I'm skint - Oh no your not.

[rgv250ads]

The Spruce goose said:

my brother household earns 200k, 2 houses and a flat. kid in private school, 3 holidays. Gave me his used ipod classic for xmas, which he took back for a holiday and never seen it again.

That is appauling behaviour from your bro. Goes beyond the relms of skint thread.

The post someone said earlier rang a chime with me, that word 'disingenuous'
People who cry skint are just at times blatantly saying 'not got the cash to do MY STUFF and the stuff you want me to do too'

Have a frenemy in our group who is constantly skint for group stuff yet has latest apple st or draped in new shirt, shoes, whatever the fk else. These people boil my piss.

Spare tyre's OH sister pretty much describes 90% of single 20 something females, and even worse about the same percentage of modern man/pretty boy jack ass' s with nothing but obsession for material crap and status perceptoon. Another group of society that makes me wonder is a simple 1950's social world better than todays rat race infested hell??

Edited by rgv250ads on Wednesday 18th March 21:16

[TREMAiNE]

I'm one of these people unfortunately...

I put every spare penny I have into my savings (saving for a new car) - leaving me with the bare minimum each month and no money for myself...

So my excuse for not doing things with friends is always that I'm skint...

In terms of actual money I'm not at all but from money that I have to spend I am.

[Pit Pony]

I think I come across as should not be skint, but I'm saying I'm skint.

Look at the facts from the outside.

1) Mortgage paid off
2) Cars over 10 years old paid for in cash
3) No debts
4) Hourly rate currently above £40 - last month I invoiced £8.8 K including the VAT
5) £650 into pension monthly.

But look at it from my view point.

1) The hourly rate is going into my ltd company.
2) This year me and the wife will declare a joint income of £25K
3) The rest is either in the business account, or spent on business expenses.
4) What is in the Business account rapidly drops when between contracts and the contract goes from being paid one week after submitting weekly invoice, to being paid 5 weeks after submitting monthly invoice.
5) What ever is in Business account by October is earmarked for an investment BTL which eventually will supplement my pension.
6) If I pay myself more now, both kids loose University Grants and Bursaries.

So I've been saying to the wife "can we put that off until April 7th please"

[Axionknight]

Pit Pony said:

I think I come across as should not be skint, but I'm saying I'm skint.

Look at the facts from the outside.

1) Mortgage paid off
2) Cars over 10 years old paid for in cash
3) No debts
4) Hourly rate currently above £40 - last month I invoiced £8.8 K including the VAT
5) £650 into pension monthly.

But look at it from my view point.

1) The hourly rate is going into my ltd company.
2) This year me and the wife will declare a joint income of £25K
3) The rest is either in the business account, or spent on business expenses.
4) What is in the Business account rapidly drops when between contracts and the contract goes from being paid one week after submitting weekly invoice, to being paid 5 weeks after submitting monthly invoice.
5) What ever is in Business account by October is earmarked for an investment BTL which eventually will supplement my pension.
6) If I pay myself more now, both kids loose University Grants and Bursaries.

So I've been saying to the wife "can we put that off until April 7th please"

That's all well and good, why don't you tell us what colour pants you have on too?

[mjb1]

PAULJ5555 said:

Can we have your stories of people who claim they are skint but are clearly not.


My mate has a nice big house, 2 kids in private school, has cars on leases, ownes his own business.

Everytime I see him he moans about being skint, he then tells me about a horse she just bought, a family holiday they just went on for £1200 and about another holiday they just booked to go on in the same year that is costing £2000. thats 2 holidays in 1 year.

WTF - Am I missing something here.

He is skint - his wife spends all their money.

[Pit Pony]

Axionknight said:

That's all well and good, why don't you tell us what colour pants you have on too?

Multicoloured ones from asda in the SALE for a reason.

[brickwall]

P-Jay said:

"Skint" to me means "I' not confident I could face a small crisis with the money I have right this second so I'm not confident enough to spend whatever I'm being ask to spend".

It's all relative really.

That's what I take it to mean. Risk averse people will want a bigger 'buffer' than those more confident they can manage.

Personally, I know I can be landed with pretty chunky bills at short notice, so can claim to be skint even when there's a positive bank balance.

[Butter Face]

Is this going to evolve into a willy waving 'considerably richer than yo' thread?

[MrBarry123]

Butter Face said:

Is this going to evolve into a willy waving 'considerably richer than yo' thread?

Inevitably, yes.

[anonymous-user]

We all know these people who, taken at face value, appear successful and wealthy yet actually are scraping by to achieve that image. It's a strange balance thing really, having lots of really nice things and apppearing to be successful while worrying about a fiver, or having slightly fewer or slightly less glamourous things, not looking as successful but not having to worry about money so much. I like nice things, I tend to restrict my spending to 90% of my true spending capacity in order to maintain some kind of contingency, hoping that a little moderation for now will pay off long-term.
When I say 90% I don't mean it exactly, just figuratively, not to be miserly and spend a fraction of what I earn, but to try to enjoy as much as possible of the fruits of my labour without too much worry from overstretching. I'm a chicken, financially!

