Now is the winter of our discontent ....

[perrykneeham]

And too effeminate.

[flatandy]

Too likely to take "pillow biting" literally and cut off your airflow with a cushion

[ootlg]

Orange peel first. Get it right.

[willcool]

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[perrykneeham]

Now, here is some World Class twattishness ....

www.telegraph.co.uk/money/high-earners-bank-of-england-income-tax-rate-drop/?WT.mc_id=e_DM141219&WT.tsrc=email&etype=Loy_Dig_Acq_Sat_8Dto1M&utmsource=email&utm_medium=Loy_Dig_Acq_Sat_8Dto1M20230429&utm_campaign=DM141219

[ootlg]

Paywall.

[perrykneeham]

"When I saw the news that the point at which the 45p income tax rate kicks in is falling to £125,140, I had to laugh. By a whisker, it raises me into the lofty realms of the country’s wealthy elite – which is a very long way indeed from how I feel.

I may earn good money in my senior job in recruitment, but the moment it hits my account, that money immediately disappears. It certainly doesn’t go on extravagances. I get my hair cut and coloured every three months, but my clothes are high street and our weekly shop is from Asda. We take one bucket-and-spade family holiday a year, last year it was in Tenerife – lovely for the children, but hardly the Maldives.

What devours my money at a terrifying rate is bills: mortgage, childcare, school fees, travel, gas and electricity… the list goes on. Although we can just about pay them now, I’m scared we’re one mortgage hike from living totally beyond our means.

We moved out of London four years ago to buy our four-bedroom house in Surrey for £1.3 million, for which we borrowed £500,000. Our repayments are over £2,000 per month, which my husband and I split between us. He is a graphic designer who earns around £50,000, which means I pay the lion’s share of the rest of our outgoings."

[flatandy]

It turns out that if you’re rich enough to pay huge school fees you’re actually pretty rich and should be paying decent tax. You’re not an average Everyman.

[ootlg]

'School fees' snuck in there among the service charges. And childcare? - creche fees? The M/gage repayments are around renting average at £2k a month. The whingeing lower middle class eh?

[perrykneeham]

No wonder she preferred to remain anonymous. I suspect she was made up. I hope so.

[flatandy]

I didn’t see that she bought a house for 1.3m but only borrowed 500k for it. So in addition to everything else she has both a great big mansion and nearly a million quid in equity.

Paying 2k mortgage for a 1.3m home and she’s whining about housing costs? Not realising how ridiculously lucky she is. A normal person borrowing now, with a 20% deposit (which would be generous for a normal human) would have be buying a 400k house if they were only willing to pay 2k per month.

[Repat Van]

Apr 29, 2023 10:05:32 GMT perrykneeham said:

Now, here is some World Class twattishness ....

www.telegraph.co.uk/money/high-earners-bank-of-england-income-tax-rate-drop/?WT.mc_id=e_DM141219&WT.tsrc=email&etype=Loy_Dig_Acq_Sat_8Dto1M&utmsource=email&utm_medium=Loy_Dig_Acq_Sat_8Dto1M20230429&utm_campaign=DM141219

Can’t read the article but the title seems completely fine.

[Repat Van]

Apr 29, 2023 14:01:05 GMT perrykneeham said:

"When I saw the news that the point at which the 45p income tax rate kicks in is falling to £125,140, I had to laugh. By a whisker, it raises me into the lofty realms of the country’s wealthy elite – which is a very long way indeed from how I feel.

I may earn good money in my senior job in recruitment, but the moment it hits my account, that money immediately disappears. It certainly doesn’t go on extravagances. I get my hair cut and coloured every three months, but my clothes are high street and our weekly shop is from Asda. We take one bucket-and-spade family holiday a year, last year it was in Tenerife – lovely for the children, but hardly the Maldives.

What devours my money at a terrifying rate is bills: mortgage, childcare, school fees, travel, gas and electricity… the list goes on. Although we can just about pay them now, I’m scared we’re one mortgage hike from living totally beyond our means.

We moved out of London four years ago to buy our four-bedroom house in Surrey for £1.3 million, for which we borrowed £500,000. Our repayments are over £2,000 per month, which my husband and I split between us. He is a graphic designer who earns around £50,000, which means I pay the lion’s share of the rest of our outgoings."

