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How bad is the credit crunch really affecting people?
I am just curious to know how bad things really are back home. Whenever I read the British papers it is very much doom and gloom. It seems that a lot of people have been affected with the credit crunch. I live in Canada and in my life I have become much more money conscious, my grocery bill being the most affected. It always surprises me though that my friends and family in England will say how awful it is but in the next sentence tell me of their holiday they have booked to Portugal for example.
Just interested in people's opinions on this. |
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the only way the credit crunch has affected me is.....i cant find a damn job :(
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It all depends on your circumstances and where you derive your income from. If you rely on bank interest for your living then you are not in a good position since the banking fairy seems to have spirited all the money away. I see many companies going under and wonder if this really is a result of recent events or have these failures been on the cards for a few years after existing on borrowed money. If you have some money in your pocket, there are some serious bargains to be had.
There are many questions to be asked regarding where all that money has gone and if it doesn't involve some serious corruption then I'll eat hay with a donkey but we will probably never know. "You can't fool all the people all the time", I think you can - so prove me wrong. You know all those £billions of missing money - I think I know where they are but please don't tell anyone - contact Mr. Howdoo Owarty (son of a former Nigerian banker) who has some enormous sums of money to give away to anyone daft enough to supply him with their bank details. |
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I haven't had a holiday away for over 2 years, but I haven't been fit enough to go. (retirement is one long holiday:rolleyes:)
The interest on savings used to finance one trip abroad per year, but not now, so I have been spending my nest egg on new appliances, and will be making that 'dream trip' when I get better. There is no point in saving anymore. |
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When people talk about struggling are things really that bad? I know people looking for work are having a hard time but how many people are going without? Personally I don't think things are as dire as they are made out. Lets be honest how many are going hungry, have had to give up their cars, internet and such like? You live according to your means
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I've already given up my home phone, virgin tv, going out, i havent had credit on my mobile for 3 months. I have kept my internet for job searching purposes. When it gets to the point that you have to go begging to your parents so you can afford to buy your child a pack of nappies i dont think it can get any worse. I'm permanantly in tears because i cant pay my debts, im going stir crazy not working, i've had to take my son out of nursery because i cant afford it anymore, his birthday is coming up and i'm getting stressed and worried because i'm not going to be able to afford to buy him anything. If I dont get a job soon its only going to get worse and worse and I just cant see a way out of it. Theres no help or support and the job centre are useless!! |
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Wow Lolly I feel terrible for you. I assume that you get some sort of financial aid. It is not that I am naive it is I left England 21yrs ago and don't know what assistance people get who genuinley need it.Judging by some of the responses it seems depending on your financial status as well as what line of work you are in dictates to how this crisis affects you.
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I really feel for you and hope you get something soon......if you're still after pub work try the new wine bar that's opening soon in Ossy. We're hard up at the minute too as my husband is off work sick following an operation. He will have been off for 12 weeks and money is tighter now than it was before. We buy more own brand products than we used to, hardly ever go out and will be staying in a friend's caravan for a week in July........it's that or nothing. Try and keep your chin up though, things will improve....that's what I tell myself. :) |
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You mentioned you'd applied for the job at the new wine bar, and I'd hoped you'd get it. If I was looking to employ an honest hard worker, who knew tons of people in the area, who had experience in that line of work, and who had a very friendly but professional attitude, I wouldn't have to think twice about offering you the job. Good luck in your search, and to you Flashy. Their loss will be someone elses gain. The most notable difference for me is that my gas bill is enormous. I've just phoned to check my gas consumption hadn't risen extraordinarily, and it hasn't. I think I'll have to plan to do what I did last year, and go and stay with my friends for a month in the winter sun, and leave the boiler turned off. I'm lucky in many ways, especially compared to others seeking work, or like another Accy Web friend, who last week told me his income has fallen by a third, as his company have put everyone on short time for the foreseeable future. |
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Lilly I phoned the wine bar but didnt speak to the manager and was just told to leave my number and they would get back to me, they never did. I phoned over and over again to get to speak to the manager but never got to speak to him. Its their loss they wouldnt get a better bar maid :) and certainly not one who has more qualifications for working in a pub. I did numerous courses when I worked for Thwaites including customer service and cellar management. The nearest bar jobs on job centre website are Bolton! Thats how bad it is round here. I've applied for admin jobs as well as I have an ECDL and working knowledge of Sage Accounts programme, but not getting anywhere. I'll keep plugging away though, it is very disheartening though as ive been out of work for 4 months after being made redundant I couldnt tell you how many jobs i've applied for, well over 100 though. Agencies are rubbish as well. |
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Are you sure that they are paying you all you are entitled to. The amount you are getting doesn't seem right to me. Hope you find a job soon |
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How much more dire do you want? The funeral was today by the way and I would like to say a big thank you to the many, many people who turned up to say goodbye to John. |
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It's so sad to hear of people getting so down that they can't see another way out. |
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Thanks Lilly, it's been tough enough without the Observer making a meal of it too.
