I'm skint - Oh no your not.

[DoubleSix]

Chris Type R said:

DoubleSix said:

Think yourself lucky. Some of us pay 60p

There's a 60% band ?

Effectively.

Due to stupidity on behalf of the last Labour Government...

http://www.telegraph.co.uk/finance/personalfinance...

[Chris Type R]

DoubleSix said:

Effectively.

Due to stupidity on behalf of the last Labour Government...

http://www.telegraph.co.uk/finance/personalfinance...

Ouch - not worth getting out of bed in the morning.

[Cotty]

DoubleSix said:

Effectively.

Due to stupidity on behalf of the last Labour Government...

http://www.telegraph.co.uk/finance/personalfinance...

Or they just take it all and give you some pocket money

[Axionknight]

9mm said:

It's not the money, it's the taking of the piss that grates. People that stand their round are invariably ok people, whereas those that don't often have quite a few irritating traits. It was ingrained in me as a kid that if you can't pay your way, you don't go out.

(Quote has been snipped).

100% this, some people must have a right brass neck - then again the folk who put up with this piss taking time and again must be totally foolish.

[omgus]

gwm said:

omgus said:

Mention it. If he has resorted to minesweeping then he cannot afford to come out.

And before you know it, he's hung himself because he was ostricised by his mates and you're the one to blame.

Bloody hell that's a leap.

"Sorry mate i've got to let you know your OH is minesweeping, you need to deal with that"

"I can't, if i tell him that he needs to sort his st out and look at whether he can afford to come out he might hang himself"

[Colonial]

I went through a period of not having cash.

If I went out with mates I just said upfront I can't do rounds, don't have the spare cash, you pay for your drinks I'll pay for mine/I won't get in to rounds.

Not that hard.

On a side note, my sister is over from the UK. Whingeing about not having any money and how hardly done by they were.

Your husband is a hedge fund manager. You work as a practice manager for a big architectural firm. You have a 1 year old 5 series. You live in St Albans. You take 6 overseas holidays a year. Including 3 to Australia.

You don't have a cash flow problem. You have a budgeting problem.

[MissChief]

Without reading through the thread, and I'm sure there are some responses like this, some people really do not know the true meaning of 'being skint'. For some it's not having enough for an evening meal out at a nice restaurant costing £50. For others it's putting £30 in the tank rather than filling it up.

Then there's people like myself who live alone, earn a few hundred pounds above the Council tax benefit and Housing benefit thresholds who are in a decently paying job but still find it an absolute struggle from payday to payday. I have no savings and were I to be sacked or lose my job for some reason I'd be really in the st very, very quickly. I haven't had a holiday that wasn't paid for by someone else since 2004. Haven't been to concert or gig in at least 5 years and don't generally 'go out' at all. My 'treats' are the occasional KFC or McDonalds meal, perhaps delivery pizza the weekend after payday with the kids, £10 on Sky Fibre a month and £10 a month Spotify subs. And that's it.

(insert generic 'get a new job' responses here)

[MC Bodge]

Colonial said:

You take 6 overseas holidays a year. Including 3 to Australia.

The thing is, I just can't see any areas in which they could make any reductions in outgoings.....

[glazbagun]

Countdown said:

Parkinson's Law - "Expenditure rises to meet income".

Some people claim to have no money because they pay £1,000 into their ISA each month. It's not really "being skint" though.....

I also suspect that having money (and thus having the responsibility of doing something beneficial with it) paradoxically makes you tighter than when you're skint because you're more focussed on wealth aquisition than you would be if your money was being flushed away on rent, etc.

Funilly enough I was just thinking how I probably have less disposable income than I did pre-uni. Need to resharpen those student living skills again!

[vikingaero]

When we go out as a group there is one guy who is notoriously tight. Always gets lifts from people despite having his own car, rarely buys a round, when he turns up he'll hog all the food and resources and when we go on long trips we never get any share of the petrol money from him.

He'll always leave it until the last minute before persuading someone to pick him up and thinks nothing of calling me up so that I can make a 30 mile detour to collect him (and a 30 mile detour to drop him off) - yeah right!

[GT03ROB]

DoubleSix said:

Chris Type R said:

DoubleSix said:

Think yourself lucky. Some of us pay 60p

There's a 60% band ?

