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Families 'on the brink of poverty', Netmums survey says

Families 'on the brink of poverty', survey says Families 'on the brink of poverty', survey says

MORE than 70 per cent of families are financially "on the edge", according to new research.

They are teetering on the brink of poverty and could face ruin if hit by further price increases or falls in their income, the study by parenting site Netmums found.

The survey of more than 2,000 mothers found that one in five was regularly missing meals so her children could eat.

A quarter of families are living on credit cards, five per cent take regular payday loans and one in 100 has turned to loan sharks to stay afloat.

The poll also found that almost half of families have sold or pawned goods to make money to live, while 16 per cent are being treated for a stress-related illness because of lack of cash.

Almost two-thirds (64 per cent) have less money coming in than this time last year, and 61% are short of money every week.

Almost a third (30 per cent) have borrowed money from friends and family, a quarter (24 per cent) are living on credit cards and one in 20 has taken out a bank loan to fund everyday living.

Netmums founder Sally Russell said: "It's shocking that seven in 10 families in the UK today are living on the edge of existence - but it's a crisis that needs exposing.

"Mums shouldn't be missing meals to feed their children or turning to loan sharks in modern Britain.

“Family finances are so strained that any more pressure will turn this personal crisis into a catastrophe for the nation."

A spokeswoman for the Department for Work and Pensions said: "Our welfare reforms will have a dynamic impact on some of the poorest families and will lift over one million people out of poverty.

“We continue to support low income families and put £6.5 billion a year into financial support for lone parents."

She added: "This is why we need credit unions to be supported and strengthened to ensure that illegal loan sharks can't plague the homes of vulnerable people and offer a real alternative to doorstep and payday lenders.

"We are working on the best ways to help credit unions expand and modernise so that more families can have access to affordable credit."

Comments(43)

PaulErith says...
8:59am Thu 16 Feb 12

Maybe this will lead to a positive change in society. For too long, the welfare system props up irresponsible teenagers who have babies and live comfortably. If people see their friends struggling near the povety line, they might think twice about following them down the same route.

I think that the welfare system should provide the absolute minimum to just about keep people above the poverty line, but no more.

Locked an Loaded says...
9:44am Thu 16 Feb 12

It was reported that over 500 foreigners a day took British jobs in 2011 in all the main media outlets yesterday

mouthalmighty says...
11:26am Thu 16 Feb 12

What's foreigners got to do with poverty in this country. There are jobs out there, take them or shut up. Nobody I know is out of work. Some are earning half the wages they are used to earning, but rather that than be on the dole. Nuff said.

PaulErith says...
12:02pm Thu 16 Feb 12

mouthalmighty wrote:
What's foreigners got to do with poverty in this country. There are jobs out there, take them or shut up. Nobody I know is out of work. Some are earning half the wages they are used to earning, but rather that than be on the dole. Nuff said.
I agree. I have only one mate who's out of work, and that's his fault because he refuses to go for jobs that are 'beneath him'! Wrong attitude.

the wall says...
12:13pm Thu 16 Feb 12

Quote -
' according to new research '
AND
' the study by parenting site Netmums'

This is not research it Netmums. How many have bad spending habits, waste food, have luxuries they don't need and are keeping up with Joneses.

An internet survey is not a reliable source of information.

I wonder how many of these mums are over weight ? So missing the odd meal isn't going to do any harm.

Jeepo 11 says...
12:35pm Thu 16 Feb 12

First things first, lets teach the lay deez from Netmums how to keep their legs together. Keep it shut girls.

PaulErith says...
12:56pm Thu 16 Feb 12

the wall wrote:
Quote - ' according to new research ' AND ' the study by parenting site Netmums' This is not research it Netmums. How many have bad spending habits, waste food, have luxuries they don't need and are keeping up with Joneses. An internet survey is not a reliable source of information. I wonder how many of these mums are over weight ? So missing the odd meal isn't going to do any harm.
Exactly - These days people 'in povety' still have mobile phones and other 'essentials'. True povety exists for sure, but I'm not convinced about this survey.

toomush2drink says...
2:43pm Thu 16 Feb 12

Is it really down to poverty that they miss meals or a complete lack of financial education ?
Its not hard to eat on a tight budget, i know i had to do it when my business collapsed.I had no proper income for months but kept the roof over my head and ate well till i got another job.Yes there are jobs out there if you can be bothered to make yourself employable.
Unfortunately many cannot be bothered to make themselves employable.By that i mean doing basic things like talking in a normal non "i wanna be gangsta" way." you get me ?".
Learning how to construct a sentence without resorting to text speak,dressing appropriately and more.

I would love to know what many of those living in so called poverty are wearing.Do a survey on what gadgets they have in their homes and what clothes they are wearing to get a true picture of the poverty they claim.

