| Them and us cost of living crisis 08:31 - Jan 14 with 604 views | Whiterockin |
During the cost of living crisis there are definitely many it is not really affecting as much. Apart from the last couple of weeks which are notoriously quiet, people seemed to be out spending money in restaurants and up market shops ect. Now there is a surge in holiday bookings, normal at this time of the year, but was it expected in a cost of living crisis. There is definitely a case of them and us.
https://www.bbc.co.uk/news/business-64234234 |  | | |  |
| Them and us cost of living crisis on 09:20 - Jan 14 with 560 views | JACKMANANDBOY |
I saw some analysis, I can't find it today, that indicated that around 80 percent of households had the capability to absorb the current round of inflation, some may need to reallocate funds.
Retail sales over Xmas were relatively strong and as you say holiday bookings are very strong in 2023. I went to Cheltenham races over Xmas there was not a spare seat in any restaurant in the town. I have a few friends who are saving between £2,500 and £6,000 a year by not having to commute.
The media sensationalism needs to be replaced by objective analysis and evidence based reporting. |  |
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| Them and us cost of living crisis on 09:25 - Jan 14 with 555 views | Dr_Winston |
Have said similar several times. Some will be struggling (although not as many as could have been without the Government support schemes). Most others will have barely noticed.
JACKMANANDBOY raised a point in the Drakeford thread which I hadn't considered but is spot on. A couple aged 23+ with no kids both working 40 hours and earning no more than the NLW will be getting £760 a week before stoppages between them. That's easily £2500 a month take home. Probably more. They'll be spending more on a lot of things but there's still plenty of disposable income there. In April they'll be getting nearly an extra £80 a week when the NLW rate goes up.
It's all about circumstances. I'll be honest here, I haven't really needed any of the support. My energy bill has gone up about £40 a month, which I can afford no problem, and most of my staples have gone up pennies, if at all. Plenty like me out there. |  |
| Pain or damage don't end the world. Or despair, or f*cking beatings. The world ends when you're dead. Until then, you got more punishment in store. Stand it like a man... and give some back. |
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| Them and us cost of living crisis on 09:34 - Jan 14 with 546 views | JACKMANANDBOY |
| Them and us cost of living crisis on 09:25 - Jan 14 by Dr_Winston |
Have said similar several times. Some will be struggling (although not as many as could have been without the Government support schemes). Most others will have barely noticed.
JACKMANANDBOY raised a point in the Drakeford thread which I hadn't considered but is spot on. A couple aged 23+ with no kids both working 40 hours and earning no more than the NLW will be getting £760 a week before stoppages between them. That's easily £2500 a month take home. Probably more. They'll be spending more on a lot of things but there's still plenty of disposable income there. In April they'll be getting nearly an extra £80 a week when the NLW rate goes up.
It's all about circumstances. I'll be honest here, I haven't really needed any of the support. My energy bill has gone up about £40 a month, which I can afford no problem, and most of my staples have gone up pennies, if at all. Plenty like me out there. |
The annual take home figure for two full timers on £11 per hour is £3070.
As you say it all depends on circumstances. | |
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| Them and us cost of living crisis on 09:38 - Jan 14 with 544 views | Boundy |
| Them and us cost of living crisis on 09:25 - Jan 14 by Dr_Winston |
Have said similar several times. Some will be struggling (although not as many as could have been without the Government support schemes). Most others will have barely noticed.
JACKMANANDBOY raised a point in the Drakeford thread which I hadn't considered but is spot on. A couple aged 23+ with no kids both working 40 hours and earning no more than the NLW will be getting £760 a week before stoppages between them. That's easily £2500 a month take home. Probably more. They'll be spending more on a lot of things but there's still plenty of disposable income there. In April they'll be getting nearly an extra £80 a week when the NLW rate goes up.
