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Comrade Fakename posted:Anyone recommend a Mastodon server? jorts.horse
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Nov 19, 2022 14:36
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smellmycheese posted:Quiz time. What are the answers? farts and poop
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Nov 19, 2022 14:42
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smellmycheese posted:Quiz time. What are the answers? grey/damp/boot-polish.
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Nov 19, 2022 15:01
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learnincurve posted:I’m just sat here like where’s the catch on this benefits rise? Are they going to raise income support and carers by 10% because I didn’t get an extra £20 under lockdown as legacy benefits didn’t qualify. learnincurve posted:The biggest problem this thread has is admitting that it's ok to be middle class and that there is nothing wrong with it. It is a tory lie that middle class = tory, and it has always been this thread's field of rakes. You can be raised working class, and with the average age of this thread, be traumatised by being a child through the miner strikes, but earning more than your parents and moving up in the world via computor touching shouldn't be something to be ashamed of, it is what it is. KM S' post reminded me of a tweet maybe a year or so ago, where someone was complaining that earning $300k wasn't that much money and they barely had enough disposable cash after their 'necessities.' Everyone dunked on them as well and told them to read the room. It's hard to guess what expenses CM S has without knowing their job, but there are a lot of jobs at the high end where you need to socialise to network and get the right opportunities and impress your colleagues with nights out, travel, expensive suits / grooming* for work. Like those fuckers can tell if you're not spending your cash, and at best you won't get the promotions and leads you need, and at worst they'll drive you out. * meaning may vary depending on if you're in sales or entertainment The sad thing was that a bunch of neolibs popped up in the replies and started gibbering about how poor people are SUPPOSED to live in small houses and have poo poo clothes and starve, because it incentivises them to get better jobs; whereas you see when you're on 300k you need that 2nd car, 5 bedroom house in a gated community, cleaner, live-in au pair, investments portfolio, pension contributions, 2 holidays a year, childcare etc. The point is KM S, if you look at your budget and think "gently caress, I need all these things to live a good life" then just imagine the pressure people on 50k are under. Imagine the pressure people on 20 or 30k are under. And then as LC said, imagine the pressure people on welfare are under. You shouldn't be looking at a semi detatched in the south as all you can afford, you should consider it a blessing. It does come across as complaining about something most people in this thread would kill for. Bobby Deluxe fucked around with this message at 15:05 on Nov 19, 2022 |
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Nov 19, 2022 15:02
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I started this year on 19k, got a new union job and I'm now on 24.5k and holy poo poo that difference alone feels like I'm suddenly living like a queen. I can't even imagine what life on 100k would look like, it's crazy money to me
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Nov 19, 2022 15:06
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https://www.youtube.com/watch?v=UDIHrX-Jp2E with the caveat that even the northern underclasses look at how much our houses cost vs how much london rents are for the middle classes and go "holy poo poo"
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Nov 19, 2022 15:06
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Bobby Deluxe posted:The catch is they're hiring extra benefits cops to chase people out of the system and into work. Even if you're already working or can't work. I agree with most of this but *everyone* needs a pension if it's in anyway possible to contribute to one.
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Nov 19, 2022 15:12
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Rarity posted:I started this year on 19k, got a new union job and I'm now on 24.5k and holy poo poo that difference alone feels like I'm suddenly living like a queen. I can't even imagine what life on 100k would look like, it's crazy money to me Hey, I went from and to the exact same pay! Getting my first new pay cheque at the end of this month and it represents so much extra after tax, it's incredible.
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Nov 19, 2022 15:15
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keep punching joe posted:jorts.horse 
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Nov 19, 2022 15:18
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Trying to imagine why anyone would want a one-legged jean. I can imagine certain mobility difficulties or disabilities where having individual legs each to put on separately would be useful but still wear two jeans-clad legs, but not just one leg only in a jean. I guess I must be old, but WHY?  Then it just occurred to me there was a time when I wore a deliberately-ripped t-shirt held together with safety pins. I guess the oldies then were saying WHY? Jaeluni Asjil fucked around with this message at 15:28 on Nov 19, 2022 |
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Nov 19, 2022 15:24
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I am on a very average salary but I feel like I live like a king because I don't have kids.
