How much would you need to earn to have this ?
Discussion
Go on, I'll play.
Housing, not familiar with Manchester, but the wench is renting a tidy little two up two down in a reasonable area of Derby. Paying about £400 a month.
Car, £250 a month on a pcp will get something adequate, add in another £250 a month on petrol and servicing.
Having fun, £100 a week is very easily done.
Clothes, haircuts etc, £100 a month without breaking a sweat, most women wouldn't bat an eyelid at £200 a month, though they can mitigate that by being "slightly" less likely to get through £100 a week going out.
Lunch from a shop, very easy to do £5 a day, add in a skinny latte to and from work then that's £10. A day, and there's plenty paying that each and every day.
Bills, £100 a month on a small place should cover it. Possibly a similar amount in cahnsel tax, jsut for emptying the bins.
So that's about £1600 a month, without breaking sweat, having a holiday or two or buying things like cushions for the new sofa. I recently learnt it's possible to pay £17 for a cushion. If I ever find myself short of money then I'm buying a sewing machine and heading into the cushion industry.
Housing, not familiar with Manchester, but the wench is renting a tidy little two up two down in a reasonable area of Derby. Paying about £400 a month.
Car, £250 a month on a pcp will get something adequate, add in another £250 a month on petrol and servicing.
Having fun, £100 a week is very easily done.
Clothes, haircuts etc, £100 a month without breaking a sweat, most women wouldn't bat an eyelid at £200 a month, though they can mitigate that by being "slightly" less likely to get through £100 a week going out.
Lunch from a shop, very easy to do £5 a day, add in a skinny latte to and from work then that's £10. A day, and there's plenty paying that each and every day.
Bills, £100 a month on a small place should cover it. Possibly a similar amount in cahnsel tax, jsut for emptying the bins.
So that's about £1600 a month, without breaking sweat, having a holiday or two or buying things like cushions for the new sofa. I recently learnt it's possible to pay £17 for a cushion. If I ever find myself short of money then I'm buying a sewing machine and heading into the cushion industry.
£17 for a cushion may seem like madness but I visited a house a while ago that had these Fendi cushions with the Fendi Fs in Swarvoski crystals.
I remarked to a metro-sexual friend about such matters and was somewhat surprised to learn that they're £3000 each...
Didn't The Times carry an article recently that the level of mere existence is the same as the average salary at about £24K?
I remarked to a metro-sexual friend about such matters and was somewhat surprised to learn that they're £3000 each...
Didn't The Times carry an article recently that the level of mere existence is the same as the average salary at about £24K?
How long's a piece of string?
So £26k/year before you've added going out and the clothing budget.
For the sake of argument say £200/month on going out and £100/month on clothes/gadgets/fun stuff.
... calculations show around £32k to subsist - small pension contribution and hope for company top-up. That's a relatively expensive lifestyle, mind (no matter how much the newspaper lifestyle supplements would kid you it's the "average" 20something's existence) and doesn't consider flatsharing which makes the bills much smaller.
You could easily make it more expensive going for one of the trendier towns (e.g. Surbiton/Kingston), adding gym membership, living in London proper... or make it a hell of a lot cheaper high-tailing it out to the Midlands or the North and ditching the PCP'd car.
- 2 bed flat (double+single) in a town centre, rented, good access to London: £800
- Council tax, single-occupancy discount: £110
- Average car, PCP: £200?
- Car insurance: £40
- Phone, Internet, etc.: £30
- Newish contract mobile: £30
- Gas/electric/etc.: £50
- Food: £150
- Commuting: £100
- Holidays: £750
- Road tax: £120
- Contents insurance: £100
- TV licence: £140
- Car service/MOT/etc.: £250
So £26k/year before you've added going out and the clothing budget.
For the sake of argument say £200/month on going out and £100/month on clothes/gadgets/fun stuff.
... calculations show around £32k to subsist - small pension contribution and hope for company top-up. That's a relatively expensive lifestyle, mind (no matter how much the newspaper lifestyle supplements would kid you it's the "average" 20something's existence) and doesn't consider flatsharing which makes the bills much smaller.
You could easily make it more expensive going for one of the trendier towns (e.g. Surbiton/Kingston), adding gym membership, living in London proper... or make it a hell of a lot cheaper high-tailing it out to the Midlands or the North and ditching the PCP'd car.
anonymous said:
[redacted]
Most younsters have enough nous to live within their means. Whilst I get through £5 a day for lunch, the works coffee machine is free, I doubt my food bill, apart from one or two meals out a week is over £100 a month but I know how to buy food and cook cheaply. Porridge for breakfast, food is mostly from Lidl as it's 200m away and walking further to a more expensive shop is daft.
There's plenty of ways of trimming the bill down, sharing a rented place, eating cheaper food, spending one of the weekend nights at a friends playing x-box, hide the sausage or whatever. However I've found it's the one's from a middle class background that fail in this. They've not grown up seeing parents having to work all hours to put food on teh table. They've not been denied things as there was no money for it and so assume that it is there devine right to have everything that the glossy magazine suggests they should have.
You're right that there's a great many that fail to live within their means, perhaps Pickwick Papers should be compulsory reading at school.
I just hope I've remembered the right Dickens novel. Would hate to get picked on by the PH literacy police.
anonymous said:
[redacted]
depends how proactive you are. >30k a couple of years before 30 is attainable.In my experience, mrs got d's and E's at a-levels, I failed first 2 years at uni and scraped a desmond... But got a rocket up my arse once at work and are both getting on well in teaching and manufacturing... Not lawyering or doctoring!
anonymous said:
[redacted]
But whilst that's one end of the scale, there's plenty more that manage on a lot less. It's never been that easy setting out. I remember buying my house for £50k in 1993, was three times my salary and interest rates where a lot higher back then. I struggled to keep finances in check, never got seriously overdrawn but accepted that I couldn't afford everything. Having to find a big bill for new central heating was a real blow. Replacing a car was also a struggle but it jsut meant having a quite month or two. Soon enough my income rose with inflation and experience ife became easier. I'll probably trade up sometime in the next few years, mostly as I'd like a double garage and a drive that hasn't got a 1:4 incline but I won't be paying silly money for somewhere.There's a thread on here about wants and needs. Most folk are capable of sorting out the two somehow. Most folks jsut emulsion the wall rather than paper it with jewel encrusted paper.
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