Poor financial decisions are at the heart of this so called poverty,how many have a blackberry or iphone etc ?
How many buy readymeals or dont cook in bulk and freeze it down, a much more economical way to eat.

rw4732 says...
5:01pm Thu 16 Feb 12

If this government was not making such drastic cuts in all spending and did more to support growth of the ecnomy then things would not be so bad and people would not be living in poverty, I would say that some people brought thier I phones etc.. when in work, is it now being suggested that because you no longer have a job you cannot have a i phone or blackberry which could help you find another job and get out of poverty, there is no confidence in our ecnomy, because people who are still working are afraid to spend or invest in case they are next out of work, get growth back, get confidence back and people will have wrk and not be in poverty!

toomush2drink says...
8:38pm Thu 16 Feb 12

rw4732 wrote:
If this government was not making such drastic cuts in all spending and did more to support growth of the ecnomy then things would not be so bad and people would not be living in poverty, I would say that some people brought thier I phones etc.. when in work, is it now being suggested that because you no longer have a job you cannot have a i phone or blackberry which could help you find another job and get out of poverty, there is no confidence in our ecnomy, because people who are still working are afraid to spend or invest in case they are next out of work, get growth back, get confidence back and people will have wrk and not be in poverty!
If they dont have the cuts the country goes even further into debt.More debt isnt going to get the country moving is it, take a look at greece ?
The fact people are saving is a good thing after years of "have the lifestyle you want at any cost, just borrow it" type thinking.

Its payback time, a fact you cannot get away from like it or not.

I notice you didnt address any of the other very valid points in my post only about the phones.

It is actually a very good time for growth as shares are low and any business that starts in this environment and survives the next couple of years should really prosper when times are good.

mouthalmighty says...
9:07pm Thu 16 Feb 12

I have a blackberry. It cost £4 a week or less, minimum £2 a week. I don't drink, smoke, do drugs or eAt cream cakes and drink lattes. As I have saidbefore, do not judge a book by it's cover. Luckily I have never experienced true poverty, but through voluntary work, true poverty exist, right under your put out noses. You won't see or hear these people complaining. Why? Because of the shame of their predicament. Life can be cruel and a way out is not always obvious or accessible.

ankleswinger says...
9:58am Fri 17 Feb 12

if this country didnt keep billions of our money to india and pakistan we wouldnt have our pensioners having to choose between eating or heating the billions given away could pay every single pensioners winter fuel bills,
what a nice gesture this would be towards those who fought for this country, and as it happens in the last two weeks the indian and pakistani govt officials have claimed they do NOT want britains money! so over to you dave!

johnfirewall says...
1:38pm Fri 17 Feb 12

I would be living in poverty if it wasn't for and overdraft and credit cards.

I earn a reasonable wage but I'm essentially worse off through actually having a job. This means I have the option of 'affordable housing' (a misnomer) instead of being given somewhere for free.

I don't smoke or go out much and a mobile and broadband are hardly luxuries in an age where the government want everyone to have a computer.

So to have people complaining they have nothing left after buying booze, fags and their kid's trainers, while paying no tax is a disgrace.

I feel deeply sorry for working mums but again they're the ones genuinely hard done by because of this system. Unfortunately we'll never be able to subtract enough from 'Jobseekers' to sufficiently boost Working Families Tax Credit or give enough to those who deserve it.

DonnaTxx says...
5:17pm Fri 17 Feb 12

Hungry my ar se. You're sitting on a fortune girls.

mouthalmighty says...
5:25pm Fri 17 Feb 12

Why so much bad language. Can't you people express yourselves without resorting to offensive remarks.

toomush2drink says...
5:42pm Fri 17 Feb 12

mouthalmighty wrote:
I have a blackberry. It cost £4 a week or less, minimum £2 a week. I don't drink, smoke, do drugs or eAt cream cakes and drink lattes. As I have saidbefore, do not judge a book by it's cover. Luckily I have never experienced true poverty, but through voluntary work, true poverty exist, right under your put out noses. You won't see or hear these people complaining. Why? Because of the shame of their predicament. Life can be cruel and a way out is not always obvious or accessible.
Ok so you havent actually been in poverty and yet talk in a such a knowledgable way about it ?
Well i have lived in poverty and not exactly well off now with more going out thans coming in, but,and its a huge but, my kids are well fed and the bills are paid.
Sure life can be cruel i grew up in a single parent family on the lovely ramsden estate with a nice constantly leaking roof over our heads.

I chose never to return to that way of life and have done something about it.

I dont have a university education but have never been out of work.Its a lot to do with your approach to life.Read up on most millionaires and they have lost the lot and more at some point but have gone on to greater things.

Its not me who is judging, like i said it comes down to financial education which is freely available to anyone with access to books or the internet, this knowledge costs nothing.

I suppose its more interesting posting stuff on netmums rather than finding a way out of a particular predicament for most.

Its not always how much you earn but what you do with what you earn which is why plenty have won the lottery and then lost the lot yet others have lost everything then regained it all.The only difference is financial education.

