{"id":3652,"date":"2011-10-26T08:10:23","date_gmt":"2011-10-26T07:10:23","guid":{"rendered":"http:\/\/79.170.44.80\/livingwithkids.co.uk\/?p=3652"},"modified":"2019-01-03T14:47:35","modified_gmt":"2019-01-03T14:47:35","slug":"how-to-pay-for-the-roof-over-your-head","status":"publish","type":"post","link":"https:\/\/www.kidstart.co.uk\/blog\/how-to-pay-for-the-roof-over-your-head\/","title":{"rendered":"How to pay for the roof over your head"},"content":{"rendered":"\"\"\r\n
Be it ever so humble…<\/dd><\/dl><\/div>\r\nThe Aussie\/Kiwi\/Candadian back packer who comes to kip down on the sofa of your student flat \u00a0on your sofa for a few days and is still there a year later is an unfair cliche but worth wheeling out from time to time. In days gone by they would at least cough up a few quid from their day job at Food for Thought or wherever and always counted on to stand their round or wait in for the gasman and be gone by the time they\u2019d saved up for a flight to Machu Picchu. But things have changed. Nowadays rents are so high, and jobs so scarce that once someone bags your sofa that\u2019s it. They invoke squatters rights. Vix is apoplectic on behalf of a friend who\u2019s freeloading mate arrived a year ago and still has yet to pay a penny or show any sign of moving on. She\u2019s been leaving copies of Loot around for weeks. What\u2019s worse is that instead of getting the traditional bar job he appears to be doing work experience in a pub.\r\nIt\u2019s a perfect storm of economic disaster and sums up what is happening in the larger world where rents are getting higher\u00a0 and mortgages, despite record low interest rates are getting longer and more difficult to acquire thanks to the huge deposits that are required and the low wages available to save up for them. The Government\u2019s answer is to suggest a 30 year mortgage, which on the surface may sound a sensible way of spreading out the cost – after all in Japan mortgages can be spread down the generations. I know one family who is still paying off their grandfather\u2019s mortgage.\r\nBut a long mortgage doesn\u2019t necessarily mean a cheap mortgage. The last time it happened, according to today\u2019s Guardian borrowers were trapped paying more than 6% at a fixed rate and were charged 3% to pay it back before the first ten years.\r\nNo-one seems take responsibility for the shortage of affordable homes, either to buy or to rent. The latest distraction technique is to blame those lucky enough to have paid their mortgage off for keeping others off the housing ladder. The Intergenerational Foundation in a report entitled Hoarding of Housing<\/a> accused empty nesters of \u201cclinging onto their houses long after they had outlived their usefulness as family homes\u201d \u00a0which was a particularly vindictive and diversionary tactic to make. \u00a0I don\u2019t see why grandparents should be guilt tripped into selling their family home just because the economy has failed to ensure that the housing market isn\u2019t performing as it should. After all – where would be without the annual row about whose family we are going to descend on at Christmas…","protected":false},"excerpt":{"rendered":"Be it ever so humble… The Aussie\/Kiwi\/Candadian back packer who comes to kip down on the sofa of your student flat \u00a0on your sofa for a few days and is still there a year later is an unfair cliche but worth wheeling out from time to time. In days gone by they would at least","protected":false},"author":2,"featured_media":15078,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[3508,3349],"tags":[2394,2395,2396,2397,2398],"class_list":["post-3652","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-household-savings","category-household-savings-advice","tag-backpacking-mates","tag-cost-of-renting","tag-freeloaders","tag-hoarding-of-housing","tag-housing"],"yoast_head":"\r\nHow to pay for the roof over your head - KidStart Magazine<\/title>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/www.kidstart.co.uk\/blog\/how-to-pay-for-the-roof-over-your-head\/\" \/>\r\n<meta property=\"og:locale\" content=\"en_GB\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"How to pay for the roof over your head - KidStart Magazine\" \/>\r\n<meta property=\"og:description\" content=\"Be it ever so humble… The Aussie\/Kiwi\/Candadian back packer who comes to kip down on the sofa of your student flat \u00a0on your sofa for a few days and is still there a