Wee Willie Posted January 19, 2017 Share Posted January 19, 2017 8 minutes ago, Jacksgranda said: I think housing rental costs are excluded from "able to live on £600.00 a month" scenarios. Not sure what would happen if you're on a mortgage - do you need mortgage insurance to pick up the tab? I take it that's no aimed at me cos I haven't a clue Link to comment Share on other sites More sharing options...
Jacksgranda Posted January 19, 2017 Share Posted January 19, 2017 5 minutes ago, Wee Willie said: I take it that's no aimed at me cos I haven't a clue It was just a general query, aimed at no one in particular. Fret not. Link to comment Share on other sites More sharing options...
welshbairn Posted January 19, 2017 Share Posted January 19, 2017 33 minutes ago, Jacksgranda said: I think housing rental costs are excluded from "able to live on £600.00 a month" scenarios. Not sure what would happen if you're on a mortgage - do you need mortgage insurance to pick up the tab? Mortgage protection insurance has got a bit of a bad name. I think the Social can help with the interest but not capital repayment. @jupe1407 will know. Link to comment Share on other sites More sharing options...
Wee Willie Posted January 19, 2017 Share Posted January 19, 2017 28 minutes ago, Wee Willie said: I take it that's no aimed at me cos I haven't a clue 22 minutes ago, Jacksgranda said: It was just a general query, aimed at no one in particular. Fret not. Okay I've taken my pills and I'm now no fretting Link to comment Share on other sites More sharing options...
Benjamin_Nevis Posted January 19, 2017 Share Posted January 19, 2017 Mortgage protection insurance has got a bit of a bad name. I think the Social can help with the interest but not capital repayment. [mention=15829]jupe1407[/mention] will know. You can apply for help with Mortgage Interest. it's an assumed rate of 3% IIRC. It's paid as additional pension credit, ESA, JSA etc once you've been on that (income based) benefit for a set time. The government however recently changed the waiting period from 13 weeks to 39, except in certain circumstances. Eta: I haven't dealt with one of these for over a year now so the info might not be up to date. Link to comment Share on other sites More sharing options...
Jacksgranda Posted January 19, 2017 Share Posted January 19, 2017 Just now, jupe1407 said: You can apply for help with Mortgage Interest. it's an assumed rate of 3% IIRC. It's paid as additional pension credit, ESA, JSA etc once you've been on that (income based) benefit for a set time. The government however recently changed the waiting period from 13 weeks to 39, except in certain circumstances. So you would need to have 39 weeks mortgage payments salted away? Or have a sympathetic mortgage lender? Link to comment Share on other sites More sharing options...
Benjamin_Nevis Posted January 19, 2017 Share Posted January 19, 2017 So you would need to have 39 weeks mortgage payments salted away? Or have a sympathetic mortgage lender? I think the general consensus is that if you're mortgaged and have to go on benefits, you're in the shit. Like I say it's not something I deal with much now. The last time I did it was when the 13 week period existed, which was usually ok.Even then though, only the interest is paid at 3%, the bulk is still paid by the individual, so aye, you need a reasonable lender, or to get another job quickly. Link to comment Share on other sites More sharing options...
Granny Danger Posted January 19, 2017 Share Posted January 19, 2017 6 hours ago, Jacksgranda said: I've had to live on less, I could manage on £600 p/m Well you'd certainly save on the personal hygiene aspect. Link to comment Share on other sites More sharing options...
DeeTillEhDeh Posted January 20, 2017 Share Posted January 20, 2017 For one person? £120 per month shopping bill including food and supplies. £80 per month combined gas and electricity for a flat. £10 per month for a mobile phone. A phone. Not a smartphone. £16 per month or so for TV licence. Internet? Free. Use the library. Insurance? £10 per month for personal effects. Rent and Council tax paid for as explained at least FOUR seperate times above. Total is £230 per month outgoings leaving £370 per month to piss up against the wall if that is what you wish. Now I think you lefties need to explain precisely why that is poverty wages. £120 for food?You clearly don't do the food shopping in your household. Link to comment Share on other sites More sharing options...