Effectively.

Due to stupidity on behalf of the last Labour Government...

http://www.telegraph.co.uk/finance/personalfinance...

....and what have the heroic Tories done about it in 5 years or promise to do about it in the next 5 yrs? Nothing. They are just glad somebody else thought of it.

[DoubleSix]

GT03ROB said:

DoubleSix said:

Chris Type R said:

DoubleSix said:

Think yourself lucky. Some of us pay 60p

There's a 60% band ?

Effectively.

Due to stupidity on behalf of the last Labour Government...

http://www.telegraph.co.uk/finance/personalfinance...

....and what have the heroic Tories done about it in 5 years or promise to do about it in the next 5 yrs? Nothing. They are just glad somebody else thought of it.

Nobody 'thought of it' though did they, it's quite plainly an oversight and indication of poorly constructed policy. Not defending the Tory lack of action but clearly they can just point to the fact it wasn't their doing and sit back and reap the rewards.

But I suspect Mr Osbourne wouldn't be so hopeless as his predecessors in designing such an obvious fk up.

[HTP99]

My 22 yo and her boyfriend are always "skint" in actual fact they are just completely st with money.

They get paid, she goes "woohoo I have loads of money", I'm going on a spending spree, this month he bought her a £700 hand bag "as she deserves it", she had a contract on an iPad Air but had to sell it last year as they were out of money with a week to run until payday; the £40 a month contract is still running though, last month she took out a £50 a month contract on an iPhone 6+, we had calls to our house this month from a debt collection agency who were chasing her for payment for something, the boyfriends mum bailed them out when bailiffs came round last month chasing missed Council Tax payments, I see letters from credit card companies on the side stating that she is behind payments or has gone over her limit.

As myself and the wife look after our grandson; her son, on our days off when our daughter is working, which entails us driving to her flat, picking him up, dropping her to work and doing the reverse after she finishes work; she doesnt drive yet (thats another story) we have asked for a contribution to petrol; £25 a month, it is only nominal and more of a gesture request; we have to constantly chase her for it and haven't had it this month as "we are skint"; they went out for a very expensive night when they got paid!! they ran out of money last week; with a week left till payday.

I mentioned the petrol money this morning; saying I wanted this months and next months tomorrow; her payday, otherwise she will have to bring our grandson over in the morning and collect him after work and make her own way home, she got all funny "well you and mum go out and and enjoy yourselves".

[MC Bodge]

MissChief said:

Without reading through the thread, and I'm sure there are some responses like this, some people really do not know the true meaning of 'being skint'. For some it's not having enough for an evening meal out at a nice restaurant costing £50. For others it's putting £30 in the tank rather than filling it up.

Then there's people like myself who live alone, earn a few hundred pounds above the Council tax benefit and Housing benefit thresholds who are in a decently paying job but still find it an absolute struggle from payday to payday. I have no savings and were I to be sacked or lose my job for some reason I'd be really in the st very, very quickly. I haven't had a holiday that wasn't paid for by someone else since 2004. Haven't been to concert or gig in at least 5 years and don't generally 'go out' at all. My 'treats' are the occasional KFC or McDonalds meal, perhaps delivery pizza the weekend after payday with the kids, £10 on Sky Fibre a month and £10 a month Spotify subs. And that's it.

(insert generic 'get a new job' responses here)

Which is why I find it somewhat distasteful when people with large incomes complain about a lack of money in their pocket because they happen to have spent it or saved it in the bank. , not because they are struggling for money. If they had more money they would spend or save more, they wouldn't carry it about in their pocket.

saying that you are "skint" is often akin to falsely pleading poverty, despite what some are suggesting.

[theboss]

GT03ROB said:

DoubleSix said:

Chris Type R said:

DoubleSix said:

Think yourself lucky. Some of us pay 60p

There's a 60% band ?

Effectively.

Due to stupidity on behalf of the last Labour Government...

http://www.telegraph.co.uk/finance/personalfinance...

....and what have the heroic Tories done about it in 5 years or promise to do about it in the next 5 yrs? Nothing. They are just glad somebody else thought of it.

Rather like the 50p 'higher rate' though, there is a 'ratchet' effect with such tax increases for a higher earning minority - very easy to introduce without too much of a fuss, but politically very difficult to reverse.

