Tag Archives: Are We Poor

Part 4 Of How Can Anyone In The UK Possibly Be Poor? – How Very Dare You Have Children!

These posts have stemmed from a debate that was started accidentally elsewhere, and although it had started getting a bit personal there, it has raised some interesting questions, and some further areas I would like to explore, and I feel the subject deserves an airing here. I will make it fairly easy to respond to any section that you wish to by numbering various points that were made,do feel free to add your views but do try to keep them general and free from swearing please!

Most of these unless otherwise stated are my own personal views and I will NOT take it personally if you disagree, in fact that would make for a healthy all-round discussion. I would like to add here that I was one of the privileged high-earners and big spenders myself untill the UK’s industry took a huge nose-dive, so I do know what it’s like from both sides of the fence!

I will happily approve all comments that follow the above remit, whether you agree or disagree with any comments made here! 🙂

And any tips you may have, even if you are NOT from the UK, may well help somebody somewhere so do feel free to join in, wherever you are based!

Part 1 was   Eating Well Or Starving To Pay Bills

Part 2 was  It’s All Your Own Fault!

Part 3 was  Get Off Your Backsides And Get A Job!

DO NOT HAVE CHILDREN UNTIL YOU ARE FINANCIALLY READY TO!

1. My favourite comment, which keeps coming up time and time again, in all forms of media, has to be to one whereby you are not supposed to even think of having children unless you are in a very stable financial position, and have the house, job, car etc, all neatly in  place before you start a family. Ok, we all read those headline stories of people on benefits supposedly deliberately having more and more children in order to get bigger council houses and/or more benefits money given to them, but really………these are in a definate minority. Most of us struggle on a daily basis to balance areas of our lives, and I think I speak for most single parents like myself here, we did not CHOOSE to be either pregnant or alone in many cases. It’s as much my fault that I did not have a crystal ball when choosing my ex-partner ( BabyMib’s Dad) as it is the UK government’s fault that it chose to bail out those already wealthy bankers to all our detriments!

2. “Wait untill the right time” gets advised again and again, so when IS the right time?

Given that so many jobs these days simply aren’t the “jobs for life” that they once were, and the housing market is spiralling way past the average working person’s ability to contemplate, a lot of couples could simply wait forever and still not attain the “required” positions in life to have a family. I personally do not believe that having children needs to cost a huge amount of money,and waiting too long will cause huge complications healthwise and also massive NHS bills for IVF treatments etc. So long as there is a roof over your heads and food on the table, the main ingredient required is LOVE, and seeing one parent go out to work regularly, even for a part-time job, creates a great work ethic. My personal plan now is to move to a better location, get some kind of part-time job AND start a small business from home that my son can also get involved with. The “right time” surely is when you feel ready in your soul, NOT when you might or might not have all the trappings in place. If that was the case, then only the politicians and rich celebrities would be able to raise families!

3.  For all those who watch the news or read the papers and tut profusely whenever a  single parent or family is being slated for having some million pound “mansion” on benefits, do please remember these are minorities,  it has been a long long time since single young mums were preferenced for council accomodation and help, nowadays deciding NOT to kill your unborn child is proving to be a brave decision for a lot of people, it’s hard work, for the majority of familes far from a “lifestyle” choice, and with the actual fertility rates dropping in the Western world, quite possibly should be applauded not berated. What we do need to see are far more flexible jobs, where people can work part-time, job-share and the like, and of course for the fat cats at the top to help us “all be in this together” by not making quite so much of a profit out of our misery!

 

To be continued……………

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Part 3 Of How Can Anyone In The UK Possibly Be Poor? – Get A Job!

These posts have stemmed from a debate that was started accidentally elsewhere, and although it had started getting a bit personal there, it has raised some interesting questions, and some further areas I would like to explore, and I feel the subject deserves an airing here. I will make it fairly easy to respond to any section that you wish to by numbering various points that were made,do feel free to add your views but do try to keep them general and free from swearing please!

Most of these unless otherwise stated are my own personal views and I will NOT take it personally if you disagree, in fact that would make for a healthy all-round discussion. I would like to add here that I was one of the privileged high-earners and big spenders myself untill the UK’s industry took a huge nose-dive, so I do know what it’s like from both sides of the fence!

I will happily approve all comments that follow the above remit, whether you agree or disagree with any comments made here! 🙂

And any tips you may have, even if you are NOT from the UK, may well help somebody somewhere so do feel free to join in, wherever you are based!

Part 1 was     To Eat Or Not To Eat 

Part 2 was      It’s All Your Own Fault 

Part 3 was      Get Off Your Backsides And Get A Job

Part 4 is      Do Not Have Children Until You Are Financially Ready To!

GET OFF YOUR BACKSIDES AND GET A JOB!

1. Another assertion made today in the park of all places when I was casually chatting to a small group of older folks was that there are always jobs out there to be had, so long as you weren’t fussy about hard work, the general consensus amongst the retired seems to be that the youth of today simply don’t want to work. That wouldn’t be because for years the older generation extolled the virtues of studying hard at school, then going to university, getting horribly into debt and you would be guaranteed a well-paid job would it?

