Brother Blades Posted January 25, 2018 Share Posted January 25, 2018 To be fair, your views on what is living out with your means are pretty moronic. If I change jobs to earn a better salary & then spend that better salary on all essentials & an extra holiday / better car / few more nice restaurants visited, am I living outwith my means? Or should I just bank the whole lot? Link to comment Share on other sites More sharing options...
Rugster Posted January 25, 2018 Share Posted January 25, 2018 On 24/01/2018 at 12:45, Rugster said: He's a bit hard of thinking, don't worry about it. Link to comment Share on other sites More sharing options...
Bobby Skidmarks Posted January 25, 2018 Share Posted January 25, 2018 4 minutes ago, whiskychimp said: Let me explain in the simplest terms for you. Imo, your means are your wages. If you live within your means you can live your life with that money. Two ways to live outwith your means are get into debt or earn EXTRA money which is not a guaranteed part of your income. Difference of opinion doesn't make me wrong but it does make you angry. By your logic, having a mortgage is not living within your 'means' I understand where you are coming from tbf, but your argument is far too simplistic. Link to comment Share on other sites More sharing options...
Bobby Skidmarks Posted January 25, 2018 Share Posted January 25, 2018 17 minutes ago, throbber said: Yeah I just expected a full month for January. I’ll be going on paternity leave for 2 weeks next month and am not entitled to paid leave for that either. Might start up a fund raising page for myself to get by. You should hit up Bambino, he'll be good for a score. Link to comment Share on other sites More sharing options...
whiskychimp Posted January 25, 2018 Share Posted January 25, 2018 7 minutes ago, Brother Blades said: To be fair, your views on what is living out with your means are pretty moronic. If I change jobs to earn a better salary & then spend that better salary on all essentials & an extra holiday / better car / few more nice restaurants visited, am I living outwith my means? Or should I just bank the whole lot? Erm no, because your salary, and therefore means, have chsnged Link to comment Share on other sites More sharing options...
whiskychimp Posted January 25, 2018 Share Posted January 25, 2018 8 minutes ago, Bobby Skidmarks said: By your logic, having a mortgage is not living within your 'means' I understand where you are coming from tbf, but your argument is far too simplistic. I'd say a lot of people get mortgages that are outwith their means but I take your point. There are exceptions; Im not saying my idea is a hard and fast rule. Id also say a mortgage is basically a savings fund. Therefore its not really a debt. You cant pay it, you sell it and take your money. Link to comment Share on other sites More sharing options...
Taxman Posted January 25, 2018 Share Posted January 25, 2018 Back in the day, two nights & a Sunday was the norm. Can't remember the last time I worked overtime, the Cooncil seem to have binned it. Link to comment Share on other sites More sharing options...
Brother Blades Posted January 25, 2018 Share Posted January 25, 2018 Erm no, because your salary, and therefore means, have chsnged You do understand that some jobs have a fairly guaranteed overtime overtime regime?Myself for instance, I earn a base salary- enough to cover my basics & put a little away every month, however, I go offshore, sometimes I go a month or two without going away, but when I do, can be for 4-6 weeks, with the extra money that brings in, should I just bank that? In my opinion, it’s fair enough to class that as money in the bank as I know it will happen. Likewise, if I’ve got client paid project work, I work the extra hours & get rewarded accordingly. Fucked if I’m banking all that, as it’s around 2.5 times my base wage...I’ll stick with treating myself to the niceties in life. Link to comment Share on other sites More sharing options...
Bold Rover Posted January 25, 2018 Share Posted January 25, 2018 Link to comment Share on other sites More sharing options...
GiGi Posted January 25, 2018 Share Posted January 25, 2018 26 minutes ago, whiskychimp said: Let me explain in the simplest terms for you. Imo, your means are your wages. If you live within your means you can live your life with that money. Two ways to live outwith your means are get into debt or earn EXTRA money which is not a guaranteed part of your income. Difference of opinion doesn't make me wrong but it does make you angry. You seem angry about people who take the chance to earn extra money hence your label of "living beyond means". And you don't seem to understand disposable income. I have a certain amount of free income every month from my basic salary. Sometimes if I do OT I have more disposable income! Not living beyond means, bills still paid, just more money to spend on shit that I want whether that's holidays, doing up my house or pishing it up a wall. Not everyone earning OT is a financial basket case propping up mortgages and lifestyles with additional pay. Link to comment Share on other sites More sharing options...
