ARmy Rumour SErvice

Originally Posted by jarrod248

Welcome to payment by results, you've made them companies a fortune.

Completely cynical, but absolutely on the err, money.

Originally Posted by RoofRat

Buzz,your arrogance,is only exceeded by your ignorance.

I came out of the Army in the late 80's,and had to buy a house,because back then,squaddies were considered to be lower than,chavs,and scroungers,on Council Housing Lists,no priority for Heroes back then.

Mortgage Intrest Rates were 15-17%,and you had to provide a sizable deposit (mine £10,000),I used savings,Gratuity,and Max Commutation,to get mine,I was offered an £80,000 mortgage (a mansion back then),but did the sums,worked out the worst case scenario,and plumped for a smaller one I knew I could service (unlike todays house buyers).

For 9 years I worked in London,over 70 hrs in 5 days,not including the daily commute (200 mile round trip),for higher wages,to put my kids through Uni (Grant of £700 p.a.).

Once they started work,I binned the job in London,and worked for about 60% less than I was on in London,and enjoyed a simple life,never once getting anything like "unsustainable work place benefits and pensions",you mention in your ill informed diatribe,and how trite to blame 'baby boomers' for all the ills of the 'younger generation',it's easy to trot out shit like that,when you have no idea what you are talking about!

As for your last paragraph,I'll treat it with the contempt,and distain,it deserves,coming from a working class background in London,I played,and went to school with kids from all ethnic backgrounds,all of whom are still my friends,what's your excuse?

RR, that reminds me of my stepdaughter, I took on a PA she was in her late 50s, I paid her £20K, basically she was absolutely fantastic to the point of running the business in my absence, my not so bright stepdaughter had a "Buzz" moment and said

" the reason why young people arnt getting the chance of employment is because of the likes of your PA! she should stand aside and let some one younger do that job"

I laughed, and said the reason why she is good at what she does and you are not is purely down to attitude and her sense of work ethic, she could be arrsed to train up as a PA. you could nt!

Buzz, I put my self in the position of one of your Poor cap in hand "Ner do wells" and on paper at least see if your doom & gloom is as what you say:

I randomly chose Gloucester, mid size city.

The cheapest I could rent a room for is £150 PCM inc bills

Shopping at Veg from market,lidels, Tesco BOGOF, I could eat healthly for £30.00 a week including Deo, Shampoo. £120.00

So in Gloucester I could survive on £270.00 per month on the most basic level so if you are taking home £750.00 per month

Thats £480 left over, a part from the major cities living on below you £14K is more than than doable (unlike your sister) therefore pissing on your Lazy shitecunt theory, like most of you lazy turds looking around is just that bit of effort too far...!!!

I'm chuffed to bits all the lazy don't want work as I'm due to leave the army and will have to get a proper job soon.

Originally Posted by RoofRat

Originally Posted by Buzz

There are plenty of jobs out there paying 14k plus?

Like fucking where exactly at the moment for young people?

Supermarkets paying below minimum wage by cutting the working week to 30 hours or offering zero hours day labour contracts?

Stop reading the Mail and start looking at the actual situation for people trying to find work. Stop making lazy comparisons with the situation of others in work when you haven't properly examined what they get in child benefit and tax credits and also what the second earner in the house hold brings in.

The "Too Lazy" argument is quite frankly a load of fascist shite, you would like to believe it was true but it does not hold up to scrutiny when you do the maths.

Okay,there aren't plenty of jobs out there paying 14K,so what!

Get a job,prove your worth,and move upwards,that's how it works for most people,the problem is,as you've so eloquently stated,young people need 14k per year to live on,yeah right,where?

You lay out why they need 14k,you convince the so-called 'Mail readers',on here,don't just pluck a figure out of the air,prove your point,oh and whilst you're about it define 'young people' !

Most people on here do actually work for a living,and telling them they aren't aware of unemployment in the workplace,is not only stupid,it's fucking arrogant,do the sums,at the last count,there were more people in work than out of it,and according to the figures published by the ONS,unemployment is falling,oops!

You wouldn't know what being poor,or deprived was,and as yet I've seen nobody in the UK,that would change my mind.



Mind you,things could be worse..................Gordon Brown could still be PM,and spending even more money we don't have,on more people that don't deserve it!

I am a 'young person'. School leaver, didn't finish university. I'm now at 24 and trying to make a decent start in life. I haven't done all that bad, I suppose. Always worked and even when I was out of work, briefly, I found some 'unofficial' graft to tide me over.

I work 40 hours per week and make £11.5k per year before tax. Its minimum wage. There's no overtime rate, no night shift rate and your pay rate does not change until you have climbed 3 rungs up the ladder and you have earned the word manager in your job title.

I live with my missus, who makes just under £15k per year before tax. This keeps me afloat. I wouldn't be able to afford to live alone on what I earn alone so we live together to increase our wage. It's just lucky that we're so in love and all that, eh?

