Can you live on £53 a week?

Can you live on £53 a week?

90 posts
2 April 2013
DorsetHammer
Photographer
DorsetHammer
anthonyh


The maths must add up to someone as the govt has recently decreased the length of qualifying period for a full state pension to 30 yrs and increased the amount to be paid out once retired...presumably at the expense of someone like me who will retire a little before the new arrangement but having paid NICs since the 70s.


The maths haven't added up since 1951 that was when the basis of national insurance contributions had to be changed. You'll find people of a certain age going on about paying their stamp - even that originates from before 1951! The 'maths' of contributions = benefits don't add up today, they never have and never will, not enough people are in work earning enough at any one time - that's why pensions are deferred.

The welfare state is slowly fading, we cannot afford it. The current government inherited a record deficit which they have to reduce, the last Government through a sustained period of profligacy allowed benefits to reach record levels, it cannot continue.

Posted 6 April 2013
peterbuchanphoto
Photographer
peterbuchanphoto
pinkbuildingphotography
You can tell the phone/ broadband provider etc that you are cancelling and why.  Also demand that the electricity/ gas company put in a pre paid meter.  Cancel the DD at the bank and write to them and tell them that you will pay them in due course, one you have a job.  This will hurt your credit rating, but that is the least of your issues at this point.  Since the phone calls from collection agents will be un answered as the phone is cut off it is a long term problem.
Are you really that ignorant? If you did wht you suggest the contract isuers will sell your outstanding debt (the remainder of your contract period x monthly payments.. contracts now are u pto 24 months so that is potentially a lot of debt) to a collections agency who will come knocking to demand payment and will not "hurt" your credit they will destroy it for many years so that you cant even get utilities contracts anymore! Also despite claims to the contrary and even rules against it... pre-paid meters are FAR more expensive per unit. as they are on the least pleasant tarrif available. I had to get the damned things removed from the house I currently rent because heating for just a few of hours burned up the £5 I put on it! All they do is allow you to directly cap your spend by having your gas and electricity suddenly shut off leaving your freezer defrosting, anything in the fridge to go off, no hot water to wash/shower in and house unheated. The emergency credit just buys you more time but you wind up living out of that and never getting back into credit because you are that damned poor.
Posted 6 April 2013
Edited by peterbuchanphoto 6 April 2013
peterbuchanphoto

Are you really that ignorant?


No Mr Buchan I am merely pointing out how I have survived between jobs and how friends of mine survive today on Job Seekers Allowance.

peterbuchanphoto


If you did wht you suggest the contract isuers will sell your outstanding debt (the remainder of your contract period x monthly payments.. contracts now are u pto 24 months so that is potentially a lot of debt) to a collections agency who will come knocking to demand payment and will not "hurt" your credit they will destroy it for many years so that you cant even get utilities contracts anymore!


Well no shit sherlock.

The contract companies are going to try and take payment.  The Direct Debits are going to fail.  Your Bank is going to charge you costs.  The Banks won that particular court case.

The companies are then going to try again a number of times.  This will lead to more costs.  You will exceed your overdraft limit.  Thus the Bank will keep your Job Seekers Allowance.  Thus you do not have your £53 per week. 

Realism although uncomfortable is how people should act.

peterbuchanphoto


Also despite claims to the contrary and even rules against it... pre-paid meters are FAR more expensive per unit. as they are on the least pleasant tarrif available. I had to get the damned things removed from the house I currently rent because heating for just a few of hours burned up the £5 I put on it! All they do is allow you to directly cap your spend by having your gas and electricity suddenly shut off leaving your freezer defrosting, anything in the fridge to go off, no hot water to wash/shower in and house unheated. The emergency credit just buys you more time but you wind up living out of that and never getting back into credit because you are that damned poor.



I know that pre pay meters are far more expensive.  I have had one before.

I deal with people on Benefits every day in my job.  I hate to point out the bloody obvious.  You need to keep your heating as low as possible to prevent frozen pipes and hypothermia.  Put on all of your clothes at once.  You have no choice.  Your income is £53 per week.  Not more and possibly less.

You have to deal with your situation as it is, not as you want it to be.  If it was then you would not be on Benefit.

And if you are in the situation where you can't pay bills then it is better to deal with it now rather than pretend that building more debt on Credit Cards, pay day loans, cash loans from the Provi etc and or illegal loansharks.

I am also well aware that the person's credit rating will be damaged.  But if you do not have a job then this is the least of your problems.  It is something that you have to live with.

So am I being ignorant by saying it is all ok?  That these things can be paid for from £53 per week?  Or is it more ignorant to pretent that the shit has not hit the fan.

You can fix credit ratings etc.  If you do not have food then you starve now.  I hate to point out that if you are in this positon  then you need to prioritse. 

How would you solve this particular issue?