We can whinge and moan about the cuts and what the government gives away but what about those wonder years when labour was in power giving money away and making up jobs.What happened to all the money earned in the good times ? Back then people were not interested in saving or longterm investments only having the latest "things" and nice holidays.

Well now its payback time.

DonnaTxx says...
8:52pm Fri 17 Feb 12

"Well now its payback time"

Ohh yea, and 'they' don't like it, no sir, 'they' dont like a dose of their own medicine. Crying like stuffed pigs 'mates'. ROFL

mouthalmighty says...
12:39am Sat 18 Feb 12

Define poverty. When I grew up in the sixties every one was poor. Cold nights with a rumbling tummy, etc. I do not consider we lived in poverty. I suppose these days it would described as poverty. So, is poverty defined as having less than your' neighbours?

lilly007 says...
9:33am Sat 18 Feb 12

i so feel for the people that lose there jobs and have to go on to benefits .the job centre get paid £1,300 per person who goes back to work .they do not help people ,they allocate 5 minutes per person and if they think you have not done enough looking for work they stop your money .Then you do find a job and you can only work 16 hours because you have children we are told that you now have to work 24 hour or you will lose £88 week .there are not enough jobs out there .Not to forgett the new housing law if you are under 35 you will only get help with a single room and for the people already who live in a one bed room flat will have there claim cut in half ,that means they will be evicted and homeless and no the council will not help you ,for all you that live in social housing your rents will be the same rates as privet rentals ,that will mean more people will be evicted ,this will be the people that are working and not on benefits .OUR GOVERMENT are causing us to be poor and its our children that will suffer .

Virtual-Monster says...
3:13am Tue 21 Feb 12

Oh well, anyone get a fiver they could spare?

bimbim says...
3:09pm Wed 22 Feb 12

PaulErith wrote:
mouthalmighty wrote: What's foreigners got to do with poverty in this country. There are jobs out there, take them or shut up. Nobody I know is out of work. Some are earning half the wages they are used to earning, but rather that than be on the dole. Nuff said.
I agree. I have only one mate who's out of work, and that's his fault because he refuses to go for jobs that are 'beneath him'! Wrong attitude.
I am disappointed to see that so many people on this website have the “I am alright Jack” attitude. My husband has been out of work as a direct result of the “demolition government” coming into power. My husband was a manager of several departments in his previous employment. He does not mind what he does and how little he earns he just wants to work and has applied for every kind of work, only to be told each time that he is not suitable because due to the fact that he was a manager in his last firm they are worried that he might get bored and leave. In a nutshell he keeps getting told that he is over qualified for the jobs he is applying for and he is not even given a chance. When he applies for managerial jobs, he doesn’t even get a response. It is very disheartening and frustrating. I think that most of you should start looking outside your “little boxes” at the wider picture. The question is what support would you get from the government if you came out of work, and don’t forget once all the public sector jobs cuts are made these jobs will never reappear. You’ve got to remember that the Tories have never liked “Public Sector” and have always tried to demolish it. Wake up all of you, if you support and believe that this government is doing this for the good of the country you are mistaken, they are using this as an excuse to privatise everything, including the National Health. That’s what you’ll get in years to come. Wake up and look outside your box. It’s the Tory disease coming out again. Each time we’ve had a Tory government there has been high unemployment.

ron1952 says...
5:32pm Wed 22 Feb 12

bimbim its you luv who needs to look outside the box as you put it. Where is the money coming from pray tell. Socialism doesn't work, the country is broke after all those years of Bliar and Broon and their give aways. Open door immigration, chavs society thats never worked, yea we need Liebour like a hole in the head dear.

toomush2drink says...
5:37pm Wed 22 Feb 12

The flip side is every time we have had labour in power there have been massive problems with the country as a whole, winter of discontent anyone ?
So labour have stuffed the country again and left a huge deficit and fiddled the books big time and now the coalition has to sort it out.

Perhaps if the wonderful labour government hadnt sold off the gold reserves cheap there might be a lot more money about now meaning less cuts.

Is that the bigger picture i should be looking at ?

I work in the public sector too.

mouthalmighty says...
11:36pm Wed 22 Feb 12

Bimbim I am not alright in"my box". I am unable to work at the moment, money is tight, I am living on credit and overdrafts, but as someone who has never previously been out of work, I do feel that I will find a job when I need to. My last job only paid half of what I was usually earning, but I learnt new skills. My problem is the nhs is so short of cash in some areas, that I am not getting the right treatment in order to return to work. But I do not consider my self to be in poverty.