It's all about circumstances. I'll be honest here, I haven't really needed any of the support. My energy bill has gone up about £40 a month, which I can afford no problem, and most of my staples have gone up pennies, if at all. Plenty like me out there. |
and yet food banks have never been so needed as they are now . When armageddon is forecasted then people will as always look
inwards , pleasure today ,pay tomorrow. Energy bills are expected to double in April . I live in one of if not the most deprived areas of Swansea and believe me the effects are being felt all around a me . I know people with medical conditions who can't afford not to have the heating on and we're not out of winter yet . At the rate of food prices rises for example the so called disposable income ( very little of that if you're on a fixed income ) is now become everyday outgoings . As you say you can afford the rises , many can't |  |
| "In a free society, the State is the servant of the people—not the master." |
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| Them and us cost of living crisis on 09:45 - Jan 14 with 540 views | Dr_Winston |
| Them and us cost of living crisis on 09:38 - Jan 14 by Boundy |
and yet food banks have never been so needed as they are now . When armageddon is forecasted then people will as always look
inwards , pleasure today ,pay tomorrow. Energy bills are expected to double in April . I live in one of if not the most deprived areas of Swansea and believe me the effects are being felt all around a me . I know people with medical conditions who can't afford not to have the heating on and we're not out of winter yet . At the rate of food prices rises for example the so called disposable income ( very little of that if you're on a fixed income ) is now become everyday outgoings . As you say you can afford the rises , many can't |
I've worked in welfare for 25 years. There's nothing you're telling me that I don't already know and haven't already said.
The point being made is not that there aren't people struggling, it's that there are plenty of people, almost certainly a clear majority, who aren't struggling at all. Even people on what most would consider a low income. It's not a "them and us" thing. It's a circumstances thing. | |
| Pain or damage don't end the world. Or despair, or f*cking beatings. The world ends when you're dead. Until then, you got more punishment in store. Stand it like a man... and give some back. |
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| Them and us cost of living crisis on 09:50 - Jan 14 with 534 views | mangohilljack |
| Them and us cost of living crisis on 09:45 - Jan 14 by Dr_Winston |
I've worked in welfare for 25 years. There's nothing you're telling me that I don't already know and haven't already said.
The point being made is not that there aren't people struggling, it's that there are plenty of people, almost certainly a clear majority, who aren't struggling at all. Even people on what most would consider a low income. It's not a "them and us" thing. It's a circumstances thing. |
It's called credit and sh1t will hit the fan at some point | | | |
| Them and us cost of living crisis on 09:59 - Jan 14 with 527 views | Whiterockin |
| Them and us cost of living crisis on 09:50 - Jan 14 by mangohilljack |
It's called credit and sh1t will hit the fan at some point |
I don't think it's credit, more down to disposable income. Some have it in abundance, some have a little and some have none. As has been said it's all about circumstances. | | | |
| Them and us cost of living crisis on 10:12 - Jan 14 with 503 views | magicdaps10 |
| Them and us cost of living crisis on 09:25 - Jan 14 by Dr_Winston |
Have said similar several times. Some will be struggling (although not as many as could have been without the Government support schemes). Most others will have barely noticed.
JACKMANANDBOY raised a point in the Drakeford thread which I hadn't considered but is spot on. A couple aged 23+ with no kids both working 40 hours and earning no more than the NLW will be getting £760 a week before stoppages between them. That's easily £2500 a month take home. Probably more. They'll be spending more on a lot of things but there's still plenty of disposable income there. In April they'll be getting nearly an extra £80 a week when the NLW rate goes up.
It's all about circumstances. I'll be honest here, I haven't really needed any of the support. My energy bill has gone up about £40 a month, which I can afford no problem, and most of my staples have gone up pennies, if at all. Plenty like me out there. |
That couple as an example, I would hazard a guess that their mortgage is easily £800+ and quite easily gone up with the interest rate, their gas and electric gone up to around £180+ a month, throw in their water, council tax, car payments and petrol/diesel, weekly food bill.
Likely missing a bit more outgoings there.
I highly doubt there is plenty of disposable income left after all their outgoings for their home, food and essential travel.
Up until recently, I am a 42yr old married man with 2 kids, up until a couple few years ago there were months that my child care was nearly as much as my mortage... Paying just over £800 a month on childcare. |  |
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| Them and us cost of living crisis on 10:21 - Jan 14 with 492 views | Dr_Winston |
You're looking at a mortgage of £190,000 for payments of £800 a month. How many couples earning NLW would be approved for that much? Far more likely that their theoretical housing costs are closer to £500-600 a month in this area. Probably less if there's a fixed rate mortgage.
