Being 'skint'

Guest2

Guest2

Guest2

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Is being skint just another word for being tight?

I have numerous friends who earn double what I do yet always seem to be 'skint' so cannot do things like go for a meal which costs a tenner.

Yes, some save for houses, children, holidays, cars etc but surely you should still spare a night with friends to have a cheap meal out once every few months!

One friends said a while ago (3 years ago) he was saving for a car, then it was his wedding, now his house and next it will be his kids when he has them
 
A meal isnt what I would call 'interesting' its just getting friends together who have not seen each other for a few months.

TBH its the least people could do if im spending ~£600 on their stag do and another ~£200 at their wedding (plus taking the days off work)
 
I actually have 18.5k of student loan dept. So I am effectively skint for the next 2 years! (£700/month * 12 + a bit of savings) - leaves £200/month for food and everything not including bills and rent

...However I pay it off as normal and still spare time for friends and family, holidays, stag do's etc. To me a priority is keeping friends and spending valuable time with family, not paying off a loan, saving for a nice car or a new house.

Maybe I will have to get better friends and sack off their events that are costing me £800!
 
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I wouldn't call car/mot/tax/insurance 'savings' - yes, you really are skint!

Me.
Income - ~£1500
Outgoings - ~£600 (£400 rent, £200 bills)

The rest goes on food, clothes, random items, holidays and a bit into savings. (though I also put into a pension out my wage)

Literally all my friends earn more than me but most say they are skint. I dont really call £800/month+ disposable income skint!

Maybe a big factor comes down to money management. I have 4 or 5 bank accounts and move it around constantly, one of my housemates earns double what I do but by the end of the month has nothing almost all the time
 
yhack said:
It's entirely situational.

If I'm saving up for a long holiday, it doesn't matter how much I earn, because more money for the holiday would make it better. So, if someone asked me to go out somewhere when I was trying to save up everything I could, I might say I don't have the money, even though there could be thousands in a bank account. That would be because I don't have the money to go out.

It is not fair to decide whether someone has extra money or not, because you are not deciding their priorities.
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So why not say "I am saving for a holiday" instead of "I am skint" :confused:
 
RedvGreen said:
I could be deemed as having around £800 disposable income per month (depending on how much overtime I do), but that actually goes to paying off student debts, which will take years to fully accomplish.
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I said this a few pages back, I could use all my disposable income to pay off my student loan but I would do nothing for 2 years. Instead I choose to go on friends weddings, stag do's and family holidays (so far at a cost of 5k this year)
 
^ this was the whole point of my thread. I understand people have commitments but a meal out can only cost £5. Or I would rather them say I am saving for wedding, house etc than, saying i'm skint (then saving £1000 a month)

One of my friends who said he is skint is getting married, I would think at a cost of ~10k - on his stag do and wedding combined I will be spending ~£900 Maybe i'll just say i'm skint for his wedding seems as he hasnt seen anyone for over 6 months due to being 'skint' - maybe he would take effort to save £5-£10 and take time to see friends if he thought no-one would come to his wedding apart from family
 
As above, loads of pub deals for £5, there's also small restaurants that do meals for £5-£10
Thai, Persian and curry houses to name a few (plus some you take your own alcohol)

£6 for carvery - http://www.tobycarvery.co.uk/carvery/

My local at home does a curry night (tuesday), its £6 for curry and a pint! or 2 mains for a fiver - http://www.sizzlingpubs.co.uk/theflyingchildersdoncaster/food/

gammon Steak‡ & pineapple - 4oz £3.39 7oz £4.69
Fish† & chips £3.89 r £4.69

From 2nd January we're offering a cheery deal of 2 courses FOR only £4.95, Monday TO Thursday, 12-5pm.

There are 6 mains AND 3 comforting classic puds TO choose FROM:

Beef Pie
Chargrilled Chicken Breast
Fish AND Chips
Sausage, Chips AND Beans
Small Gammon (4oz)
Vegetarian Korma
Apple Pie
Cheesecake
Treacle Pudding
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You all must be southern fairy's or not looking hard enough
 
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Ace Modder said:
Who says not wanting to go for a meal is being tight?

Some people enjoy going out for nice meal. Others see food and just a necessity to remain alive.

Also - saving for a car or a wedding does make financial sense, more so than spending it on a night out. Personally I enjoy nice meals and trips etc.
But I understand that some of my friends do not, I don't think they are tight, they just have a different opinion on what is important in life.
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OK, not necessarily a meal. Doing anything, even if its around to watch a game of football.

I have never really understood how saving for a wedding makes 'financial sense' usually 10k+ for a big 1 day occasion :confused: Personally I will take close family and friends to somewhere like Fiji and get married on a beach then use the rest of the time for holiday with everyone.

[TW]Fox;25601997 said:
But you won't because you know that this is a very very very silly thing to do, because the interest rate on the student loan is below the rate of inflation, so all the sensible people leave it to pay off through PAYE :p
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Its 1.5% at the moment, the same rate as my ISA. 2007 - 2008 it was 4.8% APR - Not the <1% I used to think it was. What I pay at the moment through PAYE just above covers the interest
 
Derek W said:
so you're upset that your mates priorities may lie with a woman who he's going to spend the rest of his life with rather than going out for a meal with a mate? I'm sure if one day you find yourself getting married your priorities may change and no doubt you'll use the term sorry 'im skint' when you're saving up for her big day....
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Sort of yes! Its not about if it a meal, its just sparing time with friends occasionally still (once in 3 months would be nice) To say im (quite a few of his friends he hasn't seen for months) are going to the stag do and wedding and everyone has their own priorities. 2 of the friends are saving for their own weddings and stag do's but they have time for everyone.

Maybe his Mrs just cracks the whip more than most!
 
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