JSA once the kid hits 7

[ampersand]

Maybe Im lost here, but what would his cutting his income in half and his wife giving up work achieve?

[eFestivals]

Maybe Im lost here, but what would his cutting his income in half and his wife giving up work achieve?

it would achieve an income for him of around the average (tho actually a bit more than the average) - an income that he would still be able to live on and pay his mortgage, something he suggested wouldn't be possible.

[eFestivals]

You are not very good with numbers are you...

So that is a £20k income... £15.7k net...

The mortgage alone is £12k a year...

Your bright idea leads to a monthly loss of £396 and that is after removing all forms of spends and entertainment, life insurance and pension contributions...

That is just paying for the following:

Mortgage

Food

House Insurance

Utilities

Council Tax

Well done Neil... It would be even worse if i had to pay for travel to work... I havent included buying clothes or anything else either..

Firstly, I was working off you still being on £25k+ - after all, you've happily said recently you earn over £50k. Funny how it's suddenly dropped, eh?

What you've just said is "That is just paying for the following, including luxuries I refuse to give up".

Plenty of others succeed in living on that level of money (even on the fake figure you've given for yourrself, rather than the real numbers).

But I guess it's because you're so special and clever and smart that it's impossible for you, eh?

Edited October 25, 2010 by eFestivals

[eFestivals]

Or in other words... You don't know....

I do know, thanks.

I know that you'll lie about your income when it suits you to, as you've just proven.

I know that you believe that your current lifestyle isn't shrinkable n(but that it is for anyone on benefits), as you've just proven.

And I know that you think it's great idea for people to look for something that isn't there. And you think it's 'fair' to make them find the impossible.

There's nothing I can tell you which will make any difference to the above. So I'm smart enough not to bother.

[eFestivals]

Nothing has changed... My company earns more than I take out of it... I take £40k a year on average, the rest is saved for my future use by being left in the business...

corrected for you.

My working out had no luxuries... just the bare basics associated with this type of house... basic three bedroom home...

How much on food?

Mortgage: £1000

council tax: £100 (ish)

Utilities: £50 (you don't have to have the luxury of an always-warm comfortably warm house)

House Insurance: luxury

food: £158 pm. (you could do it on half that, no prob).

Easily doable - as a huge chunk of the country proves each week (without getting a house out of it at the end, as you would).

[eFestivals]

It is there to pay for the things the business needs... its called reinvesting into the business

yeah, cos a one man band programmer needs to make huge business investments, eh?

What planet do you live on

If you have a mortgage you HAVE TO HAVE house insurance (building). I do have content insurance but it isn't going to change the world...

On a planet where I know you have to have BASIC buildings insurance and nothing more. And where I know that that basic buildings insurance is cheap compared to the bits that fairly standardly people add to it.

Gas and Electricity costs roughly £109 a month and water rates is £37.55 a month.

Gas and electric costs what you use. Don't use as much.

The weekly shopping bill is a £100 per week. I accept this could be lower but it also includes all the toiletries, nappies, stuff for the garden and so on. So it can only be so much lower.

You could do it at less than £20 a week, easily.

You asked me how it could be done. Just because you refuse to have anything cut when your income is, doesn't mean I've not shown you how it can be done. I've shown it can be done (and you'd still walk away with a house at the end of it - which is more than other people do on the same income).

[eFestivals]

£20 a week ? :lol I have no idea how you can feed two adults and a baby plus everything else you need on £20 a week... Well I do, but it wouldn't be pretty

with basic food and effort instead of throwing money at things to have no effort.

I suppose I could just about break even... I suppose now I just have to worry about the boiler breaking... furniture wearing out... weather damage to the property... and other none essentials in your world like clothing or transport... My glasses cost £200 (minimum), then again who needs eye sight

welcome to the real world for most people.

[bunique]

You would certainly have to use things like reuseable nappies etc...

Edited October 25, 2010 by bunique

[The Nal]

OK Im totally lost. Not sure what the issue is.

If it makes anyone feel any better/worse, I spent 110 quid on whiskey two weekends ago. Im not sorry and Ill do it again.

[bunique]

Lets talk when you have had a little one Specially when you have to buy the extra soap tablets for those reusable nappies you are going to get, and the increased utility bills from washing them

[bunique]

They don't have to... I accept we could cut the shopping bill.. But as you know there are a lot of costs you won't be able to cut.. Plus some which come out of nowhere..

[sifi]

Its little things like this Neil is purposely ignoring... The bigger the house the bigger the cost at fixing / replacing such things as well...

Local tradesmen can cost dramatically more depending on your location as well...

[Pogues Mcgogues]

There's something wrong with me. I can't be arsed reading through 11 pages of guff just because it has a political edge. wtf?!

In fact, I haven't in a while now. What's happened?

[sifi]

Not a lot. Oaf is hammering people on benefits just for a change, and then tried to explain why he couldn't survive on less than thirty grand a year.

[Pogues Mcgogues]

Not a lot. Oaf is hammering people on benefits just for a change, and then tried to explain why he couldn't survive on less than thirty grand a year.

[sifi]

Sorry, twenty five grand a year.

[sifi]

So you can't live off 25k then?

[sifi]

Oh, and apparently I'm a highly paid contractor, which will please my beloved no end.

[Pogues Mcgogues]

Oh, and apparently I'm a highly paid contractor, which will please my beloved no end.

[sifi]

I always imagined you quite well off. Or at least pretty middle class.

[Pogues Mcgogues]

Oh no. I'm far too hedonistic to be well off I'm afraid. But I'm happy so that's the most important thing.

[Pogues Mcgogues]

Like heating

[sifi]

We tend to keep the one room warm with a fire, and then have the central on for half an hour before bed and an hour before waking up.

[sifi]

It was always fairly low down Maslow's hierarchy of needs. Food, shelter, warmth, sex - that kind of thing!

Edited October 25, 2010 by sifimaster

[sifi]

I don't understand how something you can't live without is a luxury, agreed.

Obviously the amount you use can be managed, as most folk do but it's no luxury.

Did Neil say that?

Edited October 25, 2010 by sifimaster