Loss of childcare.. another blow

  • Thread starter Thread starter vkurup
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Jings there are a few on here that need to realise that they must live within there means.
My daughters friends fella is £30k in debt, what does he do, he takes out a loan on a new £40k car.
I assume from the salaries some of these folk earn that they have a brain.
Why do they choose to pay so much more for things they [a] cannot afford lose all of thier value by the time they are finally paid for...........eughhhhhhhhhh!!!!

I blame the parents.
 
Hobbit said:
Oh me sides!! You're killing me...

The high earning family has chosen to spend their money on what can only be described as an expensive lifestyle. You chose your mortgage, which in turn means you chose your Council TaxAfter you've taken the CB off your income its gone down by less than £1k. Maybe you should have planned for that, and your child going to uni. After all, you knew it was coming.

Can you tell me the difference between someone on the minimum wage getting every benefit going and someone on £60+k grabbing what they can? In my view the guy on minimum wage has little choice but you...

Try putting 4 thro' uni on half that...
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+1

Very well put.
 
PhilTheFragger said:
I unsure why some people think that anyone earning £60k is some kind of super rich person with a millionaire lifestyle

After tax and NI, that £60k has reduced to £40K or £3333 a month,Still substantial but then lets look at all the outgoings for a typical family of 4

Mortgage/Rent £1000, Food £700, Council Tax £200, Utilities £300, Insurance Life & Buildings) £200, Car costs,( Tax, Insurance Petrol Service) £250, Just that is £2700 and thats without including any golf, Holidays, school trips, entertainment, if you have a student at uni its even worse,

So lets get away from the idea that taking away child benefit is easily absorbed by a high earning family,

In our case its a double wammy, Our eldest has just gone to Uni, so Child benefit has stopped for her, but im having to payout £600 per term for her Student Hall ( the rest is on a student loan) and also £75 a week for her food.

Might have to go and sell my body

Fragger
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That is as Gash as Westwood's short game Fragger.

Utter tripe!
 
PhilTheFragger said:
I unsure why some people think that anyone earning £60k is some kind of super rich person with a millionaire lifestyle

After tax and NI, that £60k has reduced to £40K or £3333 a month,Still substantial but then lets look at all the outgoings for a typical family of 4

Mortgage/Rent £1000, Food £700, Council Tax £200, Utilities £300, Insurance Life & Buildings) £200, Car costs,( Tax, Insurance Petrol Service) £250, Just that is £2700 and thats without including any golf, Holidays, school trips, entertainment, if you have a student at uni its even worse,

So lets get away from the idea that taking away child benefit is easily absorbed by a high earning family,

In our case its a double wammy, Our eldest has just gone to Uni, so Child benefit has stopped for her, but im having to payout £600 per term for her Student Hall ( the rest is on a student loan) and also £75 a week for her food.

Might have to go and sell my body

Fragger
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£1200 for a mortgage and council tax? £300 for gas and electricity?

That's almost as much of a laugh as the OP.
 
PhilTheFragger said:
I unsure why some people think that anyone earning £60k is some kind of super rich person with a millionaire lifestyle

After tax and NI, that £60k has reduced to £40K or £3333 a month,Still substantial but then lets look at all the outgoings for a typical family of 4

Mortgage/Rent £1000, Food £700, Council Tax £200, Utilities £300, Insurance Life & Buildings) £200, Car costs,( Tax, Insurance Petrol Service) £250, Just that is £2700 and thats without including any golf, Holidays, school trips, entertainment, if you have a student at uni its even worse,

So lets get away from the idea that taking away child benefit is easily absorbed by a high earning family,

In our case its a double wammy, Our eldest has just gone to Uni, so Child benefit has stopped for her, but im having to payout £600 per term for her Student Hall ( the rest is on a student loan) and also £75 a week for her food.

Might have to go and sell my body

Fragger
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I hear violins.............:angry:
 
It seems to me there's a lot of hypocrisy in this thread, and indeed in society in general!
Scrounging seems to be acceptable if the scrounger earns in excess of £60k whereas the lower class ( to use the terminology used by some in this thread) are vilified.
 
Who used the terminology "lower class"? I used "middle class" as defined by the people earning in excess of £60k, I would not have used "lower class", I may use "working class", but that's how I predominantly refer to myself. Did someone actually use the term "lower class".
 
If you use the term "middle class" it follows that there is a "lower class" and an "upper class".

