Can you afford to live!

Actually, that's a point.. is the OP getting broadband, Sky/Cable, and other luxury items before getting into the £60 per week?
 
Yes, I can afford to live.

But, I am 47. No loans, couple of houses, cars, pension, work 2-3 days a week when I'm not busy.

It's always hard when you're young, especially now with house prices so high. House prices 20 years were very affordable, not now. It's just unlucky for you young ones.
 
BENJAMIN HERBLE said:
all gets lumped in, he is then given a weekly transfer to his own account for pressys, hitech stuff, golf etc, whatever he wants, the rest all comes out of the house pot, including pub, holidays, clothes etc, his wee bit is really his to do with as he likes, not day to day stuff. I get the same small spends. And he has an unlimited credit card which is paid from me, he never takes the mic, and now always remembers the receipt.

He works 'for' ( read 'with', but he is PAYE) me as well. I employ him, now that one can be tricky as a very alpha 'alpha' he hates being asked/told what to do in front of people, so we work it out over coffee in the morning before the troops arrive for work.

neither of us could function without the other, we are welded.
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That is pretty much how we operate also. My wife deals with all the finances anyway (she is the accountant after all) and I just spend it ;)....She has a little fund that she puts money into annually to finance my frivolous spending on cars (not the family car) and techno stuff and thus budgets me that way, but it's not hard and fast and she also budgets her own irrational need for handbags and shoes...;). It is all pretty much equal in our house, and it simply means one less thing to worry about. :)

I would work for my wife quite happily and I am the epitome of an Alpha male, as long as I didn't have to do much anyway.:)
 
Dj_Jestar said:
Actually, that's a point.. is the OP getting broadband, Sky/Cable, and other luxury items before getting into the £60 per week?
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Don't be a tool, you call these luxury items but what are you gonna do all day without tv/i-net and a phone! read a book? oh wait is that also classed as a luxury?
 
FWIW, myself and my girlfriend both pay a standing order to a joint account to cover rent, bills, and food. We also use it to pay for Holidays and the odd treat every now and them (perhaps a takeaway etc.)

Then we're left to spend the rest of our earnings as we please. :)
 
Wizzkidy said:
Don't be a tool, you call these luxury items but what are you gonna do all day without tv/i-net and a phone! read a book? oh wait is that also classed as a luxury?
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*sniff*

I can't tell if that is sarcasm or stupidity I smell. :p

sorry, if offended!
 
the wife and i get paid into our own accounts thne just transfer whatever we need into the joint account. Since we take home nearly the same at the moment its fair. As soon as that changes we'll change it accordingly.

We save our own wedge but we'll both stump up the extra if one of us is struggling one month. Hoping she'll make it to band 8 or something so i can work less though :P
 
£60 a week?? I'm going to have about £20 at uni to buy everything after accommodation.... if I'm not in halls, that means food as well. :(
 
ok bearing in mind ALWAYS ALWAYS use worst case scenario for bills (I think i might be worried over nothing but wont find out till it happens!)

here is what I have in my "budget" spreadsheet as my current expenditures that are necessary

Rent 750
Council tax 150
Electricity 75
Gas 30
Water 40


Phones 45

Food shopping 200



Camera Insurance 13.1
Love film 14.68
Bike insurance 10
Car insurance 51
Car fuel 60
 
krooton said:
I see what you mean, and I guess it depends on what sort of joint disposable pot you are looking at.

If we had a £200 joint pot, and my gf spent £150 of it, and then something I wanted for £100 came up a week later, I would miss out on it.

This way we can spend (or save) as we see fit for our own frivolous desires.

Btw, we also have joint savings for the big things.
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I have forgone stuff because the wife wanted something and vice-versa, it doesn't happen now as our income is far greater than when we were younger, but thats the art of sharing and being in a relationship.

I get your point however, and I was really getting at those you have their money an that is it.

For example, we have friends where the husband works full time and the wife used to, but after having their third child has to stay at home to look after them as it is financially better for them with childcare costs being what they are.

The hubby however still only pays half the houshold bills and only gives half the cost of his three children to the wife. She then has to struggle to find her share. (I know my wife has bailed her out a couple of times recently)

This seems increasingly common among people and seems to me to be the quick way to divore and/or breakup.
 
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Living in Kingston is pretty expensive, council tax in Richmond/Kingston is pretty high as well from what I know. My outgoings are actually quite high for some things, considering I live alone in a 1 Bed Flat

Rent - (Includes Astro (Sky Equivalent) and Internet) £800
Electricity - £100
Phone Bills ~ £100
Water - £2

But I've been going on a few too many holidays recently so nothing ever left at the end of the month :(
 
Castiel said:
I have forgone stuff because the wife wanted something and vice-versa, it doesn't happen now as our income is far greater than when we were younger, but thats the art of sharing and being in a relationship.

I get your point however, and I was really getting at those you have their money an that is it.

For example, we have friends where the husband works full time and the wife used to, but after having their third child has to stay at home to look after them as it is financially better for them with childcare costs being what they are.

The hubby however still only pays half the houshold bills and only gives half the cost of his three children to the wife. She then has to struggle to find her share. (I know my wife has bailed her out a couple of times recently)

This seems increasingly common among people and seems to me to be the quick way to divore and/or breakup.
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Ah, I see, and completely agree, that's really not on.
 
I can't afford to live, i am stuck in a debt trap and every month there is always something. Corporations or banks or the government taking too much tax than they should, over charging me for mobile contract, ridiculous bank charges and interest. I just can't seem to get a hang on it. IT drives me insane.

I am considering bankruptcy as i just can't stand to live like this for another 3 years while i slowly pay off this debt and have no extra money to spend on anything.
 
I dont have much left after mortgage bills etc.

I have a gf, we have no children, are there any benifits out there that are available to people in our situ?
 
groen said:
I can't afford to live, i am stuck in a debt trap and every month there is always something. Corporations or banks or the government taking too much tax than they should, over charging me for mobile contract, ridiculous bank charges and interest. I just can't seem to get a hang on it. IT drives me insane.

I am considering bankruptcy as i just can't stand to live like this for another 3 years while i slowly pay off this debt and have no extra money to spend on anything.
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Go to your bank and ask to see a budget councillor who will be able to help you budget yourself more effectively.
 
Go to your bank and ask to see a budget councillor who will be able to help you budget yourself more effectively.
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I have tried to get a consolidation loan from my bank but it was rejected. I also tried tesco and a few other places. All rejected. I think experian work with the banks so that i can not move my debt to cheaper rates. So i am currently paying £57 interest per month on my debt.

Why is bankruptcy such a bad idea, anyone done it ?
 
I'm a bit older with a slightly more stable life. On good months we have around 3-4k left over to spend between me and the girlfriend. Mind you, even though it's spare money, I'm aggressively paying towards two pensions to release me from work at age 40. If it happens remains to be seen, but we're trying like hell.
 
regulus said:
I'm a bit older with a slightly more stable life. On good months we have around 3-4k left over to spend between me and the girlfriend. Mind you, even though it's spare money, I'm aggressively paying towards two pensions to release me from work at age 40. If it happens remains to be seen, but we're trying like hell.
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Nice. Do you mind if I ask what it is you do?
 
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