Lifestyle creep is a thing. It’s one of the basic things any finance advisor / guru worth their salt warns about. Your lifestyle shifts to match income so of course to them £125k is not a lot of money. I definitely would not want to raise a family on it. Yes we can mock her including school fees but when that becomes your norm you just see it as part of you monthly needs, it ceases to be a “want”. And depending where she lives private schools maybe a far better offering than the public option.

The point being made is the money isn’t being spend on frivolous fun. And if all your money is going to boring monthly bills with little left over then you are not going to feel that £125k is enough.

And let’s face it - that is going to resonate with the Torygraph readership who will likely be in the same bucket.


(I am more fascinated at the huge income gap between them.)

[Repat Van]

Apr 30, 2023 7:06:06 GMT ootlg said:

'School fees' snuck in there among the service charges. And childcare? - creche fees? The M/gage repayments are around renting average at £2k a month. The whingeing lower middle class eh?

You can’t avoid childcare fees if you have kids and a job.

[perrykneeham]

Of course you can. The voice of experience, aincha?

Grandparents.

[perrykneeham]

Apr 30, 2023 10:38:57 GMT Repat Van said:

Apr 29, 2023 14:01:05 GMT perrykneeham said:

"When I saw the news that the point at which the 45p income tax rate kicks in is falling to £125,140, I had to laugh. By a whisker, it raises me into the lofty realms of the country’s wealthy elite – which is a very long way indeed from how I feel.

I may earn good money in my senior job in recruitment, but the moment it hits my account, that money immediately disappears. It certainly doesn’t go on extravagances. I get my hair cut and coloured every three months, but my clothes are high street and our weekly shop is from Asda. We take one bucket-and-spade family holiday a year, last year it was in Tenerife – lovely for the children, but hardly the Maldives.

What devours my money at a terrifying rate is bills: mortgage, childcare, school fees, travel, gas and electricity… the list goes on. Although we can just about pay them now, I’m scared we’re one mortgage hike from living totally beyond our means.

We moved out of London four years ago to buy our four-bedroom house in Surrey for £1.3 million, for which we borrowed £500,000. Our repayments are over £2,000 per month, which my husband and I split between us. He is a graphic designer who earns around £50,000, which means I pay the lion’s share of the rest of our outgoings."

Lifestyle creep is a thing. It’s one of the basic things any finance advisor / guru worth their salt warns about. Your lifestyle shifts to match income so of course to them £125k is not a lot of money. I definitely would not want to raise a family on it. Yes we can mock her including school fees but when that becomes your norm you just see it as part of you monthly needs, it ceases to be a “want”. And depending where she lives private schools maybe a far better offering than the public option.

The point being made is the money isn’t being spend on frivolous fun. And if all your money is going to boring monthly bills with little left over then you are not going to feel that £125k is enough.

And let’s face it - that is going to resonate with the Torygraph readership who will likely be in the same bucket.


(I am more fascinated at the huge income gap between them.)

Utter pish. School fees are a big deal. You know they're coming, you take the pain and you rejoice when they're over with.

[ootlg]

The point being of course that it is a chosen lifestyle and she could change it if she wanted. Which demands the question - why the article?

[perrykneeham]

LOMBARD. Lots of money but a right dickhead.

[Repat Van]

Apr 30, 2023 12:25:41 GMT ootlg said:

The point being of course that it is a chosen lifestyle and she could change it if she wanted. Which demands the question - why the article?

You can’t really undo having children. Unless you are saying she just dumps them at social services to reduce her childcare fees but surely not even you’re that stupid.

[Repat Van]

Apr 30, 2023 11:38:22 GMT perrykneeham said:

Of course you can. The voice of experience, aincha?

Grandparents.

Why do you assume there are grandparents willing and available to provide permanent childcare? For free? And grandparents are still childcare aren’t they?

Evidently if that was an option she would have taken it.

To repeat - you can’t avoid childcare if you want to have kids and work. Somebody will be watching them and most of the time that somebody is somebody you have to pay. It’s not an optional expense.