I'm looking at moving away from the family home as I'm not getting any younger. However, I have struggled to find a compromise on a place to live. A mortgage is out of the option (too expensive and a deposit would take years to save up - need a place asap). Renting means leaving a gaff empty for half a year and still paying for it, and also leaving expensive goodies about unguarded. A large temptation for naughty scallywags.
So I ask you, great people of Officer Cadet, what do you do for housing? I must add, I'd prefer answers from those unmarried folks among us and I'm open to all alternative living ideas (except joining a cult).
Mr_Nicoll (14th January 2017)
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Why remain with parents (if possible)? As you already mentioned leaving somewhere empty for half the year isn't a good idea, you'll also have to pay council tax, utilities and everything else while your not at your home as well as any mortgage / rent... if you can avoid these then you can clearly save more! Each to their own though, I randomly look at houses / flats but so far nothing has really caught my eye.
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I appreciate the reply but for a varity of reasons I cannot continue to live at my current abode. To be completely frank a mortgage is not where I'd like to be either. I guess I am looking at alternative living arragements rather than the traditional rent/mortgage options, if these even exist? Communities for seafarers? Living on sail boats on leave? Travelling around in a camper van? etc
I was in a similar position a few years ago (albeit I was working in a different industry but still working abroad a lot of the time) and I decided to go down the houseboat route. Of course, you still have to pay mooring fees whilst away but (depending on where your boat is) it could be left in a relatively secure marina or boatyard and you should be able to arrange for someone to keep an eye on it whilst your gone. I got my boat mostly with a loan from the bank - it was an old classic steel tugboat that needed work doing to it but it was useable and had a good hull/top sides. I worked on it to tidy it up and make the layout more liveaboard friendly when I was on leave (and of course, to keep her running - no point having a boat that doesn't go!?) I lived on board for about 6 years and managed to sell for a good price - which in turn gave me a lump sum as a deposit for a house, more so than if I had just tried to save money each month! But, Be Warned, this is not the solution for everyone as there is still lots of hard work to do in maintenance etc especially if you are a one-man band as I was and its difficult to know what you can sell it for at the end but it could be an option to look into. If you do go down this route, don't buy a boat without getting it surveyed first - you don't want to spend lots of time/money on repairing the hull!
On a slightly more serious note, could you not share a flat or house with someone you know? You are still paying whilst you're away yes, but at least your stuff isn't unguarded...
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