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General Chat Thread, My standard of living falls below the acceptable standard. in General; The only issues I ever have with TV licensing is my mum ranting on saying that I need one just ...
  1. #16
    Sarconia's Avatar
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    The only issues I ever have with TV licensing is my mum ranting on saying that I need one just because I own a TV, I've told her a million times already that I paid for the TV, paid for the games console, paid for the games/DVD's, paid for the electicity and therefore do NOT need to pay to watch broadcasts which I can't even receive. TV licensing is a ridiculous farce, all of the channels it funds are complete and utter crap anyway.

    Back on topic... living alone and being completely independent is expensive, it's only possible to bulk buy non-perishables and generally buying smaller, individual items are more expensive.

    It's all about working out where your money goes which brings us to the question... where does it go? I'd say anywhere between 30-50% of it goes on accomodation, be it a mortgage or rental and then bills such as electric, gas and council tax. Another 10-15% most likely goes on food, a further 10-15% on travel costs, about 5-10% on other bills such as internet/mobile phone/gym, yet another 10-15% on either repaying debts or trying to save up and I'd say at least 5% on social events because all work and no play makes us all very dull.

    So depending on your situation and your outgoings it could be an "all money gone" situation quite quickly. Living cheaply is generally quite hard work as it takes time and effort hunting for good prices, cooking your own meals from scratch is cheaper but once again, it takes time.

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    Lucky you, I actually envy a little!

    I bought all furniture and goods from previous owner for a good price.

    In 2 years, I've had to replace 2 microwaves, 2 TV's, a kettle, 3 iron's, also now got trouble with my fridge and washing machine, and a sofa and a sofabed in need of replacement, new wardrobes required, i've had the house rewired already, need to have the guttering and facia boards replaced (asbestos sucks), and all my main water piping requires replacing (all the stop tap valves are locked open, and a couple of them leak)

    So the 2k of savings i've currently got will pay for maybe 1-2 of what I need to fix/replace!

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    We do a lot of "making meals from scratch", I admit..but that's because I suppose you could class us as "odd" parenting-wise...we do co-sleeping, babywearing, attachment parenting and we've been doing baby-led weaning for the last..3 months now? Basically littley has what we have, in "adult" form..lots of Veg and healthy eating etc.

    Far healthier than purees and baby-mush, and if we make anything (even cakes) that we plan on letting her have, we make them by hand and try to cut out salt/sugar/iffy tiddler stuff. It's good fun to boot.

  4. #19

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    I think that figure really does depend on what part of the country you are living in, as I'd be right up s**t creek if I only had 14,440 a year to survive on. That works out around 1000 a month after tax - my mortgage and essential bills come to more than that! My house isn't even very big, Victorian 2 up 2 down end of terrace, but the south east is a damned expensive place to buy a house - 1 bed bedsits can cost over 400 a month to rent, even more in popular places like Canterbury.

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    The thing that I struggle with is the fact I have never been able to afford to save a significant amount in the first place. At the moment I am trying to save to buy a house with my better half, and the money between the 2 of us is limited. At each point I have thought I am making headway I end up with either large bills to pay or replacing broken goods which quickly eat in to my rather limited savings.

    Like you Sirbendy, we make almost all of our meals from scratch, but I'll admit that there are the few occasions we go out for socialising and we probably spend somewhere between 500-700 for holidays each year. Although I wouldn't say we struggle each month, we do watch what we spend and any little emergency could result in spending more than we earn in a single month. But what is quite depressing is at the moment I just cant see our situation getting any better. While we can live at the moment, we cant actually save anything so planning for the future is quite difficult.

  6. #21
    Sarconia's Avatar
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    Quote Originally Posted by maniac View Post
    1 bed bedsits can cost over 400 a month to rent, even more in popular places like Canterbury.
    Don't get me started! London is even worse... the next job I get will hopefully not be down here as you have to earn ridiculous amounts and often it'd be much cheaper to take a smaller salary and live slightly further north. Northamptonshire looks good, lol!

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    Fridges and washing machines are simple devices...I could heartily recommend the Haynes manual for washing machines etc..and fridges are usually problematic due to the thermostat/motor capacitor/door seals..Don't think I've seen a fridge motor fail so far..

    Washers are usually down to a failed water solenoid (cheap), split pipe (cheap), blocked pump (PITA), or duff carbon brushes in my experience..I used to replace them on mums hotpoint every few years. She's now got a Hoover one that's blown the programmer ecu...so in her words "I treat it like a man. I tell it what to do and twiddle it's knob to make it do it.". I laughed.

    I bought our first fridge from a refurb place..a 1970 era English Electric. Worked well for 3 years, went out in a puff of smoke. Not bad for 60. The one now is a Beko, cost me 60 from a friend. The washer we have now is a basic, no frills Indesit. Again, can't fault it.

