Guys, I've just realised I got my starting salary wrong despite trying to remember as best as I could! When I began saving up for my deposit, I was actually on *£38k* (and then by the time I finished saving up I was on £48k like I mentioned in the vid). I'm SO sorry for the mix-up- I literally pulled out my old employment contract this afternoon to triple check. Anyway, I hope that doesn't take away from the message of the video- you can do this as a solo buyer! x
No they mostly can't... not many bw will increase their salary to 48k in a short space of time.. you are selling a great difficulty to other women...see the data for median wages for bw... the advice should be find a partner... unless person is a high earner (although 48 is higher than the average, it is still not enough to financially be totally responsible for a mortgage)... most scrape the money for this single independent bw journey...they often do not have a decent emergency fund... nor contingency plans for interest rate hikes)...in this world today... if a woman is not in the top 5% of earners... to get from one end of life to the other .requires 2 salaries... we are going to have a disturbing increase of strong independent bw that don't have children...and that will have poor pension pots due to doing everything on their own... Kevin Samuels youtube channel addresses this with brutal honesty... and with data and statistics to back up every claim...
@@imsk6729If you’re dependant on finding a partner to start your own savings, that’s not attractive to no man. So even if you want to believe it’s only possible with a partner, you should still be saving and keeping your own life in check.
@@imsk6729 Please stop projecting. If this video isnt for you then fine but there are plenty of us bw who are in the position to buy alone so this video is helpful.
Good advice! I was a solo buyer even though I am in a relationship because I wasted too many years waiting to buy with exes who promised to buy with me then broke my heart but God is good and I have a beautiful house now 😊.
Yes, hun. We just have to take things into our own hands when it comes to things that can end up changing the trajectory of our future- if someone joins us on the journey then great. If not, we're not at a loss! God is good, indeed!! x
This is me right now after being with my partner 16 years, we are still living in his house. I'm done, and am starting to try and save but it is a very slow process as I don't earn a lot.
I’ve started saving and have got £20k in 7 months so far. Sadly and heartbreaking as last week I got dumped by my fiancé of 6 years. So I’m doing this by myself. You are so inspiring
I was looking at houses with my partner after saving together for the last two years and he ended our relationship last month. You’ll get there and so will I haha 😊
See my comment under channel pinned comment... I am a parent of adults and would never advise solo buying unless on a high salary... 50k plus and even that is not enough... see the data for median wages for bw)... also see some Kevin Samuels videos - Winter is coming video...
@@imsk6729Why do you keep on about the median wages for bw??? Clearly there are some of us who can buy alone so take a break and keep your pessimistic views to yourself. Thanks
Yesss!! So glad I found this. I finally decided to just get to get my 1st house 🏠 regardless of my relational status. I always thought I should wait until I got married, but no more!
Saw this just as we are about to go into the second half of the year. Couldn’t me more grateful for this video bringing back to mind the goals I set at the start of the year
You're welcome, Chris! More of us need to be sharing HOW we actually achieved what we did in my opinion, so the rest of us know what's realistic. I'm glad to hear it! I'll be making more videos about beast mode saving soon!
Well done for setting a goal and sticking to it! it's nice to hear your testimony of answered prayer! God is good and gave you more than what you were expecting! 🙏🏾
house prices are rising very high at the moment and I think the biggest issue is not just having the deposit to purchase the home, but it is also to have enough saved up to be able to renovate the home. After paying the mortgage, and bills, it would be hard to save up the excess once a home is purchased. It's a very difficult situation, especially if someone like me is earning very low at the moment. Thank you for the video, it is very inspiring and I can relate very much to the situation you was in 'before'.
Eventhough you didn't buy as a solo buyer, its good you had the mindset to buy independently. I am single and have been saving for like 6 years, putting nearly 50% of my salary into savings as I really really want my own house and start to have a financial asset and start wealth building. I didn't want to wait for a bf or fiance to come along as a joint buyer when I ain't getting younger! It's true, you don't know what life throws at you. I'm nearly at 40k and have been looking to buy for a while, however it's not easy as there is too much competition! Solo buyers are disadvantaged against couples in my opinion.
