The Most Important Document You Will Never Read....

wotsthat

grizzly1911 wrote: »

Yes if you only have £26000 you may live within it but do without a whole load of stuff that might make life worth living. Just because you move to £30000 may mean you have to buy a car and incur bigger comutting expenses that wipe out a large proportion of any benefit, for example..

It's silly to pretend that every £4k pay rise comes with an equal and opposite increase in spending need.

I'm afraid the answer is simple. If someone can manage on £26k and they get a £4k increase in income they could save it.

Graham's still not told us what his person, used to provide hard discussion data, would need to earn before they could save £4k.

wotsthat

Graham_Devon wrote: »

This appears to be a growing problem in most of the discussions on here. Hence why I have stated people seem to see it from thei own point of wealth.

It seems the only people suggesting it's all rather easier than others may suggest are those with wealth. I can't see anyone else suggesting it.

Get off your high horse.

Apart from the £30k/ £4k numbers used to demionstrate a point everything about our mythical person was developed by you. Why don't you want to talk about him anymore.

Why can't he save £4k when others can earn £26k and get by?

What income does he need before you think he can save £4k?

I know why you don't want to answer.

RenovationMan

wotsthat wrote: »

It's silly to pretend that every £4k pay rise comes with an equal and opposite increase in spending need.

I'm afraid the answer is simple. If someone can manage on £26k and they get a £4k increase in income they could save it.

Graham's still not told us what his person, used to provide hard discussion data, would need to earn before they could save £4k.

Yes, in the 'bear' world of fantasy someone who gets a pay rise instantly buys a 4 bed detached executive home, a BMW 3 series, starts going on holidays to the Maldives and buys Camel coats.

It's humourous to watch these guys come up with increasingly unlikely scanarios and often bizarre arguments to protect their bear memes. They have religious faith in their bear beliefs and stick to them regardless of the logic your throw at them. They're fanatics and apart from the fact you can have a jolly good time wrapping them in knots, there is little point arguing with them. You might as well try to convince the pope that God doesn't exist than persuade a bear that one of his memes doesn't hold water. Fanatical. :rotfl:

RenovationMan

wotsthat wrote: »

Get off your high horse.

Apart from the £30k/ £4k numbers used to demionstrate a point everything about our mythical person was developed by you. Why don't you want to talk about him anymore.

Why can't he save £4k when others can earn £26k and get by?

What income does he need before you think he can save £4k?

I know why you don't want to answer.

I love the lack of logic behind Graham's argument here. He also refuses to comment when I ask if he thinks that us 'wealthy' people were born into it.

The reality is that we had the same low paid jobs when we started as he did, but somehow we still managed to contribute to a pension scheme as we worked through our careers and reached the 'giddy heights of riches' that we are now.

I can argue that people on low incomes can pay into a pension because I was on £12k in my first job and paid into a pension. My next job was £22k and I paid into a pension, the one after that was £30k and, lawks guvner, I paid into a pension. Goodness, I must be unique!

chucknorris

RenovationMan wrote: »

Yes, in the 'bear' world of fantasy someone who gets a pay rise instantly buys a 4 bed detached executive home, a BMW 3 series, starts going on holidays to the Maldives and buys Camel coats.

We are both what most people would consider to be reasonably high earners, yet we only spend about the gross equivalent of about 12k each. At the moment we just save/invest the rest, we don't actually spend it, we just don't have expensive tastes, e.g. our favourite pastime is taking our dog for a walk or bike ride in the countryside.

Graham_Devon

wotsthat wrote: »

Why can't he save £4k when others can earn £26k and get by?

This has already been answered. You appear unable (though I would think it's more unwilling) to look outside of the box. Yo uare so fixated on trying to prove my initial numbers wrong that you are making a complete tool out of yourself....witnessed by your growing irritation towards many on this thread!

wotsthat

Graham_Devon wrote: »

This has already been answered. You appear unable (though I would think it's more unwilling) to look outside of the box. Yo uare so fixated on trying to prove my initial numbers wrong that you are making a complete tool out of yourself....witnessed by your growing irritation towards many on this thread!

Yes, answered by me - if someone can get by on £26k and they get a £4k pay rise they could save it. You've avoided answering and the only other attempt was to suggest that the £4k would disappear in new essential spending.

Almost everyone could, if they wanted to, save more. Just how many people in the UK do you think have absolutely no discretionary spending power?

Graham_Devon

wotsthat wrote: »

Yes, answered by me - if someone can get by on £26k and they get a £4k pay rise they could save it. You've avoided answering and the only other attempt was to suggest that the £4k would disappear in new essential spending.

Almost everyone could, if they wanted to, save more. Just how many people in the UK do you think have absolutely no discretionary spending power?

The pay rise is a new thing to this page, is it not? Your just inventing things as you go along. It's more la-la-land stuff. Who in general gets a 15% pay rise? I assume you are talking about changing jobs...but calling that a pay rise?

In all honesty. I have no idea where you are now with all this. You've jumped around and done the quick step in harmony with renoman, but all you have provided is yet more fairyland suggestions and "what if's"

I'm not saying people don't change jobs or get pay rises, I'm just trying to bring you back down to the ground, and state to you, the people you keep creating are NOT normal folk. They are the exception. You appear to take this as a novelty and suggest everyone else has the issue and it's everyone elses problem they can't grasp what you suggest or state.

I've got nothing left to say to you as we can't move away from the fairyland stuff....so I'll just sit back and watch you dance eloquently with renoman from hereonin

wotsthat

Graham_Devon wrote: »

The pay rise is a new thing to this page, is it not? Your just inventing things as you go along. It's more la-la-land stuff. Who in general gets a 15% pay rise? I assume you are talking about changing jobs...but calling that a pay rise?

I think you might be squirming here Graham to avoid the point. I ask again - if someone is living within their means on £26k why couldn't they save £4k if they were on £30k?

Your pay rise comments are a further attempt to avoid giving the obvious answer.

Graham_Devon

wotsthat wrote: »

I think you might be squirming here Graham to avoid the point. I ask again - if someone is living within their means on £26k why couldn't they save £4k if they were on £30k?

Your pay rise comments are a further attempt to avoid giving the obvious answer.

I have never stated they couldn't say the 4k if they got a pay rise of 4k.

This is a brand new question - void of all reality, and pretty pointless. I'm not squirming, you are just asking la-la-land utterly pointles, void of reality questions.

I mean seriously - what gives?