NJ2 Posted January 25, 2018 Share Posted January 25, 2018 Let me explain in the simplest terms for you. Imo, your means are your wages. If you live within your means you can live your life with that money. Two ways to live outwith your means are get into debt or earn EXTRA money which is not a guaranteed part of your income. Difference of opinion doesn't make me wrong but it does make you angry. Quick query, what if I won some money, let’s say £5k, and went on holiday spending that money. Would that be living outwith my means? If I didn’t have that money, I wouldn’t have gone on holiday but I did so I did...Just curious for your viewpoint - not trolling or looking for an argument. Link to comment Share on other sites More sharing options...
Brother Blades Posted January 25, 2018 Share Posted January 25, 2018 Whiskeychimp, doesn’t get paid overtime,that’s why he’s against all the “ballers” spending it on trips to Marbs. Link to comment Share on other sites More sharing options...
whiskychimp Posted January 25, 2018 Share Posted January 25, 2018 5 hours ago, NJ2 said: Quick query, what if I won some money, let’s say £5k, and went on holiday spending that money. Would that be living outwith my means? If I didn’t have that money, I wouldn’t have gone on holiday but I did so I did... Just curious for your viewpoint - not trolling or looking for an argument. Not at all. Thats a windfall. As I said, my rule isn't hard and fast. I reckon if you're booking holidays based on expected overtime you're outwith your means. Your scenario isn't in that situation. 4 hours ago, Brother Blades said: Whiskeychimp, doesn’t get paid overtime,that’s why he’s against all the “ballers” spending it on trips to Marbs. I don't get overtime pay because I have no intention of ever working any. Ever. Link to comment Share on other sites More sharing options...
NJ2 Posted January 25, 2018 Share Posted January 25, 2018 Not at all... Fair enough, like I said I wasn’t trolling or trying to argue just curious as to where that’d sit Link to comment Share on other sites More sharing options...
DA Baracus Posted January 25, 2018 Share Posted January 25, 2018 Wait, a mortgage isn't debt?! Link to comment Share on other sites More sharing options...
D.A.F.C Posted January 25, 2018 Share Posted January 25, 2018 Everyone living out with their means has ruined Britain. Getting stuff on tick and letting banks give us mortgages we can't afford. The decent non moronic people suffer as council taxes freeze and services go down but hey ho I've got a newer BMW than the neighbours. Link to comment Share on other sites More sharing options...
strichener Posted January 25, 2018 Share Posted January 25, 2018 4 minutes ago, D.A.F.C said: Everyone living out with their means has ruined Britain. Getting stuff on tick and letting banks give us mortgages we can't afford. The decent non moronic people suffer as council taxes freeze and services go down but hey ho I've got a newer BMW than the neighbours. Going by the tone of the post, that wouldn't actually surprise me. Link to comment Share on other sites More sharing options...
throbber Posted January 26, 2018 Share Posted January 26, 2018 I think you'd be better directing these questions to your payroll and/or HR department to be honest. It was the person who did the wages who made a mistake and the full amount was paid into my account today. Still got paid for the Xmas break. Link to comment Share on other sites More sharing options...
DA Baracus Posted January 26, 2018 Share Posted January 26, 2018 9 minutes ago, throbber said: It was the person who did the wages who made a mistake and the full amount was paid into my account today. Still got paid for the Xmas break. Careful now, someone might phone or email your boss to grass you in Link to comment Share on other sites More sharing options...
throbber Posted January 26, 2018 Share Posted January 26, 2018 Careful now, someone might phone or email your boss to grass you in Grass me in for what? Link to comment Share on other sites More sharing options...
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