John was a proud lad and should have asked for help but didn't. A lesson learned for all of us that knew him and one for others to heed too, even if things look ok on the surface it's not always the case. |
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It is bad if you have been working and suddenly get hours reduced or loose your job for whatever reasons... even if that job was not well paid it is really hard to adapt....more so these days at a time when prices for everything have increased.
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the thing is quite simply, everyones circumstances are different, the newly weds,the single parents etc, must be really struggling wether they are fortunate enough to be in work or not, its a damn site easier fer most folk my age to cut our cloth, have no big mortgage to worry about, not much to save up for etc, ok heating is very expensive n ya need it more as ya get older, but thats about it really. i saw first hand how families struggled back in the 80s as i was involved with helping the miners families, n know how soul destroying these circumstances are. too many do not realise that.
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In the bad old days we didn't have phones (of any sort). Fridges were a luxury.
Almost all the food you ate was prepared and cooked at home - no takeaways other than the chippy We had lino on the floor and rag rugs that gran made out of fabric scraps. We didn't feel hard done to because - ...what you haven't had you don't miss That is why many are feeling the crunch now - what they had, they now miss. It is a sad fact that this financial mess up has set back our standard of living by 40 years. |
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this is only the tip of the iceberg.ive been saying for years you cant run a solid economy on plastic money...
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Seriously though - coffee was a sunday morning only luxury, and chicken maybe at Christmas. Boiled old hens and rabbits are edible believe me:) |
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Didn't drink coffee then, but was available, and not instant either. Drank mainly water to be honest, but only from choice. Don't remember any of my friends being without either. ? School dinners were good too. Did you not stay for school dinners at the Accy High School ? They were good at primary where I went as well Peel Park. |
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In the last few decades people have lost the art of eating well cheaply and over rely on readymade meals and takeaways. Even juice in a carton saves you the trouble of squeezing the fruit and it all costs more |
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Chip shop yes but any other outlet no, apart from spud pie on our way home from a night out in Accy. My mum made pastries, jams, butter and many other tit bits. A rabbit now and again....trotters, tripe, cow heel made into a stew. Luckily I and almost all of my mates at that time did'nt either...and that was in Church. |
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A whole generation has never been taught how to eat well cheaply
Some are feeling deprived now they are having to find out |
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I do not believe that the majority of families these days live on takeaways and ready made meals....and certainly not if on benefits.... the economics just do not add up....I would not say it is harder now than say 40yrs ago but I can imagine it's hard to tell your kids you can't afford the same things their mates have.. the old saying "what you never had you don't miss " is not reality.
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My parents worked in the mills like everyone else, and only one wage when my Gran died (she lived with us, and mum gave up work to be there), but still I saw no lowering of standards. Can understand though, that there must have been some very large families around, and must have been difficult for them; but plenty of work to be had in those days, and endorse what Margaret said re. we expect more these days too. Like Margaret said also, everything was home made (used to long for a confectionery cake) don't particularly remember rationing either (talked about this on Sat. didn't we). Only reason I thought we weren't as well-off as some of my friends is that I didn't have a record player like my mate ... :D |
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Mancie -It depends how you define convenience food
For example - that batter mix you bought on Pancake day was just egg, milk and flour - how come you didn't have those in your kitchen already? |
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I have given my kids everything I could afford and they desired in life, and probably my own worst enemy as they would nag a little for more, 'til I sometimes gave in. :( However, they have made their own way in life now, and work extremely hard for their money. |
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It was easy enough to do without what people have today 40 or 50 years ago, most of it didn't exist :D
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It's hard in Tenerife too. No jobs to be found and a lot of the English are making plans to go back home. I've no idea what they are planning to do there though as their houses won't sell here. I just get angry as they are leaving their dogs behind.