2. Also mentioned was the “fact” that anyone can find a job if you try hard enough……I personally know several people who do nothing but job-hunt continuously, only to be told they are too old, too overqualified, too young, not enough experience, you name it they’ve been told it. I myself have been hunting hard for ANYTHING and I do mean anything, this month alone in between the usual batch of bogus “sales rep” jobs that require you to pay to work, ( yes, these are actually allowed to be advertised in Jobcentres!) there were four potential new jobs shown, all of which I applied for, none of which were either full-time nor permanent, and not one offered enough to cover the rent for a room let alone normal basic living costs for a family!

Oh, and the responses I got from these would-be employers, AFTER I followed the applications I had made, ranged from ” we are looking for someone to live-in and our shared rooms are not child-friendly, sorry”, to “we don’t consider someone of your age-group to be suitable to work in a nightclub” ( and yes, they actually said this on the telephone!)

3. There are, to put it simply, far more adults of working age around these days compared to say, 30 years ago, and when you have a worldwide climate of recession, with the ensuing large number of companies going under, the amount of work available is going to diminish under the tidal wave of people needing employment. Yes, there are a few, especially in the UK, who deem some jobs to be simply beneath them, but despite the continuous and biased news reports about people claiming benefits, overall most people simply want to be able to go out and earn an honest living and be able to pay their way. And the few companies that are in a position to hire are spoilt for choice when it comes to applicants and are fully able and willing to be as choosy as they like!

4. I personally feel that a lot of the Red Tape that has been put into place in recent times needs to be lifted, allow people to job-share if that suits them, don’t tax low-income families, and actually make that no-tax ceiling realistically in line with the basic cost of living. Companies might then be able to afford to hire more people than they currently can, more people would be able to do something to get themselves headed in the right direction and overall, if people have a little more to spend, spend they will therefore keeping production lines going along nicely, ad infinitum!

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Part 2 Of How Can Anyone In The UK Possibly Be Poor? – It’s Your Own Fault Entirely!

These posts have stemmed from a debate that was started accidentally elsewhere, and although it had started getting a bit personal there, it has raised some interesting questions, and some further areas I would like to explore, and I feel the subject deserves an airing here. I will make it fairly easy to respond to any section that you wish to by numbering various points that were made,do feel free to add your views but do try to keep them general and free from swearing please!

Most of these unless otherwise stated are my own personal views and I will NOT take it personally if you disagree, in fact that would make for a healthy all-round discussion. I would like to add here that I was one of the privileged high-earners and big spenders myself untill the UK’s industry took a huge nose-dive, so I do know what it’s like from both sides of the fence!

I will happily approve all comments that follow the above remit, whether you agree or disagree with any comments made here! 🙂

And any tips you may have, even if you are NOT from the UK, may well help somebody somewhere so do feel free to join in, wherever you are based! 

Part 1 was     To Eat Or Not To Eat 

Part 3 is      Get Off Your Backsides And Get A Job

Part 4 is      Do Not Have Children Until You Are Financially Ready To! 

 

IT’S ALL YOUR OWN FAULT

1. The assertion seemed to be that if you are poor, then somehow you had brought that upon yourself, and one thought was that it was easy to have avoided that by taking out insurances against this kind of thing happening…well, have any of you actually read the very tiny print on these things?

I had a prime example of one a few years ago that stated IN VERY TINY PRINT right near the end of lots of meaningless tiny print, that in order to claim when required, I had to have been in continuous employment with the same employer for no less than 40 hours per working week, for no less than 50 weeks per year for a period of at least 4 years in order to claim!

Surely most people’s holiday entitlements would negate that, let alone the simple fact that most jobs these days are contracted for shorter terms and are transient.

I like too many others didn’t catch on to that untill the day came that I needed help!

2.  Yet another of the “it’s your own fault” brigade stated that those who reckoned they were too poor to eat simply aren’t budgeting correctly. Now, I would love for someone to explain to me how, whether a household is working or not, it is possible to “budget correctly” when the basic but necessary bills are rising all the time at over-inflation rates, food prices have pretty much doubled, both private and public transport costs have done and are set to rise more soon, and several greedy banks and landlords have orchestrated higher costs in mortgages and rents between them. Given that keeping a roof over your head is the most important requirement, closely followed by paying the inherent costs that are associated with having a home, in my opinion the only area you can really control and cut back on is the food costs. Especially since a lot of people are suffering job losses, no wage rises and in some cases, even pay cuts.

3. And what about those who DID do everything “right”?

The whole, studied hard, got good well-paying jobs, paid into good pensions with fantastic forecasts, stuck through it all and then got made redundant once over the age of 50 something………with pension pots that either miraculously disappeared overnight or got stolen outright. Was that their own fault?

 Did they somehow bring that upon themselves?

It’s no wonder really that so many people, worldwide and not just in the UK, are rightly angry at how life has turned out for them, especially when we all read daily how the “powers-that-be” are telling us what WE have all been doing wrong whilst THEY continue to live in relative luxury at our expense!