Well done for your discipline, consistency, and perseverance! ❤️ Yes, it seems like with every year that passes by it gets harder and harder (not to dishearten you). Have you considered viewing properties with a pretend partner, if you think sellers treat you differently as a single person? I wish you all the best though with your property-buying journey! It isn't 'easy' but you can do it!!
The sad thing is.. this message is harmful to the majority of single women...especially single bw... most do not have salaries that can afford house buying alone...the world we live in today encourages the opposite... (independent bw don't need a man) whilst other groups/races... do things the right way... the find the partner first... get married...buy the home together before having a family if they choose... there are a plethora of single bw that will not get married... they will but a dog... Kevin Samuels (late)
Amazing achievement to do that in 2 years. Im on a similar salary and hoping to buy a house at the end of next year. Very difficult as I’m currently renting and investing at the same time.
You can do it, hun. I decided to delay investing during my saving period just so I could save as much as possible. I also decided to reduce my rent (by moving back with my parents entirely- I still paid a small amount each month for living there). Keep going, though. Keep your eye on the prize x
Everything you saying is spot on . In regards to the god helps you beyond your imagination is also very true . My question is why determined warriors like yourself and me and so many similar mindset never meet , but meet losers who choose to fail in this life
Literally just stumbled on your video as it’s the only one I found that specifically talks about solo first time buying. I feel like God led me here, as you gave me the reassurance I was searching for. I’m currently saving 1k a month out of a 24k salary (which I hope to increase this year through promotion or moving jobs). I’ve already saved 10k but know I’ve got a few more years to get up to the 40k goal. Before saving, I was always in the mindset that buying houses were for couples and something to be considered only if you have a partner. I’m 27, and I’ve been single for a while now and thought I need to do this for myself to try and gain some independence as a young adult (I currently live with my parents). But as you say, who knows God might throw me a curveball like a partner who I can do all this with 🙏🏻❤️ Either way the money will benefit me alone or together with them. So I’ll keep saving for the future ahead whatever it maybe.
Hey sis. Yes- definitely strongly consider moving jobs if you don't get that promotion. Well done for saving 10k so far!!! Hopefully you're using a Lifetime ISA so that you get the £1000 bonus per tax year from the government? Yes, even if you choose to continue living with your parents after buying your house, it's definitely a great move investment wise (you can decide to live in the house for a few months and then move back home and rent it out)- don't quote me on this but I think it's easier to get an investment mortgage that way as a first time buyer. Yes, you really never know- people meet and get married to their spouses in less than a year sometimes, so just do what you need to be doing and leave the rest to God- trust Him. Agreed!!! Well done!!!! You're doing amazingly so far!
@@TheWellnessAbbey I pray for my King also......I'm on my savings journey solo....feels lonely the long climb, but I'm believing in God and myself at the appointed time all will fall into place.....whether that's house as a solo buyer, and then my King comes, or jointly buying......pray I cross your path one day also to hear more from you in person, God bless you, your home your marriage and union and your legacies x
Amen x I think being open like you're doing is the key here. We're relying on God vs relying on man. We know God will see us through either way. Thank you so much, sis, and amen xxxx
You would need a salary of almost 4 grand per month after tax, to make this sacrifice for 40k in about 3 or 4 years. You would need to save half that annual salary to get that type of money in few short years. There are several problems with that. most people in the UK do not earn 40K a month. This is rather in the high bracket. It is also assumed that you must pay rent or have somewhere to stay which can cost well over 1000 pounds, daily expenses and bills not included. these can cost you more than 1000 pounds. Even at this conservative spending which in actuality is far more, one would find 40 grand pretty difficult to save. If on a salary of 35 k, the pensions, taxes or ect... must be accounted for because your take home pay will be much less.If you factor in kids and partners in the calculations, spending would go up substantially making things even more difficult.I think we need to listen but be quite realistic with what is being portrayed here.
agreed, so if one is desperate to save up the deposit in a couple of years I suggest desperate measures- i.e. moving back home with parents/family (even if relationships are fraught; I've seen families with kids do this just so they should save, even if it caused overcrowding issues), working on increasing your salary, reducing your rent (e.g. renting a room instead of a house, or a much smaller & dated house), drastically reducing expenses etc. Even if we all can't do all of these things, there are many things we can do to reduce our expenses, which inevitably helps. Also, don't worry about other people's timelines- just create one for yourself and keep your eyes on that (on what's realistic for you).
