Concerned about Government plans for social housing

ReadingTim

You are essentially asking for the taxpayer to fund your debt repayments rather than provide schools, hospitals etc, so you're not going to get too much sympathy from many people I'm afraid.

The fact is that there is a limited pot of money, and it's been allocated to those whose need is greater than yours. I appreciate this is a bitter pill to swallow, but that's the reality of it. What services would you cut so you can have a bit more money in your pocket and buy your own house?

suki1964

When I said I worked hard, my first studio rent was nearly half my salery and the dreaded council tax ,bills etc left me with just £40 a month to live on, so I took on 2 part time jobs. Same when I got transferred to a 1 bedroom flat, had to have a part time job on top of a 39 hr week with 3 hrs commute a day

DH worked 70 hrs a week for years. We had no holidays, new clothes new anything. We weren't "entitled" to any help whatsoever, no HB,no CTC, not even CB ( his wife got that) We had our bills , rent and rates to pay every month and still managed to leave social housing after 5 years hard graft

I still remember to this day coming out of currys red faced with embarrassment after not passing a credit rating to buy a washing machine, for 8 years I trundled the mile to the launderette with the granny trolley of laundry every Sunday morning

The new system may not even effect you. It will only put you in jeopardy because you have debts. Surely those debts are not the fault of the governments , surely they are the fault of your own making

Have you posted a SOA ? If these changes are going to effect you, you really need to get tough with out goings now

fusionx212

Tim why was it ok for sukhi1964 and the other generation before me to do this method.
Lets start by Cutting the 53 million a week that goes to the eu or the 11% pay rise to mp's or the
deficit left by irresponsible banking and lending, that caused the massive black hole in the uks economy,

i've not asked for handouts I am not entitled to them, there's millions of people doing the same these changes do not encourage people to better them selves in social house but discourages work progression etc.

I haven't asked for anyone to shoulder my debts as I say I'm trying to become debt free,

you're on a debt forum I assume you may have had some of the same trouble as me in the past.

taking a blind opinion of you don't deserve this stance will not help any other person in the same situation as my self. I wanted to get a feel for how people are feeling about this, how many other people in this forum are in a council house or a housing association house.

fusionx212

Ok looking back through the posts I feel this is a little hostile. So I am going to return it to a calmer state
Everyone has debts, everyone wants the best deal for them,

I am a younger generation and have always been raised in social housing.

a lot of older people had more opportunity to buy or make use of social housing when they sold a lot of council properties at cheaper rates. I am suffering due to those decisions from decades ago as lots were bought by landlords who inflate the prices. so a fair market rate has already been manipulated.

I'll leave it at that but I would assume alot of people are having the same concern as my self.

suki1964

fusionx212 wrote: »

Ok looking back through the posts I feel this is a little hostile. So I am going to return it to a calmer state
Everyone has debts, everyone wants the best deal for them,

I am a younger generation and have always been raised in social housing.

a lot of older people had more opportunity to buy or make use of social housing when they sold a lot of council properties at cheaper rates. I am suffering due to those decisions from decades ago as lots were bought by landlords who inflate the prices. so a fair market rate has already been manipulated.

I'll leave it at that but I would assume alot of people are having the same concern as my self.

HA housing wasn't allowed to be sold back in the 90's so no I never benefitted from that

Interest rates for our mortgage were over 10%, not the 1 or 2 they have been the past 5 years or more

Inflation was HIGH

My own retired parents had to return to work at the end of the 80' s when inflation and mortgage interest went so high they nearly went bust

I grew up in the 60/70's so am of a social housing background. Everyone we knew lived in social housing. No one had a pot to pee in. You were fed what was available, or you went hungry. If people could afford a car, it was an old banger which the men spent Sunday's working on to get it through another week

But the one thing we didn't have was credit, nor were we born with the idea of entitlement. Clothes were second hand, jumble sales, hand me downs. New toys were birthdays. A day trip was out to a pick your own with a picnic lunch and a bottle of squash. A holiday was a week in a friends caravan with nan and grand dad as well to share the cost

That's how we were brought up, with the hard work ethic and knowing you get nothing for nothing in this world