Edited by anonymous-user on Wednesday 18th March 23:39

[MC Bodge]

There are a lot of people like this.

We know a couple who are a well-paid doctor and an accountant. One of them has historically gone on and on and on about having a lack of money (even to friends who have actually struggled a bit at times) and how it is a struggle to find the money topay all of the bills ...whilst living in a large, expensive house that cost 2-3 times what many of their friends live in and are never short of expensive toys.

As somebody of middle income, who manages to live fairly comfortably and save money, even with a wife now working part time as having 2 children, I find it all very odd.

I save a fortune as I don't feel any need to impress people with posessions or an image.

I am who I am, what I think and what I do. I am not what I buy/own/rent and I can get along with people of all social classes.

"You can't have your cake AND eat it"

Edited by MC Bodge on Thursday 19th March 08:45

[Cotty]

StottyEvo said:

A pal of mine is always "I can't I'm skint" when the event in question costs about £10. Despite this she buys £400-600 handbags and other nonsense quite often. Spends all her money on Kim Kardashians latest promotion and then has no money to go out and enjoy life

So not skink but says so to decline the invite.

[superlightr]

so with the recent budget it was interesting to see the forecasts on the deficit.

Is the country skint?

I thought the current plan to pay off the deficit was good and get back into the black in a few years. Thus paying off your loans and mortgage and then whey hey your smiling.


I understand that Labour would keep us in the red. Thus making the country even more skint for longer?

[anonymous-user]

superlightr said:

I understand that Labour would keep us in the red. Thus making the country even more skint for longer?

If by "us" you mean working people, then yes. Doleys and their sort will still get "paid", and "paid" well.

[superlightr]

OpulentBob said:

superlightr said:

I understand that Labour would keep us in the red. Thus making the country even more skint for longer?

If by "us" you mean working people, then yes. Doleys and their sort will still get "paid", and "paid" well.

I did mean us as in the UK plc all of us warts and all ! I would sooner the UK PLC gets the deficit paid off and then it will give whatever government more legitimacy and freedom to then splash the cash as per whoever is in power but at least we UK PLC will have the cash to splash/save (if I agree on where it then goes is another question) whereas at present its just a humungous/stinking big deficit that benefits no one.

[soad]

mjb1 said:

PAULJ5555 said:

Can we have your stories of people who claim they are skint but are clearly not.


My mate has a nice big house, 2 kids in private school, has cars on leases, ownes his own business.

Everytime I see him he moans about being skint, he then tells me about a horse she just bought, a family holiday they just went on for £1200 and about another holiday they just booked to go on in the same year that is costing £2000. thats 2 holidays in 1 year.

WTF - Am I missing something here.

He is skint - his wife spends all their money.

Shoes, handbags and beauty treatments.

[okgo]

I personally think bleating on about how skint you are (if you're not by the common definition i.e. council flat eating beans) just as obnoxious as bleating on about how much cash you've got.

[J4CKO]

Stands back in amazement, I got my £40 back of my wife without being asked.

Sorted out the Child Benefit yesterday as they stopped it for eldest despite him being still in full time qualifying education, kind of irrelevant to a certain extent as I end up giving most of it back when I do my tax return but for one 15 min phone call I got a refund of £195.

I wish I had got into managing money years ago, amazing how much I have wasted on crap and given up in the past.

[PAULJ5555]

Pixelpeep7r said:

Skint = lack of immediately available cash

Everybody has their own struggles, just because the things they have are nice/nicer it doesn't mean they have any more available cash than you do.

if you've ever said to someone that you're skint i wonder if they've thought 'well, you could always sell that car or that TV and surround sound system if you were that desperate..'

OP - You budgeting £250 to spend on sinking some speakers into a wall might seem a bit frivolous to some, does that mean you're 'rolling in it' ?

Thanks for looking me up.

[Ari]

superlightr said:

so with the recent budget it was interesting to see the forecasts on the deficit.

Is the country skint?

I thought the current plan to pay off the deficit was good and get back into the black in a few years. Thus paying off your loans and mortgage and then whey hey your smiling.


I understand that Labour would keep us in the red. Thus making the country even more skint for longer?

It is a common mistake, but the deficit is not what we (as a country) owe, it's what the gap is between our outgoings and incomings. So 'clearing the deficit' isn't getting back 'into the black', it is simply not getting deeper and deeper into the red!

When the deficit is cleared we will still be massively in debt, just not getting in any deeper.

At the moment we're getting deeper into debt at the rate of five grand a second. If you want to see what that looks like have a look here:

www.nationaldebtclock.co.uk

I should sit down first though...