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Post by Repat Van on Apr 30, 2023 19:05:00 GMT
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. What? |
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Post by perrykneeham on Apr 30, 2023 19:39:12 GMT
What do you need explaining now, lass?
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Post by perrykneeham on Apr 30, 2023 19:40:33 GMT
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. Why do you assume that everyone is in the same circumstances? Circumstances that you are unfamiliar with at that. |
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flatandy
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Post by flatandy on Apr 30, 2023 20:42:34 GMT
Van’s massive boner for private education is so weird when she’s lefty about so many other things. If you live somewhere houses cost 1.3m, state education is going to be fine. If you’re paying for private education accept that it’s a self-inflicted expense that’s caused by your own preferences and biases. Don’t pretend you’re struggling because you have to pay the fees. Also, your school fees are going to be so massive that a change in interest rates should be marginal in comparison to letting your darling offspring interact with the pleb scum.
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Post by perrykneeham on Apr 30, 2023 20:50:12 GMT
Also, the kind of trash that make their money in recruitment don't really want proper private education. They want a loud blazer and a straw hat for Max and Abigail. Something that shouts "we're paying extra for this!" The kids will end up in marketing or something like that anyway. Education isn't about money but it's much easier to get a better education with it, although neither guarantees the other. Parents showing an interest and encouraging their kids is half the battle.
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Post by Repat Van on Apr 30, 2023 21:14:36 GMT
Van’s massive boner for private education is so weird when she’s lefty about so many other things. If you live somewhere houses cost 1.3m, state education is going to be fine. If you’re paying for private education accept that it’s a self-inflicted expense that’s caused by your own preferences and biases. Don’t pretend you’re struggling because you have to pay the fees. Also, your school fees are going to be so massive that a change in interest rates should be marginal in comparison to letting your darling offspring interact with the pleb scum. I don’t have a massive boner for private education. I just think that any halfway decent parent wants the best for their child. And if the local state offering is sh*t then it makes perfect sense to go private. I am pro personal freedom before anything else. |
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Post by Repat Van on Apr 30, 2023 21:15:07 GMT
“ If you live somewhere houses cost 1.3m, state education is going to be fine.”
Ha!!
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Post by Repat Van on Apr 30, 2023 21:15:30 GMT
What do you need explaining now, lass? That was a nonsensical word salad. |
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Post by Repat Van on Apr 30, 2023 21:17:48 GMT
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. Why do you assume that everyone is in the same circumstances? Circumstances that you are unfamiliar with at that. Why are you assuming I have assumed that? If you have kids and want to work you need childcare. That’s a fact. Whether family provided or otherwise. Unless you are one of the minority of people who employers let them bring their kids to work with them full time (and who is capable of working for pay and watching their kids at the same time.) Point is OneOfThe’s point is incorrect. It’s not optional expenditure and in this woman’s case it clearly is not optional. So talking about people who don’t have to incur that expense is a red herring. |
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voice
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Post by voice on Apr 30, 2023 23:10:10 GMT
Private schools, like churches, should not be tax exempt as they operate effectively as businesses. Nor should school fees be tax deductible as it's basically a luxury purchase.
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ootlg
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Post by ootlg on May 1, 2023 6:26:38 GMT
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. Lifestyle, dear - you know, the whole thing. |
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ootlg
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Post by ootlg on May 1, 2023 6:32:39 GMT
Why do you assume that everyone is in the same circumstances? Circumstances that you are unfamiliar with at that. Why are you assuming I have assumed that? If you have kids and want to work you need childcare. That’s a fact. Whether family provided or otherwise. Unless you are one of the minority of people who employers let them bring their kids to work with them full time (and who is capable of working for pay and watching their kids at the same time.) Point is OneOfThe’s point is incorrect. It’s not optional expenditure and in this woman’s case it clearly is not optional. So talking about people who don’t have to incur that expense is a red herring. Of course it's optional - do you imagine it's mandatory? |
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Post by perrykneeham on May 1, 2023 6:32:51 GMT
What do you need explaining now, lass? That was a nonsensical word salad. It seems like it's only you struggling with it. Have another go at it. |
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Post by perrykneeham on May 1, 2023 6:38:10 GMT
Why are you assuming I have assumed that? If you have kids and want to work you need childcare. That’s a fact. Whether family provided or otherwise. Unless you are one of the minority of people who employers let them bring their kids to work with them full time (and who is capable of working for pay and watching their kids at the same time.) Point is OneOfThe’s point is incorrect. It’s not optional expenditure and in this woman’s case it clearly is not optional. So talking about people who don’t have to incur that expense is a red herring. Of course it's optional - do you imagine it's mandatory? You know her personal circumstances, do you? She seems to exercise other options, doesn't she? |
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ootlg
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Post by ootlg on May 1, 2023 6:41:22 GMT
What's your point?
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Post by perrykneeham on May 1, 2023 6:41:39 GMT
Private schools, like churches, should not be tax exempt as they operate effectively as businesses. Nor should school fees be tax deductible as it's basically a luxury purchase. For some, it's a luxury purchase. It certainly should be tax deductible, sssuming that tax was paid at the full rate in the first place. VAT should be paid by unis too, and charities. |
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Post by perrykneeham on May 1, 2023 6:43:02 GMT
She has other options. There is no compulsion here. These circumstances haven't been sprung on her. |
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ootlg
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Post by ootlg on May 1, 2023 6:45:25 GMT
Er, well, yeah - that's the whole point.
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Post by perrykneeham on May 1, 2023 6:47:35 GMT
Sorry, I think I may have answered the wrong post. I wasn't disagreeing with you. Bleery-eyes.
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ootlg
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Post by ootlg on May 1, 2023 6:57:55 GMT
Hahaha... we're an hour in front here, so wide awake. I'm usually up and about around 05h00 UK time. In the summer.
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