Rising cost of living

[jfman]

In fairness I think Jaymoss is aiming for the more nuanced point than saying none. A person earning 45k is more likely to have some scope than someone earning the national average or on benefits but agreed that doesn’t mean they all will (or everyone in the latter groups aren’t in a position to).

Originally Posted by Jaymoss

I said will have more headroom not no issues I believe

Thats the same thing, if you have "headroom", then you dont have any issues. When you run out of headroom, you have an issue.

[Jaymoss]

Originally Posted by Paul

Thats the same thing, if you have "headroom", then you dont have any issues. When you run out of headroom, you have an issue.

Semantics Paul come on. If you have a little headroom and jump you bang your head if the ceiling is 2 foot above your head you are less likely to

[TheDaddy]

Originally Posted by jfman

In fairness I think Jaymoss is aiming for the more nuanced point than saying none. A person earning 45k is more likely to have some scope than someone earning the national average or on benefits but agreed that doesn’t mean they all will (or everyone in the latter groups aren’t in a position to).

Indeed, easy access to cheap credit, savings, remortgaging etc the struggle will be different in a lot of cases

[OLD BOY]

Originally Posted by Jaymoss

I said will have more headroom not no issues I believe

The headroom is selling your home. £45,000 pa sounds a lot to many people but if you can barely afford your mortgage, you are in the same state as every one else.

The grass always seems greener on the other side, dunnit?

[Jaymoss]

Originally Posted by OLD BOY

The headroom is selling your home. £45,000 pa sounds a lot to many people but if you can barely afford your mortgage, you are in the same state as every one else.

The grass always seems greener on the other side, dunnit?

I know people live by their means but with more funds there are more things you can tighten your belt on. Simply by changing shopping or buying less clothes or cheaper ones. I would put money on someone on min wage showing full expenditure and someone on 45K showing theirs that it would be a hell of a lot easier to free up a grand on theirs rather than those on min wage. I would bet a good few of them could cover the bills alone by not going on holiday abroad for example

[jfman]

Originally Posted by OLD BOY

The headroom is selling your home. £45,000 pa sounds a lot to many people but if you can barely afford your mortgage, you are in the same state as every one else.

The grass always seems greener on the other side, dunnit?

Interesting.

https://www.cableforum.uk/board/show...postcount=4138

Originally Posted by OLD BOY

It's a recognition of the fact that many people do work hard.

The problem is there are lazy and disruptive people, resistant to change, who are responsible for this country's low productivity. These are the people Liz Truss was referring to.

Could it be that 45 grand, about 1.5 times the average salary, buys you a seemingly miserable existence is the reason for low productivity in the UK?

[OLD BOY]

Originally Posted by jfman

Interesting.

https://www.cableforum.uk/board/show...postcount=4138



Could it be that 45 grand, about 1.5 times the average salary, buys you a seemingly miserable existence is the reason for low productivity in the UK?

It is not clear what your point is. I dare say that those earning £45 grand are not the ones creating our low productivity levels. You have to work pretty hard to get to that salary level, as a general rule.

[jfman]

Originally Posted by OLD BOY

It is not clear what your point is. I dare say that those earning £45 grand are not the ones creating our low productivity levels. You have to work pretty hard to get to that salary level, as a general rule.

They’re working hard for their Dickensian existence comparable with those on half their salary, and on benefits?

Can you point me to this “general rule” you speak of? Or are you making baseless assumptions, another of the sweeping generalisations that are a staple of your decreasingly credible posts?

A Tube driver gets 50 and doesn’t even have to steer.

My money is on (as a general rule, indeed) the grass being more often greener for people on 45 grand than 25 grand, just as it is for those on 25 compared to those on 15.

[OLD BOY]

Originally Posted by jfman

They’re working hard for their Dickensian existence comparable with those on half their salary, and on benefits?

Can you point me to this “general rule” you speak of? Or are you making baseless assumptions, another of the sweeping generalisations that are a staple of your decreasingly credible posts?

A Tube driver gets 50 and doesn’t even have to steer.

My money is on (as a general rule, indeed) the grass being more often greener for people on 45 grand than 25 grand, just as it is for those on 25 compared to those on 15.

It sounds to me that you begrudge the train drivers their higher salaries than you are getting, although I note that you are not yourself a train driver. I wonder why not? Too much responsibility? Too many unsocial hours? Lack of concentration?

We can both do insults, jfman. Let’s try to debate the actual subject … if you dare!

[jfman]

Originally Posted by OLD BOY

It sounds to me that you begrudge the train drivers their higher salaries than you are getting, although I note that you are not yourself a train driver. I wonder why not? Too much responsibility? Too many unsocial hours? Lack of concentration?

We can both do insults, jfman. Let’s try to debate the actual subject … if you dare!

That’s quite funny OB. A baseless post followed up by a baseless post. Maybe I’m earning more than a Tube driver, for less hours, with less responsibility, concentrating far less and in a cheaper part of the country?

Maybe I’m red-green colour blind?

Maybe all of the above is true. Either way it’s entirely irrelevant and none of your business OB. Your invitation to debate the subject at hand is quite entertaining since you are the one who derailed it.

Pointing out you have no evidence base for your increasingly spurious posts might hurt your feelings OB. However, if you take them as insults then that’s perhaps indicative that you should spend less time clutching at straws on an ever increasing range of topics for which your only interest is to defend the Government and/or denigrate the young and poor.

Someone does not know when to stop crossing a red line & that is making personal attacks/insults on others.

A little reminder of the rules:

You agree that you will not:

Make personal attacks on anyone during your use of the forum.

Post deleted, topic access revoked for 24 hours.

[Sephiroth]

Originally Posted by jfman

<SNIP>

My money is on (as a general rule, indeed) the grass being more often greener for people on 45 grand than 25 grand, just as it is for those on 25 compared to those on 15.

Dunno about that. Someone on 45 grand is likely to have greater commitments than someone on 25 grand whose commitments won’t be that much higher than someone on 15 grand. Sort of thing. The person on 45 grand may well have had time to produce more children than the person on 25 grand and thus will consume more energy. Etc.

[jfman]

Originally Posted by Sephiroth

Dunno about that. Someone on 45 grand is likely to have greater commitments than someone on 25 grand whose commitments won’t be that much higher than someone on 15 grand. Sort of thing. The person on 45 grand may well have had time to produce more children than the person on 25 grand and thus will consume more energy. Etc.

I’m sure there will be many examples against the trend, particularly those who have in the last few years borrowed at or near the maximum they can for a mortgage. The underlying assumption is a greater rainy day fund and/or greater discretionary expenditure (socialising, holidays, more expensive car). It won’t be the case for everyone, and the squeeze on multiple fronts (mortgage rates) certainly has the potential to exhaust much of this in the coming months for many of those that do have the luxury.

Less discretionary expenditure has wider economic impacts for those employed as a result of it in pubs, cafes, restaurants, retail, etc. I’m certainly not intending to imply they’ll have no problems individually nor present a wider economic problem even if they can tighten their belts accordingly.

Found an interesting read - it doesn’t answer the question but an indication of just how many households savings could be decimated if this lasts a couple of years.

https://www.nimblefins.co.uk/savings...avings-uk#nogo

[Pierre]

Originally Posted by jfman

My money is on (as a general rule, indeed) the grass being more often greener for people on 45 grand than 25 grand, just as it is for those on 25 compared to those on 15.

Spot on.

But it seems that Unions nowadays are more focused on improving the outcomes of the 45, than the 25 or indeed the 15.