I love my job but my company is one in a big long last of UK companies that pays only minimum wage for the first two promotable positions and has no workers incentive. Young people like myself tend to make up the work force. Service industry.

Its not easy. Its doable, if you live within your minimum means but with those wages you seem to always be scraping the bottom of thr barrel. Either that or you'll have to find somebody to live with.

I don't necessarily think that minimum wage needs to be increased. I think that companies that employ such large chunks of the working class ought to take a little responsibility and encourage movement. I think they should incentivise hard work and reward a good spirit. They should make it clear that your employment is not just a permanent dead end.

Originally Posted by RoofRat

breakdown of his outgoings based on pension etc

I am half in agreement with you and half in disagreement. You're making it all seem easier than it is and circumstances are different for a young lad in his 20s and older man and his missus in their 60s. Thats the way life is.

If the younger man chooses to avoid luxury in his early years so as to work one job and live in relative, affordable comfort then he also must forego having kids and possibly getting married so that he may enjoy some luxury later in life. And at that he will merely work his arse off until retirement where he will probably be in a worse financial situation than he was when he began working for 11k a year.

And things are different from how they were 25 years ago. Jarrod is right - nobody ever thought buying a house was cheap over the years but it is much more difficult now than it was then. Take buying a home. For a suitable 2 or 3 bed house you need at least 8k for a deposit in a world where banks won't loan anybody money. So does he rent houses all his life?

I am in agreement with you that if you want more in life then you should go get it yourself and work hard to earn it. Thats how I was raised and I live an affordable, happy life on minimum wage (though I also have my missus' income). But it's not an easy thing to do in this day and age.

Originally Posted by Your_Mums_Pal

I am half in agreement with you and half in disagreement. You're making it all seem easier than it is and circumstances are different for a young lad in his 20s and older man and his missus in their 60s. Thats the way life is.

If the younger man chooses to avoid luxury in his early years so as to work one job and live in relative, affordable comfort then he also must forego having kids and possibly getting married so that he may enjoy some luxury later in life. And at that he will merely work his arse off until retirement where he will probably be in a worse financial situation than he was when he began working for 11k a year.

And things are different from how they were 25 years ago. Jarrod is right - nobody ever thought buying a house was cheap over the years but it is much more difficult now than it was then. Take buying a home. For a suitable 2 or 3 bed house you need at least 8k for a deposit in a world where banks won't loan anybody money. So does he rent houses all his life?

I am in agreement with you that if you want more in life then you should go get it yourself and work hard to earn it. Thats how I was raised and I live an affordable, happy life on minimum wage (though I also have my missus' income). But it's not an easy thing to do in this day and age.

I'm sorry chap but deposits have always been hard to save for that is the way it is. To afford a mortgage you've to save really hard if you want that. I bought my house when I was 21 and could either afford to smoke or drink so I stopped smoking. I had to live very cheaply and have more than one job.
For many home ownership is quite a new thing as most people had no option other than rent or remain with parents. My parents were married 3 years before they got a council house, they had to live with my Grandparents as did his sister and husband.
The idea of getting a larger house for having a larger family is quite new, years ago nobody bothered, if you couldn't cope they'd be put in a childrens home.
I think you seem to be quite sensible and do understand but don't think things were easy years ago, wages were less and there wasn't a minimum wage so your job would be very poorly paid and you'd only make a decent wage by working more hours.

Also, a brief breakdown of my living costs to compare to RoofRats. I'm rounding up so might be unfair.

£11,000 per year, living alone in a two bed flat (went for cheapest option) in South Lanarkshire, Scotland

That's roughly £900 per month before tax.

Rent: £400
Gas/Lecky: £100
Council Tax: £100
Fuel (car): £50
Food (£20-£30 3 times per month): £90
TV/Internet: £30
Mobile: £30

So when I lived alone, before I'd gone to the pub or bought a packet of fags (luxuries that I chose and often went without because I knew how to prioritise), I was spending somewhere between 700 and 800 just to live. My luxuries were the internet and the telly for about £28 a month and I paid out 30 quid a month for a mobile phone because it was necessary. I could have done without the mobile or the internet, to be fair, and I most likely could have gotten away without shelling out for my car. But life would have been quite bleak. God forgive me if my car needed fixed or something. Whenever there was an emergency, I had to save feverently for a few weeks or beg a parent or a pal to help me out. It was a nightmare.

To balance it out, I can only advise flat sharing or moving in with your significant other.

After realising that I was struggling a little bit, I asked a mate to move in and things were easier. We split everything 50/50 apart from food, which we usually shared but bought seperately since we had seperate preferences. I was much more comfortable after that. He moved out after 6 months to work elsewhere and my missus moved in with me after that.

Earning, collectively (and approximately), £25,000 per year we are pretty comfortable and now rent a two bed house for £500 a month. The increase in council tax and utilities etc was affordable. We only run one car, though, as it's all we can afford currently but that's fine as a motor is a luxury when you can get the bus to work (which I often do when she's working as she is a home carer). We struggle occasionally but only if we over indulge and go over budget.