how many of us are struggling to make ends meet. - HotUKDeals
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how many of us are struggling to make ends meet.

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right after doing my food bill bill post i thought i would see how many of us are just about making ends meet or cant quite get there or are still doing really well. my days of splashing out are we… Read More
greyparrot Avatar
8y, 8m agoPosted 8 years, 8 months ago
right after doing my food bill bill post i thought i would see how many of us are just about making ends meet or cant quite get there or are still doing really well.

my days of splashing out are well gone along with the well paid job.

just now trying to get used to not having ANYTHING!!!
greyparrot Avatar
8y, 8m agoPosted 8 years, 8 months ago
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#1
Take a part-time evening job? That's what I've just done.
#2
[email protected]
Take a part-time evening job? That's what I've just done.


i would if it made a difference but it wont as i have just started claiming working tax credit and if either me or my partner works any more we will lose it so doesnt make it worth doing.

for what extra you earn they take it away they are not nice to people who work and own a home but do everything for people that sits on there a**e
#3
im only 19 so too young to b worrying bout credit crunch.....however i bought two lottery tickets last saturday and u wont believe it but i didnt win a thing, must b fixed or something, not 1...but 2 tickets!!!! i must have been odds on favourite! nevermind ill try again this week!
#4
acecatcher3
im only 19 so too young to b worrying bout credit crunch.....however i bought two lottery tickets last saturday and u wont believe it but i didnt win a thing, must b fixed or something, not 1...but 2 tickets!!!! i must have been odds on favourite! nevermind ill try again this week!


Im 19 and I'm struggling like hell...I can't even find work, they have just started builing an industrial site near mine...that was supposed to be giving near 1000 jobs, but the building company has gone bust
#5
Meadsy4742
Im 19 and I'm struggling like hell...I can't even find work, they have just started builing an industrial site near mine...that was supposed to be giving near 1000 jobs, but the building company has gone bust


your right i shud have explained better because im sure there are lots of 19year old who are affected by the credit crunch, I live with parents, they dont even ask for rent and im just basically working and saving for uni next year, so maybe after 3 years ill b on here sayin something very different...who knows! hope u get a job soon buddy! :thumbsup:
1 Like #6
i cant even afford to do a proper shop i would be better off unemployed
#7
i have my morgage with the abbey and they have just added an extra £60 per month on as they are saying one of my fixed rates have stopped the problem is now i cant even remorgage with someone else as when i got the morgage we had a really good income and now our income is not enough so they basically said no company would take it on i would nt mind but its only for £76,000 so looks like i am stuck paying the extra £60 dont know where thats gonna come from!
#8
we arent really struggling .. but we have no mortgage to pay as its all paid off now . have tightened out belts a little with not going out to eat or pubbing so much and not having the dogs professionally groomed any more . ( but ive just paid £400 on grooming equipment to do it myself will save me a fortune in the long run)
after feb when hubby stops paying csa we will be a bit better off
[mod]#9
Doing ok. Have 1 mortgage on current property we're in which is low as bought when market was dead and the other property is all paid off and is providing additional income.

Although the kids try to bankrupt me on regular occasions in Toys 'r' Us. lol

Feel sorry for a lot of my friends though who bought new propertys in the last couple of years and are now really struggling to pay the bills and the mortgage on a property which is worth about £30,000 less than what they paid. :-(
#10
button_moon
we arent really struggling .. but we have no mortgage to pay as its all paid off now . have tightened out belts a little with not going out to eat or pubbing so much and not having the dogs professionally groomed any more . ( but ive just paid £400 on grooming equipment to do it myself will save me a fortune in the long run)
after feb when hubby stops paying csa we will be a bit better off


gosh wish my morgage was paid off 17 more years to go.:x
#11
Syzable
Doing ok. Have 1 mortgage on current property we're in which is low as bought when market was dead and the other property is all paid off and is providing additional income.

Although the kids try to bankrupt me on regular occasions in Toys 'r' Us. lol

Feel sorry for a lot of my friends though who bought new propertys in the last couple of years and are now really struggling to pay the bills and the mortgage on a property which is worth about £30,000 less than what they paid. :-(


we were lucky we bought our house 6 years ago for 24 k . it was a wreck .. next door paid 119 for theirs in similar condition theirs is now for sale @ 99 !
[mod]#12
button_moon;3146368
we were lucky we bought our house 6 years ago for 24 k . it was a wreck .. next door paid 119 for theirs in similar condition theirs is now for sale @ 99 !