Their essential outgoings are likely to be in the ballpark of £1500 a month. The rest is play money. I wouldn't be at all surprised if a lot of this boom in holiday bookings is being paid for with cost of living payments. [Post edited 14 Jan 2023 10:22]
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| Pain or damage don't end the world. Or despair, or f*cking beatings. The world ends when you're dead. Until then, you got more punishment in store. Stand it like a man... and give some back. |
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| Them and us cost of living crisis on 10:26 - Jan 14 with 480 views | 1983 |
| Them and us cost of living crisis on 09:59 - Jan 14 by Whiterockin |
I don't think it's credit, more down to disposable income. Some have it in abundance, some have a little and some have none. As has been said it's all about circumstances. |
Exactly and then you criticus people for striking and wanting a better life for themselves and families. |  |
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| Them and us cost of living crisis on 10:29 - Jan 14 with 477 views | magicdaps10 |
| Them and us cost of living crisis on 10:21 - Jan 14 by Dr_Winston |
You're looking at a mortgage of £190,000 for payments of £800 a month. How many couples earning NLW would be approved for that much? Far more likely that their theoretical housing costs are closer to £500-600 a month in this area. Probably less if there's a fixed rate mortgage.
Their essential outgoings are likely to be in the ballpark of £1500 a month. The rest is play money. I wouldn't be at all surprised if a lot of this boom in holiday bookings is being paid for with cost of living payments. [Post edited 14 Jan 2023 10:22]
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Going by the price of houses I would say quite a lot would be approved for that amount, anyone earning the amount you state that would not be passed are then not earning enough to get a decent mortgage.......thst in itself tells you plenty.
I feel for these youngsters starting out, it's tight and I agree that credit is relied on too much but it's a tough time for these kids especially when buying their first homes.
I think a lot of people passed a certain age don't realise how tough it is for this younger generation. | |
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| Them and us cost of living crisis on 10:34 - Jan 14 with 472 views | Whiterockin |
| Them and us cost of living crisis on 10:12 - Jan 14 by magicdaps10 |
That couple as an example, I would hazard a guess that their mortgage is easily £800+ and quite easily gone up with the interest rate, their gas and electric gone up to around £180+ a month, throw in their water, council tax, car payments and petrol/diesel, weekly food bill.
Likely missing a bit more outgoings there.
I highly doubt there is plenty of disposable income left after all their outgoings for their home, food and essential travel.
Up until recently, I am a 42yr old married man with 2 kids, up until a couple few years ago there were months that my child care was nearly as much as my mortage... Paying just over £800 a month on childcare. |
Circumstances for some are different since the pandemic. Many now work from home, less travelling costs, possibly selling one car and saving there. On the other hand fuel costs have increased as they are home all day. Some have even moved home to a cheaper location because they don't need to travel to work. As for mortgages, if they have one not all do particularly the ones living at home, the majority won't see an increase until they need to remortgage. As I say its all about circumstances and disposable income. Quite a few are actually better off than 2 years ago. | | | |
| Them and us cost of living crisis on 10:34 - Jan 14 with 472 views | magicdaps10 |
| Them and us cost of living crisis on 10:26 - Jan 14 by 1983 |
Exactly and then you criticus people for striking and wanting a better life for themselves and families. |
Opening up another can here.
Watching question time the other night, nurses wanting more money because their overworked and under staffed.........surely keeping their wage the same and getting more staff in solves that problem?
One girl said, I am a nurse and I have a degree......surely I deserve more pay! There in lays the issue!
Go back to the previous route, nurses should be on spot training and not need a degree and pay thousands to go to Uni.
Training for nurses should be the same as that for police officers and army.
This is where the government have done wrong, paying a over worked workforce more isn't going to solve the issue........we need extra numbers in the building and not going into peoples bank accounts. | |
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| Them and us cost of living crisis on 10:38 - Jan 14 with 470 views | magicdaps10 |
| Them and us cost of living crisis on 10:34 - Jan 14 by Whiterockin |
Circumstances for some are different since the pandemic. Many now work from home, less travelling costs, possibly selling one car and saving there. On the other hand fuel costs have increased as they are home all day. Some have even moved home to a cheaper location because they don't need to travel to work. As for mortgages, if they have one not all do particularly the ones living at home, the majority won't see an increase until they need to remortgage. As I say its all about circumstances and disposable income. Quite a few are actually better off than 2 years ago. |
Some are but there are a lot who are not.
