We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

1 mortgage, 2 babies, 3 years to be MF, 4 goodness sake!- weezl's diary

Options
14749515253

Comments

  • Floxxie
    Floxxie Posts: 2,853 Forumite
    Part of the Furniture 1,000 Posts Photogenic Combo Breaker
    Well after having a quick look at what is considered the poverty line; I can declare that we are way below it and I guess a lot of people are.


    http://www.cpag.org.uk/povertyfacts/index.htm

    The poverty line used here is 60% of the median UK income after housing costs have been paid. Below this amount, a household is described as living in income poverty. The poverty line is adjusted to take into account how expenditure needs differ between types of households.
    UK poverty line for a range of households, 2007/08


    UK poverty line for a range of households, 2007/08 Household type
    Poverty line: Household income, £ per week
    Single person
    £115
    Couple
    £199
    Lone parent with two children (aged 5 and 14)
    £239
    Couple with two children (aged 5 and 14)
    £322
    Mortgage start September 2015 £90000 MFiT #06
  • Hi Weezl - This is my first post on MSE but have been lurking on this thread for a little while (and reading back through '50p/day')
    I have found your challenges inspirational, your posts thought provoking to read and I too am hoping you write a book... thanks from a new mortgage-free wannabe :)
  • weezl74 wrote: »
    Hey fire fox I went looking for you else where earlier, I asked for your advice/consultation on Mark's thread on old-style :)

    :eek: eek no I'm not ready! Hiya TG :)


    Welcome back Weezl.....not enough time to look on all the boards:p Enjoy the next few weeks before the little bundle arrives!!
    MFiT - T2 # 64start date: 1.7.09 MFW end date: 31.10.17
    Start balance: £205,746.51 :eek: Month 18/100..paid 13.50%
    Current balance: £177,977.07 (updated 18.12.10)
    Target 12.12.12: From £194,000 to £140,000:p
    MFI-3 reductions: £16,023/£54,000 achieved (29.67%):j
  • Just catching up on the day and forgot to add part one of the two parter in case weezl got cold revolutionary feet!! I reacon this could be the start of a Weezaloution!!!!!:rotfl::rotfl::rotfl::rotfl::rotfl:
    weezl74 wrote: »

    Mortgage now at £64,800, when I met MSE in Oct 2007 it was £123,600
    :D:j


    I've been still being frugal, just a lot of it is very grocery challengish, and I sometimes feel that too much of that on a MFW board might be a bit off topic. But then I know I can't start a new diary/challenge on Old-style cos they all go on 'how much have you saved' now. And since Nykmedia's challenge is there, it seems a bit wrong to be there too, cos that challenge is fab and I don't want to detract! I'm torn!

    In brief I'll describe what I'm up to....

    I'm still very fascinated by the idea of subsistence living. I read quite a bit about it IRL. It is a very untrendy topic in Britain and the USA since approx the 50s.

    This is because wartime austerity prompted the governments to ask questions about how cheaply you could feed a family without incurring any long term health detriments.

    A lot of expert time and money went into this.

    My personal belief (controversy warning) is that if we in the UK had continued to be thoughtful at a top leadership/governmental about the meaning of subsistence then our overseas aid would not have been so immorally and embarrassingly ill-thought through in the 80s for example with Ethiopia.

    I'm aware these are strong words.

    I shall try to justify them.

    Bob geldof and Bono raised multi millions of pounds to 'feed the world' in 1985 :j:j:j Amazing achievement.

    And what did we do?

    We dropped food parcels from the sky by helicopter onto farmland in ethiopia. AFAIK we did this at a time when crucial sowing and irrigation for the next years crops definitely needed to be done-more than ever before.

    The ethiopian farmers had 2 choices. To listen for the sounds of planes all day, knowing that of the 50 families near you whose children were dying only one parcel would drop and spend your whole day waiting waiting and running for even a rumour of a whisper of a plane. But maybe you'd be lucky, it'd land on your farm, and your family would live.

    Or you could carry on sowing and irrigating while they died.

    Unsurprisingly, no-one farmed.

    And the next year the famine was worse than the year that sir Bob and Sir Bono had inspired us all to dig deep. But our government could not easily explain this to us, and Sirs Bob and Bono could no longer inspire us to dig deep because we now had compassion fatigue....


    pauses for some breakfast- Kester is hungry (ironic given what I'm posting about!) back in a min xxx
    Nerd no 109 Long haulers supporters DFW #1! Even in the darkest moments, love and hope are always possible.

