Is the cost of living crisis real ?

Is the cost of living crisis real ?

  • Yes I`m suffering badly.

  • No, the useless fat messes need to get a grip and manage their finances and liflestyle.

  • The left are making out its far worse than it is .

  • I`m fine and couldn`t care less.

  • Its real, thousands are genuinely suffering.

  • It will get a lot worse and their will be genuine hardship.


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I have just canceled my AA membership it was £69 :49 this year I have been with them for 12 years and never used them. looking at other outgoings that we don't need
We get breakdown cover through the bank account along with mobile phone cover & travel insurance.
£19 per month well spent.
We've used all three over the years & not had a problem.
 
Helped a girl at work produce a budget last week in excel. Split the costs into fixed and variable. Added her mortgage as a formula so she could stress test her finances. Result: a 1.5% increase will see her lose her dog, gym membership and netflix. A 2% rise will result in her losing her flat. Sobering.
Introduce her to Xhamster , its free , a mate told me.

She should eat less and feed the dog , do some overtime also.
 
Or her and the dog together could generate some cash on xhamster and keep warm.

Seriously though, I bet Live Jasmin and Only Fans and the like will be getting a lot more MILFs signing up to pay their fuel bills
 

FrosteeMARIA

LE
Gallery Guru
I don't doubt it.

When it's cold.

But as the months get warmer, the "can't afford to heat the home" excuse becomes more of a soundbite, than a credible 'rolled up magazine' to swat the government with.

I used to travel on buses every day - I don't ever remember them being heated....even in the middle of winter. You had to scrape the snowy thin film of ice off the inside of the windows to see out. Driver had his heaters on though, but that was it. Maybe it was just Leicester City Bus operating on the cheap?
 

Syledis

War Hero
I used to travel on buses every day - I don't ever remember them being heated....even in the middle of winter. You had to scrape the snowy thin film of ice off the inside of the windows to see out. Driver had his heaters on though, but that was it. Maybe it was just Leicester City Bus operating on the cheap?
 
Dog, netflix don't care. It's more a thought (not fully formed and anyway sharpened by debate) that she feels a cultural pull to helping out others to the extent that her own financial security is emperilled thereby cascading poverty.

My priorities are self, then family, then friends. Hers aren't and there must be a.reason for it.
I'd be taking every penny off the "family friend " benefits to help pay the bills.
 
three bedroom cottage. Semi. Not mahoosive
Our annual consumption Jan21- Jan 22 was just over 8,000KWh. So that was about 25 cents/KWh, fixed now until Dec 2024. I reckon in a mid-sized semi you are probably using about 4,000 KWh per year. At £340 per month you are paying about £1 or ~1.20 EUR/KWh. That is, as you say, extortionate.
 
Just got our electric bill. 10 months ago we were paying EON 60 quid a month. It’s now 340 quid a month and the account is 640 quid in arrears. Not great.

Not knocking you ( or anyone else ) but posts like this have me scratching my head.

The last time I spent any length of time in the UK ( 2007 - 09 ) I was paying £150 a month for gas and electric ( Scottish Power )

I cannot remember if I got rebates - If I did, they were so small that they escape me.

And here is the killer.

I lived alone

The house was empty Mon - Fri from about 0700 until at the earliest 1800.

Most weekends I was out and about fishing, golfing or socialising.

I have long thought that energy Companies in the UK were ripping the urine, and with the latest shenanigans even more so.
 
I pay the leccy through a pay and go meter, because I knew I was being robbed. I supposedly used as many sparks one quarter as the last while we were away in Zakynthos for three weeks? So I said fit me a pay and go meter at no charge. Dah dah it stabilised out about 8 quid a week. Remarkable!
 
Boo hoo, cry me a river.

What's being "second-generation immigrant" got to do with supporting a family friend?! It's not only 2nd-G who support family and friends...
Gym membership and Netflix I understand but...her dog ?

Get rid of the 'family friend', not the dog, FFS ! ;-)
 
Don't panic is the key, just communicate. Just say look I'm on my arse here and I can only afford x at the moment, if situations improve I can afford Y , I believe it is the credit consumer act 96 ,stand to be corrected. I believe only a court of law or local authority can stipulate an amount to be paid?
 

ugly

LE
Moderator
shopping is more scary if you ask me
I agree, 0A has decided to cut the feed bill and use the PIP payment to help balance the other bills we will be spending about £10 per week per person on food. I’m hopeful that work will pick up soon as it’s been a quiet few months on retainer!
 
Just got our electric bill. 10 months ago we were paying EON 60 quid a month. It’s now 340 quid a month and the account is 640 quid in arrears. Not great.

That is insane. It's not even winter months or the anticipated October jump either, I'd query it personally.

I think my parents are currently £200/ month for their 3 bedroom bungalow...
 
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Helped a girl at work produce a budget last week in excel. Split the costs into fixed and variable. Added her mortgage as a formula so she could stress test her finances. Result: a 1.5% increase will see her lose her dog, gym membership and netflix. A 2% rise will result in her losing her flat. Sobering.

She has also opted out of the pension scheme (~9% employee and 16% employer) because 'she can't afford it'.

She has to support a 'family friend' who is living rent free (unemployed) in her flat and, together with her sisters, her dad.

She's going to suffer financially because they didn't make adequate provision. I wonder how many other second generation immigrants are in the same boat, trying to help their family but running themselves into to ground financially in doing so.
Just curious, did you use ordinary Excel or some specific budgeting spreadsheet?
 

Simmerit

War Hero
I agree, 0A has decided to cut the feed bill and use the PIP payment to help balance the other bills we will be spending about £10 per week per person on food. I’m hopeful that work will pick up soon as it’s been a quiet few months on retainer!

anything you’d consider a luxury item has gone now. We eat the basics.

There are some big positives. Processed food doesn’t get through the door and she’s stopped buying shite. She used to whinge about her weight and I used to say you are what you eat. She’s she’d some beef since she’s stopped buying shite. We’ve also cut alcohol out pretty much. We will have a couple of jars of wine on a Saturday and that’s it. We’ve also stopped eating out and walk the hounds for England, so exercise is filling any gaps. It’s a simpler life but on the whole, I’d say a healthier one.

I was in the village shop yesterday and I thought I’ll snaffle a bag on Monster Munch. A quid. A quid for a packet of crisps FFS. We’ve also noticed sauces are two thirds of the size they were 6 months ago.
 
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