Fed up of the bragging

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  • seatbeltnoob
    seatbeltnoob Posts: 1,311 Forumite
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    KxMx wrote: »
    If you are working all those hours then where is your money going?

    Perhaps if you made a few cutbacks and compromises you could afford a holiday occasionally, it's clearly important to you.

    I agree. If youre qorking 60 hour qeeks and cant put away some money to a holiday then there is something seriously wrong. Either youre not earning above minimum wafe which you need to address or you have a lot of debt or outgoings to pay.

    Holidays dont need to be expensive. We flew to thailand, flights cost is £1090, we did splash out on expensive hotels, stayed in £100 a night (5 star) hotels some nights and scrimped in others £25 a night. You can get by £25 a night your entire trip if you want
  • Gavin83
    Gavin83 Posts: 8,751 Forumite
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    I can't really tell what this thread is, a complaint about friends, a moan about public sector pensions or a moan about how hard their life is. It's probably a mix of all 3. I agree with some of the others too, I recognise these posts too.

    Are your friends actually bragging or are they just telling you about what's happened in their life?

    I also don't think this adds up. You're earning what appears to be £year 27k a year, your wife is likely earning a similar salary. This is easily enough to afford a foreign holiday each year so what are you spending your money on? You do seem to be avoiding this question so I'm not holding out much hope of getting it answered but we'll see.

    The only piece of info you've revealed is kids. Having kids is a luxury and you have to accept a reduction in disposable income if you have them. If this is unacceptable to you then don't have kids. Having 3 kids is definitely a huge luxury, you could afford several nice houses for the money you've spent on them.

    Anyway most of it comes down to life choices. Your policeman friend went into the force knowing they wouldn't earn a great salary in return for a difficult job but they would gain a good pension. You had exactly the same choices in life, you chose to go down a different route.

    I've got a good pension but I pay more than double what both you and your employer pay combined. I won't apologise for my pension, I work hard for it.
  • Pollycat
    Pollycat Posts: 34,687 Forumite
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    elsien wrote: »
    https://forums.moneysavingexpert.com/showthread.php?t=5512813&highlight=friends+holidays+brag

    Well spotted.
    The same person.
    Even down to the 'eat me alive' sentiment at the end of both initial posts.
    How sad that someone is so eaten up by jealousy that they have to post the same thing under 2 usernames.
  • hugheskevi
    hugheskevi Posts: 3,860 Forumite
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    I don't know how much the taxpayer aka my son's employer is contributing to his pension...I just know he pays a whack into it himself. And I still think this is a &*£# time to be bemoaning about police pension.
    According to Police Pension Valuation 2016, the total cost of newly accruing pension is 32% of pensionable earnings, of which employees pay 13.5% and employers pay 18.5%. (ref: page 26 of this document).

    The actual employer contribution rate is higher, but that is to fund notional past service shortfall, which doesn't benefit existing staff and is primarily a function of HM Treasury decision to change pension scheme discount rates in actuarial assumptions.
  • Ms_Chocaholic
    Ms_Chocaholic Posts: 12,596 Forumite
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    Defo the same, if you google "Muscle750" it's a username used on camera forums elsewhere.

    He has had a trip to London as there's a photo of Tower Bridge on there so at least the OP is getting a holiday after all :)
    Thrifty Till 50 Then Spend Till the End
    You can please some of the people some of the time, all of the people some of the time, some of the people all of the time but you can never please all of the people all of the time
  • suki1964
    suki1964 Posts: 14,313 Forumite
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    gettingtheresometime wrote: »
    That's the poster I was thinking of

    Yep, thats the boyo
  • Kentish_Dave
    Kentish_Dave Posts: 842 Forumite
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    OP, given that you are very clearly avoiding the relevant questions, it seems that the reason that you can’t have a nice holiday is that you and your wife are blowing your relatively good wage, and have been doing so for decades. If you spend all that you earn, and have never put in the effort to be on much more than basic wage, and if you’ve had three children, then yes, you’ll not be so well off.

    It’s down to choices though. You and your wife need to stop the cocaine, gambling, escorts or whatever it is that you are wasting your above average wages on.
  • McKneff
    McKneff Posts: 38,825 Forumite
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    Where is your money going if you are both working 60 houra. People keep askind and you just ignore them
    make the most of it, we are only here for the weekend.
    and we will never, ever return.
  • oldernonethewiser
    oldernonethewiser Posts: 1,775 Forumite
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    McKneff wrote: »
    Where is your money going if you are both working 60 houra. People keep askind and you just ignore them


    Drugs ain't cheap.;)
    Things that are differerent: draw & drawer, brought & bought, loose & lose, dose & does, payed & paid


  • suki1964
    suki1964 Posts: 14,313 Forumite
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    McKneff wrote: »
    Where is your money going if you are both working 60 houra. People keep askind and you just ignore them


    Reading his past posts under his AE, between them its £37k
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