Posted 6 April 2013
anthonyh
Photographer
anthonyh
I would suggest from my daughter's experience that a CV has zero value if it doesn't include an email address and a phone number. Therefore to not have these facilities could lead the Job Centre to argue one isn't seriously looking for work...so not entitled to JSA and any related benefits.



Posted 7 April 2013
anthonyh
Photographer
anthonyh
DorsetHammer

The maths haven't added up since 1951 that was when the basis of national insurance contributions had to be changed. You'll find people of a certain age going on about paying their stamp - even that originates from before 1951! The 'maths' of contributions = benefits don't add up today, they never have and never will, not enough people are in work earning enough at any one time - that's why pensions are deferred.

The welfare state is slowly fading, we cannot afford it. The current government inherited a record deficit which they have to reduce, the last Government through a sustained period of profligacy allowed benefits to reach record levels, it cannot continue.



If the situation is so dire how has it happened that one of the richest nations on earth has one of the lowest state pension in the EU...and the govt is able to reduce the lengh of time people contribute to 30 yrs and raise the full entitlement they will receive at the same time?

I know the govt is pushing back the actual retirement age but the main function of that, it seems to me, it to trap more people in employment for longer making it harder for younger people to get on the employment ladder...or more likely, to enable companies to sack older workers on capability grounds...workers who will then be put on JSA and means tested benefits rather than state pensions.

Posted 7 April 2013
DorsetHammer
Photographer
DorsetHammer
One of the reasons retirement age is being pushed back is because people are living longer in the years since I was born (1960) life expectancy in the UK has grown by 10 years. 65% of the DWP budget goes to people over 65. It's known that by 2035 23% of the population will be over 65, in 1985 it was only 13% - by 2030 there will be 6 million people over the age of 80 - figures not even contemplated as recently as the mid 1980's. There is finally a long term plan being contemplated with regards to what we can afford financially, the social costs are another argument.

As an aside whilst I might not agree with their politics the Conservative budget that formed part of their 2010 election manifesto was the only one that made any financial sense, and I mean that from my day job as an accountant. Labour would simply carry on as all Labour governments do - borrow more and more of other people's money getting the country further and further into debt. You'll never hear a squeak from Labour about poverty on their watch, despite the fact that under successive Labour administrations (1997-2010) the rich got richer and the poor got poorer.

Posted 7 April 2013
anthonyh
Photographer
anthonyh
DorsetHammer

One of the reasons retirement age is being pushed back is because people are living longer in the years since I was born (1960) life expectancy in the UK has grown by 10 years. 65% of the DWP budget goes to people over 65. It's known that by 2035 23% of the population will be over 65, in 1985 it was only 13% - by 2030 there will be 6 million people over the age of 80 - figures not even contemplated as recently as the mid 1980's. There is finally a long term plan being contemplated with regards to what we can afford financially, the social costs are another argument. As an aside whilst I might not agree with their politics the Conservative budget that formed part of their 2010 election manifesto was the only one that made any financial sense, and I mean that from my day job as an accountant. Labour would simply carry on as all Labour governments do - borrow more and more of other people's money getting the country further and further into debt. You'll never hear a squeak from Labour about poverty on their watch, despite the fact that under successive Labour administrations (1997-2010) the rich got richer and the poor got poorer.


Then as an accountant I would suggest your brownie points fot the govt are misplaced........there is barely an economist of any prominence that has not found Osborn's economic policy to be incomprehensable.....a Nobel economist recently came close to calling him a fool on TV, with less than a schoolboys grasp of basic economics. Virtually every policy he has come up with falls apart when it is deconstructed......so much so that he can't even defend the analysis so switches to repeating his political mantra. Supported by his chum Cameron.

Much like Thatcher did before him..Tories love to look back on her govt as a 'golden age' for the UK economy.......the only reason it survived was ...the City.....N S Oli...and the massive selling off of publicly owned assets....a policy that ensured the means of production largely came to be owned by wealthy individuals and foreign companies....these same individuals and companies that are syphoning wealth out of the UK economy.

Hence the govt's focus on penioners, benefit claiments and so on...diversionary tactics to ensure the average voter isn't concentrating on the real problem......our broken political system.
Posted 7 April 2013
DorsetHammer
Photographer
DorsetHammer
With respect economists, especially Nobel winning economists have no obligation to anybody involved in the democratic process. Just as Frank Sinatra once described critics as the people who went in at the end of a battle and shot the wounded so economists can spout forth opinions with impunity, knowing they don't have any responsibility. A little basic research shows there are actually as many supporting Osborne as there are calling him a clown.

Posted 7 April 2013
Andy_B
Photographer
Andy_B
anthonyh

I would suggest from my daughter's experience that a CV has zero value if it doesn't include an email address and a phone number. Therefore to not have these facilities could lead the Job Centre to argue one isn't seriously looking for work...so not entitled to JSA and any related benefits.


