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Man child arguing with parents

Charmless Man said:
Yes but you’re earning as well.

£10 an hour is, what, £20k a year if working fully time (40hrs/week).

Can get a 2 bed flat in Shields for £500-£600 pcm. You can afford a month’s deposit.

You’re not going to be living the high life but it’d be do-able.
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I imagine for those who are past a certain age, it is nerve wracking for them to make that leap. Even if this is a subconscious thought, there will be various barriers put in place to justify why staying at home is the only option.
 

ShieldsBlackCat2015 said:
And go where? People say there is cost of living crisis. What crisis? It's all a government cover-up. How can anyone not realise that? If there is a cost of living crisis then how do we have people financially supporting a family every day of every week of every month of every year making sure they have everything they want, a house worth hundreds of thousands with some of the latest fixtures and fitting PLUS some of the fanciest mod-cons and a car worth about £20k. I would work a lifetime and not afford a £20k car. Not on my wage of £10 p/h. They have three kids who have the best Christmas ever every year, they have wife who has some nice clothes and goes to work work in some nice bit of bling, they have an Audi A4 in the driveway and at a house in some nice area of town. And they moan about a few pounds on their bills? Please!!!

But how much it is all costing them? They must have several hundreds of thousands in the bank. No person like me would last 5 minutes in an independent life before all money runs out and I am living in a box in a doorway. If I were to move out tomorrow my money would be gone before the end of the week. I cannot afford the prices some are charging for properties, the food prices etc. How can anyone expect anyone who isn't a millionaire to just live on their own?? Begger's belief.
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Should’ve stuck in at school!😁😁

It seems to me you’ve got two simple choices in life. You can stay where you are working the tills at ten quid an hour and I suppose a small chance of moving up the retail management ladder, continue being mad at the world with your lot in life and continue living with Mammy and Daddy until their time is up and you get your inheritance one day.

Or you can take some control of your life. We are constantly hearing about a shortage of certain occupations. Get yourself back to college and learn a trade like plumber or electrician or carpenter. You could be living in a gaff which a kitchen island, bifold doors and a Juliet balcony, shitting in a bucket and buying ten grand rolexes and driving an AMG. Or be a nurse or a teacher where you won’t make millions but will never have to worry about being laid off and could afford that Fiat 500 you covet. A lot of people don’t have the option to retrain as they have to stay working in a low paying job to keep their family together but as you’re sucking off the family teat then you should use that opportunity to your advantage while you can.
 
Charmless Man said:
Yes but you’re earning as well.

£10 an hour is, what, £20k a year if working fully time (40hrs/week).

Can get a 2 bed flat in Shields for £500-£600 pcm. You can afford a month’s deposit.

You’re not going to be living the high life but it’d be do-able.
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He clearly has issues. But why rent, he has 15k. Would make for a deposit and get the house stuff he needs. 80k grand flat, about 450 a month. Would leave him about a grand a month for his other bills/doing stuff money. Wouldn’t be a glamorous lifestyle but would be alright
 
halfpast3 said:
He clearly has issues. But why rent, he has 15k. Would make for a deposit and get the house stuff he needs. 80k grand flat, about 450 a month. Would leave him about a grand a month for his other bills/doing stuff money. Wouldn’t be a glamorous lifestyle but would be alright
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Baby steps I guess. Yes it’s more expensive but it might give him more confidence to do it if not tied to a place.
 
Charmless Man said:
Yes but you’re earning as well.

£10 an hour is, what, £20k a year if working fully time (40hrs/week).

Can get a 2 bed flat in Shields for £500-£600 pcm. You can afford a month’s deposit.

You’re not going to be living the high life but it’d be do-able.
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I didn’t know it was £20k a year. I just judge earnings by the hour. I don’t think as far as a whole year of earnings. I can’t. And £10 doesn’t seem much. I do know that every 4 weeks my wages just tip over £1000 for the four weeks. And I do know that my weekly hours can be in the region of 25-30 hours per week. It varies. To be honest I can’t be 100% sure about anything. Thud is why a financial advisor would be handy for me.
 
