Off Topic The cost of living

I think the cost of living crisis is more about the rates of inflation on household items like fuel, heating, food etc.

 

I had a very firm debate with my wife and sister on this a few years back that the internet isn't an essential item but in schools now it basically is in order to do assignments and homework. I've come around to the fact it probably is an essential utility. It's also not hugely expensive.

 

I know what it's based on, I'm just saying it's not exactly stopping the vast majority of people from carrying on as they were.... If the media didn't ram it down everyone's throats, would it be seen anyway near as bad it is?.... I'm almost certain it wouldn't be.

 

Electricity shouldnt be allowed to make profit on
Same with water and food

Essentialls to human living in 21st century

 

I'm often surprised at the amounts some people spend on things like phones and cars, and how easily they get sucked in to an expensive 'bargain'. I buy socks less often than some people I know buy kitchens.

I look for what for me are the 'essential' requirements of a product like a phone or a car, and then look for the lowest cost/best value option, and then usually run it until it doesn't work anymore.

At school, when her friends were parading the latest designer stuff, my daughter took great pride in showing them the more usable version she'd got from a charity shop for a fraction of the price, meaning she had plenty left over for 'living'.

 

I think it's all about priorities, going back to the original thing of can you live on 40,000, does a first time buyer need a house on Kingswood at 250,000 plus or could they take the first step onto the property ladder at 100,000 ish.

 

Agree why go for the mist expensive .
I sent my daughter 2 scenarios this morning about paying for a car at £300 per month over 30 years on PCP .
THE other scenario was get one for £200 and put the other £100 into a decent trust .
The first one ends up with £0

 

i reckon any house that was built before anyone alive today was alive ie, 100 years old and more
then they should be raffled off

as the resources and man power that built it cant benefit from it now
seems fair

and no profiting from healthcare, electricity

sorted

 

Any cost of living crisis bites those with the least disposable income the hardest, that's not necessarily the first time buyer on 40K, I think it hit middle aged middle income people hard this time with the interest rates on large mortgages, and all ages renting, a lot of pensioners with low spend coming away with an 8.5% rise may find themselves better off.

 

But they seem to want to, which is why they can't get set off.

 

Another option is to do what someone I know did. Crack a good deal on the payments, drive it for a year or so, and then, assuming you know someone who can cover the cost temporarily, buy it outright before the deal's up for what should be less than market value,and then sell it privately for what should be a decent profit even after paying the lump back, as long as you ignore the payments made. Still cheaper than getting a loan.
I tend to buy cheap with a full MOT and run them until they drop. I'd have to find a PCP less than £20 a month to match what it generally costs me.

 

I meant to add constantly changing and keeping those same payments

 

And there's me grumbling about labour going to add VAT to Tranby tuition fees!

 

eton not your fancy?

 

Too expensive, I'm still from Ull

 

Repton?

 

Good food for thought for her.
But why PCP?Why is that the way to go?