It's easy to get a mobile phone for a fiver, and a pay as you go card for the same amount. No charge for incoming calls - job done.

You can access your hotmail/yahoo/gmail from the library - job done. 

Why would the taxpayer have to pay for your daughter to have a smartphone/iMac/broadband etc. when telephony and email are ubiqutous and very low cost?

The government should be providing a safety net, not luxuries.
Posted 7 April 2013
anthonyh
Photographer
anthonyh
Andy_B

It's easy to get a mobile phone for a fiver, and a pay as you go card for the same amount. No charge for incoming calls - job done.

You can access your hotmail/yahoo/gmail from the library - job done. 

Why would the taxpayer have to pay for your daughter to have a smartphone/iMac/broadband etc. when telephony and email are ubiqutous and very low cost?

The government should be providing a safety net, not luxuries.




My daughter has just bought the new Sony Experia Z so she likes her luxuries...which is why she is (a) giving me her old iPhone and (b) looking for a better paid job....hence the C.V. writing.

As for accessing email at the library...I'm not sure where you live...but the last time I was at mine and wanted to do a quick bit of surfing the first free slot was the following morning.
Posted 8 April 2013
anthonyh
Photographer
anthonyh
DorsetHammer

With respect economists, especially Nobel winning economists have no obligation to anybody involved in the democratic process. Just as Frank Sinatra once described critics as the people who went in at the end of a battle and shot the wounded so economists can spout forth opinions with impunity, knowing they don't have any responsibility. A little basic research shows there are actually as many supporting Osborne as there are calling him a clown.


Can you provide a few links then? To economists supporting Osborne...it would be interesting to see what they are saying after nearly three years of incompetence in the post.

Posted 8 April 2013
EdT
Photographer
EdT
anthonyh
If the situation is so dire how has it happened that one of the richest nations on earth has one of the lowest state pension in the EU...and the govt is able to reduce the lengh of time people contribute to 30 yrs and raise the full entitlement they will receive at the same time?
I've read this 5 times and I'm still not sure what you're saying. "If the situation is so dire how has it happened that one of the richest nations on earth has one of the lowest state pension in the EU", maybe it's because the situation is so dire that the state pension is so low. How can we be one of the richest nations on earth if the nation as a whole and most of it's inhabitants are deeply in debt? "and the govt is able to reduce the lengh of time people contribute to 30 yrs" I was under the impression that to qualify for the new increased pension is increasing from 30 years to 35 years, not decreasing. Or are you talking about another nation?
Posted 8 April 2013
mitch69
Photographer
mitch69
pinkbuildingphotography

Fuel is Gas and Electricity.  £10p week on gas and £10 per week electricity = £20 per week or £40 per fortnight.

So please tell me how there is a £19 per shortfall.

Water rates and TV licence are paid for from the £15.



Water rates and TV licence are paid for from the £15, or if this is not enough amend the food list to £25 and increase the consumable's budget. 

You can tell the phone/ broadband provider etc that you are cancelling and why.  Also demand that the electricity/ gas company put in a pre paid meter.  Cancel the DD at the bank and write to them and tell them that you will pay them in due course, one you have a job. 

This will hurt your credit rating, but that is the least of your issues at this point.  Since the phone calls from collection agents will be un answered as the phone is cut off it is a long term problem.

Phone, Car, Broadband etc are luxuaries that you do not actually need,  They are for people who can afford them. 

There are alternatives as I said, prepay mobile pay in £20 per fornight and only use for looking for work or emergencies.  Internet can be accessed via the Library.  Most Library's have access to computers for email and internet.

*****************Is bloody difficult but possible.
****************

IT ISNT POSSIBLE TRY LIVING IN THE REAL WORLD!    "phone,car broadband etc are luxuries for people who can afford them"  What about having them as you CAN afford them then the employment rug is pulled from underneath you they still NEED paying one way or another or you go under with debt, and amend the food budget to £25 for a fortnight ?? lol , and am guessing its not a situation you have been in as you wouldnt be so condesending and also would know £10 per fortnight gas is rediculous you need more than that a week in cold weather , OH wait sorry you want people to wear 50 layers of clothes and stay in bed to keep warm!
 I did my time in the forces and worked bloody hard all my life and paid hell of alot of TAX and NI so when I found myself in the benefits system I didn't see it as scrounging and certainly couldn't last on what they gave me! I TRIED....................................HAVE YOU???????????
Posted 8 April 2013
DorsetHammer
Photographer
DorsetHammer
anthonyh

Can you provide a few links then? To economists supporting Osborne...it would be interesting to see what they are saying after nearly three years of incompetence in the post.



Try Olli Rehn - he still supports Osborne. 

Posted 8 April 2013
diipii
Photographer
diipii
It's not for you to live on.


Posted 14 April 2013
To reply to this thread you must be a member. Click here to join