Why would you describe yourself as middle class if you work, and not working class?
 
Also, why is it scrounging? I may not agree with it, but the fact remains that currently, everyone is entitled to child benefit. People (of any class) who do something with the express intention of claiming a benefit are scrounging. People who claim what they are entitled to are not scrounging. Is using the NHS scrounging when you can afford private medical care?
 
Iaing said:
If you use the term "middle class" it follows that there is a "lower class" and an "upper class".

Why would you describe yourself as middle class if you work, and not working class?
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So the middle classes don't work eh?? I describe myself as working class as that's how I was brought up. Others may describe me as middle class based on earnings or lifestyle. I wouldn't use the term lower class, as stated, I'd use working class. You appear to be putting words into my mouth to suit your argument.
 
Doon frae Troon said:
Jings there are a few on here that need to realise that they must live within there means.
My daughters friends fella is £30k in debt, what does he do, he takes out a loan on a new £40k car.
I assume from the salaries some of these folk earn that they have a brain.
Why do they choose to pay so much more for things they [a] cannot afford lose all of thier value by the time they are finally paid for...........eughhhhhhhhhh!!!!

I blame the parents.
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I wouldnt blame the parents, its society in general.
What do they say about burglars , criminals etc...they're not bothered because theres no deterrent , nothing to bother them if they get caught. so , the daughters fella is £70k in debt, what will happen to him?keep up the payments, no probs, if he cant, the cars gone, no probs.
 
Iaing said:
To keep things a bit simpler, why not lose the classes and use the terms "lower income", "middle income", and "skysthefeckinlimitupperincome"? ;)

http://www.youtube.com/watch?v=K2k1iRD2f-c
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Hi Laing
I went for 40 years thinking that I had seen that sketch live at London Weekend Studios.
I started writing stories about my life for a bit of fun after I retired. As I researched the date I realised that I could not have been there. I had seen an episode of The Frost Report with the same cast about 2 weeks earlier.
Funny old thing memory!.
 
I'm sorry but we pull in about £33k and as a young family it may not mean its easy but it's do-able. We get about £7 a week tax credit and £80 a month. Plus we pay £300 of the nursery fees through childcare vouchers. In the end after bills it's about £850 minus about £55 for mobiles. Then £40 a week petrol. So £600. Oh wait. Another £180 on childcare so...£420 for food and luxuries...

If we brought in double...I would not expect a single penny!!!!

The guy earning £49k....that plenty to live on. If you're finding it tough...cut back!
 
Andy said:
That is as Gash as Westwood's short game Fragger.

Utter tripe!
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No Andy its not tripe, im playing devils advocate to a certain extent, but making a point that any family, regardless of income, who has had child benefit coming in for any length of time , will have got used to it being there, and its removal will have an effect on the family budget.

Im just making the point that Higher earners are not exempt from financial pressure, The only part of my post that related to my circumstances is the last part about having a kid at Uni (and 2 more in the next 4 years) and making the point that I have lost her child Benefit, and having to find £500 a month to keep her.

Im not getting out my begging bowl or asking for violins, im just making a point that no matter how much you earn, it all goes

Fragger
 
I thought that middle classes were defined by aspirations of home ownership. Hence if you own a home you bought, you're middle class, what ever you might like to think you might be.
 
Tiger said:
And to be perfectly honest the fact this conversation is taking place on a golf forum of all places is laughable.
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Seriously?

... there's a thread called "Rangers" with 1,350 replies!!...... anything can be discussed in the OOB section, even rubbish


And you lot, stop picking on Fragger....!!! :ooo:
 
JustOne said:
And you lot, stop picking on Fragger....!!! :ooo:
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I am with Fragger and bluewolf on this one.. i think this thread has almost run its cause now, i appreciate its a touchy subject for some so will leave the rest of my political opinions for the pub/golf course.
 
Rooter said:
I am with Fragger and bluewolf on this one.. i think this thread has almost run its cause now, i appreciate its a touchy subject for some so will leave the rest of my political opinions for the pub/golf course.
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This is allways going to be a touchy subject when people earning over 60k/ yr start whinging about benefit cuts. You need to remember that whilst these cuts might mean you can't afford that new jag you had set your heart on, there are tens of thousands of people in this country struggling to put food on the table. People working 40+ hrs a week for less than a quarter of your 60k.
On a positive note though, at least Obama won. :thup:
 
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