Concerned about Government plans for social housing

andyfromotley

fusionx212 wrote: »

Thanks I am lucky. But in the same breath I work bloody hard.
Seems everyone gets a raw deal in the UK some more so than others.

See thats where we fundamentally differ.

We live in one of the richest countries in the world at the time of greatest riches in the history of mankind. The average bemefit recipient is in the top 2% of wealthiest people in the world (and yes that stat takes into account differing costs of living around the world.) We have free and universal healthcare and education which for all of its alleged faults puts the vast majority of the world to shame. We have political and social freedom and live in a rock solid liberal democracy.

If you cant make it with this as the background then its not the system, the govt, the evil banks or anything else. Its probably for the vast majority just bad luck or bad choices (and i have made more of them than most so i'm not putting myself on a pedastal or knocking others thats just the way i see it)

autumn2012_2

andyfromotley wrote: »

See thats where we fundamentally differ.

We live in one of the richest countries in the world at the time of greatest riches in the history of mankind. The average bemefit recipient is in the top 2% of wealthiest people in the world (and yes that stat takes into account differing costs of living around the world.) We have free and universal healthcare and education which for all of its alleged faults puts the vast majority of the world to shame. We have political and social freedom and live in a rock solid liberal democracy.

If you cant make it with this as the background then its not the system, the govt, the evil banks or anything else. Its probably for the vast majority just bad luck or bad choices (and i have made more of them than most so i'm not putting myself on a pedastal or knocking others thats just the way i see it)

The way I see it is in a rich country like this one - people shouldnt be left with no money, housing or food! Regardless of personal mistakes etc - people should have a basic right to such things if there ever comes a time when they are needed!

suki1964

autumn2012 wrote: »

The way I see it is in a rich country like this one - people shouldnt be left with no money, housing or food! Regardless of personal mistakes etc - people should have a basic right to such things if there ever comes a time when they are needed!

So you think it's ok to spend every penny you earn on lifestyle choices, then go borrow every penny you can to fund such lifestyle choices, then the tax payers bail you out ?

You know those same tax payers who save for a rainy day, don't live outside their means, put money aside to pay for their old age pension and possible care home requirements...

Starry1981

Hi, I've been trying to look up about this situation and not really found much, my sister works in an Ha within a London borough and myself and my family live in a 3 bed council house in another London borough she has said it will not affect those currently in social housing prior to around 2012 with the older tenancy agreements but anyone after this time with newer ones or new tenants it will affect I'm not sure if this right myself. My council website has nothing on this subject what so ever and I bet if I rung them and asked questions they would not have a clue tbh they never know anything really which does not help.

Anyway in all your opinions who is affected all those in Ha accomadation or just those in council properties or both? Does this affect those on Hb or those who are not or both?

My partner is a bus driver and I'm a stay at home mum for our 2 children we have a large age gap so before I fell pregnant with our 2nd we had come to the decision of no more children as I was looking for work but as that decision had been made another had been made for us (we was obviously delighted as through the years of quite a few miscarriages we wasn't thinking of our future at that point in time) my partner works his butt off so to speak as sometimes he may bring home only £350 a week if there has been no overtime worked as he cant do that all the time due to driving hours but if any of this does eventually affect us we're not sure what's going to happen to us bearing in mind our private rental for house like ours in our area is probably around £1500 a month and our council rent is £580 with a small top up of Hb.

The worry my partner has is it means he can't go a to another job with a higher pay as we may end up as poor as we are now basically even though when we all say £40000 is a lot in reality living in the area we are in it actually isn't obviously in the future higher rent will be doable as I'd be part/full time work and our eldest will hopefully have a part time job to possibly contribute a small amount (I want to do this to her to make her realise how important money is and how to manage money unlike my parents who never asked for anything from my part time job)

we always wanted to buy a house but even If input £40000 as our income on different mortgage calculators we are still short a massive amount to buy a house in our area which means we will never own our own property unless my dads passes and I get the inheritance he's left but I don't want to ever think about at all it was just something my dad said to me not long ago and tbh doubt we would be able to get a mortgage on the length we would need it for as it would go into out retirement age (we are both in our mid 30's)

Please no ripping me apart for anything I may of said its just everyone's lives past and present are all different the same as our opinions.

Thank you for any help on this one

Karonher

suki1964 wrote: »

So you think it's ok to spend every penny you earn on lifestyle choices, then go borrow every penny you can to fund such lifestyle choices, then the tax payers bail you out ?

You know those same tax payers who save for a rainy day, don't live outside their means, put money aside to pay for their old age pension and possible care home requirements...

A lot of people do think that. Anyone can make mistakes - I was in a better position than others in that I never borrowed more than I could afford to pay back - but it is a matter of choice.

