overtime just to cover living costs

[arknor]

were i live there is thousands of jobs within this area and surrounding areas, yet thousands still on the dole

Probably not qualified or discriminated against for people long term unemployed.

you act like being on the Job seekers is fun, you know they get hassled every week right? then they get sanctioned if they don't apply to enough jobs etc.

some people think there's always jobs anyone can just walk into

 

[Allnamestaken]

Probably not qualified or discriminated against for people long term unemployed.

you act like being on the Job seekers is fun, you know they get hassled every week right? then they get sanctioned if they don't apply to enough jobs etc.

some people think there's always jobs anyone can just walk into

Not only that in a lot of cases these jobs literally don’t pay enough. You become worse off, depending on circumstances especially in the current climate.

 

[V F]

Not only that in a lot of cases these jobs literally don’t pay enough. You become worse off, depending on circumstances especially in the current climate.

There are people out there with 3 jobs and still cannot get enough income. Yet they're still going to foodbanks. I remember one time if you had two jobs you were doing great.

 

[Lord-Jaffa]

Not only that in a lot of cases these jobs literally don’t pay enough. You become worse off, depending on circumstances especially in the current climate.

False, what you mean is you actually have to get off your ass and do some actual work for your money rather than sit at home, you will always be financially better off working, even while claiming UC alongside.

 

[Allnamestaken]

False, what you mean is you actually have to get off your ass and do some actual work for your money rather than sit at home, you will always be financially better off working, even while claiming UC alongside.

I knew before even reading your reply after seeing it in my alerts you would add nothing to the conversation.

I wasn’t wrong.

Thanks for your reply.

 

[Lord-Jaffa]

I knew before even reading your reply after seeing it in my alerts you would add nothing to the conversation.

I wasn’t wrong.

Thanks for your reply.

Just as the original post you made then, if you cant back up your statements and cry at the first criticism of them then dont post demonstrably false things.

You will always be financially better off when working than staying at home.

 

[Ali195]

Just as the original post you made then, if you cant back up your statements and cry at the first criticism of them then dont post demonstrably false things.

You will always be financially better off when working than staying at home.

Oh my but I'll bite. Maybe you're referring to the money handed over before costs incurred? As if the UK works like that. Travel costs getting to the job, poor public transport, cut services, especially in rural areas. Childcare costs, because all the firms charge for extras as Gov handouts don't cover costs. That's just a couple of examples so no, you're not always financially better off once you factor in the cost of living, hence livable wage being a thing.

 

[azazl187]

Oh my but I'll bite. Maybe you're referring to the money handed over before costs incurred? As if the UK works like that. Tavel costs getting to the job, poor public transport, cut services, especially in rural areas. Childcare costs, because all the firms charge for extras as Gov handouts don't cover costs. That's just a couple of examples so no, you're not always financially better off once you factor in the cost of living, hence livable wage being a thing.

I think we can mostly discount child coats. You should only have a kid if you have a steady and decent income to back it up. Call me old fashioned but having a kid and not having a job is financial suicide

 

[Richie]

I think we can mostly discount child coats. You should only have a kid if you have a steady and decent income to back it up. Call me old fashioned but having a kid and not having a job is financial suicide

It's just as well having kids guarantees never having to worry about redundancy in this country.... Amiright?

You may not be called "old fashioned" but I'll add in that you're also naive and narrow minded with that statement.

 

[krooton]

It's just as well having kids guarantees never having to worry about redundancy in this country.... Amiright?

You may not be called "old fashioned" but I'll add in that you're also naive and narrow minded with that statement.

Yep, it's almost like some people assume anyone on benefits/Jobseekers has never actually worked ever.

 

[theone8181]

Yep, it's almost like some people assume anyone on benefits/Jobseekers has never actually worked ever.

Seems like a large proportion haven't in some areas and ironically have more kids than those that work.

 

[Freefaller]

I think we can mostly discount child coats. You should only have a kid if you have a steady and decent income to back it up. Call me old fashioned but having a kid and not having a job is financial suicide

You realise you can lose your job despite having children?

 

[Curlyriff]

I don't get overtime as salaried so suck up the cost is the only option I have myself. To get my salary to cover the total increases I would need a pay rise of around £6k! And I am already at the upper limit of the wage of my job nationally so that won't happen.

My luxuries total a month are:

• broadband (locked in for another 12 months yet) at £65.99 which when was working from home Fibre which was good and tenants utilise it.
• Mobile Phone £10.50
• Netflix £15.99 (when price rises) and I am already basically confirmed to myself that I will cancel this

The rest is just my day to day bills increase, gas, electric, mortgage, council tax, fuel, National Insurance contribution. I haven't even allowed for food increase with that.

To add. I have a tenant (best mate with his misses and they have his children every weekend (Friday & Saturday nights). Their rent is £500 including all bills and has been for about 3yr now. I am only home about 3-4 nights a week dependant and only between 7pm and 6am (work otherwise) so they have a pretty free house and space.

With the increase in all bills, including my re-mortgage last month I am having to put rent up to contribute towards the increases (£50).

I mean if we split the increase costs 50/50 then I should be putting it up by about £125 or if you counted it as per adult with increase costs and usage then it would be about £166. That isn't going to happen and so income from rent drops. This is the first increase in those 3yrs regardless of the increased costs previous years. I can see rental property prices increasing significantly in the near future for those near end of tenancy agreements and such.

 

[adam cool dude]

To summarise next month my energy bills go from £120 to £260. I had £600 in credit on my energy so have reduced my bill to £210 a month.