bimbim says...
12:54pm Thu 23 Feb 12

toomush2drink wrote:
The flip side is every time we have had labour in power there have been massive problems with the country as a whole, winter of discontent anyone ? So labour have stuffed the country again and left a huge deficit and fiddled the books big time and now the coalition has to sort it out. Perhaps if the wonderful labour government hadnt sold off the gold reserves cheap there might be a lot more money about now meaning less cuts. Is that the bigger picture i should be looking at ? I work in the public sector too.
How nice once again to see the British public turn on each other!
I think you are missing the point here.
Sadly we have too many two bob ( 10p for those too young to remember when we had a real currency that was worth anything ) Weekend Tories in this country now days. The fact that they shop on line at Waitrose and can buy a pint of beer on a Friday night does not make you middle class however much you kid yourselves.
As long as you depend on that wage packet each week / month and are at the mercy of "restructures" and government policy you are and will always be WORKING CLASS!!
Mr Cameron will never ever walk the same streets as you or I and will never stand in the rain for a bus that has been withdrawn from service or face a two hour delay on the train due to poor out of date rolling stock!!
I was in that box for 20 years and always knew that it was a fine line between champagne or lemonade!!
You blame Labour? Well if Labour caused the illness then the Tories certainly made sure that the patient was put down!! We have a government now that none of us wanted. We have a wealthy bunch of professional politicians that have never worked in the real World and as such, through no fault of their own have no concept of what it means to have ones dignity undermined when asked at the local Job Centre..." have you any savings"? " What have you done this week to look for work"? Go away then, and get your wife to look after you as she works and you after 30 / 40 years cannot claim a penny after contributing for all those years.
But hey let's send money abroad in foreign aide while old folk die in their own homes in London of hypothermia and children have to use books in school that are so old that Maferking has only just been relieved!!
I wear my Nationalism with pride, but we need to wake up and see that we need to look after our own and re-kindle the sense of beneficence rather than kicking a man or woman when they are down.
Mr. Cameron wants to send funds and aide to Somalia so as to prevent possible future terrorist?
I must be dreaming?? We have to pay a country in advance in case they might kill our families in terror attacks in the future? Perhaps we should have given the IRA a few quid and we might have saved a few lives there as well?

toomush2drink says...
7:43pm Thu 23 Feb 12

Sure the government send money abroad but surely that was better than blairs ridiculous idea to let everyone come and live here at our expense ?

Not sure where the middle class thing has come into the debate, why are you going on about that ? Im working class through and through not in any doubt about that.
Labour inherited a pretty strong economy from the conservatives and then pretty much stuffed it up through the endless spending without thought.If they had run a company they would be in major legal trouble just on the fiddling of the books that has been uncovered.Nobody knew the full extent of how bad the economy was because the labour government didnt want us to know the truth.

I agree we shouldnt be sending money overseas when there are far more pressing things at home to sort out but then again the labour policy of forcing multiculturalism upon us is more of a reason to wear your nationalism with pride.

Jachin says...
4:42pm Fri 24 Feb 12

I have to agree 100% with BimBim
How wonderful it must be to give up your job; car; house so that the Tory "Party" can clear the debt asap. I am looking forward to getting my job back as soon as it is all paid back and getting a big medal from Mr. C for being in this all together!!
Are you folks for real?
We are or should I say were a proud nation that lead the way in this World, now we are becoming second rate and being overrun by cultures that although " may enrich our own" they should not be allowed to replace it!! If we are strapped for cash we don't fix our neighbours fence do we? We fix or own first!! Why then do we send money serious money to countries that in truth hate us when we are in this state!! Take one year of no overseas aide and plough it ALL into the NHS or Local projects. Not a crazy plan to buy of potential terrorists from Somalia!! If we suspect that they may attack us then we need to make them aware that it will have a cost! Not war but no cash!! They will soon understand that they have to control their own "children"
If my kids are being a pain in my local park / shop I would not expect you or anyone else to pay me money so that I will tell them not to be naughty!! Get real and put some backbone back into Great Britain and start looking after our own. Black; white or green!!

bimbim says...
5:01pm Fri 24 Feb 12

toomush2drink wrote:
Sure the government send money abroad but surely that was better than blairs ridiculous idea to let everyone come and live here at our expense ? Not sure where the middle class thing has come into the debate, why are you going on about that ? Im working class through and through not in any doubt about that. Labour inherited a pretty strong economy from the conservatives and then pretty much stuffed it up through the endless spending without thought.If they had run a company they would be in major legal trouble just on the fiddling of the books that has been uncovered.Nobody knew the full extent of how bad the economy was because the labour government didnt want us to know the truth. I agree we shouldnt be sending money overseas when there are far more pressing things at home to sort out but then again the labour policy of forcing multiculturalism upon us is more of a reason to wear your nationalism with pride.
I am glad you agree with me about sending money abroad. At least you have some common sense. Tell me if the country had inherited such a “pretty strong economy” from the Tories why was labour voted back in in1997 with such a strong majority? The whole nation couldn’t wait to see the back of the Tory government. I don’t know how old you are but I remember two recessions under the Tory government, in the mid to late eighties and then the second one started in early nineties. I also remember there was high unemployment under the Tory government. Mr Cameron has done nothing yet about immigrants coming into this country, so let’s “watch that space”. As for your comment about nobody knowing about the full extent of how bad the economy really was under labour because labour didn’t want anyone to know, of course the conservatives are going to blame labour for everything in the hope that “gullible” people will believe them, which unfortunately seems to be happening. I am not saying that Labour was perfect and I didn’t agree with everything that they did, but at least people were able to work and let’s not forget there was a world recession in 2008 which was not caused by them. I do agree and I accept that everyone must tighten their belt and accept higher prices, higher VAT, high taxes, high fares, freeze on pay etc etc imposed by the government and things have to be tough for a while but what I do not accept and I think is totally unacceptable is the savage cuts on jobs and people being put out of work and losing their homes as a result of this. No-one should have to sacrifice their home and job, that will not help the economy. I don’t see Cameron et al making such sacrifices. Perhaps people who work in the public sector and support his policies should give up their jobs to help him pay off the deficit.

bimbim says...
5:01pm Fri 24 Feb 12

toomush2drink wrote:
Sure the government send money abroad but surely that was better than blairs ridiculous idea to let everyone come and live here at our expense ? Not sure where the middle class thing has come into the debate, why are you going on about that ? Im working class through and through not in any doubt about that. Labour inherited a pretty strong economy from the conservatives and then pretty much stuffed it up through the endless spending without thought.If they had run a company they would be in major legal trouble just on the fiddling of the books that has been uncovered.Nobody knew the full extent of how bad the economy was because the labour government didnt want us to know the truth. I agree we shouldnt be sending money overseas when there are far more pressing things at home to sort out but then again the labour policy of forcing multiculturalism upon us is more of a reason to wear your nationalism with pride.
I am glad you agree with me about sending money abroad. At least you have some common sense. Tell me if the country had inherited such a “pretty strong economy” from the Tories why was labour voted back in in1997 with such a strong majority? The whole nation couldn’t wait to see the back of the Tory government. I don’t know how old you are but I remember two recessions under the Tory government, in the mid to late eighties and then the second one started in early nineties. I also remember there was high unemployment under the Tory government. Mr Cameron has done nothing yet about immigrants coming into this country, so let’s “watch that space”. As for your comment about nobody knowing about the full extent of how bad the economy really was under labour because labour didn’t want anyone to know, of course the conservatives are going to blame labour for everything in the hope that “gullible” people will believe them, which unfortunately seems to be happening. I am not saying that Labour was perfect and I didn’t agree with everything that they did, but at least people were able to work and let’s not forget there was a world recession in 2008 which was not caused by them. I do agree and I accept that everyone must tighten their belt and accept higher prices, higher VAT, high taxes, high fares, freeze on pay etc etc imposed by the government and things have to be tough for a while but what I do not accept and I think is totally unacceptable is the savage cuts on jobs and people being put out of work and losing their homes as a result of this. No-one should have to sacrifice their home and job, that will not help the economy. I don’t see Cameron et al making such sacrifices. Perhaps people who work in the public sector and support his policies should give up their jobs to help him pay off the deficit.

bimbim says...
5:01pm Fri 24 Feb 12

toomush2drink wrote:
Sure the government send money abroad but surely that was better than blairs ridiculous idea to let everyone come and live here at our expense ? Not sure where the middle class thing has come into the debate, why are you going on about that ? Im working class through and through not in any doubt about that. Labour inherited a pretty strong economy from the conservatives and then pretty much stuffed it up through the endless spending without thought.If they had run a company they would be in major legal trouble just on the fiddling of the books that has been uncovered.Nobody knew the full extent of how bad the economy was because the labour government didnt want us to know the truth. I agree we shouldnt be sending money overseas when there are far more pressing things at home to sort out but then again the labour policy of forcing multiculturalism upon us is more of a reason to wear your nationalism with pride.
I am glad you agree with me about sending money abroad. At least you have some common sense. Tell me if the country had inherited such a “pretty strong economy” from the Tories why was labour voted back in in1997 with such a strong majority? The whole nation couldn’t wait to see the back of the Tory government. I don’t know how old you are but I remember two recessions under the Tory government, in the mid to late eighties and then the second one started in early nineties. I also remember there was high unemployment under the Tory government. Mr Cameron has done nothing yet about immigrants coming into this country, so let’s “watch that space”. As for your comment about nobody knowing about the full extent of how bad the economy really was under labour because labour didn’t want anyone to know, of course the conservatives are going to blame labour for everything in the hope that “gullible” people will believe them, which unfortunately seems to be happening. I am not saying that Labour was perfect and I didn’t agree with everything that they did, but at least people were able to work and let’s not forget there was a world recession in 2008 which was not caused by them. I do agree and I accept that everyone must tighten their belt and accept higher prices, higher VAT, high taxes, high fares, freeze on pay etc etc imposed by the government and things have to be tough for a while but what I do not accept and I think is totally unacceptable is the savage cuts on jobs and people being put out of work and losing their homes as a result of this. No-one should have to sacrifice their home and job, that will not help the economy. I don’t see Cameron et al making such sacrifices. Perhaps people who work in the public sector and support his policies should give up their jobs to help him pay off the deficit.

Jachin says...
5:37pm Fri 24 Feb 12

Wise words indeed from BimBim! I agree 100% again.
So does the web manager as he posted that one three times.
Keep it up BimBim, we need to see what these Tory tykes are doing to us and our country. The hatred these folks have for the working class and in particular the public sector is clear. They fear educated and informed plebs! How dare the working class aspire to own property!! Sadly the obsequious acolytes that consider themselves Tory because they have a job ( at the moment ) are the ones who will feel the pain more than the rest. We all knew what these clowns would do so we tried to get something behind us. Why have we seen the largest protests in London in decades and riots on the streets? Because we don't want you Mr.C !!! Go now Go soon...But please just GO!!

DonnaTxx says...
7:41pm Fri 24 Feb 12

So lets be clear here you want Liebour back in power ?? You really think they will look after the "working class ", are you that stupid.

Jachin says...
8:15am Sat 25 Feb 12

Thank you for your rude and offensive reply Donna!! Nice attitude indeed. To call a person stupid because they do not agree with your own views. Sounds like another right wing group that springs to mind!!
The point is that none of us want to be in the situation that we now find ourselves. You and I and many folks that work for a wage ( I deem that working class ) can have the rug pulled from under us at any moment and sadly the system in this country would see us lose all we have..FACT!!
Have a great Weekend worshiping at the alter of Mr. C
Remember to offer your first born child to The Almighty to help reduce the deficit as we really are in this altogether!!

toomush2drink says...
12:14am Sun 26 Feb 12

Jachin wrote:
Wise words indeed from BimBim! I agree 100% again.
So does the web manager as he posted that one three times.
Keep it up BimBim, we need to see what these Tory tykes are doing to us and our country. The hatred these folks have for the working class and in particular the public sector is clear. They fear educated and informed plebs! How dare the working class aspire to own property!! Sadly the obsequious acolytes that consider themselves Tory because they have a job ( at the moment ) are the ones who will feel the pain more than the rest. We all knew what these clowns would do so we tried to get something behind us. Why have we seen the largest protests in London in decades and riots on the streets? Because we don't want you Mr.C !!! Go now Go soon...But please just GO!!
And who was it who made possible for council tenants to buy their properties cheaply ? Oh yes that would be the tories.
People who take out mortgages have to fully understand the true financial implications of a mortgage.
If you lose your job you should have sufficient savings put aside to pay that mortgage if the worse happens.If it was all so good when labour was in power then quite a lot of people should be sitting on small fortunes in their savings shouldnt they ?
As i mentioned earlier financial education is what is needed by many.

The riots are more to do with greed, pure and simple.It was started by criminals and others joined in as their own greed took over in the mob mentality.

Unfortunately a lot of the nation is obsessed with owning material "things" and putting on a show for those around them.Style over substance whatever the cost.

Jachin says...
12:18pm Mon 27 Feb 12

toomush2drink wrote:
Jachin wrote:
Wise words indeed from BimBim! I agree 100% again.
So does the web manager as he posted that one three times.
Keep it up BimBim, we need to see what these Tory tykes are doing to us and our country. The hatred these folks have for the working class and in particular the public sector is clear. They fear educated and informed plebs! How dare the working class aspire to own property!! Sadly the obsequious acolytes that consider themselves Tory because they have a job ( at the moment ) are the ones who will feel the pain more than the rest. We all knew what these clowns would do so we tried to get something behind us. Why have we seen the largest protests in London in decades and riots on the streets? Because we don't want you Mr.C !!! Go now Go soon...But please just GO!!
And who was it who made possible for council tenants to buy their properties cheaply ? Oh yes that would be the tories.
People who take out mortgages have to fully understand the true financial implications of a mortgage.
If you lose your job you should have sufficient savings put aside to pay that mortgage if the worse happens.If it was all so good when labour was in power then quite a lot of people should be sitting on small fortunes in their savings shouldnt they ?
As i mentioned earlier financial education is what is needed by many.

The riots are more to do with greed, pure and simple.It was started by criminals and others joined in as their own greed took over in the mob mentality.

Unfortunately a lot of the nation is obsessed with owning material "things" and putting on a show for those around them.Style over substance whatever the cost.
I paid off my mortgage 10 years ago and own a second home in Kent. I am concerned with those folks that are not so lucky!
You say...
"If you lose your job you should have sufficient savings put aside to pay that mortgage if the worse happens"
What World do you live in mate? Young couples today cannot even save for a deposit let alone save up the balance of a mortgage. Wonderful idea... Sell off all council homes so that there are none left for future generations!! Again I see a very short sighted blikered view from you old chap. I speak about those that have not while you blame them for their position!
Let Africa starve !! They should have bought more mineral water when it was on sale at the local Waitrose. After all it is all about style over substance is it not?