    Electrical Appliance Manual (Haynes for Home DIY): Amazon.co.uk: Graham Dixon: Books
    The Washing Machine Manual: DIY Plumbing, Fault-finding, Repair and Maintenance: Amazon.co.uk: Graham Dixon: Books

    always useful. My sofa-bed is a futon..naff all to go wrong there. The sofa cost us 20, 4 years ago. Big squishy red velvetty 2 seater. Bargain! Kettles come from Tesco (5), as do my 25 miocrowaves.

    I got a NICE rocking chair/kitchen drop-leaf table/set of chairs/sideboard from my Nans house when we cleared it..nobody wanted them as they're dark wood, and have had 60+ years of family usage, so are hardly pristine..on the other hand, they're Ercol units, and they'll outlast me easily. Some light attention with #0000 wire wool, and a good coat of wax, job done.

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    Quote Originally Posted by Sarconia View Post
    Back on topic... living alone and being completely independent is expensive, it's only possible to bulk buy non-perishables and generally buying smaller, individual items are more expensive.
    I can second this - until recently I've been living alone. I've now got someone living with me which means that not only do I have more time (housework, cooking and such is now taken care of for me) but my costs have actually gone down without any more money coming in. It's largely because there are now meals cooked from scratch each day, which I just couldn't face doing on my own every day.

  9. #24
    CAM
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    If you can't face making meals from scratch the answer is make more then you need! Then you can let it stand until room temperature, put it in a pot and freeze it. When hungry, whip the pot out and put it in the microwave. Let it stand to room temperature first though or you get salmonella.

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    Quote Originally Posted by CAM View Post
    If you can't face making meals from scratch the answer is make more then you need! Then you can let it stand until room temperature, put it in a pot and freeze it. When hungry, whip the pot out and put it in the microwave. Let it stand to room temperature first though or you get salmonella.
    If you have a freezer...

  11. #26
    Sarconia's Avatar
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    Quote Originally Posted by Sirbendy View Post
    Fridges and washing machines are simple devices...I could heartily recommend the Haynes manual for washing machines etc..

    My sofa-bed is a futon..naff all to go wrong there. The sofa cost us 20, 4 years ago. Big squishy red velvetty 2 seater. Bargain! Kettles come from Tesco (5), as do my 25 miocrowaves.
    I'll second that, Haynes manuals are great. With a bit of DIY, some basic tools and some elbow grease, virtually anything can be done. The 5 kettles are great, I've had one die on me but it was only 5 so I couldn't complain. 4years on and my 25 microwave is still working as well!

    A lot of the time, I find that people chuck relatively good items away because they simply can't be bothered. They come home from work and don't feel like doing anything, cannot face cooking a meal, cannot face doing any exercise, don't even want to contemplate tidying up or doing what I'd call "general maintenance tasks" such as actually ironing a shirt for work. I take the idea of "if it's going to save me money, I'll give it a go even if I'm totally clueless... google is always a good place to start". Plus, I couldn't bear sitting at home and doing nothing but watching TV, gah, I'd get bored within 2 seconds flat... I always have to be on the go.

    Quote Originally Posted by jamesb View Post
    I can second this - until recently I've been living alone. I've now got someone living with me which means that not only do I have more time (housework, cooking and such is now taken care of for me)
    Sounds like you've got a good wife (?) there!

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    i always beats me why peole moan about money being tight then spend 100s on holidays that would be one of the first things gave up an havnt been on holiday for years anyway as organising it is more hassle i can live wthout. just book time off and if weathers good and i feel likeit just go wherever takes my fancy

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    Quote Originally Posted by sted View Post
    i always beats me why peole moan about money being tight then
    Subscribe to a really expensive Sky package, buy a new TV because their "old 26 inch one wasn't big enough", buy an iPhone for themselves and significant other, get a new car because "the old one was 3 years old", etc.

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    Quote Originally Posted by 36Degrees View Post
    Subscribe to a really expensive Sky package, buy a new TV because their "old 26 inch one wasn't big enough", buy an iPhone for themselves and significant other, get a new car because "the old one was 3 years old", etc.
    well yes with sky pay a subscription and have loads of ads why shoul i pay twice for somethng? Car erm yes well im trying to keep this one but ive never managed to keep one over 3 years yet but that is the one thing i do tend to waste cash on

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    This is why it rubs me the wrong way when teachers (especially new, young teachers) bitch about pay.

    They earn buckets more than i do and yet i manage to live a perfectly happy life.

    I agree about holidays, new tvs and car, etc...
    So much rubbish we just don't need.

    I'm miffed when people suggest i leave to work in industry so i can earn loads more money, i always just reply 'i don't want loads more money at the expense of my happiness, thanks'

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