ShieldsBlackCat2015 said:
I didn’t know it was £20k a year. I just judge earnings by the hour. I don’t think as far as a whole year of earnings. I can’t. And £10 doesn’t seem much. I do know that every 4 weeks my wages just tip over £1000 for the four weeks. And I do know that my weekly hours can be in the region of 25-30 hours per week. It varies. To be honest I can’t be 100% sure about anything. Thud is why a financial advisor would be handy for me.
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stay at home, train in something ASAP
 
ShieldsBlackCat2015 said:
I didn’t know it was £20k a year. I just judge earnings by the hour. I don’t think as far as a whole year of earnings. I can’t. And £10 doesn’t seem much. I do know that every 4 weeks my wages just tip over £1000 for the four weeks. And I do know that my weekly hours can be in the region of 25-30 hours per week. It varies. To be honest I can’t be 100% sure about anything. Thud is why a financial advisor would be handy for me.
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Well if you do 25-30 hours a week it wouldn’t be £20k. That’s based on 40 hours a week.
 
Charmless Man said:
Well if you do 25-30 hours a week it wouldn’t be £20k. That’s based on 40 hours a week.
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The simple maths for converting full time hourly to salary is Hrly x 2 to give the equivalent £1k. On the basis there’s 52 weeks but most contracts are 37 hrs so it tends to balance for a quick calc in your head.
Very basic stuff I know but it’s important that someone who is budgeting on a weekly, monthly and annual basis knows how to convert. Most certainly if they are looking to prepare a budget to work out of a home (bought or rented) is affordable.
ShieldsBlackCat2015 said:
I didn’t know it was £20k a year. I just judge earnings by the hour. I don’t think as far as a whole year of earnings. I can’t. And £10 doesn’t seem much. I do know that every 4 weeks my wages just tip over £1000 for the four weeks. And I do know that my weekly hours can be in the region of 25-30 hours per week. It varies. To be honest I can’t be 100% sure about anything. Thud is why a financial advisor would be handy for me.
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£1k every four weeks is £13k per annum, assuming you are paid 13 times which some companies do.

Is there any scope for you to work longer hours? Most people work a basic of 37 to 40 and it’s not uncommon for overtime to be 5 to 10 hours per week. This would boost your expendable income by 10k per year easily. But you’d need to commit to that to enable you to commit to getting somewhere yourself.
 
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I know someone who is 40 this year and still lives at home with his mum, so does his 37 year old brother.

Their 27 (I think) year old sister moved out in her early 20s. At one point when she was still a teenager they had the 3 siblings plus the mum in a 2 bedroom terraced house - the mum and sister shared a bedroom and so did the 2 “boys”. They came into some inheritance 5 or 6 years ago and now live in a 4 bedroom house so at least they all have a room (and a spare now the sister is away).
 
Mickdundee said:
I know someone who is 40 this year and still lives at home with his mum, so does his 37 year old brother.

Their 27 (I think) year old sister moved out in her early 20s. At one point when she was still a teenager they had the 3 siblings plus the mum in a 2 bedroom terraced house - the mum and sister shared a bedroom and so did the 2 “boys”. They came into some inheritance 5 or 6 years ago and now live in a 4 bedroom house so at least they all have a room (and a spare now the sister is away).
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I couldn't wait to get away when I was 18 and never moved back, despite some tough situations in my earlier days (like most people I suppose).

I can't get my head around living at home at the brothers you mentioned ages, much less sharing a bedroom with my brother like they were doing in their thirties! :eek:
 
Barry Quizshow said:
I couldn't wait to get away when I was 18 and never moved back, despite some tough situations in my earlier days (like most people I suppose).

I can't get my head around living at home at the brothers you mentioned ages, much less sharing a bedroom with my brother like they were doing in their thirties! :eek:
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They had bunk beds as well because the room wasn’t big enough for 2 singles. We used to joke that when his mum moved to that house she was dropping a major hint for them to move out!
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As much as he’s one of my friends, the whole family is proper odd. There’s an older brother as well (I think he’ll be 42 this year) who went to the local private school (the other 3 didn’t), and when we were at school he was one of those who was 19 but used to hang around 16 year old girls because he had his own car and nobody his own age would shag him. He now lives in a Council house somewhere in Wales living off benefits.
 
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