I'm not where I thought I would be - are you_

I’m Not Where I Thought I Would Be – Are You?

Next week I’m going to be 25 years old and while it might not be a landmark birthday (although my next one will be 30 *shudder*) it has made me think quite a lot about where I am, where I want to be and what I’m doing. I don’t think I’m alone in saying that my life looks very different to what I thought it would be like when I was a child/teenager.

So I thought why not have a look at those expectations

I thought I would…have bought a house.

*laughs, laughs, cries* I don’t know anyone my age who went to university and can afford a house. The only people I know are those who have been working since they were 18 and saving hard. I’m happy for my friends who have their own houses, I’m also jealous. I am a long way off of owning a home so for now, renting it is.

I thought I would…be married.

25 is aaaaaaaaagggeeeee away and so grown up right? Haha. So I thought. Although, on my 25th birthday I’ll be a little over a year away from getting married! So I guess this one was close.

I thought I’d have…at least one child

My Mum was 21 when I was born, my Dad was 22 so for me I thought this was a great time to have a baby. In 1994 it wasn’t such a bad idea but both of my parents left school at 16 and worked quite soon after.

So, I assumed I’d also have my own rugrat in my early 20s. But instead I packed up my life went to university and spent my 21st birthday in a Wetherspoons with a bunch of friends and was carried home by Ali and my friend Lex.

There was a little while where I doubted whether I’d be good at being a parent, whether it was something I really, really wanted. After a few issues and a little scare something might be wrong (thankfully it’s all fine) I know I want children but I’m not in a rush.

I thought I would…be working for someone.

From being a little kid to my early twenties I had a LOT of ideas about what I would do with my life. There was a musical theatre actress, singer, teacher, Dr of Literature, Marketeer. It kept changing so, that’s one thing I didn’t have a solid idea for.

But I was never one of those people who thought that I would go off and build my own business, my own empire – now that’s the dream. It just didn’t seem like something I could do but at this point in time I don’t know how I could do anything else. Funny how time changes things.

Looking at all of these, I think that I definitely based what I thought my life would look like based on my parents – I mean didn’t most of us look at a grown up in our lives and go that’s what my life will be like or that’s who I want to be. But, even though the gap between me and my parents is 20 years, the world has changed so much. I can’t get a 100% mortgage, we’re fighting more for jobs and having children later.

So while I’m nowhere near where I thought I would be at 25, I’m not unhappy. I have a flat I’m renting, a fianc√© I adore, my own freelance job and beautiful hamster babies. It might be a little different but it’s still pretty good.

Are any of you nodding along with any of these? What did you think you’d be doing at 25? Let me know in the comments below. ūüĎá

Homeowner Dreams www.chloemetzger.com

Homeowner Dreams

There was once a time when owning a home was a milestone that the majority of people reached. It was a milestone of growing up, something you did before starting a family. When my Mum and Dad bought their house in 1996, this was the case, they’d never even had to rent before. Skip forward more than 20 years and meet me, their eldest child, and part of generation rent.

Think back to when you’d ask people what they would do if they won the lottery. Buy flash cars, luxury holidays etc. Now, say you won 20K on the lottery, in the South East of England that might get you a deposit for a small house. Not the whole house, just a deposit on a house. This is what young people like us are facing.

Will Young People Ever Be Able To Afford Their Own Homes?

The majority of you reading this are in the same position, the prospect of being able to save enough to merely put down a deposit on a house is more than most 20-somethings make in a year in their area. But, don’t forget people think if we bought fewer sandwiches, we could make the sacrifices to find that money…I’m not kidding that’s a genuine article I’ve linked to.

I don’t know when, or how, owning a home became something seemingly unachievable¬†for most young people. While some are able to live at home until they are in their mid-twenties¬†and save, that is not the case for the majority of us. That and we want our own space, not to live with our parents until we’re between 25 & 30. I don’t go on expensive holidays, I don’t drive an expensive car (I saved for 3 years while at uni¬†for my current car), I take lunch with me most days but I am still paying almost double a mortgage to live in a 1 bedroom flat.

While my partner and I try and work out how we will be able to manage to try to scrape together money to put towards our own home, the prospects look increasingly¬†bleak. A lack of affordable housing and sky-high deposit payments are just the tip of the iceberg.¬†We’re told to give up any luxury, move out of certain places where it’s cheaper¬†etc, this is completely ignoring the issues at hand. Most of which centre around greed.

I know this might have come across as a rant but, truly, this is a post born out of frustration. It doesn’t matter how good you are with money, we’re going back to a state of working people missing out. If you are able to get help from wealthy relatives, you might make it. Although¬†for the average person Homeowner dreams have become just that, dreams.

What are your thoughts on becoming a Homeowner? Have you managed? Let me know in the comments below!