"We all have much more disposable income than ever before"

Can someone tell me what that actually means? I'm forever hearing it and being told it.Like ,we've all got loads more spare cash than we used to that we can dispose of on enjoying ourselves after the bills are paid? Yeah right!

Thanks

Any other modern day phrases that are bullshit to anyone?

Johnny wrote:

Any other modern day phrases that are bullshit to anyone?

"Liam's round, what you having?"

I have no disposable income at all - the more it goes up . . . the more the interest rate does. My debt seems to go up far faster than my "disposable income." Mind you, given a choice, I'd dispose of my income on WINE!!!

Could that be a new thread. What would you dispose of your income on! LEGALLY of course . . ..

Sun, sea, sand and sex. Watching out for the sand of course when combining them!

If someone gave me a load of money I would retire to a tropical island and relax disgracefully.

I'm lucky in that I have no debt I suppose, but then again no job pretty soon!

I'm going to answer this, thinking Johnny really is looking for the answer (silly me)

I think what they mean is that people have money after the necessities are purchased. If you look at the early 1900s, many of those in the U.S. (at least can't answer for other places), were spending simply to put food on the table, and mainly filler foods (lacking meat, healthy vegtables, etc.).

Although people are trapped by thier bills today, for the most part, they are self chosen. Necessity is food, , a roof over your head, and utilities (elec, nat gas, water). To own a car, gassing it up, insurance, eating at fast food, watching movies, cell phones, etc. is not seen as a necessity.

you probably know this, and were just taking a piss........

Bit like today really - with mortgage prices. When I retire at 65 (with no pension - can't afford a property and pension) I'll own my house but bog all else. On top of that, when you have a massive mortgage, you cant afford much else other that that and food. UK house prices have gone totally mad. Mind you, if I had disposable income, it would go on clothes, nights out and holidays (in london - scared of flying)

The piss. Taking the piss.

Unless he's had a few, in which case, he prolly was taking a piss...

It is a well known fact that expenditure increases as income rises. Tell me about it. :(

Johnny wrote: Can someone tell me what that actually means? I'm forever hearing it and being told it.Like ,we've all got loads more spare cash than we used to that we can dispose of on enjoying ourselves after the bills are paid? Yeah right!

Thanks

Any other modern day phrases that are bullshit to anyone?

Actually accross the population it's probably true, but not for the sunny happy reasons the Govt would have you believe.

Truth seems to be that houses are now so expensive, that young folks simply cannot afford them, and therefor have a mortgage worth to piss up the wall each month.

And I think that people spending 200 quid on a night on the piss, pretty much says that we DO have more spare cash.

NOOLigan wrote: It is a well known fact that expenditure increases as income rises. Tell me about it. :(

Yes. But my expenditure increases much faster than my income seems to rise.

"security concerns"

A phrase which means "we want to fuck you around but if we dress it up to sound like it's for your own good, you might not kill us"

Maybe I have been rather fortunate, but my level of disposable income has gone up considerably the last couple of years, even after I bought a house. That's all changing soon though, as I shall have no income!

oldmonkey wrote: Maybe I have been rather fortunate, but my level of disposable income has gone up considerably the last couple of years, even after I bought a house. That's all changing soon though, as I shall have no income!

No income, how does that work

Rosie wrote:

NOOLigan wrote: It is a well known fact that expenditure increases as income rises. Tell me about it. :(

Yes. But my expenditure increases much faster than my income seems to rise.

You manage canny though, don't you chick

Julie wrote:

oldmonkey wrote: Maybe I have been rather fortunate, but my level of disposable income has gone up considerably the last couple of years, even after I bought a house. That's all changing soon though, as I shall have no income!

No income, how does that work

I'm leaving my job at the end of June. Open to offers!

Thats not good. . . having said that, I sometimes wish I was able to get out of what I am doing now an do something that is actually valuable.

All credit to you for doing it and getting out of what you don't want to do!!

