For my husband to earn £65,000 per annum and we still can't afford to live in this bloody country!!

[winegoddess]

Mortgage has gone up, electric has gone up, 5 mouths to feed, 3 children to clothe etc etc and month after month is a bloody struggle. Am fed up with straping money together when my husband earns a good wage and we should be able to get by! I now need to search for a way of 'me' bringing in some money but with a young baby at home and 2 others at school i am at a loss as to how! Please give me some job ideas or ways to make money!!

Was housing ever included ?

Yup - that was the big (and controversial) change he made in 2003. Hence, the accusation that much of Gordy's financial success was fiction.

My point is that inflation is pretty high

well yes, it's at a 16 year high even using Brown's own (manipulated) definition but it's set to fall dramatically.

I am suprised someone mentioned good sick pay as a reason for having a public sector job but maybe that is why the absence for 'stress' and other illness is double that of that public sector.

I find it hard to believe that it is genuine.

i just read the op and totally agree. our problem is a huge mortgage and an inability for mr to earn enough to cover childcare. totally of our own making i guess but we are always totally without real money.

meant me not mr

But seriously chocolate what is going to cause the drop ?
I don't see how it can, I read lots of financial forums and people are stocking up on baked beans in anticipation of food prices going sky high.

The oil price has almost halved recently as have other commodities. This in turn impacts the price of almost everything that is transported, manufactured, packaged etc. Combine this with a dramatic shrinkage of credit due to the banking crisis and negative growth in the economy (i.e. the recession) and you have falling demand which will lead to falling prices.

Inflation is already coming down. There have been no major droughts or disasters with crops this year. That was half the problem last year.

And what chocolare dot just saud

Winegoddess,

I assume most of your costs are mortgage related (particularly if you do live in the SE.)

We've just moved to an interest only mortgage as I've had to give up work. This has saved us a fortune. At some point we will sell our house but now is not a good time.

We've also looked at renting out our home and moving into somewhere smaller for a while to help with the costs.

Other than that - just go through everything in your bank statements - look at moving suppliers for telephone ans utilities, packed lunches rather than school dinners, cut down on any after school activities.

Re earning money with a 1 year old - childminding, Pampered Chef, Virgin Vie parties etc

chocolatedot what on earth is the point in leaving behind an estate worth twice that of your friends, you're dead??
Live life within your means but I don't see the point in hoarding money for when you are dead, old age maybe!

Burn this thread

'There have been no major droughts or disasters with crops this year'

Lots of crops here were ruined by the wet summer.

Don't burn it yet - lets get to 1000 posts!

public sector workers are off with stress because they work in stressful sometimes harrowing or stressful situations

working with all sectors of society.irrespective of class,culture,illness

i can assure you the sick pay is not a perk, and each individual trust has it's own arrangements which are far from generous

police,sw,teachers,nhs workers taking shit most days frankly

and inane comments suggesting oh bet thats why they are off so much isnt really accurate

chocolatedot is probably building up a war chest to leave for her progeny, and even bail out if necessary. That is how the rich get richer and put blue water between themselves and their neighbours generation after generation, barring feckless offspring.

what is the average wage in Uk?Is OP in London because that would skew £65K.in scotland £65K a fortune

Argggghhhh.. alrite its the one that wont let me go.

RIGHT I work in public sector its shit my DH transferred from public to private and its like 'everything': professional, high expectations, no slackers piggybacking on others, great benefits conditions. Me stuck in there is no money we dont care about you public sector its just pants Pants PANTS

And most public sector workers get flack from media and general public - I am a teacher and want to get OUT. IMO people in media and elsewhere need to remember where their education came from even the small parts - not we cant buy houses where needed (well can now DH in private sector but its still modest)

lets march now to no 10 abandon your screens MNetters

As see,I am a teacher and no way not ever would I have married another teacher.

Libra1975, I didn't say we were planning on leaving a big estate, that's just the net effect of living and spending wisely and not taking on too much debt. In any case, it's all about choices; driving the latest car, eating out in expensive restuarants etc wouldn't make me any happier so why bother?

As the daughter of a man who died suddenly leaving huge and previosuly unknown debts, I had to buy my mum a house and support her financially for the past 15 years so I know quite a bit about how important financial prudence is.

I think on £65K a year with no childcare you can afford the following:

• a not huge 4 bed newbuild in a reasonable but no picturesque/touristy village outside of the the expensive areas (SE, Cheshire etc) but with reasonable village school as you can't afford private
• a fortnight in Europe in the school hols but self-catering and making breakfast and lunches
• to run two cars and change them every five years or so - maybe for nearly new rather than brand new.