Jachin says...
12:32pm Mon 27 Feb 12

"If you lose your job you should have sufficient savings put aside to pay that mortgage if the worse happens.If it was all so good when labour was in power then quite a lot of people should be sitting on small fortunes in their savings shouldnt they" ?

Sorry I have to mention this again as it makes me laugh at such a silly comment... OK I will start saving now....Do you know if and when you will lose your job? I don't

Sitting on a small fortune you say!! OMG you really do wear rose coloured glasses chum!

Look at the start of this thread mate... folks in this country whoever they are and whatever age they are should not be subjected to this!! We help the whole World so why turn our backs on our own!!
I am sure you turn-off the TV when Children in Need is on as well? After all it is the kids fault isn't it!!

toomush2drink says...
4:32pm Mon 27 Feb 12

You fail to address any of my points.You say the tories hate the working class yet it was the tories who allowed working class people to get onto the property ladder cheapily yet now you knock the idea ?
If someone cant afford a mortgage in the first place then surely then that means they cant afford one regardless ? Or are you saying that mortgages are for all regardless of if they can afford them ?
It took me ages to buy my first property then was even harder keeping it but working two jobs i managed to survive.

When the housing market was going up and up loads of people were remortgaging and going on nice holidays and buying expensive cars etc well now that money has to be paid back.No one considered it might all go bang and the economy might go downhill so it was spend spend spend labour style.We can fund it as our house has risen in value type thinking.

Well not all of us spent spent spent,some saved up and paid off as much of the mortgage as they could in case things took a turn for the worse, its called financial planning.As i keep saying more people need financial education but not one comment has been made about that fact.

Btw im am real world my business crashed and burned so im very aware of the recession, business's going bust owing others thousands is very much real world.

Africa is a whole new problem, they have the resources but corruption means it doesnt matter how much money you send out there its pointless if the people in the palaces with 20 cars dont send it to where its needed.

You can laugh all you like about my comment on saving for the future but if its such a foolish idea i would love to know why ?

Jachin says...
5:29pm Mon 27 Feb 12

I fear that you may be getting rather over heated old chap. Calm down it's only a debate.
I work hard and bought and paid for two houses. I wear nice clothes and have a decent education, but my roots are in a working class background and I am proud to say that all I have I have obtained with no help other than that of my wife. I do not think that, that makes me a Tory. I have a sincere dread that some folks in this country are being left behind as an under-class by Mr. C and his toadies!! Look at your shoes mate... Mr.C will never walk a mile in your shoes and he would never ever consider you an equal. That is what is wrong with these Tories.
9K Uni fees??? talk about an education tax!! How much more proof do you need to see that these buggers don't want working class plebs to be educated...If knowledge is power then these chaps want us to be powerless. Socialism is the only way this country will survive. If we carry-on with private enterprise and the money grabbers we see in the City we will see a return to poverty for the workers, the like of which would make Charles Dickens weep!!

bimbim says...
11:28am Tue 28 Feb 12

toomush2drink wrote:
Sure the government send money abroad but surely that was better than blairs ridiculous idea to let everyone come and live here at our expense ? Not sure where the middle class thing has come into the debate, why are you going on about that ? Im working class through and through not in any doubt about that. Labour inherited a pretty strong economy from the conservatives and then pretty much stuffed it up through the endless spending without thought.If they had run a company they would be in major legal trouble just on the fiddling of the books that has been uncovered.Nobody knew the full extent of how bad the economy was because the labour government didnt want us to know the truth. I agree we shouldnt be sending money overseas when there are far more pressing things at home to sort out but then again the labour policy of forcing multiculturalism upon us is more of a reason to wear your nationalism with pride.
you wrote: "Sure the government sends money abroad but surely that was better than blairs ridiculous idea to let everyone come and live here at our expense?
I replied: "Mr Cameron has done nothing yet about immigrants coming into the country so "lets watch that space". In the news today Tues 28th Feb: headlines "Foreign nationals are to get free HIV treatment on the NHS under plans backed by the government" Say no more

Jachin says...
12:43pm Tue 28 Feb 12

Another Muslim paedophile gang, and yet nothing gets covered on the TV? News black-out again to stop us seeing what these people are doing. Why do we allow them to go un-reported?

Jachin says...
9:15am Wed 29 Feb 12

toomush2drink wrote:
rw4732 wrote:
If this government was not making such drastic cuts in all spending and did more to support growth of the ecnomy then things would not be so bad and people would not be living in poverty, I would say that some people brought thier I phones etc.. when in work, is it now being suggested that because you no longer have a job you cannot have a i phone or blackberry which could help you find another job and get out of poverty, there is no confidence in our ecnomy, because people who are still working are afraid to spend or invest in case they are next out of work, get growth back, get confidence back and people will have wrk and not be in poverty!
If they dont have the cuts the country goes even further into debt.More debt isnt going to get the country moving is it, take a look at greece ?
The fact people are saving is a good thing after years of "have the lifestyle you want at any cost, just borrow it" type thinking.

