The 5 year plan to £50k

Status
Not open for further replies.
Indeed, this is why I said many pages back that moving out should be one of your number one priorities. Perhaps you are now starting to realise that standing on your own two feet is not simply a choice to make on a financial basis, it also aids personal development - something you will not get if you stay at home.

With regard to a car, I would assess your living situation and finances first. Cars are expensive and really should be avoided if you are on a tight budget unless absolutely necessary. First thing is first though, I cant remember sorry; do you have a license?

If you don't you need to get one. Even if you don't own your own car having a license opens doors. You may be considered for a role that provides a company car, for example.

Cats - yes they are amazing. I love cats but really I would not be making important life decisions based on them. I don't feel like you should either, but it is your choice.

With respect, it sounds like you crave affection and a cat just seems like a way of trying to plug that gap . Would a human partner not offer more than a cat? I say that because a girlfriend/boyfriend (whichever would be relevant to you) would offer that affection and intimacy but also could be a person to help you along. Bring you out of your shell etc.

Start believing in yourself a bit more and just roll your sleeves up and crack on. Invariably, what you will find is it is not as scary as you feared. I know you find advice hard to swallow. You get defensive but to be fair a lot of people have put the boot in over recent months - myself included.

If you really, really want to make a new life you can do it but you need to start listening to the people who have been there and done it already. There is some golden advice in most of your threads if you can just swallow your pride for a minute and take it on board.

If you need help, there are people here that can help. But don't be surprised if they become disinterested in your life because you are all talk and no do. Ergo - the whole point is to take the advice on board and do. Have a good think and make a plan. Set your priorities, and start looking into hpw you can achieve them.

First thing to do is move out. Like someone has suggested, try a different area - one with more job prospects. I know you desperately want a cat, but please try and think of the bigger picture here. Why hobble your chances in life because of a pet you don't even own yet, not to mention the fact the reality of ownership may not be to your taste or affordable for you?

Cats are expensive. Our two have cost a fortune - and by fortune I mean probably in the region of 10 grand in 4 years (accounting for special food and vets bills, flea/worming treatments booster injections etc etc). Ours cost a bit more than the average as one of them is on a special diet, but even so an average cat is going to cost you in the region of at least £1,000 a year. That is the reality. If you are unlucky enough to have one that needs a special diet, could you afford it? As an example, one of our cats has to have urinary food. He has a box of food pouches every 12 days, which is approximately £335 a year just on pouches. But then there are the biscuits he has too, which we share between the two of them and get through a bag every 2 weeks which is approximately £415 a year. Then the 2nd cat has his own pouches. True they are normal ones and not as expensive, but they still come in at £200 a year. So we spend nearly a grand a year just on pet food.

All vets bills are on top, and your cat will probably go to the vet a few times a year. Booster injections (£35 a pop). Spot on flea treatments, about £12 a pop for 2 if they are decent, and they should be used monthly. Worming tablets are cheap but still need to be bought. Then if your cat has any injuries or infections, you have ad-hoc vets bills. OK, you can take out insurance but the policies are very cynical and people do have trouble getting the insurers to pay out, particularly if your cat is accident prone or has to have repeated visits for a reoccurring condition.

Cat litter is going to cost you a fortune if you want an indoor cat. You are probably talking at least £50 a month for decent stuff. Then there are toys, cleaning products, poo bags and the other sundries you will need to keep stocked.

I would strongly advise that you get your life in order before even considering a cat. I mean that in the friendliest possible way as one cat lover to another.

What on Earth is wrong with your cats? My family have had a few cats, and they've cost nothing bar the tins of food (el cheapo). They've all been fine. Our main cat lived til like 13 years.

They are quite content to do their thing imo.
 
What on Earth is wrong with your cats? My family have had a few cats, and they've cost nothing bar the tins of food (el cheapo). They've all been fine. Our main cat lived til like 13 years.

They are quite content to do their thing imo.

It seems depending on who you ask, a cat could cost between £400 and £2500 per year. This article

http://www.thisismoney.co.uk/money/bills/article-2042014/How-does-cost-dog-cat.html

claims that the average cost of keeping a cat is £1000 per year, almost as much as a dog. Yet in the comments people were saying that was way too much.