If a bad choice is made I understand the need for people to be given a bit of leeway to sort it out but can never understand the idea that it is just OK to not pay back.

Someone somewhere pays and it is never the top bankers that many people seem to claim they are spiting by not paying their debts.

fusionx212

Starry1981 wrote: »

Hi, I've been trying to look up about this situation and not really found much, my sister works in an Ha within a London borough and myself and my family live in a 3 bed council house in another London borough she has said it will not affect those currently in social housing prior to around 2012 with the older tenancy agreements but anyone after this time with newer ones or new tenants it will affect I'm not sure if this right myself. My council website has nothing on this subject what so ever and I bet if I rung them and asked questions they would not have a clue tbh they never know anything really which does not help.

Anyway in all your opinions who is affected all those in Ha accomadation or just those in council properties or both? Does this affect those on Hb or those who are not or both?

My partner is a bus driver and I'm a stay at home mum for our 2 children we have a large age gap so before I fell pregnant with our 2nd we had come to the decision of no more children as I was looking for work but as that decision had been made another had been made for us (we was obviously delighted as through the years of quite a few miscarriages we wasn't thinking of our future at that point in time) my partner works his butt off so to speak as sometimes he may bring home only £350 a week if there has been no overtime worked as he cant do that all the time due to driving hours but if any of this does eventually affect us we're not sure what's going to happen to us bearing in mind our private rental for house like ours in our area is probably around £1500 a month and our council rent is £580 with a small top up of Hb.

The worry my partner has is it means he can't go a to another job with a higher pay as we may end up as poor as we are now basically even though when we all say £40000 is a lot in reality living in the area we are in it actually isn't obviously in the future higher rent will be doable as I'd be part/full time work and our eldest will hopefully have a part time job to possibly contribute a small amount (I want to do this to her to make her realise how important money is and how to manage money unlike my parents who never asked for anything from my part time job)

we always wanted to buy a house but even If input £40000 as our income on different mortgage calculators we are still short a massive amount to buy a house in our area which means we will never own our own property unless my dads passes and I get the inheritance he's left but I don't want to ever think about at all it was just something my dad said to me not long ago and tbh doubt we would be able to get a mortgage on the length we would need it for as it would go into out retirement age (we are both in our mid 30's)

Please no ripping me apart for anything I may of said its just everyone's lives past and present are all different the same as our opinions.

Thank you for any help on this one

Don't worry I took the brunt of the abuse. However your point of view is very valid and is exactly the same fear I have people can make all the judgements they want. But it does affect alot of people with genuine worries and fear

Ilona

autumn2012 wrote: »

The way I see it is in a rich country like this one - people shouldnt be left with no money, housing or food! Regardless of personal mistakes etc - people should have a basic right to such things if there ever comes a time when they are needed!

I'm going to jump in here, because this struck a chord with me. I have never in my life had a sense of entitlement, never compared my circumstances with anyone else's, and never thought, that's not fair. I have never believed that I have a right to anything. My basics were not given to me, I was skint for many years as I clawed my way up the ladder, when my mortgage took most of my wages. That's how it was, and that's how it still is.

It's what you do with the rest of your money that's important, how you prioritize your spending.
Ilona

fusionx212

Ilona wrote: »

I'm going to jump in here, because this struck a chord with me. I have never in my life had a sense of entitlement, never compared my circumstances with anyone else's, and never thought, that's not fair. I have never believed that I have a right to anything. My basics were not given to me, I was skint for many years as I clawed my way up the ladder, when my mortgage took most of my wages. That's how it was, and that's how it still is.

It's what you do with the rest of your money that's important, how you prioritize your spending.
Ilona

you contribute to the system for everyone else.

you have the same rights and entitlement as them it's your money thats gone into the pot.

the system is for everyone to use when needed.

a lot of people are entitled to help from the government but will struggle by because of pride.

I applaud your perseverance in getting on with it.

Ilona

fusionx212 wrote: »

you contribute to the system for everyone else.

you have the same rights and entitlement as them it's your money thats gone into the pot.

the system is for everyone to use when needed.

a lot of people are entitled to help from the government but will struggle by because of pride.

I applaud your perseverance in getting on with it.

You have just reminded me. I am entitled to the pension that I now draw from the Government, because I paid into it for 45 years. I will amend my previous post. From school leaving age at 15, up until the age of 60, I never felt entitled to anything.
Thank you. I'm sorry I can't help with your initial post.
Ilona

[Deleted User]

You're lucky to get social housing: where I live social housing is rarer than a David Cameron honesty box. Been on the council 20 plus years and still got no chance. Lining the pocket of our Landlord.