Wee Willie Posted January 20, 2017 Share Posted January 20, 2017 2 minutes ago, DeeTillEhDeh said: £120 for food? You clearly don't do the food shopping in your household. To be fair he did say for one person. Since I stopped smoking over four years ago I spend roughly £100 per week on groceries. But as I'm an auld bugger and bide in Sheltered Housing my TV licence is £7.50 a year. Swings & roundabouts I suppose. Link to comment Share on other sites More sharing options...
Baxter Parp Posted January 20, 2017 Author Share Posted January 20, 2017 For one person? £120 per month shopping bill including food and supplies. £80 per month combined gas and electricity for a flat. £10 per month for a mobile phone. A phone. Not a smartphone. £16 per month or so for TV licence. Internet? Free. Use the library. Insurance? £10 per month for personal effects. Rent and Council tax paid for as explained at least FOUR seperate times above. Total is £230 per month outgoings leaving £370 per month to piss up against the wall if that is what you wish. Now I think you lefties need to explain precisely why that is poverty wages. The definition of poverty is not £600 pm you fucking dimwit. Link to comment Share on other sites More sharing options...
Granny Danger Posted January 20, 2017 Share Posted January 20, 2017 £120 a month on food and other household items? I bet oaksoft earns about £10 an hour and despises those whose living standards are close to his but who aren't as 'good' as he is. Link to comment Share on other sites More sharing options...
AUFC90 Posted January 20, 2017 Share Posted January 20, 2017 11 minutes ago, Granny Danger said: £120 a month on food and other household items? I bet oaksoft earns about £10 an hour and despises those whose living standards are close to his but who aren't as 'good' as he is. He's got a PHD mate. Link to comment Share on other sites More sharing options...
Jacksgranda Posted January 20, 2017 Share Posted January 20, 2017 1 hour ago, oaksoft said: For one person? £120 per month shopping bill including food and supplies. £80 per month combined gas and electricity for a flat. £10 per month for a mobile phone. A phone. Not a smartphone. £16 per month or so for TV licence. Internet? Free. Use the library. Insurance? £10 per month for personal effects. Rent and Council tax paid for as explained at least FOUR seperate times above. Total is £230 per month outgoings leaving £370 per month to piss up against the wall if that is what you wish. Now I think you lefties need to explain precisely why that is poverty wages. I think I worked it out that there might be £50.00 left over at the end of the month. You need to allow for clothes and shoes, haircuts and such like. You'd need a minimum of £35.00/week for food, never mind household goods, toothpaste etc On the other hand TV licence would be only £12.00/pm Link to comment Share on other sites More sharing options...
Granny Danger Posted January 20, 2017 Share Posted January 20, 2017 14 minutes ago, AUFC90 said: He's got a PHD mate. So he says. Link to comment Share on other sites More sharing options...
AUFC90 Posted January 20, 2017 Share Posted January 20, 2017 46 minutes ago, Granny Danger said: So he says. I was being sarcastic. I don't believe for a minute that Oaksoft has anything worth talking about let alone a PHD. Link to comment Share on other sites More sharing options...
Granny Danger Posted January 20, 2017 Share Posted January 20, 2017 13 minutes ago, AUFC90 said: I was being sarcastic. I don't believe for a minute that Oaksoft has anything worth talking about let alone a PHD. I know you were. Link to comment Share on other sites More sharing options...
NotThePars Posted January 20, 2017 Share Posted January 20, 2017 To be fair he did say for one person. Since I stopped smoking over four years ago I spend roughly £100 per week on groceries. But as I'm an auld bugger and bide in Sheltered Housing my TV licence is £7.50 a year. Swings & roundabouts I suppose. Imagine being a Scottish nationalist and paying the licence fee. What's THAT about? Link to comment Share on other sites More sharing options...
DeeTillEhDeh Posted January 20, 2017 Share Posted January 20, 2017 hh Heil Hitler?Or is he too left wing for you? Link to comment Share on other sites More sharing options...
Wee Willie Posted January 20, 2017 Share Posted January 20, 2017 48 minutes ago, NotThePars said: Imagine being a Scottish nationalist and paying the licence fee. What's THAT about? The manageress of the sheltered housing is bigger than me in a' ways so I dae as I'm telt. Link to comment Share on other sites More sharing options...
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