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Nov 19, 2022 15:25
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The difference between being on minimum wage for decades, and then to a 25-30k salary band is simply night and day. The stress of not needing to deal with being continually overdrawn, or eating just rice and peas for two weeks in the month so you know that you can make rent is just lifted from you like a huge weight. It's done great things for my sanity. Just imagine what society would be like if no one had to constantly grind and struggle to meet basic needs? And by that I basically mean earn enough to not be in the red by next payday.
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Nov 19, 2022 15:31
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Lungboy posted:I agree with most of this but *everyone* needs a pension if it's in anyway possible to contribute to one. Childcare is also sort of non-optional if you in fact have a child and aren't the sort of wealthy where you don't need to work at all.
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Nov 19, 2022 15:33
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keep punching joe posted:
Some sort of basic income available universally, maybe?
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Nov 19, 2022 15:35
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Right now, £30k to me would feel like riches beyond the dreams of avarice as my take home income would be approx £1k per month more than it is now. I guess everything is relative! I think OP showed reflection on their position tho' maybe not mentioning the hot tub would have been a good idea. The 'left' is caught in this place where you can't do anything right - if you're a wealthy lefty you're a 'champagne socialist', 'a hypocrite', 'an Islington Dinner Party Circuit chatterer'. (Does anyone still do dinner parties?) If you're in poverty then you are 'politics of envy', 'scrounger' 'lazy' 'spender of other peoples' money' etc. Was it not Senator Gracchus who said: "I don't pretend to be a man of the people. But I do try to be a man for the people." (Yes I know he's not real).
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Nov 19, 2022 15:41
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feedmegin posted:Childcare is also sort of non-optional if you in fact have a child and aren't the sort of wealthy where you don't need to work at all. Children are optional. Like smoking.
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Nov 19, 2022 15:48
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To me the point of socialism is not "people can't have nice things," the point is "if only 1% of people are able to have nice things and the system that enables that requires the immiseration of the other 99% then maybe that's bad?" Like I have a nice little house, and I think everyone should have a nice little house like this, and enough to heat it and feed themselves to a basic standard of nutrition. If people want a bigger house or fancier food, then they can work for it. But we need to recalibrate society around (A) everyone gets the basics and (B) admitting that society exists in the first place.
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Nov 19, 2022 15:49
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Jaeluni Asjil posted:Trying to imagine why anyone would want a one-legged jean. Dabir posted:Children are optional. Like smoking.
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Nov 19, 2022 15:51
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My view has always been that when I'm doing well it's a moral obligation to help those who aren't doing well.
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Nov 19, 2022 15:56
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My hardest rule is never vote Tory.
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Nov 19, 2022 15:57
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I'm on 55k or so and I can't afford a car, mortgage deposit, holidays abroad or to give a child the same quality of life as parents gave me - largely due to living in one the highest CoL parts of the UK as a single guy - and before anyone says it, I did live in a shared house but I was told point blank to move or get sacked from my partially WFH job, since the noise from the other tenants was disrupting the work environment. I do live a comfortable life in the sense that I can afford food and heat and bedsit rent and necessities as long as I don't get sacked, but that isn't really all that great. Private Speech fucked around with this message at 16:18 on Nov 19, 2022 |
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Nov 19, 2022 16:10
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Those inflatable hot tubs are supposedly pretty decent these days and much more affordable than a built-in one. Using similar technology, inflatable kayaks have come along in leaps and bounds. Little money saving tip for those of you deciding between a boat and a hot tub - thanks to improvements in plastics and textiles manufacturing you can both stay dry on the water and get wet on land for less than ever.
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Nov 19, 2022 16:11
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Hot tubs are minging and Essexy.
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Nov 19, 2022 16:23
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Private Speech posted:I'm on 55k or so and I can't afford a car, mortgage deposit, holidays abroad or to give a child the same quality of life as parents gave me - largely due to living in one the highest CoL parts of the UK as a single guy - and before anyone says it, I did live in a shared house but I was told point blank to move or get sacked from my partially WFH job, since the noise from the other tenants was disrupting the work environment. I would be looking for a fully WFH job if you have the skillset to net you 55k a year even moving out of the centre of london and staying in a hotel/youth hostel on your office days would be a huge QOL improvement tbh.