year later is an unfair cliche but worth wheeling out from time to time. In days gone by they would at least\" \/>\r\n<meta property=\"og:url\" content=\"https:\/\/www.kidstart.co.uk\/blog\/how-to-pay-for-the-roof-over-your-head\/\" \/>\r\n<meta property=\"og:site_name\" content=\"KidStart Magazine\" \/>\r\n<meta property=\"article:published_time\" content=\"2011-10-26T07:10:23+00:00\" \/>\r\n<meta property=\"article:modified_time\" content=\"2019-01-03T14:47:35+00:00\" \/>\r\n<meta property=\"og:image\" content=\"https:\/\/www.kidstart.co.uk\/blog\/wp-content\/uploads\/2012\/05\/parents-cooking.jpg\" \/>\r\n\t<meta property=\"og:image:width\" content=\"700\" \/>\r\n\t<meta property=\"og:image:height\" content=\"467\" \/>\r\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\r\n<meta name=\"author\" content=\"Anita\" \/>\r\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\r\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Anita\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\r\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.kidstart.co.uk\/blog\/how-to-pay-for-the-roof-over-your-head\/\",\"url\":\"https:\/\/www.kidstart.co.uk\/blog\/how-to-pay-for-the-roof-over-your-head\/\",\"name\":\"How to pay for the roof over your head - KidStart Magazine\",\"isPartOf\":{\"@id\":\"https:\/\/www.kidstart.co.uk\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.kidstart.co.uk\/blog\/how-to-pay-for-the-roof-over-your-head\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.kidstart.co.uk\/blog\/how-to-pay-for-the-roof-over-your-head\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.kidstart.co.uk\/blog\/wp-content\/uploads\/2012\/05\/parents-cooking.jpg\",\"datePublished\":\"2011-10-26T07:10:23+00:00\",\"dateModified\":\"2019-01-03T14:47:35+00:00\",\"author\":{\"@id\":\"https:\/\/www.kidstart.co.uk\/blog\/#\/schema\/person\/0f892175d96fe3714b565dc5da94471b\"},\"breadcrumb\":{\"@id\":\"https:\/\/www.kidstart.co.uk\/blog\/how-to-pay-for-the-roof-over-your-head\/#breadcrumb\"},\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.kidstart.co.uk\/blog\/how-to-pay-for-the-roof-over-your-head\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.kidstart.co.uk\/blog\/how-to-pay-for-the-roof-over-your-head\/#primaryimage\",\"url\":\"https:\/\/www.kidstart.co.uk\/blog\/wp-content\/uploads\/2012\/05\/parents-cooking.jpg\",\"contentUrl\":\"https:\/\/www.kidstart.co.uk\/blog\/wp-content\/uploads\/2012\/05\/parents-cooking.jpg\",\"width\":700,\"height\":467},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.kidstart.co.uk\/blog\/how-to-pay-for-the-roof-over-your-head\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.kidstart.co.uk\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"How to pay for the roof over your head\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.kidstart.co.uk\/blog\/#website\",\"url\":\"https:\/\/www.kidstart.co.uk\/blog\/\",\"name\":\"KidStart Magazine\",\"description\":\"KidStart - a little help along the way\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.kidstart.co.uk\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-GB\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.kidstart.co.uk\/blog\/#\/schema\/person\/0f892175d96fe3714b565dc5da94471b\",\"name\":\"Anita\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.kidstart.co.uk\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/1ed254c55b7b84fc4ac5b27299652760?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/1ed254c55b7b84fc4ac5b27299652760?s=96&d=mm&r=g\",\"caption\":\"Anita\"},\"description\":\"I\u2019m Anita, a mum to two under 5s, a blogger, journalist and author. I\u2019ll be blogging about all things family related whether that\u2019s ranting about legislation, or a general heads up about something to make family life happier and less stressful.