4.  When I was at school, I did everything considered to be right at the time, I studied hard, got good grades, chose what I thought was a steady career and trained well in that. ( despite being told by the teachers that hairdressing or secretarial work was deemed more “appropriate” for a girl, I went into engineering, which at the time the UK was renowned for!) Every job I have had, I have put my heart and soul into, my mum’s old saying was if you are going to do any job, do it well has never left me. I have undertaken some horrendously nasty jobs to keep my head above water, yet always done them well and to the point of exhaustion on my part!

Four career changes and almost 30 years later, I am pretty much penniless, don’t own my own home and somewhat disillusioned with the various money-grabbing and selfish employers I have suffered working for in the past. Is that then somehow my own fault? Maybe it is, maybe I should have been more “me” orientated, and selfish and maybe just a little dishonest in life….but then that wouldn’t have been the real me. For now I am content with the knowledge of what I want to be doing and how I am going to achieve that aim.

 

More on my story thus far    HERE   if anyone is interested

 

To be continued……………

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Part 1 Of How Can Anyone In The UK Possibly Be Poor? – Eating Well Or Starving To Pay Bills?

These posts have stemmed from a debate that was started accidentally elsewhere, and although it had started getting a bit personal there, it has raised some interesting questions, and some further areas I would like to explore, and I feel the subject deserves an airing here. I will make it fairly easy to respond to any section that you wish to by numbering various points that were made,do feel free to add your views but do try to keep them general and free from swearing please!

Most of these unless otherwise stated are my own personal views and I will NOT take it personally if you disagree, in fact that would make for a healthy all-round discussion. I would like to add here that I was one of the privileged high-earners and big spenders myself untill the UK’s industry took a huge nose-dive, so I do know what it’s like from both sides of the fence!

I will happily approve all comments that follow the above remit, whether you agree or disagree with any comments made here! 🙂

And any tips you may have, even if you are NOT from the UK, may well help somebody somewhere so do feel free to join in, wherever you are based!

Part 2 is      It’s All Your Own Fault 

Part 3 is      Get Off Your Backsides And Get A Job

Part 4 is      Do Not Have Children Until You Are Financially Ready To!

 

TO EAT OR NOT TO EAT

1 – The debate starts with the general cost of food and living, what do you consider to be poor, not being able to afford to eat out/order a takeaway?

Or simply not being able to put food on the table?

There were those who thought that simply not being able to enjoy a meal out now and then anymore placed them in the realms of hardship, and others who really and truly don’t have enough money left after paying out for mortgage/rent, bills etc to be able to eat well every day.

Some came up with suggestions that poorer people must inherently have more time on their hands to shop better, trawl around looking for mark-downs and bargains, and surely in a better position than most to make use of these.

That’s great if you do indeed have time spare in a low-waged hectic life, AND happen to live in an area where large supermarkets and other likely mark-down establishments are plentiful and local, or even where public transport is cheaply and readily available. This idea doesn’t work for those not living in or near a large city, nor for those with small or school-aged children as reductions do tend to be made past most kiddies bedtime, and having dragged my little man off to the shops late at night on what is where I live quite expensive public transport only to find there were no mark-downs that evening so money thrown away, that idea is sadly not really an option for me. I myself used to live in London, Birmingham and Sheffield, and yes great bargains can be found in large built-up areas, but alas not in the “sticks”.

 

2. Another  suggestion was that the poor should help themselves by baking cakes and selling/swapping them in local shops for vegetables etc to help themselves out. I have priced up what it would cost me to make, say, 10 apple pies, which on my budget equated to 2/3rd’s of my total weekly income left after rent and bills, and then today I made an effort to walk to the few local shops we have left here to see if they would be interested in swaps, and if so what for?

Their response?

Unsurprisingly, most said they wouldn’t be able to consider this as it would contravene some rules on food safety and traceability, not that they doubted my cooking prowess, but if a food poisoning outbreak should occur, then they wouldn’t want to be taking that risk, also that aside, I would have gotten in return goods far less in value than my original outlay!

So, great suggestion if you live in an old-fashioned local village, not so great for the majority who live in urban hellholes.

3.  Another suggestion was that the poor should grow their own, again not a very well thought out idea. Great if you happen to have a garden you can do this in, but if you are in a high-rise flat not so easy. I myself don’t have access to the garden, although it is supposed to be a shared one, (don’t ask), yet this year set up a lot of things growing in pots, all given to me through Freecycle ( well worth checking out in your local area) or bought very cheaply here and there, but even so, my total outlay on seeds, pots and soil this year represents well over a month’s income for me BEFORE rent, and thanks to a combination of the weather, some hungry wildlife eating most of my plants, and an unsympathetic landlord ( the pots were considered to be unsightly!) my rewards foodwise are NOT going to be worthwhile financially, although the pleasure my son has gotten out of the exercise and the seeds I have cross-germinated will be fantastic for my small-holding plans next year.

 

To be continued……………

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