Where does all my money go?

[timmy30]

Just wondered, and so as I had a few hours to kill I downloaded my bank statements for the past year and here's where the money went........

Booze 3.26%
Food 5.48%
Going out 5.5%
Gifts 1.78%
House stuff 4.76%
Travel 6.37%
Holidays 8.56%
TAXES 64.29% !!!!

Of every £1.00 I spend 65p in some form or other is f**king government tax, I feel like I'm some kind of f**king surf or something. It wouldn't be so bad if they goverment weren't so patently appalling at wasting money. 65% TAX!!!





>> Edited by timmy30 on Tuesday 20th September 10:45

[_DeeJay_]

timmy30 said:

Just wondered, and so as I had a few hours to kill I downloaded my bank statements for the past year and here's where the money went........ Booze 3.26% Food 5.48% Going out 5.5% Gifts 1.78% House stuff 4.76% Travel 6.37% TAXES 64.29% !!!! Of every £1.00 I spend 65p in some form or other is f**king government tax, I feel like I'm some kind of f**king surf or something. It wouldn't be so bad if they goverment weren't so patently appalling at wasting money. 65% TAX!!!

Those are really impressive figures - more on food than on housing. You must eat a lot or have a very small mortgage!

[timmy30]

_DeeJay_ said:

You must eat a lot or have a very small mortgage!

Don't have a mortgage, don't believe in being in debt. The house stuff was my Mrs out buying various curtains, covers, wicker and god knows what else.

[john75]

timmy30 said:

_DeeJay_ said: You must eat a lot or have a very small mortgage! Don't have a mortgage, don't believe in being in debt. The house stuff was my Mrs out buying various curtains, covers, wicker and god knows what else.

It is hard buying properties at the moment without Mortages daft people want silly money I was offered two shops the other day both with 5 bed living accomadation one at £380k and the other at £260k.

The really strange thing is that the shop that was for sale at £260k has a better profit margin and more potential.

[r988]

so what happened to the other 43.51% then?

[timmy30]

anonymous said:

[redacted]

Never had one. Worked hard, saved hard, bought. I realise that this route is no longer open to anyone under the age of 35 these days given the rate of house price inflation. Seems wrong to me, in alot of ways I can understand why young people say f*uckit and max the credit card enjoying themselves they don't have a hope in hell of saving up for a deposit let alone a house.

Meanwhile the goverment does things like waste £3bn on early start centres in deprived areas ( to raise reading standards ) and when a independant study shows after 5 years that there is NO difference between the funded and control areas.....they announce a 5 fold increase in the number of centres. That's some poor buggers potential savings they are spending!

[Mr Whippy]

timmy30 said:

Just wondered, and so as I had a few hours to kill I downloaded my bank statements for the past year and here's where the money went........ Booze 3.26% Food 5.48% Going out 5.5% Gifts 1.78% House stuff 4.76% Travel 6.37% Holidays 8.56% TAXES 64.29% !!!! Of every £1.00 I spend 65p in some form or other is f**king government tax, I feel like I'm some kind of f**king surf or something. It wouldn't be so bad if they goverment weren't so patently appalling at wasting money. 65% TAX!!! >> Edited by timmy30 on Tuesday 20th September 10:45

Yup, and what glorious things do we get provided with.

Police that never turn up to "smaller" problems like vandalism etc, hospitals with huge queues for operations and MRSA on the wards, thankfully fire brigade is still effective!
Then doctors just fob you off with painkillers and wait 10 days for ANY problem it seems.
Roads are shafted with holes, no plod around on the road so lots of drunk, drugged up, dangerous scrote drivers let loose.
Then we have our freedoms taken away even more and more by a mentalist nanny state, intent on not allowing us to speak up about their useless ability to run the country!

So, for 65p in a pound, they are doing a SH1TE job of running the country on our behalf. Why do people put up with it?
I'm up for a big "peacefull" protest in London if 5 millions others are

Dave

[funinthesun]

timmy30 said:

Just wondered, and so as I had a few hours to kill I downloaded my bank statements for the past year and here's where the money went........ Booze 3.26% Food 5.48% Going out 5.5% Gifts 1.78% House stuff 4.76% Travel 6.37% Holidays 8.56% TAXES 64.29% !!!! Of every £1.00 I spend 65p in some form or other is f**king government tax, I feel like I'm some kind of f**king surf or something. It wouldn't be so bad if they goverment weren't so patently appalling at wasting money. 65% TAX!!! >> Edited by timmy30 on Tuesday 20th September 10:45

just tried mine .quick estimates

food - 9.4%
council tax - 4%
car related ( ins, petrol servicing ) - 20%
insurances - 7%
Entertainment - 12%
household Bills 11%


as a % of my expenses ( not including income tax)tax runs at about 15% as IPT and a few energy taxs are 5%..

note to self... must spend more on cars...

[fido]

timmy30 said:

Never had one. Worked hard, saved hard, bought. I realise that this route is no longer open to anyone under the age of 35 these days given the rate of house price inflation. Seems wrong to me, in alot of ways I can understand why young people say f*uckit and max the credit card enjoying themselves they don't have a hope in hell of saving up for a deposit let alone a house.

have to agree, i'm probably one of the few (under 35) in my circle of friends w/out mortgage or credit card debt. am i happier than any of them? to be honest - not really. they just spend exactly what they earn!

[timmy30]

funinthesun said:

just tried mine .quick estimates food - 9.4% council tax - 4% car related ( ins, petrol servicing ) - 20% insurances - 7% Entertainment - 12% household Bills 11% as a % of my expenses ( not including income tax)tax runs at about 15% as IPT and a few energy taxs are 5%.. note to self... must spend more on cars...

No holidays? That's not much funinthesun

Income tax is the largest expense I have, it's a marvellous product I by with it, well to be honest Iv'e never seen the product itself but apparently it's so great that everyone gets to buy the prouduct whether they like it or not.

[Flat in Fifth]

Mr Whippy said:

Then doctors just fob you off with painkillers

Well I had open chest surgery recently and despite all the fancy talk from the anaesthetist what I got in terms of post-operative pain relief consisted of two paracetamols every 6 hours for two weeks.
To be fair, although at times it hurt quite a bit and difficulty sleeping, on balance glad didn't get any mind altering drugs.

[off_again]

Flat in Fifth said:

To be fair, although at times it hurt quite a bit and difficulty sleeping, on balance glad didn't get any mind altering drugs.

Had my appendix out a couple of months ago - needed pain relief and requested paracetamol (pretty harmless in the great scheme of things). Anyway, doctors insisted on "proper" pain relief and gave me ultra-strong morphine etc.....

It WAS mind altering, as well heart rate, breathing rate and made me pass out....! Serious stuff, I obviously have a problem with morphine based drugs! Lo and behold, back on the paracetamol once it had worn off. Discomfort - yes, on planet earth - yes. But I personally wanted to be alive and not tripping on something else.....like you say, mind altering drugs arent necessarily the way forward.....!??!?!

[Plotloss]

Is that Morphine as in the straight cousin of Heroin?

Friend of mine who got loaded on it in hospital said it was like being a cat, asleep in a ball in a beam of sunlight in a darkened room. Days could have passed for all he knew.

[lord summerisle]

anonymous said:

[redacted]

not quite... but will be when jabba gets his bulldozer plan into action properly and crushes all the little people out their terraces

in many parts of the country - lancashire especially there are plenty of homes for £30-100k yet this isnt good enough and the goverment through pathfinder schemes in stafford, liverpool, oldham, salford, burnley, rossendale, newcastle, hull are attempting to throw people out of their houses so the streets can be bulldozed to allow developers in to build executives homes to bring the ave house prices in the area up...

indeed the report on the situation defending the demolision plans in our area states '(the) area suffers from an abundance of affordable homes, though it is unclear wiether they are affordable to the local population'

average wages is unclear as with all averages, those earning mega bucks bring the average wage point up above a true figure (from that econamy webpage some one put up yesterday) with average wages being 17-20k rather than the gov. spouted stat of about 24k

[timmy30]

lord summerisle said:

average wages is unclear as with all averages, those earning mega bucks bring the average wage point up above a true figure (from that econamy webpage some one put up yesterday) with average wages being 17-20k rather than the gov. spouted stat of about 24k

I think the median wage is around £16-17k, somewhat less than the average £24k

[zcacogp]

Mr Whippy said:

Yup, and what glorious things do we get provided with. Police that never turn up to "smaller" problems like vandalism etc, hospitals with huge queues for operations and MRSA on the wards, thankfully fire brigade is still effective! Then doctors just fob you off with painkillers and wait 10 days for ANY problem it seems. Roads are shafted with holes, no plod around on the road so lots of drunk, drugged up, dangerous scrote drivers let loose. Then we have our freedoms taken away even more and more by a mentalist nanny state, intent on not allowing us to speak up about their useless ability to run the country! So, for 65p in a pound, they are doing a SH1TE job of running the country on our behalf. Why do people put up with it? I'm up for a big "peacefull" protest in London if 5 millions others are Dave

Well said that man.

Dave - let me know when the protest is. I'll be there.


Oli.

[lord summerisle]

timmy30 said:

I think the median wage is around £16-17k, somewhat less than the average £24k

Thanks - was trying to remember if i had read that or i had imagined it to make myself feel better....

[Kinky]

r988 said:

so what happened to the other 43.51% then?

Petrol?

[funinthesun]

holidays would come out of anything that is left... those are just every month expenses.....

be interested to see ho wmuch everyone / anyone? saves per month as a % of thier income... not including pensions,,,..

[timmy30]

Kinky said:

r988 said: so what happened to the other 43.51% then? Petrol?

Not quite sure what he's referring to there. Petrol is part of what I spent on transport though.