As for us, it isn't as easy as it once was. Our income has been cut by a third because of the exchange rate and it's a bit of a struggle. We have just cut out most of the pleasures in life such as meals out and stuff but I'm sure we'll survive. It's one long worry to pay the bills and another worry is my daughter in Cornwall who is also struggling to bring up three children alone after her husband left..............I wish I could help everyone. I did spash out on a Lottery ticket today! |
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We didn't have pasta sauces in jars because we didn't have pasta, but now we have developed a taste for it is it cheaper to make your own sauce and even better to make your own pasta.
Convenience food in jars and packets is the option for busy working people, but if you now aren't working this is the time to learn |
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This is not the eighties, this is now. What you have got now try to keep hold of. Lets hope our lords and masters come up with a solution...they created it by not regulating the 'Cash Cow' that is the banking system. |
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The £60.50 is the income support rate for an adult, Mancie
Money for children is now paid by tax credits when you are on IS, and there is Child Benefit. :) |
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Just sad to think that he must have felt that they were no other options available to him. |
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When people think of roast beef they think of topside -expensive We roasted brisket - much cheaper How many young folk have ever eaten brisket? even if they even knew what it is:rolleyes: |
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i still buy brisket occasionally, prefer it actually to topside.:)
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When I was 5, I was certainly a trend setter.Mrs Highams(Of Highams Mills) used to leave remnants of cloth at my grans house were I lived with 6 others. Gran was a weaver at the mill. Have you any idea how embarrassed I was going to school in striped shorts made from bed sheeting.:o:o:o:o |
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Lol, you nutters. :D
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I used to make all my own clothes.
My son wore romper suits made from striped shirt poplin remnants and matinee coats made from unravelled and re-knitted cardigans. Lost skills need to be taught to folk to help them through hard times. ...and what a waste spending scarce dole money on packets of nappies:eek: I worked full time when he was 1yr old and still found time to boil terry nappies |
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Aye.. you don't know yer born... we lived in a greenhouse with no windows.... If we were lucky our Dad would give us a good hiding fer supper!
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now that is a thing that does bug me, my two never wore a disposible nappy, i cannot fathom the reason why good brass is wasted on em, :confused: n we had no washing machine until after me daughter was born she was the second.
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Clothing was rationed - there was a time when make do and mend was the only way
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I still make do and mend, always have, lol. Trouble with Benipete is I never know when he's serious, and the image of him I've got in my head with the stripy shorts......:D:D Trouble is I'm seeing him as he is now.. :D
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Its a pity that Gary isnt on here tonight - he would find a pic of a designer suit which resembles 'pinstriped' bed ticking - good hard wearing stuff it was too
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Had 2 in 89 and had the terries, but did invest in a few packs of disposables occasionally, lot of flippin nappies with 2 especially with 4 teenagers to sort as well. Didn't have my first washer till after my second cashy, and that was an old servis with the mangle on. Got my first fridge after the fourth one came along. Remember getting my first automatic washer, can't remember when, but I sat in front of it watching the first time I used it coz it was so brilliant. :D |
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It is time to let people know that it is very possible to enjoy life without-
a fridge, a washing machine, a mobile phone, an Ipod., a Weeeee and all that :D I was gonna say 'we oldies have been there done that and got the Tshirt' but that Tshirt was homemade:D PS well done Cashy - good googling :D for those that dont know what bedticking was - it was stiff fabric made into bags which housed the cotton flocks which you slept on spring interiors were luxuries |
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http://www.theretroknittingcompany.c...tway-2853a.gif I know someone who was so poor in the Fifties they had to wear sixty year Victorian knee high boots, which had to be fastened with a boot hook...luckily it wasn't a boy that was forced to wear them.:D |
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Pom- poms:eek: what waste :D
I remember knitting tea cosies |
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John was in the same class as my son at the hollins he and lots of others that knew john from school attended today, |
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I have to disagree with Mancie.
All the gathered evidence supports the claim that the poorest sections of society spend by far the greatest pecentage of their income on food, but it is food with the least nutritional value. House of Commons - Environment, Food and Rural Affairs - Ninth Report Not passing judgement, just making an observation, and it is a generalisation. Might be because children are being taught the wrong subjects in Food Technology lessons, when really the best lesson they could be taught would be to shown how to cook cheaply and nutritionally, starting from scratch with fresh ingredients. |
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I too am sorry to hear about your nephew Lindasay.
