Spending 68% of my salary on rent!! :( How can i get it lower??

mel19632

I live within one mile of you in Chertsey and instead of paying these £3-£4 a pint I just go to Wetherspoons like any normal person. This saves me £9 a week and thus allows me to get my hair cut four times a month.

(at the moment RSVP in Woking is £1 a pint on Fridays!)

Enfieldian

KimYeovil wrote: »

I didn't realise the recruitment crisis in the police force was this bad.

My thoughts exactly.

Common sense is still a pre-requisite, AFAIK, so that rules out the OP.

Angel89_2

:rotfl:

Ok in response to the comments above-


1stly theres no such thing as a landlord being able to ask you to ''quit''. :rotfl:
To quit what?? lol

The 1 and ONLY thing that he is able to do is politely ask me to evacuate the property in 1month.

And like ive said i extremely doubt that a landlord who already is losing £700+ per month by having 1 empty flat and is strugglong to find any tenants for that flat would choose to also make the one nextdoor to it empty,
and so be losing £1,400+ every month and have double the struggle to find tenants...,
all because a tenant had sent him an email saying that they would like to renew tenancy for another year and offering him the full asking price (but had worded the email in 'not a rude or offensive way at all', but had used wording style 'that they wanted to make it clear to him that they knew the financial situation that he would be in by having empty flats in this economy') :rotfl:


But we shall know by tomorrow afternoon how much he cares about losing £700+ per month! :rolleyes:




In relation to my alcohol spending, i dont sit down my local pub everyday slurbing a £4 pint of beer!! :rotfl::p

I know that im a heavy drinker and so it will be expensive, and so to cut cost i just buy a mid size bottle of white rum or amber-whiskey from tescos for £5.09, and providing im moderate in drinking that will last me 3days.

And when i do go out clubbing i do it on saturdays and go to staines, where its 10beers for £7, so i can have a whole night out + kebab/chips for just £25.




And in regards to me not paying tax for 1year due to my income coming soley from trading through an SB firm...

Pardon my lack of upto the hour political news, but when did the poster who said 'its taxable if its your sole income' take over the role of the chancellor?? :huh::rotfl::D:rolleyes:


The government could try tracking down every trading account that ive had with each of the various firms ive used,
(although they will have alot of difficulty as SBs are extremely secretive and many of the accounts i naturally held in fake names for security reasons),
however they would then have to go through the 10,000s of trades that i made over the last year, (and then also for the 6months before i went fulltime), and itemise every single trade that i made to calculate how much i paid in comission overall/how much money i lost on trades (since that would all be tax deductable as it was 'business operating expenses'.


And then they really fun part would come when they would have to try taking me to court and actually proving that i committed any criminal offences at all as per 'avoiding tax'. :rolleyes:


I did the good old A-level law so ive seen my fair share of really wooly fluffed up strings of sentences all meshed together and then tied into a big knot, which is then passed off as legislation and becomes law.....,
But the way the government have done this one really takes the biscuit! :T
(They know they cant legally tax anyone on SB income, but so they have just tried to make the wording of the legislation so ridiculosu incomphrensive and confusing in the hope that it will confuse people enough into scaring them which will lead to them decaring and paying tax on money that they legally dont have to if they dont want to).


Straight from the horses mouth-
http://www.hmrc.gov.uk/manuals/bimmanual/BIM22020.htm
To be taxable, the spread betting wins must come not merely from an opportunity presented by a trade, they must arise from the carrying on of that trade.


They would be laughed out of court if they every tried taking someone to court claiming that they should have paid tax on the SB profits and heres the legislation that says it,
since the current present case precedent, combined with the lack of case precedents,
added to by the fact that on every SB firms website they say in huge letters 'All profits are tax free', and these statements are all approved and acredited by the FSA to be good and true (with the only clause being that they have to mention that the law can chnage at anytime in the future).


The law says that 'to be taxed my profit cant just be money that i made by seeing a good trade opportunity and taking it', but that i have to have then 'carried on that trade'.

(That alone makes absolutely no sense to anyone who knows anything about trading, since 1stly the phrase they use of ''opportunity presented by a trade'' is just jibberish and could only be in context if a man called mr trade knocks on your door and says ive got an opportunity for you!) LOL

Since until the time after opportunity has been identified by and the trade has been executed, the trade just doesn'y yet exist. So it ddoesnt even make sense a trade presenting you anything, since a trade is simply just a transaction of buying or selling the contracts.



But if it did somehow go to court 1day i could argue that the stockmarket is merely just a series of constant opportunities occuring and besing presented every second,
since the markets values only move on charts because people out there have been making 'bets' on it as they see that trade as an opportunity to make money, and so their trade execution moves the market's valuation.

So theres never been a trade that i made where i didnt ''have an opportunity presented to me by the market'', so ive never made a trade that could be classed as taxable. :cool:
(its physically impossible to actually do so, and prove you have done so, since you would have to 'not have an opportunity but just make the trade anyways as a wild gamble, and unless you admitted to having done that wihout beileving it was an opportunity then thees no way they could prove otherwise.) lol


And to ''carry on a trade'', the only way that that could be interpretted would either be to 'keep holding the trade open instead of cashing it in even after you believed the opportunity of making money on that trade had passed''.
Which again is just nonsense, since why would anyone keep holding a trade if they didnt believe there was an opportunity stilll to make more money from it. lol

Or you coud distinguish 'carry it on' (and this is what the law actually means applies to),
that after having made that trade and cashed it in your then 'carried on' and went and wrote a book about that trade.