I found your channel through searching about how to get on the home ladder. I’m a single mum of one and I’m 43 years old. I am lucky to live in a housing association property, however, I want to move and buy my own home. Do you think it’s too late for me? Am I too old? Any advice on this I’d be grateful. Good on you for saving too and your home looks great. ❤
❤ That's amazing that you're trying to do that (IMO anyway!). Yes, that is a blessing- you're right. I know someone who is a similar age to you who's just recently bought their first property and life definitely isn't about who's able to do it first, second, third etc. I wish we all didn't feel so much pressure- I don't think it's 'too late' for you- the only thing that comes to mind is that the older we get the shorter our mortgage product may be e.g. I don't know what the chances are for someone in their 50s to get a 25-year mortgage for example, as lenders probably won't assume we'll still have an income in our late 60s and 70s- they may reflect that on the interest rate they quote and/or the length of the mortgage product (e.g. give you a 20 year one (or even shorter) vs a 25 or 30 year one), but in my opinion (you'd have to get legal advice on this) is that being in your early-mid 40s the above may not impact you- it will really depend and a mortgage broker can explain & advise on it. Ah- thank you!!!
@@TheWellnessAbbey you are good to reply and give advice. I'll speak to a broker and see where I stand. Keep going with your channel and hope it grows 👍
That is HUGE! Massive well done, I remember your videos on savings. I am sooo happy for you! It is possible massive well done. I love the mindset you had! I am sharing this video with the girls! God is good!
Is it really "adulting" if you saved the money by living rent free with your parents? Sorry, happy for you, but most people don't have the option of living with parents. If you saved a deposit by living with your parents, that's not too dissimilar to having the ease of a joint mortgage with a partner, cause it gives you a huge advantage over people who are living independently. I saved a 93k deposit over 10 years, that was whilst I was paying between £600 and £900 a month in rent, and for the majority of the time my main salary was less than yours, a lot less. I had to work 3 jobs seven days a week for three years to save the deposit in that time, otherwise it would have taken me even longer. Even at the end of all that, all I could afford was a 1 bedroom flat in Surrey.
I get you. I didn't live rent free with them though, but yes, it was heavily subsidised. Yes, I agree mate- it makes it substantially easier to save the deposit. You've done really well, and I commend your for that! Even though the 1 bedroom flat doesn't seem like much now, you'll probably be very happy when you sell it or rent it out.
This why the encouragement to women that they can buy solo is damaging... most bw will suffer doing this...and most do not have the salaries to maintain a mortgage (see data on median wages for bw)... most will not have a quality emergency fund and most will struggle when large expenses occurr...I mostly see bw doing this...other races find partners...mesh lives together and build families from the start.. but this independent bw farce will see some struggle lives...and barely basic pension pots...
@@imsk6729 will you stop it? We know it’s hard for us as black women to buy homes solo. That’s why we are on her channel, looking for encouragement and motivation. Just because something is hard doesn’t mean it’s impossible, we know the statistics and we still choose not to settle for less, so leave us in peace ✌🏾
I have ADHD I couldn’t stand voice tone & ammmm ummmm of people 😢. Voices irritate me if not spoken in certain way 😢. Ur voice was soothing, I could hold my ADHD & i could watch your full video. Thank you. I am a solo girl too & at this stage of life, I have no friend, no bf…I am loosing my motivation. So just trying to gather what’s left in me through getting motivated by single girls life. That’s how I found your video. 😢
Ah, thank you!!! Don't lose motivation, sis. Every time you feel it waning, do something that re-motivates yourself. Hopefully you're also using something like a visual saving tracker that reminds you of your progress each time you look at it. xx
Amen- that's the BEST course of action to take- leave it in His hands (and part of that is also being a good/better steward of your personal finances as the bible encourages) x
Thank you so much for this video Rachel! I really do believe God led me to your video to get my spirits back up and keep trusting that I will reach my goal of owning my own home and that He will provide all I need. God bless you and thanks again! 🙏🏾
I did what is often the hardest part of getting on the property ladder by myself (saving up the hefty deposit) with the intention of seeing the buying process through as a solo buyer. If no encouragement can be gleaned from that then that's a shame. I understand your comment but don't agree that I shouldn't still try to encourage solo buyers just because God changed my circumstances at the end.
