Fed up of the bragging

Zero_Sum

just_trying wrote: »

Parish, well in Scotland it's on the value of your house. Morgage may be cheaper but if your paying someone else's and can't save enough then your stuck.

As is England. Whats your point?

Zero_Sum

LilElvis wrote: »

It means that the threshold for paying employee's NIC is lower than that for tax - unless you earn more than £125k p.a., in which case you pay tax on every penny earned (after pension deductions).

I know that. But thats not what i was questioning
And you missed dp from figures.

Zero_Sum

just_trying wrote: »

It means you can pay zero tax but ni.

But NI what?

The NI threashold is lower than income tax but there still is a personal alliwance of around £8500.

just_trying

Zero_Sum wrote: »

Its affordable within their cashflow.
Debt isnt always a bad thing if its for a big purchase thats actually needed.
'Ton' was probably a bit of an exaggeration tbf, just to highlight that holidays are still affordable to someone with committments

Well if they need to get into debt then that's not good as your friends couldn't afford it. What would happen if one lost there job. They can't afford holidays if they're borrowing someone else's money.

Zero_Sum

just_trying wrote: »

Well if they need to get into debt then that's not good as your friends couldn't afford it. What would happen if one lost there job. They can't afford holidays if they're borrowing someone else's money.

By that logic barely anyone can afford a house.
I have a mortgage, so by your reckoning im living beyond my means?

LilElvis

Zero_Sum wrote: »

I know that. But thats not what i was questioning
And you missed dp from figures.

I

Post edited for clarity.

just_trying

Zero_Sum wrote: »

But NI what?

The NI threashold is lower than income tax but there still is a personal alliwance of around £8500.

Are you really that slow! We were explaining you can be on a low wage pay no tax but ni.

Well I stay in Scotland so no parish stuff here point understood.

AmelieAva8

:rotfl: seriously the dig at public sector! I’ve currently only been in the nhs for 5 years but I will be working another 37 years before I can get my pension and I’ll probably be dead by then with all the stress of my job and impact of working night shifts.

My sister is in the police and thinks she’s either going to be killed doing her job or sacked for doing something wrong. I’d say the ‘desirable’ pensions are bloody well deserved for us front line staff. Had I known properly what my job would have been like I may have gone into one of those jobs where they go to Nando’s every Friday and sleep every night and have lots of ‘nice’ work perks.
However, I cba as I feel fairly good at my job, but my point in, please don’t make digs at the public sector workers!! I have two kids and if worked out correctly by the other posters have similar income and we always go on a holiday a year and treat ourselves. Life is what you make it, be happy, laugh, don’t worry about others and it’ll be so much more enjoyable. If your struggling downsize, pay off the mortgage early and cut your work hours, live a little. That’s me out

just_trying

Zero_Sum wrote: »

By that logic barely anyone can afford a house.
I have a mortgage, so by your reckoning im living beyond my means?

Possibly!

Reply not long enough, maybe you are if you think other debt is okay.

Zero_Sum

just_trying wrote: »

Are you really that slow! We were explaining you can be on a low wage pay no tax but ni.

Well I stay in Scotland so no parish stuff here point understood.

But NI what?
What you're writing isnt English

And yes you can still pay a bit of NI, but its next to nowt really
But I fail to see what relavance this is to someone on £27k?