Julie wrote:

Rosie wrote:

NOOLigan wrote: It is a well known fact that expenditure increases as income rises. Tell me about it. :(

Yes. But my expenditure increases much faster than my income seems to rise.

You manage canny though, don't you chick

Well, I manage to get my wine . . . just about. See you later sweetie. x

NOOLigan wrote: It is a well known fact that expenditure increases as income rises. Tell me about it. :(

Reminds me of my Marines (though a different point then I think you were trying to make). I have to school them in finances all the time (scary though, eh?). They are always getting into financial trouble. Their usual expression is "Well I don't make that much money and I have so many bills".

Granted they make about $1100 a month. Doesn't sound like much right, but take into consideration that they don't pay for rent, utilities, uniform items, food (as long as they eat at the mess hall), cable, and there are all sorts of military discounts out there. Short of a cellphone, they have no bills to take care of, its $1100 take home.

Of course when they eat out at Carl's Jr. everyday for three meals, drink 3 - $2.00 energy drinks a day, get sloppy drunk at a bar three times a week, get a loan for a $60,000 vehicle (add the insurance for not being 25), of course they don't have any money. Its easy to not have enough due to poor money management.

EdelBrock wrote:

NOOLigan wrote: It is a well known fact that expenditure increases as income rises. Tell me about it. :(

Reminds me of my Marines (though a different point then I think you were trying to make). I have to school them in finances all the time (scary though, eh?). They are always getting into financial trouble. Their usual expression is "Well I don't make that much money and I have so many bills".

Granted they make about $1100 a month. Doesn't sound like much right, but take into consideration that they don't pay for rent, utilities, uniform items, food (as long as they eat at the mess hall), cable, and there are all sorts of military discounts out there. Short of a cellphone, they have no bills to take care of, its $1100 take home.

Of course when they eat out at Carl's Jr. everyday for three meals, drink 3 - $2.00 energy drinks a day, get sloppy drunk at a bar three times a week, get a loan for a $60,000 vehicle (add the insurance for not being 25), of course they don't have any money. Its easy to not have enough due to poor money management.

Yes, but it isn't all due to bad management for everyone - as I said earlier, the uk housing market has gone mad. A house that cost £11 000 25 years ago is now worth at least £130 000. Of my income each month, well over half goes on mortgage alone for a very small one bedroomed apartment. Throw in bills, food and insurance and there is very little left. I resent people assuming first time buyers are wasteful when salaries are not increasing in line with inflation and interest rates go up way faster than salaries.

I've managed to reach my mid 30's with no debts. Trouble is.....I've no credit rating either

Best way to have money is give up the booze. (EDIT: not that I ever could have if my stomach hadn't simply said "right, no more")

Here, Edel....I hope y'all get more than that when yer in a combat zone, I make more than that! (notwithstanding the USMC taking care of most things for your lads). Don't you think soldiers, especially combat active ones, will have a predeliction for pissy finances, with a sort of nagging thought of "why save, why live within my means, when I might gett offed tomorrow"

Doctor? wrote:

Best way to have money is give up the booze.

Shocking! I'd rather give up food!

Rosie wrote:

Doctor? wrote:

Best way to have money is give up the booze.

Shocking! I'd rather give up food!

There's always homebrew, beer as strong as Carlsberg special deathpiss, that tastes like shandy, and wine that tastes like Shloer, but could strip car paint. Ahhh those were the days :D

Doctor? wrote:

There's always homebrew, beer as strong as Carlsberg special deathpiss, that tastes like shandy, and wine that tastes like Shloer, but could strip car paint. Ahhh those were the days :D

Better than rioting against the fenians, eh Cambo?

Doctor? wrote:

Rosie wrote:

Doctor? wrote:

Best way to have money is give up the booze.

Shocking! I'd rather give up food!

There's always homebrew, beer as strong as Carlsberg special deathpiss, that tastes like shandy, and wine that tastes like Shloer, but could strip car paint. Ahhh those were the days :D

Or I could drink wilko's turp's!!!!