@IntentionalAdulting your advise will lead bw down the life of struggle... if they are not in the top 1-5% of earners... they are not in any position to buy solo... if they research data for median wages for bw... the vast majority (95% or more)...do not have a salary high enough to buy prepoerty... even you would have had a life of financial hell... the world we live in today (economically) is Set up for 2...not 1... majority of women from other groups find husbands first...mesh their lives together and they buy homes...with 2 salaries...which is needed more than ever...unless the solo buyer earns well in excess of 50k...has a very decent emergency fund and can independently cover all costs and this includes maintenance and major repairs... I observe women from other groups and see how back to front we really are...
@@imsk6729 Nothing wrong with buying a house on your own. Different videos of youtube show people buying properties on your own. You have to be able to budget but that is regardless of your marital status.
no you don't hun. You just need to save how much you'll need to buy the property type you want (minus the average house price from the amount of mortgage a lender is likely to give you)- those two factors will determine how much you'll need to save. There are also a few schemes for first time buyers around that either help boost savings or that help with the finances itself x
I came here for advice about being a single first-time buyer, and what I received was a sermon about God from somebody who didn’t even buy a house on their own. Change the title, total waste of my time.
Sorry forgot to add- I applied for a promotion and then after that got the regular annual salary increases which turned out to be quite substantial increases (in my opinion) after the promotion. I'll be detailing all of my HR salaries in an upcoming video x
Guys, I've just realised I got my starting salary wrong despite trying to remember as best as I could! When I began saving up for my deposit, I was actually on *£38k* (and then by the time I finished saving up I was on £48k like I mentioned in the vid). I'm SO sorry for the mix-up- I literally pulled out my old employment contract this afternoon to triple check. Anyway, I hope that doesn't take away from the message of the video- you can do this as a solo buyer! x
No they mostly can't... not many bw will increase their salary to 48k in a short space of time.. you are selling a great difficulty to other women...see the data for median wages for bw... the advice should be find a partner... unless person is a high earner (although 48 is higher than the average, it is still not enough to financially be totally responsible for a mortgage)... most scrape the money for this single independent bw journey...they often do not have a decent emergency fund... nor contingency plans for interest rate hikes)...in this world today... if a woman is not in the top 5% of earners... to get from one end of life to the other .requires 2 salaries... we are going to have a disturbing increase of strong independent bw that don't have children...and that will have poor pension pots due to doing everything on their own... Kevin Samuels youtube channel addresses this with brutal honesty... and with data and statistics to back up every claim...
@@imsk6729If you’re dependant on finding a partner to start your own savings, that’s not attractive to no man. So even if you want to believe it’s only possible with a partner, you should still be saving and keeping your own life in check.
@@imsk6729 Please stop projecting. If this video isnt for you then fine but there are plenty of us bw who are in the position to buy alone so this video is helpful.
Good advice! I was a solo buyer even though I am in a relationship because I wasted too many years waiting to buy with exes who promised to buy with me then broke my heart but God is good and I have a beautiful house now 😊.
Yes, hun. We just have to take things into our own hands when it comes to things that can end up changing the trajectory of our future- if someone joins us on the journey then great. If not, we're not at a loss! God is good, indeed!! x
Most importantly he can’t kick u out always buy alone and buy more together that’s where women go wrong everytime
This is me right now after being with my partner 16 years, we are still living in his house. I'm done, and am starting to try and save but it is a very slow process as I don't earn a lot.
I’ve started saving and have got £20k in 7 months so far. Sadly and heartbreaking as last week I got dumped by my fiancé of 6 years. So I’m doing this by myself. You are so inspiring
Sorry to hear that, Lainee. Well done for saving the money you have- your future will thank you!!!
I was looking at houses with my partner after saving together for the last two years and he ended our relationship last month. You’ll get there and so will I haha 😊
See my comment under channel pinned comment... I am a parent of adults and would never advise solo buying unless on a high salary... 50k plus and even that is not enough... see the data for median wages for bw)... also see some Kevin Samuels videos - Winter is coming video...
@@imsk6729Why do you keep on about the median wages for bw??? Clearly there are some of us who can buy alone so take a break and keep your pessimistic views to yourself. Thanks
20K saved in 7 months is £667 per week - doubtful
Yesss!! So glad I found this.
I finally decided to just get to get my 1st house 🏠 regardless of my relational status.
I always thought I should wait until I got married, but no more!
Well done, Lisa, and yes- no more waiting!!!!! Go for it!
Saw this just as we are about to go into the second half of the year. Couldn’t me more grateful for this video bringing back to mind the goals I set at the start of the year
The house looks like it’s coming along well. You were dedicated with saving. Buying solo was a challenge, but I did it!!
Thank you! Yes, you did very well for yourself!!!! Do you think you'll ever share your journey on your channel?
Thank you for your transparency. Your story has energised me to start buckle down and start saving again, as well as trying to up my salary x
You're welcome, Chris! More of us need to be sharing HOW we actually achieved what we did in my opinion, so the rest of us know what's realistic. I'm glad to hear it! I'll be making more videos about beast mode saving soon!
Well done for setting a goal and sticking to it! it's nice to hear your testimony of answered prayer! God is good and gave you more than what you were expecting! 🙏🏾
Ah, thank you! Xx Yes, God definitely expedited and helped me throughout the whole process. We give thanks! 🙏🏽
yes, the mindset of putting my goal of a small home and stability FIRST is what is different this time around
Well done!!!
house prices are rising very high at the moment and I think the biggest issue is not just having the deposit to purchase the home, but it is also to have enough saved up to be able to renovate the home. After paying the mortgage, and bills, it would be hard to save up the excess once a home is purchased. It's a very difficult situation, especially if someone like me is earning very low at the moment. Thank you for the video, it is very inspiring and I can relate very much to the situation you was in 'before'.
Eventhough you didn't buy as a solo buyer, its good you had the mindset to buy independently. I am single and have been saving for like 6 years, putting nearly 50% of my salary into savings as I really really want my own house and start to have a financial asset and start wealth building. I didn't want to wait for a bf or fiance to come along as a joint buyer when I ain't getting younger! It's true, you don't know what life throws at you.
I'm nearly at 40k and have been looking to buy for a while, however it's not easy as there is too much competition! Solo buyers are disadvantaged against couples in my opinion.
Well done for your discipline, consistency, and perseverance! ❤️ Yes, it seems like with every year that passes by it gets harder and harder (not to dishearten you). Have you considered viewing properties with a pretend partner, if you think sellers treat you differently as a single person? I wish you all the best though with your property-buying journey! It isn't 'easy' but you can do it!!
The sad thing is.. this message is harmful to the majority of single women...especially single bw... most do not have salaries that can afford house buying alone...the world we live in today encourages the opposite... (independent bw don't need a man) whilst other groups/races... do things the right way... the find the partner first... get married...buy the home together before having a family if they choose... there are a plethora of single bw that will not get married... they will but a dog... Kevin Samuels (late)
Amazing achievement to do that in 2 years. Im on a similar salary and hoping to buy a house at the end of next year. Very difficult as I’m currently renting and investing at the same time.
You can do it, hun. I decided to delay investing during my saving period just so I could save as much as possible. I also decided to reduce my rent (by moving back with my parents entirely- I still paid a small amount each month for living there). Keep going, though. Keep your eye on the prize x
Everything you saying is spot on . In regards to the god helps you beyond your imagination is also very true . My question is why determined warriors like yourself and me and so many similar mindset never meet , but meet losers who choose to fail in this life
Hey! Interesting question. What's your definition of failure?
Saving a deposit is very hard, but if you are determined and single minded it can be done.
Agreed- if we're on a "low" or "regular" salary it is very hard but "all" it takes is determination and single-mindedness as you say x
Well done! Thank God you’re not buying now. The mortgage rate is crazy presently.
Literally just stumbled on your video as it’s the only one I found that specifically talks about solo first time buying. I feel like God led me here, as you gave me the reassurance I was searching for. I’m currently saving 1k a month out of a 24k salary (which I hope to increase this year through promotion or moving jobs). I’ve already saved 10k but know I’ve got a few more years to get up to the 40k goal. Before saving, I was always in the mindset that buying houses were for couples and something to be considered only if you have a partner. I’m 27, and I’ve been single for a while now and thought I need to do this for myself to try and gain some independence as a young adult (I currently live with my parents). But as you say, who knows God might throw me a curveball like a partner who I can do all this with 🙏🏻❤️ Either way the money will benefit me alone or together with them. So I’ll keep saving for the future ahead whatever it maybe.
Hey sis. Yes- definitely strongly consider moving jobs if you don't get that promotion. Well done for saving 10k so far!!! Hopefully you're using a Lifetime ISA so that you get the £1000 bonus per tax year from the government? Yes, even if you choose to continue living with your parents after buying your house, it's definitely a great move investment wise (you can decide to live in the house for a few months and then move back home and rent it out)- don't quote me on this but I think it's easier to get an investment mortgage that way as a first time buyer. Yes, you really never know- people meet and get married to their spouses in less than a year sometimes, so just do what you need to be doing and leave the rest to God- trust Him. Agreed!!! Well done!!!! You're doing amazingly so far!
Thank you so much for this video. You have no idea how much this means to us ❤
You are so welcome! ❤️
Thank you I relate to everything you have said and God is good....thank you for your testimony 🙏 x
You are so welcome!!!
@@TheWellnessAbbey I pray for my King also......I'm on my savings journey solo....feels lonely the long climb, but I'm believing in God and myself at the appointed time all will fall into place.....whether that's house as a solo buyer, and then my King comes, or jointly buying......pray I cross your path one day also to hear more from you in person, God bless you, your home your marriage and union and your legacies x
Amen x I think being open like you're doing is the key here. We're relying on God vs relying on man. We know God will see us through either way. Thank you so much, sis, and amen xxxx
I started saving it too✨️💞❤️ thanks for the words of encouragement
You're so welcome!! Starting is a MAJOR step.
Great video. This is so inspirational 😊🙌
Thanks, Lauretta! Pleased to hear!!
Love this video! ❤️ It's given me hope and helped me focus again 🙏
So glad to hear it, hun! xx
I love your voice and your energy! 🥰 Thanks for making this video. God really is good! 🙏
Thanks, hun!!! Amen- He is indeed!!! x
Thank you for sharing this nugget of wisdom 🥰🥰🥰
You're welcome!!
You would need a salary of almost 4 grand per month after tax, to make this sacrifice for 40k in about 3 or 4 years. You would need to save half that annual salary to get that type of money in few short years. There are several problems with that. most people in the UK do not earn 40K a month. This is rather in the high bracket. It is also assumed that you must pay rent or have somewhere to stay which can cost well over 1000 pounds, daily expenses and bills not included. these can cost you more than 1000 pounds. Even at this conservative spending which in actuality is far more, one would find 40 grand pretty difficult to save. If on a salary of 35 k, the pensions, taxes or ect... must be accounted for because your take home pay will be much less.If you factor in kids and partners in the calculations, spending would go up substantially making things even more difficult.I think we need to listen but be quite realistic with what is being portrayed here.
agreed, so if one is desperate to save up the deposit in a couple of years I suggest desperate measures- i.e. moving back home with parents/family (even if relationships are fraught; I've seen families with kids do this just so they should save, even if it caused overcrowding issues), working on increasing your salary, reducing your rent (e.g. renting a room instead of a house, or a much smaller & dated house), drastically reducing expenses etc. Even if we all can't do all of these things, there are many things we can do to reduce our expenses, which inevitably helps. Also, don't worry about other people's timelines- just create one for yourself and keep your eyes on that (on what's realistic for you).
I found your channel through searching about how to get on the home ladder.
I’m a single mum of one and I’m 43 years old.
I am lucky to live in a housing association property, however, I want to move and buy my own home.
Do you think it’s too late for me? Am I too old?
Any advice on this I’d be grateful.
Good on you for saving too and your home looks great. ❤
❤ That's amazing that you're trying to do that (IMO anyway!). Yes, that is a blessing- you're right. I know someone who is a similar age to you who's just recently bought their first property and life definitely isn't about who's able to do it first, second, third etc. I wish we all didn't feel so much pressure- I don't think it's 'too late' for you- the only thing that comes to mind is that the older we get the shorter our mortgage product may be e.g. I don't know what the chances are for someone in their 50s to get a 25-year mortgage for example, as lenders probably won't assume we'll still have an income in our late 60s and 70s- they may reflect that on the interest rate they quote and/or the length of the mortgage product (e.g. give you a 20 year one (or even shorter) vs a 25 or 30 year one), but in my opinion (you'd have to get legal advice on this) is that being in your early-mid 40s the above may not impact you- it will really depend and a mortgage broker can explain & advise on it. Ah- thank you!!!
@@TheWellnessAbbey you are good to reply and give advice. I'll speak to a broker and see where I stand.
Keep going with your channel and hope it grows 👍
@@rainbowvisionart8025 Thank you so much, and you're welcome!!! xx
Amazing advise 💯🔥
Glad it was helpful!
First Comment 👏🏾👏🏾👏🏾
You Look Soooo Cuteee
Amazing Video
You Always Inspire Me
Ah, thanks very much, Sammy! Glad these videos are inspiring.
@@TheWellnessAbbey 💜💜
Thank you for the tips really appreciate it.
Solo Buyers get 100% equity. Partnered Buyers is 50% equity default.
That is HUGE! Massive well done, I remember your videos on savings. I am sooo happy for you! It is possible massive well done. I love the mindset you had! I am sharing this video with the girls! God is good!
Thank you, hun!! Praise God- He made it all possible. Mwah- thank you, sis xxxx
Great encouragement
Well done!
Thank you!
Is it really "adulting" if you saved the money by living rent free with your parents?
Sorry, happy for you, but most people don't have the option of living with parents. If you saved a deposit by living with your parents, that's not too dissimilar to having the ease of a joint mortgage with a partner, cause it gives you a huge advantage over people who are living independently.
I saved a 93k deposit over 10 years, that was whilst I was paying between £600 and £900 a month in rent, and for the majority of the time my main salary was less than yours, a lot less. I had to work 3 jobs seven days a week for three years to save the deposit in that time, otherwise it would have taken me even longer. Even at the end of all that, all I could afford was a 1 bedroom flat in Surrey.
I get you. I didn't live rent free with them though, but yes, it was heavily subsidised. Yes, I agree mate- it makes it substantially easier to save the deposit. You've done really well, and I commend your for that! Even though the 1 bedroom flat doesn't seem like much now, you'll probably be very happy when you sell it or rent it out.
@J Lang, I am PROUD OF YOU! It ain't easy out here!
This why the encouragement to women that they can buy solo is damaging... most bw will suffer doing this...and most do not have the salaries to maintain a mortgage (see data on median wages for bw)... most will not have a quality emergency fund and most will struggle when large expenses occurr...I mostly see bw doing this...other races find partners...mesh lives together and build families from the start.. but this independent bw farce will see some struggle lives...and barely basic pension pots...