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Nov 19, 2022 16:25
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If you prefer, inflatable saunas also exist.
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Nov 19, 2022 16:27
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And inflatable friends! https://www.youtube.com/watch?v=wVmIOWR_wCk
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Nov 19, 2022 16:30
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I literally can't imagine earning £50k a year and not feeling secure. I've never taken home more than £20k in a year, and I'm good. Just move to South Wales and have no kids or social life.
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Nov 19, 2022 16:35
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Rarity posted:I started this year on 19k, got a new union job and I'm now on 24.5k and holy poo poo that difference alone feels like I'm suddenly living like a queen. I can't even imagine what life on 100k would look like, it's crazy money to me keep punching joe posted:The difference between being on minimum wage for decades, and then to a 25-30k salary band is simply night and day. The stress of not needing to deal with being continually overdrawn, or eating just rice and peas for two weeks in the month so you know that you can make rent is just lifted from you like a huge weight. It's done great things for my sanity. This is why I have difficulty. I managed to pick up a lot more hours at work and breaking the personal allowance for the first time has been an incredibly good thing for me. Like yes I am stressed about work and knackered but I can afford to save a little bit of money, I feel vastly more secure that I am not going to be homeless if I have too many quiet weeks. The idea that someone could be on six figures and not "feel secure" because they can only afford a modest mortgage and are unhappy that they might have to pay more into their pension to mitigate taxes is just... baffling. Both of those are security. OwlFancier fucked around with this message at 16:40 on Nov 19, 2022 |
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Nov 19, 2022 16:37
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sassassin posted:I literally can't imagine earning £50k a year and not feeling secure. I've never taken home more than £20k in a year, and I'm good. London pricing. I'm earning £40k in the London commuter belt and cost of living quickly sucks up the take-home. I am able to start saving but it's not the racking it up I had thought it would be back when I was on £22k London delenda est
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Nov 19, 2022 16:50
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It is as if there is a system in play to make all workers feel insecure no matter how henry they are.
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Nov 19, 2022 16:51
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sassassin posted:I literally can't imagine earning £50k a year and not feeling secure. I've never taken home more than £20k in a year, and I'm good. It's definitely the point where you start to worry a lot less about picking the odd thing up from a shop. Like, oh I need a new pair of jeans, I'll just pop em in the trolly. Like until I had my son I genuinely felt set for life. But now the costs for looking after him and giving him a childhood I never got are kicking in and I can start to see where a lot of it goes (especially if I want him to feel like he can go to Uni in 18 years by saving up for him). That being said, I'm genuinely not even sure what you'd do at £60k+ I just assumed that was the tipping point you get a BMW instead of a Fiesta and start bunging your money into stocks and shares and tax avoidance schemes to exponentially increase your wealth. Edit: I should point out though that I'm boring, lazy and thrifty. I'm still mainly wearing a batch of Threadless t-shirts I bought about 10 years ago and anything newer I'm wearing has just come from Tesco or Amazon as and when I need it. We don't travel or eat out and my hobby is basically just gaming while my wife's is reading books. That might be a factor in why I feel comfy, because until our son came along we both kinda lived like we were on a lower income. Kin fucked around with this message at 17:27 on Nov 19, 2022 |
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Nov 19, 2022 17:18
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Rarity posted:I started this year on 19k, got a new union job and I'm now on 24.5k and holy poo poo that difference alone feels like I'm suddenly living like a queen. I can't even imagine what life on 100k would look like, it's crazy money to me When i took voluntary redundancy in Oct 2020 i was living on around 21k a year, for a single person in northern ireland with no ties or mortgage i felt pretty good on that wage tbh.  I'm a bit odd in that i decided i no longer wanted to work again and decided to live off my savings (140k) instead for the next 14 years until i got my pension. I would love to have more money but i've got what i've got so i'm gonna roll with it. It's a weird life for me now but oh god the absence of constant stress has left me in tears a few times (in a good way). 
