£26,000 Benefit Cap

[Ed209]

I get what you are saying but you're not the first idiot to not seperate your money

[LondonTom]

Honnestly can't believe Barry thinks like this, he must be a trolling everyone here ?

[eFestivals]

My income would be £39k and not £40k... A key difference in thinking...

The £39k would be split up between the general things we need and want... The additional £1k would be used on things JUST for the kid... It won't enable us to have a holiday... It would never get involved in that working out... The only thing it "enables" is us to do is buy more things for the kid...

Our ability to have a holiday not will be based on the sole income of £39k and if anything was left over after buying the essientials. The £1k child benefit is ear marker for the kid. Simples

If you don't get that I feel sorry for you.

Fuck me, you really are as thick as you've been presenting yourself as.

If you get £40k in income - and you do in my hypothetical - then where that income comes from is not of any relevance at all. None.

And if you spend all of the £1k CB on the kid, you would have to be spending all of that on the kid on things you would not buy for her without the CB for things to work in the way that you're saying here.

But: you said you spent some of it on a child seat for the car. Are you really saying you wouldn't have bought your kid a child seat if you didn't get CB?

Yeah, right.

Feel sorry for your own lack of minimal intelligence. There's nothing else here that needs sympathy.

[kaosmark2]

Its you who can't think outside of the box

Soon as you view something like CB as income you start biassing your ability to do certain things on it... Like get a mortgage... Like many have done and now many are saying there world is going to blow up when it is cut...

Oh well... You manage your money your way but my way is better

[kaosmark2]

And your example is shit and unrealistic....

But if I had only £1k surplus to play with it wouldn't go on a holiday...

[eFestivals]

Its you who can't think outside of the box

Soon as you view something like CB as income you start biassing your ability to do certain things on it... Like get a mortgage... Like many have done and now many are saying there world is going to blow up when it is cut...

Oh well... You manage your money your way but my way is better

the problem here is you not thinking, but instead being out of your box.

Even if you spent every penny of that CB on your kid for things your kid wouldn't otherwise have, your kid is benefiting by getting those unnecessaries - luxuries - that she wouldn't otherwise have.

But you don't spend every penny of it on luxuries for her, you spend at least some of it on the essentials* - such as a child seat for her.

(* 'essentials' meaning things you would but for her anyway, even if you didn't get CB. It would be a rare bird indeed who had a car but refused to allow their child to be carried in it.)

So that gets to mean that you spent the CB on the necessities, thus freeing up other parts of your income for spending on luxuries. That's no different to CB buying you luxuries, no different to how another family might choose to spend it on Sky for their kids benefit.

In your mind it's wrong for other families to spend their benefits on luxuries, while it's perfectly OK for you to do it.

You're a fruitcake.

[kaosmark2]

Its like money for retards 101 this

[Ed209]

Barry, that avatar picture is flattering your intellegence

[eFestivals]

Its like money for retards 101 this

It is from you, yep.

Have you not wondered why even people who don't normally post in this thread have posted to laugh at your stupidity?

Or are you too stupid to join up the dots with that as well as everything else?

[kaosmark2]

Yeah, Im fucking moron when it comes to money aren't I...

[eFestivals]

it's astounding. I don't think I've ever been so dumbstruck by posts on here as I have with Barry's today - and given some of the dumbfucks that have posted on here over the years that's a very difficult thing for Barry to have managed.

Edited March 7, 2012 by eFestivals

[eFestivals]

Mind you, maybe I'm the dumbfuck for having taken till now to realise just how stupid he is.

I've just noticed the start date of this thread and it's taken 6 weeks of posting simple sense at him for him to realise just how disgustingly abhorrent his viewpoint was over this benefit cap.

So if anyone's got the patience, in about a year's worth of further posts in here he might cotton on to how financially inept he is.

[kaosmark2]

it's astounding. I don't think I've ever been so dumbstruck by posts on here as I have with Barry's today - and given some of the dumbfucks that have posted on here over the years that's a very difficult thing for Barry to have managed.

[eFestivals]

hey Barry, your missus has got a better job than you from what you've posted, so I'm guessing she's also got a better brain than you.

Perhaps try asking her? Or will it scare you that she'll laugh at you as much as we are?

[kaosmark2]

Mind you, maybe I'm the dumbfuck for having taken till now to realise just how stupid he is.

I've just noticed the start date of this thread and it's taken 6 weeks of posting simple sense at him for him to realise just how disgustingly abhorrent his viewpoint was over this benefit cap.

So if anyone's got the patience, in about a year's worth of further posts in here he might cotton on to how financially inept he is.

[eFestivals]

I just don't get it. It's such a simple principle he doesn't understand, and yet he genuinely thinks that he's got a better grasp of the argument than anyone else here. There's a level of idiotic delusion I didn't think possible in modern society.

We're back to that article again, about low childhood intelligence (and adult too, clearly ) causing people to be reactionary morons.

[kaosmark2]

We're back to that article again, about low childhood intelligence (and adult too, clearly ) causing people to be reactionary morons.

[eFestivals]

Whatever Barry's smoking, I want some.

hey, don't go doing down the weed. It doesn't turn my brain to mush, it'd take a sledgehammer blow to the head and brain death for me to get to Barry's level.

[kaosmark2]

hey, don't go doing down the weed. It doesn't turn my brain to mush, it'd take a sledgehammer blow to the head and brain death for me to get to Barry's level.

[kaosmark2]

You all make me laugh

In Neil imaginary numbers my budget would be set against the £39k...

So it would include all the stuff we needed costed against that income... So if I was due a child seat etc it would be in that budget...

The additional child benefit money would go towards nice extras (like swimming lessons or a better car seat - which is what we actually did) or start to be used for more essentials (like nappies) if required due to lower income from jobs. But by this stage any hope of going on a holiday would be far removed...

The concept that her CB money EVER goes towards luxury for me is laughable and far removed from any sort of money planning I do

If the essentials was £39k... taking up 100% of my earned income and I had £1k floating around in the child benefit bucket... I would the use it for HER... It would no doubt continue to fund her swimming lessons etc. It wouldn't go on a holiday or a sky subscription...

Is it that hard to understand.. I mean really

[eFestivals]

The additional child benefit money would go towards nice extras (like swimming lessons or a better car seat - which is what we actually did)

Would you have bought your kid a child seat if you didn't get CB?

Or would you instead have banned her from your car(s) until she was 12 years old and not needing a child seat?

(simple questions, which only need simple answers. Yes, there is a point to this).

[Ed209]

OK ... in which case you've saved £150 of your salary that you would have otherwise spent on a car seat. What are you doing with that £150?

its like teaching primary school arithmetic

[Ed209]

Barry, you going to reply to my post at the bottom of the previous page, or have you just woken up to being an idiot?

[eFestivals]

I would of bought a much cheaper one than we did do... I bought a really cool one with special safety features... £250... If not I would of gone for the standard one for about £150

OK ... in which case you've saved £150 of your salary that you would have otherwise spent on a car seat. What are you doing with that £150?

its like teaching primary school arithmetic

Ed has taken the words out of my mouth.

What did you do with that £150 which would have otherwise come out of your 'other income' (as opposed to CB)?

Would it, by chance, have become 'spare' money, that you were able to put towards other things - luxuries - that you wouldn't have otherwise been able to have?

[kaosmark2]

have you just woken up to being an idiot?