Do you feel poorer?

mysticsniper said:
Am just keeping my head above water at the moment. Its always harder for single people trying to do it on their own. I am a going to be concerned when my mortgage will need to be re-newed. But hay eating has been over-rated hasn't it? :p
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Be grateful you can even afford a mortgage as a single person, im a single person and I could afford a cardboard box round here, and thats it.
 
A few years back, only my parents were working(me and my sister were studying and just occassionally working part-time). Now we are all working full-time and, pretty ironically, feel more troubled for money.

This is however rather related to some temporary expenditures(such as building an extension).
 
Just bought a house which is rather too big for me, with lots more rooms to heat, so my bills will no doubt rise rather massively over the 2 bed cottage i have now. So for the moment, no, i haven't noticed anything really, but i will be sure to feel the pinch once this completes.
 
Nope cos I just got a 25% payrise. muahahah.

but I live with my rents at the moment, Petrol is costing more. Imagine heating bills will be when i move out again. :(

I am considering getting a real fire. Wood is free!
 
Can't say I'm noticing any day to day changes, as a result from what they've been telling us in the news...
However I'm defintely poorer due to my own ineptness at managing my own finances. Don't really 'feel' it though. Oh wait, there it is, the dark gloom has descended upon me again. Thanks. No really.
 
starfighter said:
I am considering getting a real fire. Wood is free!
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And takes far longer than its worth to collect, and i actually have woodland in my grounds so it should be easy! Real fires are romantic on a winters evening but they are useless for heating the house with.
 
Any form of public travel seems to cost a lot more, other than that I can't say I've noticed a big difference at least no more than any other year on year.
 
feel okay, pay rise not too bad (9%) but getting 3 more bonuss always helps :D

Eased off the long term savings a bit for the car and holiday funds, 3 big holidays this year and maybe a new motor so lots to look forward to.
 
Well, I've gone from running a sports bike and sports car to a tax exempt car and a commuter bike.

Much cheaper.

Plus, the missus now earns money. More than me infact. So thinks are pretty good.
 
By far my biggest outlay is my mortgage and that's fixed for the next year. I don't run a car, so I don't notice petrol rises as directly as most do. As such, I don't feel any poorer.

I'm worried about what will happen when I have to re-mortgage though.
 
Nope - still loaded :p

Being serious, I do have less disposable income now but still plenty to enjoy some of the finer things in life. Just became a motorist again for the first time in a few years so that's eating into the income a bit but, as I said, still plenty to live comfortably.

I'm in the fortunate position that I stopped paying national insurance this year so any effect of the "credit crunch" is more than offset by that :cool:

On a related note, got a £750 bonus this month so new wheels ordered for the motor :D
 
I've been a bit pre-emptive.

Just moved to a smaller cheaper place before looking at buying a house next year. Saving of 125/month. Additional bonus of single occupancy council tax.. less electric used for cooking being in a single house which should make up a large chunk of moving into a one bedroom place.
Dropped a few outgoings giving another 100/month and finally working from home which is returning (on average) another 60-65/month.

At the same time, I have just got a coffee machine - which has been a planned "investment" for some time to stop me from going to the local tesco/sainsburys for coffee (usually I end up buying cakes etc to..).

So has this make a difference to me - no not really, it's just come at a point when change is occuring anyway but I have focused my changes to reduce costs.
 
All I have noticed is that overall I am spending probably £5 more a month on petrol, apart from that nothing...
 
We moved house and increase out mortage (still only 50%) two kids in nursery (900 a month) we decided to cut back on our shopping bills, going to work earlier to get free parking, making sandwiches at home instead of marks and latte. I was spending anything up 50 a week on buying drinks,sarnies and crisps which has now dropped to £0. The wife has done the same.
 
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