\",\"url\":\"https:\/\/www.kidstart.co.uk\/blog\/author\/anita\/\"}]}<\/script>\r\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"How to pay for the roof over your head - KidStart Magazine","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.kidstart.co.uk\/blog\/how-to-pay-for-the-roof-over-your-head\/","og_locale":"en_GB","og_type":"article","og_title":"How to pay for the roof over your head - KidStart Magazine","og_description":"Be it ever so humble… The Aussie\/Kiwi\/Candadian back packer who comes to kip down on the sofa of your student flat \u00a0on your sofa for a few days and is still there a year later is an unfair cliche but worth wheeling out from time to time. In days gone by they would at least","og_url":"https:\/\/www.kidstart.co.uk\/blog\/how-to-pay-for-the-roof-over-your-head\/","og_site_name":"KidStart Magazine","article_published_time":"2011-10-26T07:10:23+00:00","article_modified_time":"2019-01-03T14:47:35+00:00","og_image":[{"width":700,"height":467,"url":"https:\/\/www.kidstart.co.uk\/blog\/wp-content\/uploads\/2012\/05\/parents-cooking.jpg","type":"image\/jpeg"}],"author":"Anita","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Anita","Estimated reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.kidstart.co.uk\/blog\/how-to-pay-for-the-roof-over-your-head\/","url":"https:\/\/www.kidstart.co.uk\/blog\/how-to-pay-for-the-roof-over-your-head\/","name":"How to pay for the roof over your head - KidStart Magazine","isPartOf":{"@id":"https:\/\/www.kidstart.co.uk\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.kidstart.co.uk\/blog\/how-to-pay-for-the-roof-over-your-head\/#primaryimage"},"image":{"@id":"https:\/\/www.kidstart.co.uk\/blog\/how-to-pay-for-the-roof-over-your-head\/#primaryimage"},"thumbnailUrl":"https:\/\/www.kidstart.co.uk\/blog\/wp-content\/uploads\/2012\/05\/parents-cooking.jpg","datePublished":"2011-10-26T07:10:23+00:00","dateModified":"2019-01-03T14:47:35+00:00","author":{"@id":"https:\/\/www.kidstart.co.uk\/blog\/#\/schema\/person\/0f892175d96fe3714b565dc5da94471b"},"breadcrumb":{"@id":"https:\/\/www.kidstart.co.uk\/blog\/how-to-pay-for-the-roof-over-your-head\/#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.kidstart.co.uk\/blog\/how-to-pay-for-the-roof-over-your-head\/"]}]},{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.kidstart.co.uk\/blog\/how-to-pay-for-the-roof-over-your-head\/#primaryimage","url":"https:\/\/www.kidstart.co.uk\/blog\/wp-content\/uploads\/2012\/05\/parents-cooking.jpg","contentUrl":"https:\/\/www.kidstart.co.uk\/blog\/wp-content\/uploads\/2012\/05\/parents-cooking.jpg","width":700,"height":467},{"@type":"BreadcrumbList","@id":"https:\/\/www.kidstart.co.uk\/blog\/how-to-pay-for-the-roof-over-your-head\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.kidstart.co.uk\/blog\/"},{"@type":"ListItem","position":2,"name":"How to pay for the roof over your head"}]},{"@type":"WebSite","@id":"https:\/\/www.kidstart.co.uk\/blog\/#website","url":"https:\/\/www.kidstart.co.uk\/blog\/","name":"KidStart Magazine","description":"KidStart - a little help along the way","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.kidstart.co.uk\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-GB"},{"@type":"Person","@id":"https:\/\/www.kidstart.co.uk\/blog\/#\/schema\/person\/0f892175d96fe3714b565dc5da94471b","name":"Anita","image":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.kidstart.co.uk\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/1ed254c55b7b84fc4ac5b27299652760?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/1ed254c55b7b84fc4ac5b27299652760?s=96&d=mm&r=g","caption":"Anita"},"description":"I\u2019m Anita, a mum to two under 5s, a blogger, journalist and author. I\u2019ll be blogging about all things family related whether that\u2019s ranting about legislation, or a general heads up about something to make family life happier and less stressful.","url":"https:\/\/www.kidstart.co.uk\/blog\/author\/anita\/"}]}},"_links":{"self":[{"href":"https:\/\/www.kidstart.co.uk\/blog\/wp-json\/wp\/v2\/posts\/3652","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.kidstart.co.uk\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.kidstart.co.uk\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.kidstart.co.uk\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.kidstart.co.uk\/blog\/wp-json\/wp\/v2\/comments?post=3652"}],"version-history":[{"count":1,"href":"https:\/\/www.kidstart.co.uk\/blog\/wp-json\/wp\/v2\/posts\/3652\/revisions"}],"predecessor-version":[{"id":15848,"href":"https:\/\/www.kidstart.co.uk\/blog\/wp-json\/wp\/v2\/posts\/3652\/revisions\/15848"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.kidstart.co.uk\/blog\/wp-json\/wp\/v2\/media\/15078"}],"wp:attachment":[{"href":"https:\/\/www.kidstart.co.uk\/blog\/wp-json\/wp\/v2\/media?parent=3652"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.kidstart.co.uk\/blog\/wp-json\/wp\/v2\/categories?post=3652"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.kidstart.co.uk\/blog\/wp-json\/wp\/v2\/tags?post=3652"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}