Its payback time, a fact you cannot get away from like it or not.

I notice you didnt address any of the other very valid points in my post only about the phones.

It is actually a very good time for growth as shares are low and any business that starts in this environment and survives the next couple of years should really prosper when times are good.
Payback!!
What a wonderful Christian attitude towards a nurse who after 30 years has to lose her job due to hospital closure or the police officer that stood on your streets to protect your home!!
Aids in Africa.... free HIV treatment here on the NHS!?
Sorry folks it's payback time for the life style you chose!!
What about the chap that worked for 40 years and rose to a good position in his organisation. Never went sick saved his money and then due to cut backs is reduced to the indignity of the dole office.
We now see that Mr. C wants the same chap to stack shelves to gain job experience!! What!! after 40 years in work!! This is just a ploy to get folks of the dole register! What about folks getting that same experience for a decent wage?
This chap has a wive that works and earns a decent wage, so the man connact claim any benefit at all and has to ask his wife for bus fair to the dole office as he cannot afford to run the car anymore. But his wife still has to pay full tax and even when she retires the Gov. pension will be split between them as a married couple!! Does this Government suggest we all live in sin so we can claim everything. The fact is that most folks are decent and play fair, but they are hit with the same blanket attitude!! I love my country yet am fast looking at moving abroad if things continue. You talk about folks having two holidays etc well I went without a car so that I could go on holiday, are you saying that folks go without bread to pay their way? I think we have come full circle and can see why folks are having to make stark choices under the Tory scum!!

toomush2drink says...
8:04pm Thu 1 Mar 12

Im not a christian so that would explain the non christian attitude.
So about this guy who worked for forty years and saved up, 40 years of compound interest soon adds up if its invested wisely (requires some financial education) but he has to ask his wife for bus fare ? Make up your mind did he save up or not ?
Btw those whom are unemployed get half price bus and tram travel with something given to them by the job center called a bt pass.
Yet again you swerve my point that better financial education is needed.Ive mentioned it several times yet all you do is bang on about the tories doing this or that.

It wasnt the tories who created the countries financial situation something you seem to massively miss,the economy they inherited from the tories was pretty good so what went wrong ?

Who took us to war, weapons of mass destruction anyone ? Oh that was blair too wasnt it, and we all know wars arent cheap.
Let not even mention mrs blair and her beloved human rights.

The bottom line is whoever came into power would have had to make cuts because of the mess they have to sort out.

Where is all this money to come from to pay these wages you talk of ?
Perhaps we could have another costly quango, ooops forgot thats a labour thing too.

bimbim says...
2:35pm Mon 5 Mar 12

toomush2drink wrote:
Im not a christian so that would explain the non christian attitude. So about this guy who worked for forty years and saved up, 40 years of compound interest soon adds up if its invested wisely (requires some financial education) but he has to ask his wife for bus fare ? Make up your mind did he save up or not ? Btw those whom are unemployed get half price bus and tram travel with something given to them by the job center called a bt pass. Yet again you swerve my point that better financial education is needed.Ive mentioned it several times yet all you do is bang on about the tories doing this or that. It wasnt the tories who created the countries financial situation something you seem to massively miss,the economy they inherited from the tories was pretty good so what went wrong ? Who took us to war, weapons of mass destruction anyone ? Oh that was blair too wasnt it, and we all know wars arent cheap. Let not even mention mrs blair and her beloved human rights. The bottom line is whoever came into power would have had to make cuts because of the mess they have to sort out. Where is all this money to come from to pay these wages you talk of ? Perhaps we could have another costly quango, ooops forgot thats a labour thing too.
You seem to forget that there was a world recession which caused a lot of Britain’s economy downturn in 2007/2008. You know the old saying “America sneezes and the whole world catches a cold” even Japan’s economy suffered. I certainly didn’t approve of going to war with Iraq, but didn’t Mr C promise to withdraw the troops within one year of being in power. What’s happened to that? Whilst I didn’t like everything that Labour did, I can’t see that Mr C is doing any better. I certainly don’t think that putting millions on the dole will help the economy, and no-one should have to suffer that indignity to help pay back the deficit. Perhaps you should resign from your public sector job to help Mr C pay back the economy, may be you’ll get an OBE at the end of it , and don’t forget he is giving our money left right and centre to the rest of the world. India, Pakistan, Somalia, Argentina, Turkey and many many more. Also only last week the government agreed to give foreign nationals free HIV treatment on the NHS. Wouldn’t it be better and to save our money, if these foreign nationals were tested for Aids and HIV before entering Britain? A friend of mine who went to work in Australia for 2 years first had to take an HIV test, if she had shown to be positive she would not have been allowed to enter Australia to take up the job. I can see the whole world coming here now to get free HIV treatment. What a burden on the NHS that will be. As for your other comment about “the Tories had left the economy in a pretty good state” why then was labour voted in with such a vast majority? I remember high unemployment and two recessions under the Thatcher and Major government.

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