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Nov 19, 2022 18:08
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Quickly interjecting as benefits have come up, one bit of advice that I don't see often is go to your MP, frame it however you want 'I don't think I'm getting the right amount' but make sure the MP knows that they need to query your case with the DWP rather than refering you onto Citizens Advice. An email from an MPs office will absolutely flag it on the DWPs system and they'll be actively reaching out to you, putting everything they've done in a letter to the MP saying you're eligible for X, Y and Z and they've done this and that.
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Nov 19, 2022 18:10
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Just Another Lurker posted:When i took voluntary redundancy in Oct 2020 i was living on around 21k a year, for a single person in northern ireland with no ties or mortgage i felt pretty good on that wage tbh. That's exactly what I would do if I had enough savings to keep me going. If I wasn't working I could cut back on a lot of expenditures too.
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Nov 19, 2022 18:17
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Kin posted:Like until I had my son I genuinely felt set for life. But now the costs for looking after him and giving him a childhood I never got are kicking in and I can start to see where a lot of it goes (especially if I want him to feel like he can go to Uni in 18 years by saving up for him). sassassin posted:I literally can't imagine earning £50k a year and not feeling secure. I've never taken home more than £20k in a year, and I'm good. So my gross income is in this range, and I'd describe my situation as comfortable but definitely not secure. Everything I earn above £50k goes into a pension, as between there and £60k over half of that income would be lost between tax & repaying child benefit. This year has been fairly eye-opening when a close family friend was diagnosed with stage 4 cancer totally out nowhere. When you see a family with a mortgage, two young kids, and both parents suddenly unable to work it shows just how vulnerable we all are. Thankfully she is responding well to the treatment, and things for them are returning to something semi-normal. Right now my first priority isn't anything like a brand new car or investing in stocks. It's instead to get the mortgage paid down for some security in case our family was ever to face a similar situation. This comfort only lasts as long as I'm still able to work for the benefit of capital, and no longer.
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Nov 19, 2022 18:57
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UnquietDream posted:Quickly interjecting as benefits have come up, one bit of advice that I don't see often is go to your MP, frame it however you want 'I don't think I'm getting the right amount' but make sure the MP knows that they need to query your case with the DWP rather than refering you onto Citizens Advice. Dennis Skinner god bless him got a reputation for doing this for everyone who asked him for help with the DWP in person, even if you were in NE Derbyshire or Chesterfield. It resulted in the worst kind of lazy gammons just stalking the poor fucker every time they didn't get "what ahm entitled to". It would get round where he was walking his dogs and what cafe he was going to, and there they would all be complaining at him because they had to pay £5 for a new gold card. Yes he was old when he retired but these people just ground him down, if they had just let him walk his dogs in peace he would have died on his feet in the house yelling at people aged 106.
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Nov 19, 2022 19:03
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Based Rimmer…
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Nov 19, 2022 19:20
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The max state pension is like £10k a year or something like that? I'd live on that no problem (when/if I make it that far and if it still exists by then). Paying extra into schemes doesn't make sense to me when I could have more money to use on beneficial stuff now, like paying down that mortgage or sticking solar panels everywhere. Even with the employer-matched contributions and tax breaks or whatever. My dad had a few different ones from different jobs that were a hassle to get anything from, and didn't really add up to anything substantial. Mum saw her pension age pushed back because she was a month too young. My youngest brother already has at least three workplace pensions one of which still sends the mail to my house, he can't keep track of it now let alone over the next 40 years. I've got no faith in it.
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Nov 19, 2022 19:24
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A lot of employers will match your pension contributions up to a point which I think is part of the appeal, though yes you are betting on living long enough to see it. E: completely read past that line where you mentioned that lol. I do share a lot of the skepticism honestly, material improvements now is a lot more appealing than possible future money maybe if a pile of shady companies feel like it. OwlFancier fucked around with this message at 19:28 on Nov 19, 2022 |
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Nov 19, 2022 19:26
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Rarity posted:I started this year on 19k, got a new union job and I'm now on 24.5k and holy poo poo that difference alone feels like I'm suddenly living like a queen. I can't even imagine what life on 100k would look like, it's crazy money to me It looks like I'll earn near 35K this year and that's more than I've ever earned and feels like it, plus I am working 50+ hours a week so I don't have time to spend it. Earning 100k would be so cool.
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Nov 19, 2022 19:32
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