Seriously, I'm trying to cut down on my alcohol intake anyway! Still have a bottle of wine in my fridge which is good for a monday night!!!

Big Black wrote:

Doctor? wrote:

There's always homebrew, beer as strong as Carlsberg special deathpiss, that tastes like shandy, and wine that tastes like Shloer, but could strip car paint. Ahhh those were the days :D

Better than rioting against the fenians, eh Cambo?

Dude, it's Bangor, the Billy boys riot with themselves, the nearest nationalist horde is like 15 miles away. Rioting among themselves is no less vicious, and a hell of a lot more amusing (when viewed from a darkened window :D ))

are you people mad? good quality alcohol is one of the benifits of having a reasonable disposable income.

NOOLigan wrote: are you people mad? good quality alcohol is one of the benifits of having a reasonable disposable income.

I would agree whole-heartedly but given my massive mortgage and hideous bills, I'll have to make do with Wilkinson's Turps!!!! Or even worse . . . . Bellabrusco. I guess you have to live in the north east of England to know quite how bad that is!!!

Rosie wrote:

NOOLigan wrote: are you people mad? good quality alcohol is one of the benifits of having a reasonable disposable income.

I would agree whole-heartedly but given my massive mortgage and hideous bills, I'll have to make do with Wilkinson's Turps!!!! Or even worse . . . . Bellabrusco. I guess you have to live in the north east of England to know quite how bad that is!!!

Do more of your own cooking and shop at Aldi. There's need to cut back on the good things in life.

NOOLigan wrote:

Rosie wrote:

NOOLigan wrote: are you people mad? good quality alcohol is one of the benifits of having a reasonable disposable income.

I would agree whole-heartedly but given my massive mortgage and hideous bills, I'll have to make do with Wilkinson's Turps!!!! Or even worse . . . . Bellabrusco. I guess you have to live in the north east of England to know quite how bad that is!!!

Do more of your own cooking and shop at Aldi. There's need to cut back on the good things in life.

Any one who knows me will find that hilarious. . cooking is not my strong point despite completing a food based degree!!! I do try though!

Rosie wrote:

NOOLigan wrote:

Rosie wrote:

NOOLigan wrote: are you people mad? good quality alcohol is one of the benifits of having a reasonable disposable income.

I would agree whole-heartedly but given my massive mortgage and hideous bills, I'll have to make do with Wilkinson's Turps!!!! Or even worse . . . . Bellabrusco. I guess you have to live in the north east of England to know quite how bad that is!!!

Do more of your own cooking and shop at Aldi. There's need to cut back on the good things in life.

Any one who knows me will find that hilarious. . cooking is not my strong point despite completing a food based degree!!! I do try though!

If I can manage the odd basic meal, so can anybody.

I can manage microwave stuff and anything that doesn't require timings or things to finish cooking at the same time! Definitely somthing for me to work on!

Rosie wrote: I can manage microwave stuff and anything that doesn't require timings or things to finish cooking at the same time! Definitely somthing for me to work on!

frozen vegetables are your friend and tests have shown that often they are better if not just as good as fresh ones. also, anybody should be able to grill a piece of meat or fish.

All done in about 30 mins.

Doctor? wrote: Here, Edel....I hope y'all get more than that when yer in a combat zone, I make more than that! (notwithstanding the USMC taking care of most things for your lads). Don't you think soldiers, especially combat active ones, will have a predeliction for pissy finances, with a sort of nagging thought of "why save, why live within my means, when I might gett offed tomorrow"

Oh we do, and by the way I was vaguely discussing private first class pay, that lives in the barracks. If you included BAS (housing allowance, non-taxable), and many of the free benefits I get which would cost loads in the civilian sector, I make about $48,000 a year (CONUS). Which is pretty good pay equivelant for someone without a bachlors.
While in Iraq you get about $500 month for hazardous duty pay, and $500 for family seperation, to include everything is non-taxable, and you receive 2.5 days of non-taxabler paid leave per month.

Granted it isn't hand over hand money (one of the reasons I'm getting out soon), but it really isn't too bad.

