Question to those EX servicemen who are over 30 ?

#1
I am 37 and a full time truck driver. I love my job but my wages have not risen in the last 4 years. I do not own any property and will not recieve any inheritance. I live in the south east and my rent is half of my wages.
With house prices in this country set to average £300,000 in the next 10 years.Is anyone in my boat and how can people like us get out of this trap?
 
#2
Tights .... shotgun .... bank ....... free food & accom for some years!
 

ugly

LE
Moderator
#3
I was there and struggled like hell to pay the mortgage on a flat. It works, 15 years later I have a 4 bed detached. I too live in the south east but short of robbing banks there is feck all you can do bar buying a tip and live in it then sell for a profit to another mug!
 

Mover

Old-Salt
#4
I don't know the answer to your question civpop, I think the same thing for my kids.

It must make you wonder what life will be like after working. Most of my drivers haven't bothered taking out the company pension, the logic being that anything they save, the government will offset against any social money going - I must admit they have a point.
 

ugly

LE
Moderator
#5
chris951 said:
Tights .... shotgun .... bank ....... free food & accom for some years!
That was going to be my pension, a cucumber in a brown paper bag, get away with it and you are ok, get caught and you have 25 yrs B&B + meals. Buggers keep closing the sub post offices and even on pension day there is nothing worth pinching!
 

ugly

LE
Moderator
#6
Mover said:
I don't know the answer to your question civpop, I think the same thing for my kids.

It must make you wonder what life will be like after working. Most of my drivers haven't bothered taking out the company pension, the logic being that anything they save, the government will offset against any social money going - I must admit they have a point.
Yourpension will only get raided if not by your employer then by the Govt. Put it in bricks and mortar but its all long term. Nothing less than 40 years planning! I aim to have a mortgage free property in 5 or 6 years allowing me to stop working (I fecking hate work) and get on with doing the dogs job I really love!
 
#7
ugly said:
chris951 said:
Tights .... shotgun .... bank ....... free food & accom for some years!
That was going to be my pension, a cucumber in a brown paper bag, get away with it and you are ok, get caught and you have 25 yrs B&B + meals. Buggers keep closing the sub post offices and even on pension day there is nothing worth pinching!
I shouldn't really be flippant about it but what can you do! Essential service providers cannot afford to buy in the areas they serve (Nurses, firemen, teachers etc). Government really doesn't care and will do precious little to help. House prices have outstripped salary increases, inflation etc for the last 15 years. Most people trying to buy now cannot afford anything consumate with their income.

The only vaguely sensible thing I can suggest is start small and try to invest your way up the property ladder. Problem is the bottom "should" fall out of the market at some point as the current rate cannot be sustained (surely?)
 

ugly

LE
Moderator
#8
chris951 said:
ugly said:
chris951 said:
Tights .... shotgun .... bank ....... free food & accom for some years!
That was going to be my pension, a cucumber in a brown paper bag, get away with it and you are ok, get caught and you have 25 yrs B&B + meals. Buggers keep closing the sub post offices and even on pension day there is nothing worth pinching!
I shouldn't really be flippant about it but what can you do! Essential service providers cannot afford to buy in the areas they serve (Nurses, firemen, teachers etc). Government really doesn't care and will do precious little to help. House prices have outstripped salary increases, inflation etc for the last 15 years. Most people trying to buy now cannot afford anything consumate with their income.

The only vaguely sensible thing I can suggest is start small and try to invest your way up the property ladder. Problem is the bottom "should" fall out of the market at some point as the current rate cannot be sustained (surely?)
I suppose saving up a few grand for a deposit to buy when the arse falls out of the market is the difficult start. If you can get a 100% mortgage or deposit paid new flat deal then its a start. The old rule used to be spend no more than 25% of net income on property. You could always try a part ownership deal or a housing assoc to get the rent lower!
 
#9
I do not know of anyone who is in my social group who are much different to me. Everone close to me works but we live from week to week. They along with me are not really able to plan anything more than a day in advance. I as much as they do wish to have a stake in something. Most of my friends get regularly FCUK'ed on cannabis coke or alchohol. I feel sorry for them getting out of it all the time. The only thing is that I am just as much of a junkie as they are because I go on mesage forums.

I was in the army for 9 years and it was the best time of my life.

After seeing that life and comparing it to the utter shit I live in now I am quite depressed.

I will never admitt defeat but I think my traditional English sense of fair play is being relegated.

I have tried to build bridges with all the people who I meet in my local area. At the end of the day even though we are all of the same social standing within the UK we all end up when the shit hits the fan siding on family race and then religious groupings.

Nobody I know has any stake in society.
how are we going to get this lost generation feeling we are part of something?
 
#10
Thank fcuk that you can get 8 cans of stella for a £5 where i live. when the working man cannot get out of his head for such a cheap price the ruling class better be wary?
 
#11
£2.45p for 3lt of 6% cider from tesco!
 
#12
Get a better job - go back to school or uni.....do it now or regret it later!
 
#13
me and be I currently work 6 days a week and my desposible income is £70. How on earth am I to pay the bills and get better qualified? Should I just sign on and develop a disability?
 
#14
Tough one civpop - if your income is under 25000 per annum the ou will give you claim forms to get a student grant. but 8 hrs study a week would be far too little - I see it that you have a crap job, driving isn't something I would want to do. Do you have any alternatives?
 
#16
Me and be , I live on a razor blade I go to work when I am ill because £70 that is left from my income means decent grub and a few cheep cans and my internet access. I cannot look any farther than next week seriously. The rest of the people like me are either too stoned /pissed to see life as I do. They go to work and come home and get wasted. There is no time for self improvement. I have met many ex service personel who are like me the only ones I feel are doing OK have large extended families.
 
#19
WasMe said:
Where do you live civpop??? Sounds like a scene from Shameless!!!!
RG1 its normal trust me people here live in a triangle that is 3 miles square. Thank fcuk there are a few university students to lighten things up.
 
#20
Jeeeeezz and I thought I had it tough, fookin hell fella, pick your chin up mate, like some of the others said try a bit of education OU or get a better job, yes I know easier said than done. Have you tried the Highways Agency, they are recruiting big time as eventually they will replace traffic cops on motorways. My neighbour is applying now and he reckons about £25k on shifts!! Their site is easily found plus, as far as I am aware not as stringent an entry as being a cop (sh1t job anyway).
You never know whats round the corner!!! plus if you get into debt etc have you considered RBL or SAFFA or even your old Regt. Association for help. FFS dont end up like some of the ex forces lads I have come across, living on the streets. You may not know it but you probably have a sh1t load of top qualities / skills that you can adapt/transfer to a better job.. Good Luck and chin up...........
 

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