@@imsk6729 will you stop it? We know it’s hard for us as black women to buy homes solo. That’s why we are on her channel, looking for encouragement and motivation. Just because something is hard doesn’t mean it’s impossible, we know the statistics and we still choose not to settle for less, so leave us in peace ✌🏾
I have ADHD I couldn’t stand voice tone & ammmm ummmm of people 😢. Voices irritate me if not spoken in certain way 😢. Ur voice was soothing, I could hold my ADHD & i could watch your full video. Thank you. I am a solo girl too & at this stage of life, I have no friend, no bf…I am loosing my motivation. So just trying to gather what’s left in me through getting motivated by single girls life. That’s how I found your video. 😢
Ah, thank you!!! Don't lose motivation, sis. Every time you feel it waning, do something that re-motivates yourself. Hopefully you're also using something like a visual saving tracker that reminds you of your progress each time you look at it. xx
This is a beautiful testimony 💙🙏🏾
Praise be to G-d 🙏🏼
What age did you begin saving? Really helpful and inspiring thanks for sharing this info x
You're welcome. I think I would have been 30 or 29.
🙏🏾God bless you
I will leave everything in my God hands
And by his will
I to will own my house 🏡 in Jesus Name
Amen- that's the BEST course of action to take- leave it in His hands (and part of that is also being a good/better steward of your personal finances as the bible encourages) x
Thank you so much for this video Rachel! I really do believe God led me to your video to get my spirits back up and keep trusting that I will reach my goal of owning my own home and that He will provide all I need. God bless you and thanks again! 🙏🏾
You're so welcome! Yes, hun- He is more than able and all things belong to Him anyway. Keep the faith!! xx
Why are you doing a video on being a solo buyer.. if you didn’t buy solo ?
Because it's my experience of trying to get on the property ladder as a solo buyer.
@@TheWellnessAbbey But you didn’t get onto the ladder as a solo. it’s misleading for those who are solo..looking for real and relatable advice
I did what is often the hardest part of getting on the property ladder by myself (saving up the hefty deposit) with the intention of seeing the buying process through as a solo buyer. If no encouragement can be gleaned from that then that's a shame. I understand your comment but don't agree that I shouldn't still try to encourage solo buyers just because God changed my circumstances at the end.
@IntentionalAdulting your advise will lead bw down the life of struggle... if they are not in the top 1-5% of earners... they are not in any position to buy solo... if they research data for median wages for bw... the vast majority (95% or more)...do not have a salary high enough to buy prepoerty... even you would have had a life of financial hell... the world we live in today (economically) is Set up for 2...not 1... majority of women from other groups find husbands first...mesh their lives together and they buy homes...with 2 salaries...which is needed more than ever...unless the solo buyer earns well in excess of 50k...has a very decent emergency fund and can independently cover all costs and this includes maintenance and major repairs... I observe women from other groups and see how back to front we really are...
@@imsk6729 Nothing wrong with buying a house on your own. Different videos of youtube show people buying properties on your own. You have to be able to budget but that is regardless of your marital status.
I like the sofa what's the name and where from
Hey! It's from furniture village.
Do you have to get to a saving mark of 30k? i want to be a solo buyer but worry my salary won't be enough or i wont be able to save up quick enough
no you don't hun. You just need to save how much you'll need to buy the property type you want (minus the average house price from the amount of mortgage a lender is likely to give you)- those two factors will determine how much you'll need to save. There are also a few schemes for first time buyers around that either help boost savings or that help with the finances itself x
❤
I came here for advice about being a single first-time buyer, and what I received was a sermon about God from somebody who didn’t even buy a house on their own. Change the title, total waste of my time.
Did you have the salary increase at the same job ?
Did you change roles ?
I applied for a promotion at work- so just a slightly more senior role. Still the HR Advisor roles.x
Sorry forgot to add- I applied for a promotion and then after that got the regular annual salary increases which turned out to be quite substantial increases (in my opinion) after the promotion. I'll be detailing all of my HR salaries in an upcoming video x
What is your job
Senior HR Advisor 👍🏽