I don't have debt I haven't had debt in over 25 years, and the small amount of debt I had back then was before I worked out £40 a month wasn't enough to live on if I wanted the life I wanted. I'm on these boards to ensure I can live a life within my means, and believe you me, our joint income would not be even half of yours

PasturesNew

suki1964 wrote: »

I grew up in the 60/70's so am of a social housing background. Everyone we knew lived in social housing. No one had a pot to pee in. You were fed what was available, or you went hungry. If people could afford a car, it was an old banger which the men spent Sunday's working on to get it through another week

We had a car, cost dad £40 - and I remember him spraying it using an attachment on the vacuum cleaner.

Mum also worked, she said it was to pay for our annual holiday caravan and pay for food/clothes.

suki1964 wrote: »

Clothes were second hand, jumble sales, hand me downs. New toys were birthdays. A day trip was out to a pick your own with a picnic lunch and a bottle of squash. A holiday was a week in a friends caravan with nan and grand dad as well to share the cost

My clothes are still predominantly charity shop or 2nd hand - most of it ill-fitting as I'm an unusual height/size/shape etc.... but if it "roughly fits" and costs about £2 I'll have it

Birthday parties were a small cake, sandwiches, biscuits and squash in your house.

No theme parks, or attractions, type of day trips. You had the annual caravan holiday (no telly, no electricity, chemical loo in a field) and, if possible, a day trip or two per year to the nearest beach (60 miles).

As for the OP, you might not realise it as you're comparing yourself to richer people .... but your income is "quite huge" compared to most people's. Some might even consider the phrase "rolling in it".

fusionx212

I worked hard to achieve where I am today, my salary is fairly recent as well due to job changing.
By about 10k

I do not receive any benefit or discount of any kind. it seems a lot of older people have this pre judged view of how easy things are now for us youngsters.

I'm still dealing with the same issues you had.

my salary is actually market rate for most in my area who have university degrees, I do not I am %100 self taught. I posted the numbers for the sake of honesty in the topic and how this affects my self but also others who are going to be hit by this.

I feel a lot of the topic is being taken away due to my honesty

the average UK salary is 26k a year. most families earn with 2 adults paying in that's 50k.
Just take a second to think about this how many families are going to be hit by this..

I am far from "rolling in it"

most have lived in social housing, would you be happy if you were forced out.

I appreciate it may not affect me ( I don't know) . I am concerned about it affecting others also and I can see a wave of people coming here to say rent has put me in debt etc.


i'd make a suggestion read up on how it's going to hit people.

https://you.38degrees.org.uk/petitions/increase-the-threshold-for-pay-to-stay

http://www.placeshapers.org/placeshapers-response-to-dclg-consultation-pay-to-stay-fairer-rents-in-social-housing/

Jagraf

Do you also have the uni fees to find? Being at uni full time is a luxury tbh could she work and study (I did all my qualifications at night - postgrad included). If you had two incomes you could just move into private rental anyway.

suki1964

Average salery means nothing tbh. Over here in Northern Ireland the "average" salery is just under £22k

However as a market researcher I find most families living in social housing to be on a total income of less then £20k, indeed those on benefits only on a hell of a lot less

Now DH, he's earning 50% more then his peers yet he is still earning 60% less then he was earring 16 months ago

I can easily earn less then NLW as I'm paid per job, not hours, and if that job takes twice as long as it's been priced at, I lose

So we both earn combined, a lot less then you do and yet through hard work, paying for what we needed as we could afford it, managed to get ourselves out of social housing without resorting to bank of mum and dad,nor racking up so much debt, that a mortgage increase would have put us under ( in your case rent increase)

Your possible rent increase is going to happen to millions when the mortgage rates go up. Those that are not overstretched will get by, those juggling debt may go under. Why are you such a special case?

fusionx212

Hi Jag, she's full time studying midwifery, no one realisticly could do that course and work . her course is government funded but I pay all costs like travel to uni and placements,
once qualified we can look at buying etc as she will have a salary, as I said before it's all just concern at the moment. regardless of people's perception of me.