Out for thai meal tonight in bath 👍👍👍

[Countryboy]

you have to earn it to spend it Jon

[TimberCutterDartmoor]

There are two types of no money;

 

1) Where household income is iro £100k p/a, House #2 is provided but expensive to run and house #1 is rented out covering it's mortgage and maybe a little extra. Said income from Wife as school headmistress and husband in administrative job. They eat the fat of the land, have a car each, eat out, take holidays, have limited debts, give to charity etc etc. But when they are shopping in Waitrose they choose the budget Tomatoes over the Organic ones because they "can't afford them". Then the Wife asks her Mum for £400 to pay for some new curtains in the Dining room. Type #2 can't understand this scenario.

 

2) A Forestry Contractor. Has £2k outgoings a month on middle aged machinery finance and cashflow is right on the limit of funding this so no income whatsoever; even robbing Peter to Paul atleast 50% of the year as circumstances dictate. Wife earns which pays the mortgage, council tax, water, gas, electric, one car, food, insurance, phone line, household essentials, possibly able to afford to replace worn out carpet in one room of the house per year (£210 fitted but it's a big knock to the float). AKA working paycheck to paycheck. Holidays, indulgences - I don't think so.

 

Both perceive that they have no money. Example 2 Contractor is owed a lot of money, given spurious reasons as to non-payment; gets behind and defaults on a few commitments. Wife can't bail the business out of nothing and has ongoing medical issues to think about. It gets to the point where they are borderline about to go to the foodbank. Yet people think they are loaded because their ageing car is atleast washed and the man has a couple of forest machines.

 

Then there's a lad in Nosy Be, Madagascar who earns $1 per annum!

[mendiplogs]

There are two types of no money;

 

1) Where household income is iro £100k p/a, House #2 is provided but expensive to run and house #1 is rented out covering it's mortgage and maybe a little extra. Said income from Wife as school headmistress and husband in administrative job. They eat the fat of the land, have a car each, eat out, take holidays, have limited debts, give to charity etc etc. But when they are shopping in Waitrose they choose the budget Tomatoes over the Organic ones because they "can't afford them". Then the Wife asks her Mum for £400 to pay for some new curtains in the Dining room. Type #2 can't understand this scenario.

 

2) A Forestry Contractor. Has £2k outgoings a month on middle aged machinery finance and cashflow is right on the limit of funding this so no income whatsoever; even robbing Peter to Paul atleast 50% of the year as circumstances dictate. Wife earns which pays the mortgage, council tax, water, gas, electric, one car, food, insurance, phone line, household essentials, possibly able to afford to replace worn out carpet in one room of the house per year (£210 fitted but it's a big knock to the float). AKA working paycheck to paycheck. Holidays, indulgences - I don't think so.

 

Both perceive that they have no money. Example 2 Contractor is owed a lot of money, given spurious reasons as to non-payment; gets behind and defaults on a few commitments. Wife can't bail the business out of nothing and has ongoing medical issues to think about. It gets to the point where they are borderline about to go to the foodbank. Yet people think they are loaded because their ageing car is atleast washed and the man has a couple of forest machines.

 

Then there's a lad in Nosy Be, Madagascar who earns $1 per annum!

 

Hi JOHN I LIKE way put it mate 👍👍❤️❤️Thanks Jon