A very sad waste. :( |
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All my kids can cook bar from my 18 yr old and thats due to lazyness. But on the other hand he wouldnt go hungry either. (prob get his sis to cook something)
Seriously though I have taught all mine to cook , My daughter (17) can cook a full sunday lunch, Yes she still needs to be guided with the odd cooking time but if I or hubby wasnt here she would do it without doubt. My eldest lad loves cooking and is always doing so for him and his wife. My other lad can cook and can cook properly but chooses not to which makes me angry because it would save him a fortune. Kids dont have cooking lessons at school now like we did, We had cookery evey tues afternoon and we were taught everything from the basics upwards but most teachers cant cook these days so what chance do the kids have. |
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Lindsey Im so sorry to hear abut your nephew too , I understand how you feel because a similar thing happend to my cousin a few years back .
It is such a shock when something like this happens. |
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You can cook things from fresh just as cheaply as buying convienience food, it's been proved many times, but a lot of people don't know how to, or say they haven't the time, which is a bit laughable, especially if you're not working. I was always dahn the market when I lived in London, and used to feed myself for next to nowt, especially if like me you go when they are packing up. |
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When Mancie paid 13p for battermix I doubt whether he got more than 2 or 3 pancakes out of it.
For the same price spent on egg milk and flour he could have doubled the number he made and it wouldn't have been 'bulked up' with preservatives |
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That 99p 'bargain' Shepherd's pie is a loss leader, and if you're sucked in to buying only convenience food at that store, you're ultimately going to be paying over the odds, for nutritionally poor food. |
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You don't find many convenience foods in good restaurant kitchens either. |
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Many 'meat' ready meals are made from 'reconstituted beef' which is the scrapings off the bones, the sinews, and offal with added beef flavouring YUK
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I think Cook in Sauces are the biggest rip off going, second only to tinned and packet soups
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Sadly I can't safely cook some things anymore. I'd still be as quick, but the sauce I made might be shaken over all four walls.:D |
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It is the convenience food in packets jars and ready meals which costs more, because you have paid for a factory to do the work of making it, and they use some cheap nasties to try to make it look more economic for you to eat it.
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There's nothing wrong with convienience food per se, as a standyby, or a 'treat', but if that's all you ate, in the long run you'd be poorer in the pocket, and in poorer health. |
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Did my usual mince combination today,Mince and onion,Cottage pie and Spag. Boll.
Cost in total £3-00 but will last at least 3 days. I nicked the onions and potatoes and carrots but due to restrictions in my rental agreement I can not raise and process my own cattle.:banlama: Sorry nearest I could find:D |
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When I was in England a year ago I was shocked at the focus on conveniance foods and ready meals. I even commented to my sister at the time does nobody cook anymore. Everything is very expensive to me in England so I assumed people buy them because they are cheap. Let's be honest they sell a lot of them so someone is buying them.
I did get to see Jamie's ministry of food and was shocked at how many of them didn't even know basic cooking skills. |
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Times are tough ... last year, I had to shoot my Christmas dinner ... and for supper tonight, a fish that I had to catch myself after digging a hole in the ice ... if I hadn't had a bottle of Fireball to keep me company, I don't know how I would have managed .... checked my freezer, and I'm running low on moose and bambi burgers:eek: Better check on my stock of ammo, I think I'm running low on the 30.06:uzi:
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I got a job!!! :D
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Well done Lolly. I am Sooooo pleased for you. I hope it it the start of something good for you and your son. Great news!
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Oh Lolly so pleased for you, well done girl:)
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Great news, Lolly. I'm pleased for you. :mosher:
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well done Lolly, ya deserve it.:)
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Hope it all goes well for you x |
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That's great news for you Lolly, especially in today's climate:mosher:
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Its with Willowbrook Home Care, as a carer. I'm getting some experience and my NVQ before I go on to do my Social Work degree to train to become a Social Worker. :D
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Im extremely off about the impact of the 'credit crunch' <er...recession)
Mainly because I dont have loans, credit card debts or an unpayable mortgage like the greedy people who are afflicted by affluenza and WANT IT ALL now! Ive worked, <like a barstad> saved n paid for stuff, lived within my means and now? Im supplementing recovery plans because I Dont get the 'benefit' of low interest on 'debt'...er..cos I haven't any...I just gain less on my saving. |
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Well done Lolly, it is hard to get work at the minute, I have people ringing every day. qualified people who are struggling to find work, this credit crunch has started to affect us now, and I ahve informed staff that we may be reduced to a 3 day week for hopefully a short time.
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