  • Fire_Fox
    Fire_Fox Posts: 26,026 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Floxxie wrote: »
    Well after having a quick look at what is considered the poverty line; I can declare that we are way below it and I guess a lot of people are.
    http://www.cpag.org.uk/povertyfacts/index.htm

    The poverty line used here is 60% of the median UK income after housing costs have been paid. Below this amount, a household is described as living in income poverty. The poverty line is adjusted to take into account how expenditure needs differ between types of households.
    UK poverty line for a range of households, 2007/08

    UK poverty line for a range of households, 2007/08 Household type
    Poverty line: Household income, £ per week
    Single person
    £115

    Thank you for this, explains why I am scratching my head over how on earth it is possible to survive living alone on Jobseekers Allowance. I already know I will be comfortably in the 'fuel poverty' bracket ... luckily I have some savings, but not everyone in my shoes is so fortunate. :(
    Declutterbug-in-progress.⭐️⭐️⭐️ ⭐️⭐️
  • Memory_Girl
    Memory_Girl Posts: 4,957 Forumite
    Floxxie wrote: »
    Well after having a quick look at what is considered the poverty line; I can declare that we are way below it and I guess a lot of people are.


    http://www.cpag.org.uk/povertyfacts/index.htm

    The poverty line used here is 60% of the median UK income after housing costs have been paid. Below this amount, a household is described as living in income poverty. The poverty line is adjusted to take into account how expenditure needs differ between types of households.
    UK poverty line for a range of households, 2007/08



    UK poverty line for a range of households, 2007/08 Household type
    Poverty line: Household income, £ per week


    Single person
    £115


    Couple
    £199


    Lone parent with two children (aged 5 and 14)
    £239


    Couple with two children (aged 5 and 14)
    £322

    OMG!!! Well that explains the weekly juggle to keep our heads above water.

    But it is just a juggle - although a full time job to do so. Still I'm a great believer in cutting your cloth so to speak - and already this year I have salted away 3/1000 of my mortgage.(I've divided my mortgage into 1000 x £125 and am chipping away at each brick at a time)

    Please for an easy Feb and I aim to save more.

    Love the post Weezl - always do.

    Memorygirl
    FINALLY AND OFFICIALLY DEBT FREE
    Small Emergency Fund £500 / £500
    Pay off all Debts £10,000 / £10,000
    Grown Up Emergency Fund £6000 / £6000 :j
    Pension Provision £6688/£2376
  • mark55man
    mark55man Posts: 8,208 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Hey weezl - just to add my support to your opinions - provoking reading.

    My friend says "give a man to fish and you feed him for a day - teach a man to fish and you condemn him to fishing for the rest of his life"

    (PS - thanks for fighting my corner on my thread while I was out gallivanting yesterday evening after being stuck in front of the rugby all afternoon :T - have added some words of my own - but a bit late)
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • IlonaRN
    IlonaRN Posts: 1,029 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Floxxie wrote: »
    Well after having a quick look at what is considered the poverty line; I can declare that we are way below it and I guess a lot of people are.


    http://www.cpag.org.uk/povertyfacts/index.htm

    The poverty line used here is 60% of the median UK income after housing costs have been paid. Below this amount, a household is described as living in income poverty. The poverty line is adjusted to take into account how expenditure needs differ between types of households.
    UK poverty line for a range of households, 2007/08


    UK poverty line for a range of households, 2007/08 Household type
    Poverty line: Household income, £ per week
    Single person
    £115
    Couple
    £199
    Lone parent with two children (aged 5 and 14)
    £239
    Couple with two children (aged 5 and 14)
    £322
    Wow! Do you know if the housing costs include heating and electricity? Because if so, I'm really not that far above it, and I thought I have a reasonably well-paid job! Admittedly, I pay far too much for my rented flat, but I still thought I was doing ok, and not almost scraping the poverty line.

    I think the definition of poverty is all wrong. Obviously it keeps getting higher with rising wages, and I can see that while relatively people might feel worse off if they can't buy the latest mobile phone or a big tv, in reality I could live without either of these if I had to (and actually, I do, as these items aren't my priority!).
  • Welshlassie
    Welshlassie Posts: 1,731 Forumite
    Part of the Furniture Combo Breaker
    Wow!

    I've just spent the last week or so reading your thread. A truly inspirational person. I'm still trying to get DH fully on board with the whole MSE thing, and as he's the stay at home dad and cook, makes it quite difficult to implement by myself. I'm going to show him your post and new thread to see if I can get him more on board. I'd already told him about your 50p challenge but without reading it he decided you can't have any meat in your diet and it would be full of lentils and pulses, which he doesn't particularly like.

    I think your amnazing and will be following your threads closely.
  • weezl74 wrote: »



    So I’ve been asking for volunteer recipe testers and so far 15 lovely MSEers have stepped up to the plate. And I’m more grateful than I can say. Thanks:A. I hope there are more who might spare the time and the cash to test a frugal recipe. Let me know if you do.

    Wow, those were some great posts weezl, I think you hit the nail on the materialistic head.
    I would like to volunteer too! I love cooking new things and as long as I don't have to roast a pig's head I am on board! :)
    God is good, all the time
    Do something that scares you every day
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351K Banking & Borrowing
  • 253.1K Reduce Debt & Boost Income
  • 453.6K Spending & Discounts
  • 244K Work, Benefits & Business
  • 598.9K Mortgages, Homes & Bills
  • 176.9K Life & Family
  • 257.3K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.