We did a very similar thing. Bought cheap and spent money and time doing it up ourselves. Much more satisfying. :)

The market would really have to go through the floor before we had negative equity thankfully. But even then we only took out a 10 year mortgage and we are over half way through now. Just waiting until the market finds it's lowest ebb and then will be tempted to buy again for another rental job.
#13
Im not really feeling it as i am only twenty and stay at home with my parents but i now do notice how much more it costs me to buy food and i am attempting to get on the property ladder.
[mod]#14
BlondeBella;3146417
Im not really feeling it as i am only twenty and stay at home with my parents but i now do notice how much more it costs me to buy food and i am attempting to get on the property ladder.


Be patient. Stay at home with mum and dad for a few more years and you will get on the property market at a good price. :)
#15
dont have a mortgage fortunatly i am in a council flat, but a lot of my friends have and they are feeling it some of them paying £1000 a month just on the mortgage, food bills are up and gas and electric but we are not really feeling the pinch yet even thou im only getting smp from work hope it gets better soon as im planning on not going back to full time work i wanna do a part time roll
#16
Syzable
Be patient. Stay at home with mum and dad for a few more years and you will get on the property market at a good price. :)


I wish i had patients, thanks for the advise. I will save up my pennies so i will have a good deposit.
banned#17
I have never had any money! :roll:
#18
greyparrot,

so they basically said no company would take it on


Have you tried any other building societies/banks? Don't take their word for it! Tell them that you are actively looking for a better deal, & is their offer final? Tell them you want to know so that when you find another deal you can compare it to what they are prepared to offer you.
#19
DLM;3146484
I have never had any money! :roll:

Hope you had a lovely birthday on Sunday :thumbsup:

I love your posts :)
#20
so far doing ok...but thats cos hubby is in medical sector..which is gonna be largely unaffected by CC.
banned#21
Marina
Hope you had a lovely birthday on Sunday :thumbsup:

I love your posts :)


I had a fab time :thumbsup:

Thank you, sweetie x x
#22
we are not struggling. we are both in eduaction, thankfully teachers will always be needed.

i have just moved my mortgage and saving £80 a month.

i am quite good at being mean with money. its petrol costs that worry me, my husband fills up so often.

I have started getting up in the middle of the night to put the washing machine on, to use economy seven rate.
i am using the heating much less and only heating water when we want a bath.
#23
greyparrot - you are starting to depress yourself aren't you?

i can hear you stressing!

:friends:
#24
greyparrot
gosh wish my morgage was paid off 17 more years to go.:x


could you get your mortgage extended? when we were strapped for cash we extended it from 25 yrs to 30 yrs. it makes a difference. we did this with just a phone call.
#25
cis_groupie
greyparrot,



Have you tried any other building societies/banks? Don't take their word for it! Tell them that you are actively looking for a better deal, & is their offer final? Tell them you want to know so that when you find another deal you can compare it to what they are prepared to offer you.


i had this trouble with Northern Rock Mortgage. They aren't offering good rates to existing customers, who are ending thier tie in, cos most of their customers have 110% mortgages so are stuck with them.
#26
Things are a bit tight in our house. I've been a housewife for the last 4 years and youngest is now 3½. I'm having to go back to work now which I'm not looking forward to as I love being at home with the kids, taking them to and picking them up from school, etc, etc, but it's got to the point where we need the money and can't manage on the one wage anymore.

My husband also works for a Bank so I spend my time at the moment worrying that he'll be made redundant. Luckily he works for a Bank that's not struggling so thats a plus, but he's a financial advisor so is doing didly squat at the moment which is obviously a minus. I just wish this pending recession would go away, but then wouldn't we all.
#27
blackpeppa
i had this trouble with Northern Rock Mortgage. They aren't offering good rates to existing customers, who are ending thier tie in, cos most of their customers have 110% mortgages so are stuck with them.


Not sure if I'm allowed to mention companies as such, but try Yorkshire Bank if there's one near you. They're not struggling as much as the other banks as they're owned by an Australian Bank so might be a bit more flexible on their lending. Don't quote me on it, but it's worth a try.
#28
Annie1508
Not sure if I'm allowed to mention companies as such, but try Yorkshire Bank if there's one near you. They're not struggling as much as the other banks as they're owned by an Australian Bank so might be a bit more flexible on their lending. Don't quote me on it, but it's worth a try.


thx for tip but got really good deal with HSBC and it went through yesterday
#29
Annie1508
Not sure if I'm allowed to mention companies as such, but try Yorkshire Bank if there's one near you. They're not struggling as much as the other banks as they're owned by an Australian Bank so might be a bit more flexible on their lending. Don't quote me on it, but it's worth a try.