A lot of people have saved money during lockdown, not going away etc and that disposable income that has been saved has slowly gone prior to the price hikes since.........the world has become a far more materialistic world unfortunately, not helped by social media such as Facebook for example. | |
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| Them and us cost of living crisis on 10:49 - Jan 14 with 459 views | Whiterockin |
| Them and us cost of living crisis on 10:38 - Jan 14 by magicdaps10 |
Some are but there are a lot who are not.
A lot of people have saved money during lockdown, not going away etc and that disposable income that has been saved has slowly gone prior to the price hikes since.........the world has become a far more materialistic world unfortunately, not helped by social media such as Facebook for example. |
I totally agree many are struggling and I do sympathise. But with the cost of living crisis, why are certain benefits given to everyone, like the £60 plus a month refund when it should be targeted at the most needy. Many don't need it, their circumstances don't require it. | | | |
| Them and us cost of living crisis on 10:53 - Jan 14 with 447 views | magicdaps10 |
| Them and us cost of living crisis on 10:49 - Jan 14 by Whiterockin |
I totally agree many are struggling and I do sympathise. But with the cost of living crisis, why are certain benefits given to everyone, like the £60 plus a month refund when it should be targeted at the most needy. Many don't need it, their circumstances don't require it. |
100% agree that not all households should be getting the govermant help, it would open up the them and us even further if help was given to only certain groups as it already when some are having more than others.
I do agree that not all should be getting the help from the government, its not all as black and white as it appears and this type of debate does make you think more and raises things that you might not have thought on before. | |
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| Them and us cost of living crisis on 10:54 - Jan 14 with 446 views | controversial_jack |
| Them and us cost of living crisis on 10:34 - Jan 14 by magicdaps10 |
Opening up another can here.
Watching question time the other night, nurses wanting more money because their overworked and under staffed.........surely keeping their wage the same and getting more staff in solves that problem?
One girl said, I am a nurse and I have a degree......surely I deserve more pay! There in lays the issue!
Go back to the previous route, nurses should be on spot training and not need a degree and pay thousands to go to Uni.
Training for nurses should be the same as that for police officers and army.
This is where the government have done wrong, paying a over worked workforce more isn't going to solve the issue........we need extra numbers in the building and not going into peoples bank accounts. |
Nurses go through a lot more training than the police or army.Whether they should have to have a degree is another matter. Specialist nurses probably. | | | |
| Them and us cost of living crisis on 11:00 - Jan 14 with 436 views | STID2017 |
Worrying times for many of us financially.
Think it is going to be a long haul.
Personally already having to make lots of painful decisions and financial cuts |  |
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| Them and us cost of living crisis on 12:33 - Jan 14 with 409 views | magicdaps10 |
| Them and us cost of living crisis on 10:54 - Jan 14 by controversial_jack |
Nurses go through a lot more training than the police or army.Whether they should have to have a degree is another matter. Specialist nurses probably. |
I think it's made to hard for people to get into the career personally, I woukdnt disagree that specialist nurses would need more training but this whole going to Uni is putting a lot of people off going into the field.
I just don't think paying them extra is making the situation better other than the individuals bank accounts being better off.....get more people in and it dilutes the workload surely! | |
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| Them and us cost of living crisis on 13:40 - Jan 14 with 373 views | SullutaCreturned |
| Them and us cost of living crisis on 09:38 - Jan 14 by Boundy |
and yet food banks have never been so needed as they are now . When armageddon is forecasted then people will as always look
inwards , pleasure today ,pay tomorrow. Energy bills are expected to double in April . I live in one of if not the most deprived areas of Swansea and believe me the effects are being felt all around a me . I know people with medical conditions who can't afford not to have the heating on and we're not out of winter yet . At the rate of food prices rises for example the so called disposable income ( very little of that if you're on a fixed income ) is now become everyday outgoings . As you say you can afford the rises , many can't |
Energy prices (retail) have dropped ahven't they? petrol has dropped too. Food prices are rising and very noticably. Our last shop we got wat we'd normally get and it's over 40% up on the middle of last year.
We are one of those families Doc mentions, we are not struggling,because of my pension we effectively have 3 full time wages and are still putting a good chunk into savings every month, there's plenty like us BUT even though 20% is the small minority it is still a large number, several million. | | | |
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