I had budgeted for £35 per month, and places like Cats Protection said that would be enough to cover everything from food to litter to insurance. However I'm sure Buffet is telling the truth about his cats, so the cost of ownership obviously varies *hugely* from one person to the next.
 
Frankly I'd plug your current money into some therapy to address your weird cat obsession :p.

(dogs are way cooler, and I could understand)
 
But then this world and this society we've created is pretty crazy from my perspective. It's a world where 75% of people are trapped financially by the people with a vested interest in keeping them poor. It's a world where you have to fight to keep your head above water if you work, or have a couple kids and let everyone else pay for your house and your Sky TV. It's mad.

You now want to blame other people why you can't get out of your rut? I call troll now, this is getting absurd.

Take the advice in the thread and actually do something to better yourself or resign your self to be the crazy cat man of where ever you wind up.

KaHn
 
You now want to blame other people why you can't get out of your rut? I call troll now, this is getting absurd.

Take the advice in the thread and actually do something to better yourself or resign your self to be the crazy cat man of where ever you wind up.

KaHn

Its becoming quite pathetic. I think we could all tell from the start by his posting attitude that he has nothing but one excuse after another for why he's living at home with no desire for independence. Society is now to blame with a rich and poor divide... One where people with 40k in the bank can't afford to put food on the table.

It's actually quite rage inducing. FoxEye has got no grasp on reality. Living at home isn't actually what bothers me about this. In fact he's now giving people that live at home later a bad name.

Should be ashamed of himself really because no mature adult should prioritise getting a pet cat over getting his life in order.

I feel sorry for the cat who is gonna be trapped in the clutches of some drooling lunatic stroking it until it's fur comes off.
 
What on Earth is wrong with your cats? My family have had a few cats, and they've cost nothing bar the tins of food (el cheapo). They've all been fine. Our main cat lived til like 13 years.

They are quite content to do their thing imo.

Well, we rescued them as kittens from a family who no longer wanted them because they couldn't afford them.

So from the start there was the basic costs of getting them done and microchipped etc etc. Then we found out the one cat had some kind of chronic infection where he had constant diarrhoea for two years. So he was back and forward to the vet every couple of weeks to try new treatments and have blood tests, stool samples, x-rays etc. The vets couldn't find out what was wrong with him, but basically he pooed liquid in various consistencies for 2 years. So he cost us a fortune in vets bills - anti biotics, injections, steroids etc. He was diagnosed before we had chance to take out insurance, then they wouldn't cover any existing conditions :(

Then one day he came home and one of his front legs was gashed open from the pad of his paw to his elbow, bleeding badly. So he had to have emergency surgery to reconstruct his leg, and re-attach his paw/claw tendons as they had been cut through. Then post op treatments of pain killers, antibiotics etc etc. Then the cost of recovery consultations to make sure the operation was a success and he could be discharged. It was in the waiting period of his new insurance policy, so they wouldn't pay out :(

The other cat we found out has a condition where he gets crystals in his urethra, which block him completely so that he can't wee. It is life threatening and can kill a cat in a matter of 12 hrs. Luckily we spotted his strange behaviour and caught it in time. He had to have a couple of days in the vets for observation and he is now on special urinary food for the rest of his life. A mixture of biscuits and meat pouches. But they cost 3x the price of normal food. A box of pouches is £12 for 12, and he has 1 a day. The biscuits cost £16 a bag and they last 2 weeks (we share them between the two cats). So the on going cost of his condition is a big one (approx £780 a year just for his food, then we have the other cats food on top - about another £120 a year. I thought it was more yesterday, but it turns out his food is only about £4 a box for 12 pouches)

Then the one with the urinary problem got hit by a car. Cue a trip to the vets for x-rays etc. Luckily he got away with his life but most of his claws had been ripped out, the pads on his paws were gashed open and raw, and he had muscular/bone bruising. Luckily nothing was broken, but he was in a lot of pain. Apparently it was because cats always land on their feet, but because the car had punted him somehow, he landed and slid along the tarmac on his paws. Well, that is the only explanation the vet could give for his injuries anyway. The other thought was that he had been dragged along under a car. Either way, he was pretty beat up. Insurers started giving us the run around, so we just paid for it ourself and sacked the insurance off. Waste of bloody time.

