The cost of living... what can we do?

Discussion in 'Off-Topic Discussion' started by Fat Controller, Aug 26, 2022.

  1. pete

    pete Growing a bit of this and a bit of that....

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    I always assume an "affordable" home to be smallish often as part of a block, these days and actually has a lower market value.
    Not really a house sold at below market value.
    So if they are sold on quickly I don't see a problem.
     
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    • JWK

      JWK Gardener Staff Member

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      Around here some of the affordable housing is only for key workers which makes sense. Also to make them properly affordable they are shared ownership, so a housing association owns say 50% and rents that portion back to the half owner. Getting a mortgage for 50% is obviously cheaper but they lose out when selling as they only get 50% of the equity increase, they are more or less stuck in a small apartment unable to move to a larger house when they want to start a family. Yes it helps singles and couples with no children but there is still a chasm for the next step.
       
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      • pete

        pete Growing a bit of this and a bit of that....

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        Yeah, shared ownership was intended to help first time buyers but as you say it doesn't get you far but surely must be a better option than renting, at least a chance to get a deposit for the next move.
        Often I heard it said that getting the deposit together is the hardest part, when at the same time renting.
         
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        • pete

          pete Growing a bit of this and a bit of that....

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          I would in some ways question who actually is a key worker.
          I don't suppose that includes the likes of dustmen, postman.

          Certainly sounds like the class system is alive and well in Britain still.
           
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          • JWK

            JWK Gardener Staff Member

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            From what I remember it was Nurses, Teachers, Firemen and Police. When covid came along just about everyone was labelled as a Keyworker and in some respects many are just by keeping the economy going.
             
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            • JWK

              JWK Gardener Staff Member

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              Seems that way. My Mum was a Nurse there was no way she could ever afford her own place in those days. These days it appears Nurses expect to buy their own place. It contradicts the idea that houses were more affordable in the past.
               
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              • pete

                pete Growing a bit of this and a bit of that....

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                I just think that when you start singling out certain workers for special help its a bit of a slippery slope.
                Often those that were called key workers, in the housing schemes, were and are better paid than the majority, I know you can go on about the average wage and all that, but in all my working life I never got anywhere near the so called average, and I know a lot of others who didn't also.
                 
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                • JWK

                  JWK Gardener Staff Member

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                  Yes it's tricky especially when a nurse can be anything from a student to a sister or matron with a large salary range. Averages don't mean anything to individuals. Plus many nurses do lots of overtime, I think it's expected, but must skew the figures.
                   
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                  • pete

                    pete Growing a bit of this and a bit of that....

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                    Everyone around here is slagging off the dustmen, all the facebook complaint that they have not emptied my bin etc.
                    Truth is half the time they cant get to certain roads because of parked cars.
                    During the winter they are usually soaking wet and cold and in the summer roasting.

                    They have had to work overtime over the holidays to catch up on having the christmas day boxing day off.

                    It a rotten job, lots of people do rotten jobs.
                     
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                    • JWK

                      JWK Gardener Staff Member

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                      Our friend's husband was a dustman, they started at silly o'clock so they finished the round before lunch. He played golf every afternoon. He retired in his 50s. It's a bit like firemen who always seem to be moonlighting.
                       
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                      • pete

                        pete Growing a bit of this and a bit of that....

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                        My nextdoor neighbour works for Biffa, he used to start around 6am and be home by 2pm, but that seems to have stopped since covid and they cant get workers, he said they were using agency drivers and crashed about three lorries, so running around like headless chickens most of the time.
                         
                      • Jocko

                        Jocko Guided by my better half.

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                        Starting at 6 and finishing at 2 is just a normal Dayshift. 8 hours. Same as 9 till 5. I used to work 6 till 6. Friday, Saturday, and Sunday one week. Then Thursday, Friday, Saturday, and Sunday the next. Mind you, I would drive from Fife to Greenock and see the railway gangers getting ready to do an outside nightshift, in February, and think how lucky I was in a warm fab, wearing clean gear instead of thermals, three pairs of socks and waterproofs.
                         
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                        • pete

                          pete Growing a bit of this and a bit of that....

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                          My old Dad used to be over the moon if he had 6 days 12 hours and 4 hours Sunday.
                          The money was good but he put in lots of hours.
                          That was in the 70s.
                           
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                          • Jocko

                            Jocko Guided by my better half.

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                            Last month the Scottish Ambulance Service was called out 799 times for people suffering from hypothermia. 121 cases here in Lothian.
                             
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                            • JWK

                              JWK Gardener Staff Member

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                              That should never happen. Are cases rising year on year?
                               
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