Rosie-----I know what you mean about housing costs, wasn't putting you in that category. Try making $48,000 (sole-income) last while paying a mortguage and raising a family of four in Southern California. Takes ALOT of disipline and going without.

NOOLigan wrote:

Rosie wrote: I can manage microwave stuff and anything that doesn't require timings or things to finish cooking at the same time! Definitely somthing for me to work on!

frozen vegetables are your friend and tests have shown that often they are better if not just as good as fresh ones. also, anybody should be able to grill a piece of meat or fish.

All done in about 30 mins.

Screw that! That's why I married

EdelBrock wrote:

Doctor? wrote: Here, Edel....I hope y'all get more than that when yer in a combat zone, I make more than that! (notwithstanding the USMC taking care of most things for your lads). Don't you think soldiers, especially combat active ones, will have a predeliction for pissy finances, with a sort of nagging thought of "why save, why live within my means, when I might gett offed tomorrow"

Oh we do, and by the way I was vaguely discussing private first class pay, that lives in the barracks. If you included BAS (housing allowance, non-taxable), and many of the free benefits I get which would cost loads in the civilian sector, I make about $48,000 a year (CONUS). Which is pretty good pay equivelant for someone without a bachlors.
While in Iraq you get about $500 month for hazardous duty pay, and $500 for family seperation, to include everything is non-taxable, and you receive 2.5 days of non-taxabler paid leave per month.

Granted it isn't hand over hand money (one of the reasons I'm getting out soon), but it really isn't too bad.

Rosie-----I know what you mean about housing costs, wasn't putting you in that category. Try making $48,000 (sole-income) last while paying a mortguage and raising a family of four in Southern California. Takes ALOT of disipline and going without.

Bloody hell. $48,000 a year with the added bonus of getting shot at isn't much at all. Frankly I don't know how you do it.

OK take two and for some reason I didn't bugger up the thread.

What’s next for you convenience store clerk? That would have to be safer and pay more.

Actually plan on finishing my college (finally) and becoming a high school science teacher, and coach for the track team......scary thought, eh?

Does it matter?

Rosie wrote:

EdelBrock wrote:

NOOLigan wrote: It is a well known fact that expenditure increases as income rises. Tell me about it. :(

Reminds me of my Marines (though a different point then I think you were trying to make). I have to school them in finances all the time (scary though, eh?). They are always getting into financial trouble. Their usual expression is "Well I don't make that much money and I have so many bills".

Granted they make about $1100 a month. Doesn't sound like much right, but take into consideration that they don't pay for rent, utilities, uniform items, food (as long as they eat at the mess hall), cable, and there are all sorts of military discounts out there. Short of a cellphone, they have no bills to take care of, its $1100 take home.

Of course when they eat out at Carl's Jr. everyday for three meals, drink 3 - $2.00 energy drinks a day, get sloppy drunk at a bar three times a week, get a loan for a $60,000 vehicle (add the insurance for not being 25), of course they don't have any money. Its easy to not have enough due to poor money management.

Yes, but it isn't all due to bad management for everyone - as I said earlier, the uk housing market has gone mad. A house that cost £11 000 25 years ago is now worth at least £130 000. Of my income each month, well over half goes on mortgage alone for a very small one bedroomed apartment. Throw in bills, food and insurance and there is very little left. I resent people assuming first time buyers are wasteful when salaries are not increasing in line with inflation and interest rates go up way faster than salaries.

I couldn't believe it when we were in Edinburgh last, and the tiny one-bed flat Derek and I bought 20 years ago for 20k was going for offers over 110 and they're supposed to be starter flats, for fcuk sake.

my parents had nothing.

my dad has five brothers and two sisters. crammed in to a tiny corpy house in Everton.

my dad told me he got a pen knife once for Xmas.

my mums dad died in the War. she and her brother had nowt either. Mum started work the day after she left school.

and Dad went on the Docks.

King John Honest John wrote: Dad went on the Docks.

Bloody transvestite prostitutes!