Then there have been multiple bite wounds on both cats over the years that have been infected, and needed treatment. Cat saliva is full of bacteria, and bites quickly become infected. Both of ours have had several bites that have meant they can barely walk. The area swells up, and fills with puss and blood. The Vet has to shave the fur and squeeze out the infection and on a couple of occasions use stitches to seal up the wound. Then we have to pay for anti-biotics and pain killers etc. Due to the high number of cats in our area, they fight a lot. As such insurance.....well its just not worth having because our two have been to the vets so much that most insurers don't want to know :(

Multiple instances of muscle and tendon damage too because our one cat thinks he is an acrobat. Likes to get onto roofs then try and jump down.....

Pretty much every time they go in to the vet we get a bill for about £100 (EDIT - but a lot more for some of the visits - we are talking multiple hundreds)

Then there are booster injections, flea treatments and so on and so forth.

Also the cost of having the animals at home guy come when we go away on holiday. We don't believe in catteries, so we use a home visiting pet carer. Our one cat is quite anxious and suffers with separation anxiety, both from us and his brother. We feel that leaving him in his home environment is kinder than packing him off to a cattery. We pay about £200 for 2 weeks cover.

So it all adds up! But we wouldn't be without them :)

It seems depending on who you ask, a cat could cost between £400 and £2500 per year. This article

http://www.thisismoney.co.uk/money/bills/article-2042014/How-does-cost-dog-cat.html

claims that the average cost of keeping a cat is £1000 per year, almost as much as a dog. Yet in the comments people were saying that was way too much.

I had budgeted for £35 per month, and places like Cats Protection said that would be enough to cover everything from food to litter to insurance. However I'm sure Buffet is telling the truth about his cats, so the cost of ownership obviously varies *hugely* from one person to the next.

The article is not wrong. You are right that cost can vary greatly. But as we have found out, you have to plan in contingency for other problems that may arise. We felt it was our responsibility to deal with the problems our cats face because it would be unfair on them to have them put down or given away because of something they can't really help. They are part of our family and we do our best to let them live a happy life and be there to get them help when they need it. It is a big commitment, and we have to make sure we plan our lives to take them into account. IE Income, holidays, weekends away etc.

My best friend has a cat that has cost him barely anything in the 8 years he has owned her. Ours have cost a fortune. I guess we just got unlucky. But the point is - could you afford it if you were unlucky and got an accident prone cat, or one who likes fighting, or one who has on going medical issues? Or one like us where all three apply?

Some people don't care - if a cat starts to cost money they just have it put down and get another. We are not like that, and perhaps it is our outlook which has helped relieve us of so much money just as much as the issues our cats have had over the years.

But we are what we are. I accept we are probably at the extreme end of the spectrum with how much our cats have cost, but we are not unique.

I guess it is a chance you take with pet ownership.
 
Last edited:
27k job and 40 grand in the bank, I would love that. You earn about 2.5 times more than me. Some great advice in here as well. I do think you really need to talk to a professional though.
 
You easily have enough money to sack in your job and move into a flatshare in a city. You could ever have your own place. Just do that?
 
Its becoming quite pathetic. I think we could all tell from the start by his posting attitude that he has nothing but one excuse after another for why he's living at home with no desire for independence. Society is now to blame with a rich and poor divide... One where people with 40k in the bank can't afford to put food on the table.

It's actually quite rage inducing. FoxEye has got no grasp on reality. Living at home isn't actually what bothers me about this. In fact he's now giving people that live at home later a bad name.

Should be ashamed of himself really because no mature adult should prioritise getting a pet cat over getting his life in order.

I feel sorry for the cat who is gonna be trapped in the clutches of some drooling lunatic stroking it until it's fur comes off.

There is nothing you or Kahn can say to me which is any worse than the things I've said to myself. I don't think either of you could possibly understand.

I alternate between days where I tell myself to shape up, get a grip, that there's nothing wrong with me. Other days I tell myself I'll never be "normal", that it's hopeless, that I should stop expecting anything good from my life. Often on those days I fantasise about what what happen if I just disappeared. Not that I'd ever do something like that, but that's where my mind takes me on those kind of days.

I understand better than you realise where I am currently. It's a mess. I have serious doubts as to my ability to get out of it. Some days I try, other days I give up.

If there was a switch I could flip to start acting the way people expect, I could push it. But of course there isn't. I understand it's frustrating for you because all you see is me fighting against you. Honestly it's more me fighting against myself, and you shouldn't take it personally.

If you find it "rage inducing", I'm sorry. But it won't make either of us feel better if you post the kinds of things you have done recently. You've made your feelings very clear already.
 
I understand better than you realise where I am currently. It's a mess. I have serious doubts as to my ability to get out of it. Some days I try, other days I give up.
How do you try? Do you mean you think about things? You talk about how you're going to try and get out of this 'mess'? But you don't actually action any of it?
 
This thread is an absolute insult to anyone who tried to help you and offer constructive feedback. I think you need to read through how this thread started to the pathetic cat comments and have a long hard think about your life. It's absolutely embarrassing.
 
How do you try? Do you mean you think about things? You talk about how you're going to try and get out of this 'mess'? But you don't actually action any of it?

Yeah, I think about things. A lot. And convince myself I'm incapable of doing the things I think about. It's a defeatist attitude I've slipped into over the years, and it's ***** hard to get out of.

Take getting a car for example. I think about this. I know I need one. I know it'll be beneficial. I think about all the uses a car would have. Then I convince myself that I could never buy a car. If I bought a car it would be a piece of junk. It would fall apart and cost me a fortune. "You don't know anything about cars," I remind myself.

It's like a short-circuit in my brain stopping me from actually doing ****. Like a thick fog covering everything. Nothing is clear and I can't see the wood for the trees.

And that makes me worry for the future. Worry is not a practical emotion. It doesn't get things done. It causes stress. And then I tend to treat the symptoms instead of the cause.

See, I can tell you exactly what the problem is but that doesn't mean I can fix it.
 
Yeah, I think about things. A lot. And convince myself I'm incapable of doing the things I think about. It's a defeatist attitude I've slipped into over the years, and it's ***** hard to get out of.

Take getting a car for example. I think about this. I know I need one. I know it'll be beneficial. I think about all the uses a car would have. Then I convince myself that I could never buy a car. If I bought a car it would be a piece of junk. It would fall apart and cost me a fortune. "You don't know anything about cars," I remind myself.

It's like a short-circuit in my brain stopping me from actually doing ****. Like a thick fog covering everything. Nothing is clear and I can't see the wood for the trees.

And that makes me worry for the future. Worry is not a practical emotion. It doesn't get things done. It causes stress. And then I tend to treat the symptoms instead of the cause.

See, I can tell you exactly what the problem is but that doesn't mean I can fix it.

From the sounds of it, before you start to change your life in a material sense, you need to go and see a psychologist. I'm serious, by the way.
 
Yeah, I think about things. A lot. And convince myself I'm incapable of doing the things I think about. It's a defeatist attitude I've slipped into over the years, and it's ***** hard to get out of.

Take getting a car for example. I think about this. I know I need one. I know it'll be beneficial. I think about all the uses a car would have. Then I convince myself that I could never buy a car. If I bought a car it would be a piece of junk. It would fall apart and cost me a fortune. "You don't know anything about cars," I remind myself.

It's like a short-circuit in my brain stopping me from actually doing ****. Like a thick fog covering everything. Nothing is clear and I can't see the wood for the trees.

And that makes me worry for the future. Worry is not a practical emotion. It doesn't get things done. It causes stress. And then I tend to treat the symptoms instead of the cause.

See, I can tell you exactly what the problem is but that doesn't mean I can fix it.
All I can read is BS and excuses. No one is going to be able to help you DO things, which means you either do it yourself or you're ******* screwed.

Go do. Sometimes you have to go do things quickly and spontaneously so that your mind doesn't even get the chance to think. Be more active and agile, don't plod along thinking things aren't going to get better. Things aren't going to get better if you just sit there thinking all the time instead of taking action. Want something? Go get it. No one is going to serve it up on a plate for you.
 
Status
Not open for further replies.
Back
Top Bottom