At this present time I have a new deal on Fibre that has saved me £20 a month, cancelled Disney+ £7.99, Cancelled BT Sport £25, new phone contract saves me £7 a month, Spotify cancelled £10 and I will cancel NOW TV once the premier league is finished which will save me £20.

In total that saves me around £90 a month which takes my bill down to a theoretical £120 or exactly how it was before.

I will still keep Netflix and Prime for now.

 

[Gammawolf]

Just going to suck up the costs and save where possible (which is not much tbh). I’m fortunate not to have to worry about the costs (Wife and I are very frugal as well as myself having a decent job, she works part time at a restaurant and gets maybe £1K per month which is all surplus + some more surplus from my own salary).

Saying that its not easy, we don't go out for instance at all, have only a few take aways a year and the supermarket costs (food, general house items from supermarket) comes out to £178 a month avg for 2 adults and a 2 year old. We don't buy many clothes, and for child clothes we've been buying bagged bundles off facebook market place for mega cheap (20-30 piece bags for £5!). I also don't budget much for house maintenance costs because i do all that myself, so no need to pay trades. I do my own vehicle repair (no monthly cost owned outright, its a 10 year old Zafira worth probably £4k). I don't travel to work so am saving/less affected by petrol prices. Interest rates don't affect me as i'm on a 10 year fixed rate which doesn't run out for another 6 years by which time the mortgage will be finished.

The main thing we take liberties on is energy, since we don't go out much we make our home comfortable. Energy cost is predicted to go up from £1.7k per year to £2.6k for us.

Its not all a walk in the park

 

[Bassmansam]

@Gammawolf you don’t go out at all socially?

or restaurents, cinema, theater, whatever with your wife?

 

[V F]

I think we can mostly discount child coats. You should only have a kid if you have a steady and decent income to back it up. Call me old fashioned but having a kid and not having a job is financial suicide

You're aware right before 2008 people that had great jobs or even businesses and incomes also lost that during the financial crash as they were starting a family, right? They hit hard times after that but still recovered to a degree which took a long time.

It's just as well having kids guarantees never having to worry about redundancy in this country.... Amiright?

You may not be called "old fashioned" but I'll add in that you're also naive and narrow minded with that statement.

I remember in 1995/96 the social workers in the school advising the girls to get pregnant to get into council houses. And yet they did. The ones I knew, a year later they were pregnant when they left school and they got a council house then.

 

[Gammawolf]

@Gammawolf you don’t go out at all socially?

or restaurents, cinema, theater, whatever with your wife?

Very very rarely, we have a 2 year old and a lot of those things aren't suitable for a child that age. I don't have any options for "free" childcare as my wifes parents are in Japan and both mine passed away last year.

- Cinema might be 2 or 3 times a year, thats only with a 2 for 1 deal though.
- Restaurants, again maybe once or twice a year for special occasions like anniversary etc
- Takeaway again couple times a year at best, get enough takeaway for free from wifes work (sushi restaurant)
- Can't say Sheffield is known for its culture/theatre so nil on that lol
- Most the people i interact with are not local to me, so i don't socialise in person, only over the internet
- Most the people my wife interacts with are in Japan, so again over the internet

We have pass times at home, computers, games, streaming, garden work, veg patches, diy etc. Bear in mind saving money uses time, it takes longer to cook food from scratch, it takes longer to fix stuff when you have to learn the best way to do it (and usually don't have the right tools etc).

My wife goes out with the 2 year old to socialise with other children but thats usually free or a couple quid for a play centre.

Even with all this though i feel comparatively rich. My childhood wasn't bad (i had a roof over my head and enough to eat) but you try sharing a 3m by 3m room with 2 other siblings and having no money for 18 years . As a child i was aware of our lack of money so we only ever did free things. I never could treat myself. Birthdays and christmas i remember getting items that i needed anyway like clothes and filler (stuff people just take forgranted like chocolates etc). My wife is from a similar background having 4 siblings so we are likeminded.

 

[Uther]

Tbh if you're clearing a grand a month after everything is paid then you're not going to be struggling much.

 

[Bassmansam]

Very very rarely, we have a 2 year old and a lot of those things aren't suitable for a child that age. I don't have any options for "free" childcare as my wifes parents are in Japan and both mine passed away last year.

- Cinema might be 2 or 3 times a year, thats only with a 2 for 1 deal though.
- Restaurants, again maybe once or twice a year for special occasions like anniversary etc
- Takeaway again couple times a year at best, get enough takeaway for free from wifes work (sushi restaurant)
- Can't say Sheffield is known for its culture/theatre so nil on that lol
- Most the people i interact with are not local to me, so i don't socialise in person, only over the internet
- Most the people my wife interacts with are in Japan, so again over the internet

We have pass times at home, computers, games, streaming, garden work, veg patches, diy etc. Bear in mind saving money uses time, it takes longer to cook food from scratch, it takes longer to fix stuff when you have to learn the best way to do it (and usually don't have the right tools etc).

My wife goes out with the 2 year old to socialise with other children but thats usually free or a couple quid for a play centre.

Even with all this though i feel comparatively rich. My childhood wasn't bad (i had a roof over my head and enough to eat) but you try sharing a 3m by 3m room with 2 other siblings and having no money for 18 years . As a child i was aware of our lack of money so we only ever did free things. I never could treat myself. Birthdays and christmas i remember getting items that i needed anyway like clothes and filler (stuff people just take forgranted like chocolates etc). My wife is from a similar background having 4 siblings so we are likeminded.

Thats cool, i've always liked the idea of being more frugal but still like to have a bit of a social life, going out two-three times a month.