(Since you would then have to pay tax on sales of that book even though it only exists due to the trade). :rolleyes::A

Castleman

Angel89 wrote: »

i emailed him just now.

However ive been smart

Ummm, not so sure you have! Sorry!

mlz1413

Angel you may know how to look after yourself as I'm guessing being homeless between 11 and 14 means you have no family support. Also I guess that alcohol, sky and haircuts probably make you feel good and so are very hard to give up.

You also have done well to be able to get employment and a flat with a obvious hard start in life.

BUT being able to look after yourself does not mean you know how to treat others. At the start of this thread you asked for advise on cutting your rent, you have been constantly told to cut the 3 luxuries and look for somewhere cheaper to live. But you have constantly posted back that the LL would be a moron not to accept your aggresively worded reduce my rent or else offer.

So good luck, maybe your LL is so desperate that he is over a barrel and will accept your 'offer' I get the feeling if he does you will gloat and be even more 'righteous' than currently.

But believe me with your current attitude you will struggle to get work, I know for a fact I would never employ you. Your attitude would upset every one else in the company and your the type that if you don't make MD in a year you will think you have been shafted.

I'm sure you will read this post and be ready to post back about how wrong I am but in another 10 to 20 years you will look back and see that things could be done differently.

Good luck with your life path, try and learn to listen and take on board advice when offered - you don't have to follow it but it may help you see why others cannot see your side of things.

Welshwoofs

bitsandpieces wrote: »

It is copyright infringement, though I'm not sure there have been criminal prosecutions for this in the UK? Always a first - of course - and given that you can get lots of films on freeview, free/cheap DVDs from lovefilm etc., I certainly wouldn't take the risk. And I've got no plans to join the police.

Criminal prosecutions - not that I'm aware of, but civil action yes. What happens these days is that they tend to present your ISP with an order to give your account details (ISP often responds by terminating your account to get the problem off their doorstep). They'll then slap a demand on you to settle for £x or be taken to court. Some of the big games manufacturers got together and issued around 25,000 such demands on people who were illegally downloading last year.

I work for an Internet service and we've had these copyright agencies chasing kids who stream Internet radio without licences and download MP3s. In my past employment with an ISP we've also had to release staff who were caught downloading copyrighted material when agencies have alerted us.

The Op is being very devil-may-care about this - just because it's not reported in the press every day does not mean it isn't happening. It is. A lot. What he obviously doesn't realise is that these copyright agencies have ploys such as setting up 'honeypot' servers where people don't realise they're actually downloading from an official entity and not Joe Blow on his backroom PC. They also 'tag' material.

Of course I don't expect the Op to take any of that on board, what with him having an A Level in law...

Of course, if Angel had been watching anything that breached the UK's (pretty strict) decency laws on their laptop - or has accidentally downloaded anything inappropriate in the course of viewing illegal films etc :eek: - that might be more of an issue if it ever got noticed... Not saying that Angel has been doing this, of course.

Well that's another thing - it's extremely easy to stray on the wrong side of the law in that direction....especially if the naughty film one downloads turns out to involve a girl under the age of 18.

Op - there really doesn't seem to be anything that anyone can tell you. You seem to know it all and your A level in law has apparently equipped you with the knowledge to battle against tax-evasion and illegal downloading. All I can add is what someone else up this thread has said....with the attitude you're displaying about life and law you may find it difficult to secure good long-term employment. I recruit regularly and I can tell you for a fact that if I interviewed you with the attitude you've displayed here, I wouldn't hire you because I'd worry that you wouldn't take instruction and would create problems down the line. I also don't think the police force is a good career choice for you as your grasp of what's acceptable and what's not seems to be rather tenuous!

You're a very young chap who has a lot of drive, but I really hope you wise up a little and realise that other people have useful advice and you don't actually know everything.

Pee

I haven't read the other posts, but that rent does not seem excessive for the area. Your options would be

a) move to a cheaper area - you may have increased travel costs
b) move into a shared house

If you do not like either of those two options, you are making a choice to live where you are, so appreciate that it is a choice and enjoy your space in your nice area.

FuzzyMoose

Angel89 wrote: »

And in relation to me and tax,
im sorry if it angers people but i just dont have any endearing feelings towards wasting my money on tax, and so dont think very highly or tax at all. :rolleyes:

Im not actually even 'rebellious' about it, i just simply had no interest in wasting my money when i could instead 'not'.


My stance was that ''The tax many leaves me alone and i him alone''. :beer:
Worked totally fine, i didnt give him any problems or hassle him about stuff, and kept all my money securely in my own control held in the 'real offshore' accounts.

And he left me alone, didnt give me any annoyance or pester me to give away money that i earnt, and just didnt have involvement with me.

So you never use the have your bins emptied? You have never used (and hopefully won't have to use) the ambulance service or fire brigade?

You plan to be a police officer... who the h3ll do you think pays their salary?

Fact is you are a tax dodger - no one likes paying tax BUT people like you put more of a burden on the rest of us who do.

Personally I hope you don't manage to become a police officer - you seem to have a very lax attitude towards obeying the law!

missile

You scammed on tax for three years, whilst a student and joe public subsidised you.
Now you are living beyond your means and want the landlord to subsidise your lifestyle.

Get real, get a proper job and live within your means and stop whinging on internet forum

myothercarisaferrari

:rotfl::rotfl::rotfl::rotfl: