financial struggling.

[Devlesko]

Ok, if you are going to struggle financially can you explain to me how?
I'm really not stupid but live a different way to many and would like to understand.
My family is poor so it's not because I have money and am ok jack, but lucky that my lifestyle doesn't require much money.
This has the unfortunate effect of me not understanding much of what others may be going through.
We have lost half our family income but will be able to manage, where I know others wouldn't.
So, please don't think I'm being a gf, to me understanding means you can offer sympathy and support others.

Sorry op, but this is a very unpleasant thread. Why do you want to hear of others' financialwoes
I think the poster has form for this and wants to be able to tell everyone how clever they have been and if only you lived like me.
Ive reported

We don't earn much to begin with and have £200 pm tax credit

So you were already relain on state aid to begin with? As a lifestyle choice?

It's not hard to understand OP. A lot of people, particularly under 50, rely on a monthly wage to pay monthly bills with a little left over. Suddenly they are only earning 80% (or less if the are furloughed and normally earn more than £37.5k) that little bit left over disappears and becomes a negative number. Imagine now that in three months time you've used a credit card, mortgage holiday or overdraft to make up the difference and you are one of the (expected) million people to lose their jobs as a result of the pandemic...

I am very fortunate that my job is safe and my husband, although currently furloughed, will be able to find work even if his company go bust but this is the reality for lots of my friends and I'm worried for them not questioning how they're in the situation...

I don't understand how you don't get it OP.

Person has high outgoings, income drops, are no longer able to meet obligations.

It's not difficult. What are you after here?

In the short-term I should be fine.

In the long-term less so.

I'm not sure I want to the live in the new dystopia we are creating anyway, so I'm not too bothered.

Is this a stealth brag that the youth buy iPhones and avocados?

you mean you don’t understand that people have different circumstances to you?
I assume as you have always had a low income that you have low outgoings? Small mortgage? No mortgage? Housing benefit to pay your rent?
What about those who have a mortgage based on their high income, which they’ve now lost? The result is financial hardship.
Anyone whose outgoings are now more than their incomings will be struggling. It’s pretty simple.

Also it seems that you’re used to relying on state benefits. Many people don’t, as their income was too high. Income that they’ve now lost.

Certain sectors are hit very hard and if you have high outgoings and demand has dried up then it will be a tough ride.

OP this appears to be some strange boast about how you are fine because you have always led a frugal lifestyle (partly funded by handouts) and you seem to be looking down at those that have a fuller lifestyle. It is fine for you but those that spend more were actually driving the economy and many will no doubt be helping to pay back the assistance being given now through taxation when we are through this crisis.

.

Fairy

On the contrary, as soon as I can I have to find work, even being frugal you have bills to pay.
It's going to be a while before we start trading again, all the venues we worked have closed, we are getting by, but have nothing for the unexpected, just like many others.
I have one application in at a local call centre, the same my ds2 is employed.
I just wanted to know how others were affected.
No boasting here, as nothing to boast about.
Apologies if I gave you that impression.

On the contrary, as soon as I can I have to find work, even being frugal you have bills to pay

So surely you can see that if you can’t find work you won’t be able to pay your bills and you will be in financial hardship?

It doesn't matter I'll ask friends on fb who live differently to me, and have different jobs to me, how they are coping. Jeesh, you can't ask a question these days.

Of course you can ask questions. People are just surprised that you can’t see how people in different circumstances have different experiences to you. Surely you can see that if people have a particular income, and their outgoings reflect that income, that you will struggle if you then lose that income?

Well, I think you phrased the question badly OP.

Are you asking how people will adjust their lifestyle/outgoings?

Because it’s self-evident that if someone loses a large chunk of their income they’re likely to struggle with essential outgoings such as mortgage, council tax, utilities, transport, childcare, insurance, etc, because a lot of people’s outgoings are based around their income.

Then we have food, clothes, savings, and luxuries, which can more easily be cut.

It depends what proportion of your income you spend on what, and how much slack you have in your budget.

If you’re like me and have a whacking great mortgage but are relatively frugal with food, for example, there is less scope to cut expenses. If you have a small mortgage or rent but spend loads on discretionary stuff it will be much easier.

Is that what you meant?

Oh come on!
Cant ask a question ?
Can you really not think for yourself that people who have lost their jobs will struggle?
Its clear that this is the usual "if only you live like meeeeee" post that you have done many times.
I think the term for revelling in others misfortunes is Schadenfreude