Yorkshire bank is also the same group as Clydesdale as the interest rates and accounts are pretty much the same and the call centre for both is near Glasgow and VERY fast to get through, most I have ever been kept waiting is 5 minutes but most times I get through right away with no wait and only had 2 problems with them which were sorted within minutes, first was when they didnt cancel a direct debit then charged me but realised the mistake and wiped the charges and credited me an extra £25

Other time I got a charge as they canceled my overdraft by accident but they reapplied overdraft and apoligised and refunded charge.
banned#30
Took out 100% mortgage over 30 yrs :lol: for £174,000 the house is now worth £160,000 after 12 months so whoops! Got another year left on this mortgage doubt anyone will want our debt on their books so we'll be stuck paying £1,200 odd I guess. We are paying £1,010 now, we are 25 and 24 though and both earning quite a bit more than when we took out the mortgage.
#31
I'm 18 and im strugling to find a job after leaving college, no where is taking on because of this credit crunch thing, they need to make cut backs on their spending. I do live at home but need to pay rent and it would also nice to have my own money insted of taking other peoples. Lucky tho i have nothing else to pay but rent, but getting the money to pay rent to my mum is hard
#32
I'm just at the point where I need to change my mortgage, the existing deal expires around Xmas, and I guess this is about the worst time to be looking for a decent replacement, so I'm gonna hedge my bets I think.

I bank with First Direct and they are doing an offset tracker without fees or tie ins or penalties at 0.79% over base rate if you move to them from a different lender. There are some slightly better fixed rates, but they have fees, penalties and tie-ins for 2,3,4,5,7 and 10 years.......ouch!!!

My view is that as I won't be tied into anything with First Direct I can see how the market goes and always go for something fixed if it looks like rates will soar. :-D
#33
Well i'm sound at the moment. Was tempted to buy the £50 TV from Woolies this morning but resisted. The wife on the other hand keeps ordering stuff from Quick Valueless Carp :roll:
#34
Ah the British resolve. How some have decided to stay upbeat when things have got tough

http://uk.youtube.com/watch?v=s_iMS31mqmU (The Credit Crunch Song)

http://uk.youtube.com/watch?v=tvllSpeZuoM&feature=related

http://uk.youtube.com/watch?v=kQdNLFVdwfQ&feature=related (Credit Crunch Anthem) Great dance moves!!
banned#35
lumoruk
Took out 100% mortgage over 30 yrs :lol: for £174,000 the house is now worth £160,000 after 12 months so whoops! Got another year left on this mortgage doubt anyone will want our debt on their books so we'll be stuck paying £1,200 odd I guess. We are paying £1,010 now, we are 25 and 24 though and both earning quite a bit more than when we took out the mortgage.


How did you take out a mortgage 5 or 6 years before you were born? :w00t:

I ain't doing too badly, so not complaining. However back in 1999, the way things were going, I fully expected to be far better off than I now am. £34K in shares went boobs up. Endowments collapsed (now only expected to raise less than half the target), pension good screwed over. I wished I'd had a crystal ball! Still, at least the mortgage is paid for (the endowment is no longer needed as a vehicle for the mortgage) and have a very healthy bank balance.

I still buy and spend on pretty much whatever I want (as proven yesterday by buying 2 40GB archos and docks and 2 mp3 players for the kids xmas pressies), however, even with good pay rises, I've certainly noticed money isnt going as far as it did. Fuel (both petrol and home energy) being the noticable culprits. With a leccy bill normally about £300 per quarter, I hate to think where thats gonna end up!
banned#36
guv
How did you take out a mortgage 5 or 6 years before you were born? :w00t:


Where did you get the idea I've had my mortgage that long? We took it out last year? :oops:

oh the BBC are interested in my story now...

"
Dear **********

Thanks for your message to the BBC about the fall in house prices.

I'm getting in touch as one of our programmes is hoping to speak to people who have been affected by the current financial crisis and falling house prices.

I was wondering if you would be available to speak to them? Do you have a number that I could contact you on?

I hope to speak to you soon.

Best Wishes,

Olivia "
#37
lumoruk
Where did you get the idea I've had my mortgage that long? We took it out last year? :oops:


Took out 100% mortgage over 30 yrs for £174,000 the house is now worth £160,000 after 12 months so whoops! Got another year left on this mortgage


30-1=29 :lol:
banned#38
Shengis
30-1=29 :lol:


lol whoops, meant the mortgage deal if that makes more sense, was a first time buyers discount variable rate :thumbsup:
banned#39
lumoruk
lol whoops, meant the mortgage deal if that makes more sense, was a first time buyers discount variable rate :thumbsup:


Hehe. Though Shengis math was better than mine! :w00t:
#40
Doing very well myself :)

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