes cost half yeah uh yeah exactly and with the income

like yours and mine should be we could say much more I know but have to do

less shopping less uh cost of less wine less me electronics

I know because they're all gone in the car yeah and the other thing about I have to buy the people

who regret it is one thing saving the other one is you save and then you get that scheme

they're all regret because if the example if you want to buy that house for a hundred thousand

you've got only ten the bank says no you need to have 40 to buy it so instead

you put the 10 and there's a loan from the government it's supported by government they

give you 30 loan then you've got 40 and then the bank lends you 60 000. but that's 30 you don't

own it the government knows it and it doesn't matter too much because you get 10 years after

10 years you have to pay it back really yeah it's not gift yeah you get some gift from them

you get somewhat you can do that with the savings but if you can't but my point is if you can't save

to start with it doesn't matter you can start just by saving in your bank account and after a year

okay you can move it to that one it doesn't matter that's true but the reason we don't

have that is only because we haven't said not because we didn't open their account

but then who did that say okay you own the house except 30 000 you borrowed from the government

the government owns 30 but after 10 years the house is not 100 000 anymore it's 200.

then they have to pay back the government not 30 or 60 because the government

you pay back 30 of the house they send someone evaluate look at the right move and say that house

is worth more now yeah no because you're not buying the whole house yeah yeah but it's not that bad

because you could then you could get a bigger house than you could afford for example even if

you've got a good one good even if you've got 50 000 you could still use that scheme for another 50

000 house but the thing is in this country the big houses the price of houses goes up that's why

the old people are millionaires that's why you buy the house for if you bought a house 10 years ago

there was 100 definitely it's 200. especially in this area in London it's been like that my

dad came to England 1974 and he stayed with his uncle and next door was a house in Kensington

Kensington where the museums are you know how posh is there and the house was big and his parents

said 20 000 to go and start studying life in England you have 20 000 in his pocket and the

house was concerned for 8 000 and his uncle told him if you could ever buy that house next to me

yeah you could buy it with cash yeah right from the bank direct and he said I don't like this

boring here I'm young I don't want to buy a big house in Kensington you could buy that house for

eight thousand eight thousand pounds but nobody thought like that because house was cheap yeah

like a car

same like a car and now you know how much is a house in Kensington 35 40 million happened in Spain

because my granddad was going to Spain every year when his mother died he inherited money like I

don't know 30 40 000 less than where the money was worth more and he was friend with the guy who

was doing this the man who was renting them the apartment say he was from Birmingham and he had

like 20 apartments there