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Which financial group are you

100 replies

askmeonemoretime · 29/07/2023 08:55

WHICH have divided the UK population into six broad groups around the cost of living crisis.
Which do you fit into?

  1. 9.2 million members of the drained and desperate group – who often skip meals and one of whom said “it feels like I’m existing instead of living”
  1. The anxious and at risk are much more likely to have borrowed money to maintain basic living standards than to have cut back.

Six in 10 of the anxious and at risk group have increased their debt in the last six months – the highest among all groups. They are also more than twice as likely as the rest of the UK population to have used buy-now-pay-later schemes. Anxious and at risk group are typically earning £20,000 to £45,000, are aged 18 to 34, have children, work and rent their home.
Half of them said they worry that they or other members of their household aren’t eating healthily enough, have increased anxiety and are getting more distant from their friends.

  1. Cut off by cutbacks” have seen their social life “massively impacted”, straining relationships and leaving them feeling more lonely and isolated. Their primary concerns for the future include feeling increasingly isolated from family and friends.
  1. Relatively unaffected by the crisis are the “fretting about the future” cohort. They are often aged over 55 and own their homes outright. They have bought cheaper products but around half say they have enjoyed spending more time at home.
  1. Looking out for loved ones - personally unaffected, but worry about friends and family and often giving them a helping hand.
  1. Affluent and apathetic - think people should stop complaining and just get on with it.
OP posts:
dogsweetdog · 29/07/2023 08:59

None of them. Don't have money worries myself and my loved ones don't either, but if they did I'd help them out. I also do worry about people I don't know personally, so I'm not apathetic.

Iwantmybed · 29/07/2023 09:01

No 4. We're not over 55, in our 40s but have a low mortgage for the 3.5yrs. I also have a generous employer who has increased my wage to well above inflation over the last 2 years.
So unaffected but worried for the future.

askmeonemoretime · 29/07/2023 09:01

Probably looking out for loved ones as you do care about impact on others.

OP posts:
Overthebow · 29/07/2023 09:06

I guess group 5. We’re not not really affected and luckily none of our friends and family are at the moment but we do all check round everyone to make sure everyone is ok and we would help out if needed.

Helpmymenopausalfanny · 29/07/2023 09:07
  1. Affluent but NOT apathetic.

And also help out family and don’t think people should stop complaining and get on with it.

Catspyjamas17 · 29/07/2023 09:07

None of the above. More like 4. but I am younger and not "happy to be more at home" or giving more of my money to energy suppliers and banks. I'd rather spend it elsewhere in the economy, and I'm also fucking angry at the bunch of corrupt incompetents running the country whom I certainly did not vote for.

Lovepeaceunderstanding · 29/07/2023 09:09

5

Changeforachange · 29/07/2023 09:10

4 - mid 40's but very lucky to earn enough to cope with price hikes now and also lucky that we fixed our mortgage until 2028.

But very concerned for friends and the long- term future.

TrueScrumptious · 29/07/2023 09:11

Between 3 and 4.

UserRose · 29/07/2023 09:12

4

Letterposter · 29/07/2023 09:14

5, helping out partners retired parents on a monthly basis and have a young growing family ourselves

MooseAndSquirrelLoveFlannel · 29/07/2023 09:14

Somewhere between 3 & 4. Financially we are coping, but do have to watch what we spend. But all bills are paid and we are able to socialise a bit..

But I'm constantly paranoid about being made redundant and if that happened we would be in dire financial straits.

liondreams · 29/07/2023 09:17

2 - single parent private renting

LittleBearPad · 29/07/2023 09:18

I’d say 6 is a tiny proportion. Anyone with any family, friends or empathy isn’t going to fit in there.

Pammela · 29/07/2023 09:20

Between 3and 4. We are coping ok right now but still in low fixed rate. We are a bit more careful with money but are still able to socialise.

gallop17 · 29/07/2023 09:20

I'm not sure any of them fit us really, I would say closest is maybe 4 "fretting over the future" we are not mortgage free 55+ though, still a young family with a sizeable mortgage, but with an income that can ride out the current situation, mindful we are not immune and if interest rates rise above 7% then we will need to start making adjustments. Wouldn't say we have adjusted our lifestyles or what we buy too much yet either, but mindful we may need to if it escalated.

UndercoverCop · 29/07/2023 09:21

None of these, there should be something between 3 and 4. We are fine now, still saving etc , had a holiday recently, can afford to go out, activities for DS, however I am apprehensive that impending mortgage renewal will impact that somewhat. Not enough to make us isolated or drastically change our quality of life but we won't be as comfortable as we are now and definitely won't be able to save at the same rate so that has a longer term impact.

Bowlplatesoupandroll · 29/07/2023 09:24

For me closest is 2 however I feel this started happening 9 years ago when I lost my job because of a disability (which means I now live on benefits and an ill health pension). The cost of living crisis has just exasperated the situation.

askmeonemoretime · 29/07/2023 09:25

If you are fine, worried about the future and having to cut back saving, then you are 4.
4 have made some cut backs, but are pretty unaffected.

OP posts:
PyjamasToMyRight · 29/07/2023 09:27

LittleBearPad · 29/07/2023 09:18

I’d say 6 is a tiny proportion. Anyone with any family, friends or empathy isn’t going to fit in there.

I’d think there are a lot in that category. They and their friends and family are ok. Everyone else shouldn’t have mortgages themselves up to the eyeballs, they had to live through 25% interest in the 80s and no one helped them out etc.

Not sure where we are. Need a head-in-the-sand group for people ok for now but who may be stuffed when their fixed rate is up in 2 years’ time. (I oscillate between this and saving madly to avoid this).

gallop17 · 29/07/2023 09:28

@askmeonemoretime but what if you've made no cut backs? (But still mindful of future and wouldn't be immune if it escalated further).

Hedjwitch · 29/07/2023 09:28

4 although the mortgage wont be paid off for another 3 years. Worried sick about retirement

FrivolousTreeDuck · 29/07/2023 09:29

Closest to 4, I suppose. I have a mortgage but not a large one, and I rarely socialise, so little to cut back on there. However, I do worry about the mid to long term future.

GuffyTheDustBuster · 29/07/2023 09:29

Mostly 4 with a bit of 5
Concerned re retirement as I'm aware I need to ramp up pension savings. Being more careful about the choices I make with my money (spending locally with independent places). Like PP fed up with boosting big business profits.

And still supporting our kids during and post university

gallop17 · 29/07/2023 09:29

Not sure where we are. Need a head-in-the-sand group for people ok for now but who may be stuffed when their fixed rate is up in 2 years’ time. (I oscillate between this and saving madly to avoid this).

Yeah this is my group Grin (well only if rates go over 7%, I stressed tested to 7%, then put my head back in the sand!)