I'm With Stupid
Well-Known Member
- Joined
- 6 May 2013
- Messages
- 20,362
This is it. It's possible to survive on 6k a year......for a bit. Until something goes wrong and you need to find an extra grand to fix it.
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State Pension Increases
- Thread starter mosssideblue
- Start date
mosssideblue
Well-Known Member
Survive being the key there. No pensioner should expect to just "survive"This is it. It's possible to survive on 6k a year......for a bit. Until something goes wrong and you need to find an extra grand to fix it.
As you say, new boiler or white good needing replacing and your'e in trouble
I know you’re a similar generation to me Paul and did your stint in the Armed Forces. What some of later generations don’t know is if we couldn’t afford anything it just wasn’t an option.
I spent my first few years in a house with no bathroom, despite my parents both working we had little money. We took holidays to Cornwall (on a bus) and Blackpool, never ever went abroad and I was about 19 the first time I dined in a restaurant.
Today is the funeral of my last remaining Uncle, he was 97, our generation are not heroes but deserve a life on a pension of more than 6k pa, on that revenue you would live a better life in Prison!
I can't be bothered arguing with the fuckers they make my blood boil and I could go on a rant and argue as to why they're wrong for the remainder of my life, but what's the point.
Tesco £12 meal deal. Two ranch steaks, veg and dessert and a bottle of red. Does for two days, plus cereal for breakfast. Leaves £60 a week. Cineworld pass £5/week. Season ticket £10. Yeah, I could live on that...
Now council tax and a car...
I've fucking told you. Get in the box with Jack(o) I don't want to hear any of your fucking nonsense!
Grassland Blue
Well-Known Member
I am in my 60's and in reasonable shape (so long as I keep taking my tablets lol).Honestly mate, I’ve been saving into a private pension for over a decade (I’m in my early 30s). Thought I was being the sensible one who would be laughing in my 60s. Now seriously thinking I could have just gone on holiday twice a year instead.
Regarding pensions.
It's a minefield. One point I will make is that if your private pension is over a certain amount then your state pension will start to reduce once you reach that level. Also you will be taxed on the combined income.
If you want to travel and get the most benefit from it, travel while you are still in your prime as when you reach your 60's, (IF you do) your desire to do so may have diminished. Also your or your partners' health may restrict your ability to travel.
You may have obligations which get in the way of things.
Finally, don't forget that in 25/30 years time the cost of transportation accommodation and commodities will have risen.
Life is a gamble so don't sacrifice too much of your present for a future which may never arrive.
Bon chance!
I think Vic was agreeing with you!I've fucking told you. Get in the box with Jack(o) I don't want to hear any of your fucking nonsense!
Fair enough...Put the breakdown up and show us all how you can live on £6000 a year. Note that simply existing isn't living. Go on...
Council Tax - £1, 050
Electric - £800 (no gas)
Water - £450
Internet/Phone - £180
Car - £20 VED, £90 Insurance, Service and MOT £130. petrol £10 per month
Weekly shop - £50
Without adding it up precisely I think that comes to around £5,400 by my estimate, leaving me £600 per year for unexpected bills or frivolous purchases.
I spend my time walking, cycling (got a decent enough mountain bike and an ebike) bit of kite surfing, gardening, walking my mates dog. In the winter can quite happily spend all day reading or internetting in really shit weather.
I'm sorry if you only regard that as "existing" and you consider that I don't "have a life" because I have no interest in spending a fortnight sat in a bar in Ibiza or sat by the pool in some all inclusive hotel, or spend every opportunity traipsing around the Trafford Centre buying pointless shit I don't need, or showing off my PCP'd white Audi on my driveway.
Please do tell me what I'm doing wrong in my life or where my expenditure is inaccurate?
Very true and great advice. When I was around early 30’s I asked my Dad if I could borrow his black tie for a funeral of a work colleague. He jokingly said “Mark, buy one, you’ll need it”. He wasn’t wrong, every year, it’s exponential, today is my third funeral of the year, I’m expecting a couple more nit being too morbid, the last one I’ll be there for will be the best because I won’t feel the pain anymore, live every day, love every day and appreciate life because it’s a precious gift.I am in my 60's and in reasonable shape (so long as I keep taking my tablets lol).
Regarding pensions.
It's a minefield. One point I will make is that if your private pension is over a certain amount then your state pension will start to reduce once you reach that level. Also you will be taxed on the combined income.
If you want to travel and get the most benefit from it, travel while you are still in your prime as when you reach your 60's, (IF you do) your desire to do so may have diminished. Also your or your partners' health may restrict your ability to travel.
You may have obligations which get in the way of things.
Finally, don't forget that in 25/30 years time the cost of transportation accommodation and commodities will have risen.
Life is a gamble so don't sacrifice too much of your present for a future which may never arrive.
Bon chance!
Thank you @normskih. I also hope @Scottyboi was joking but whether he was or wasn't I am now (& I am not joking) crying because I never ever felt that a fellow Blue or actually a fellow human being would wish an old age pensioner dead. I am struggling health wise, I have just had to spend what little savings I had on house renovations to be able to stay in my own home. My family want to help me but I didn't bring them up to help me, I am supposed to help them. (I've been through all the discussions and cried for hours so don't go there please.)
I will say no more. There is a thread on mental health and people say that men won't speak out for help. It isn't only men. :-( :-)
My heart goes out to you Sheila. I think he was joking ( I sincerely hope so)
I won't have any of this nonsense pensioners are somehow living a life of luxury when the majority are not. Do these people not have parents or grandparents? Anybody who's got savings and/or or a private pension worked bloody hard for at least fifty years ( Usually) to have it. They earned it, as they did the state pension. Let's all get to Tesco though where we can get a £12 meal deal that will last you two days you know and give you one meal a day and for the rest of the day you can make do with a bowl of cereal. Some people need to take a long hard look at themselves.
Be well, we are here for you.
I stopped reading at Council Tax 1050, mines 2k!!Fair enough...
Council Tax - £1, 050
Electric - £800 (no gas)
Water - £450
Internet/Phone - £180
Car - £20 VED, £90 Insurance, Service and MOT £130. petrol £10 per month
Weekly shop - £50
Without adding it up precisely I think that comes to around £5,400 by my estimate, leaving me £600 per year for unexpected bills or frivolous purchases.
I spend my time walking, cycling (got a decent enough mountain bike and an ebike) bit of kite surfing, gardening, walking my mates dog. In the winter can quite happily spend all day reading or internetting in really shit weather.
I'm sorry if you only regard that as "existing" and you consider that I don't "have a life" because I have no interest in spending a fortnight sat in a bar in Ibiza or sat by the pool in some all inclusive hotel, or spend every opportunity traipsing around the Trafford Centre buying pointless shit I don't need, or showing off my PCP'd white Audi on my driveway.
Please do tell me what I'm doing wrong in my life or where my expenditure is inaccurate?