There's a similar marginal rate of 60-odd per cent between £50-60k for anyone with a few kids and a lower earning partner, as the 'family allowance' or whatever its called, is removed. The tories can at least take full credit for that one.

Edited by theboss on Thursday 26th March 10:54

[DoubleSix]

theboss said:

GT03ROB said:

DoubleSix said:

Chris Type R said:

DoubleSix said:

Think yourself lucky. Some of us pay 60p

There's a 60% band ?

Effectively.

Due to stupidity on behalf of the last Labour Government...

http://www.telegraph.co.uk/finance/personalfinance...

....and what have the heroic Tories done about it in 5 years or promise to do about it in the next 5 yrs? Nothing. They are just glad somebody else thought of it.

Rather like the 50p 'higher rate' though, there is a 'ratchet' effect with such tax increases for a higher earning minority - very easy to introduce without too much of a fuss, but politically very difficult to reverse.

There's a similar marginal rate of 60-odd per cent between £50-60k for anyone with a few kids and a lower earning partner, as the 'family allowance' or whatever its called, is removed.

Exactly. Another piece of ill-thought out st.

A couple both earning 45k - "happy days here's your allowance"

A couple where one earns £0 and the other 90K - "fk you! no fking allowance"



It's a load of bks and as you can probably tell it thoroughly boils my piss.

[okgo]

I don't have kids, what is this allowance you speak of, and when do you stop getting it?

[GT03ROB]

DoubleSix said:

theboss said:

GT03ROB said:

DoubleSix said:

Chris Type R said:

DoubleSix said:

Think yourself lucky. Some of us pay 60p

There's a 60% band ?

Effectively.

Due to stupidity on behalf of the last Labour Government...

http://www.telegraph.co.uk/finance/personalfinance...

....and what have the heroic Tories done about it in 5 years or promise to do about it in the next 5 yrs? Nothing. They are just glad somebody else thought of it.

Rather like the 50p 'higher rate' though, there is a 'ratchet' effect with such tax increases for a higher earning minority - very easy to introduce without too much of a fuss, but politically very difficult to reverse.

There's a similar marginal rate of 60-odd per cent between £50-60k for anyone with a few kids and a lower earning partner, as the 'family allowance' or whatever its called, is removed.

Exactly. Another piece of ill-thought out st.

A couple both earning 45k - "happy days here's your allowance"

A couple where one earns £0 and the other 90K - "fk you! no fking allowance"



It's a load of bks and as you can probably tell it thoroughly boils my piss.

Forget the actual rates it's the total perversity of a tax system were individuals marginal rates are up & down like wes drawers all the way through the scale. Roll NI into and then plot the marginal rate of tax as you increase through the income levels & you see the perversity & un-necessary complexity of the system. There is a total lack of transparency which means politicians can make all the popular noises while increasing taxes all round. Then at the same time make individuals responsible for sorting out there own taxes & fine them if they get it wrong or submit late or in the wrong colour or not online or whatever other excuse they can think of.

Osbourne if you are half as smart as they say sort it out!!!

[Issi]

Many years ago, me and a Scottish mate were walking around town on a Saturday afternoon, and he asked if I fancied a drink.
We stopped at a local pub and he bought himself a pint and me a half, as I was driving.

A couple of days later he went back to the RAF and I didn't see him for a couple of months.

Met up with him in a pub on his return, and his first words were 'Your round!'

[Spare tyre]

Cotty said:

Spare tyre said:

I'm not allowed to pull her up on it as she'll go off the rails and ruin the evening.

We also usually have to wait for her to finish her bath which she is just getting into when we arrive on time to pick them up, she then spends 30 mins in there. Of course the restaurant are then pissed off and tell us we only have x amount of time due to being 30- 45 mins late. So I have to rush eating a meal that I'm paying for to watch old nummpty drink my money!

Takes the piss!

10 min window. Not ready/out of the bath leave. If she claims to be so skint then she will not be able to get a cab and spoil the evening, if she does ask where the money comes from.

Believe me I'd pull her apart in seconds, the parents are too soft, they always bend over backwards. Personally I'd suggest we were sitting down at 7, see you there. Family politics on the other halves side prevent common sense being used

I think it is totally unacceptable