Lucy
Well-Known Forumite
National average doesn't mean comfortable
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Proposal for new houses in Walton on the Hill.
- Thread starter Staffordian82
- Start date
tek-monkey
wanna see my snake?
So national average pay makes you a decent person? So that's what, 30k? What sort of mortgage do you think that gets, compared to the price of 'affordable housing'?
Gramaisc
Forum O. G.
Income alone is not a good measure of wealth, riches, social standing, lifestyle, etc.
My income is bugger all (genuinely literally, for the last two/three years*), but my available assets and low required expenditure combination means that I have no real financial issues.
I know people on considerably more than me, five to ten times, and they have to watch it all, as they ladle it out on rent, mortgages, etc.
People's lives can be very different, with equally different consequent financial requirements. I know someone who spends more on her 'look' over a year (hair, nails, cosmetics, etc) than I spend on everything, house, car, food, utilities, general purchases, and my own 'look'. She also moans about having little money...
* Being now an OAP and having managed to get it started, I now have hundreds falling from the sky every four weeks and will struggle to spend it all.
As for the social status/behaviour correlation - two of the schools I went to were real posh-boy places and a lot of the really dodgy kids that I knew were from the wealthier end - they knew they had a rather larger degree of immunity than the general run of oik did. One lad, heir to a large fortune, was arrested twice whilst in classes - the cops were very polite about it, they didn't want to face any undue consequences, I suppose.
My income is bugger all (genuinely literally, for the last two/three years*), but my available assets and low required expenditure combination means that I have no real financial issues.
I know people on considerably more than me, five to ten times, and they have to watch it all, as they ladle it out on rent, mortgages, etc.
People's lives can be very different, with equally different consequent financial requirements. I know someone who spends more on her 'look' over a year (hair, nails, cosmetics, etc) than I spend on everything, house, car, food, utilities, general purchases, and my own 'look'. She also moans about having little money...
* Being now an OAP and having managed to get it started, I now have hundreds falling from the sky every four weeks and will struggle to spend it all.
As for the social status/behaviour correlation - two of the schools I went to were real posh-boy places and a lot of the really dodgy kids that I knew were from the wealthier end - they knew they had a rather larger degree of immunity than the general run of oik did. One lad, heir to a large fortune, was arrested twice whilst in classes - the cops were very polite about it, they didn't want to face any undue consequences, I suppose.
Glam
Mad Cat Woman
I'm sorry, but who's on that much? Certainly not me and the majority of people I work with. Not having a go at you Tek like.
DoggedWalker
Well-Known Forumite
Average salary for the midlands is something like £37,000.
tek-monkey
wanna see my snake?
Not so sure about that, but guess it depends what average you use.
That'd certainly mean teachers/nurses are below average then!
Gramaisc
Forum O. G.
UK full-time annual salary by region 2023 | Statista
Average earnings in London were higher than the rest of the UK in 2023, with earnings varying significantly across UK regions.
www.statista.com
Perhaps of interest, particularly to those in NI, is that the equivalent figure for the Republic is €44,202 = £38,750.
tek-monkey
wanna see my snake?
Last time I looked 'affordable housing' was still well over 200k for a small 3 bed, so at least 6x average salary. What are lenders offering nowadays?
kyoto49
Well-Known Forumite
Not entirely. Teachers rapidly rise up the pay scale and nurses are often band 6 or 7, in the £40k range. They all deserve far more, but £30k is usually for newish starters only.
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kyoto49
Well-Known Forumite
Again, there are houses selling in Stafford for less than £150k atm, average salary x 2 people make that affordable.
I am on your page, the housing market isba joke, but for us in Stafford it is possible to still buy if you are a teacher or nurse or whatever. I can't say the same for care assistant and the minimum wage workers tho. Back in the day that's where council houses came in wasn't it. Working class people got a nice council house at an affordable rent.
kyoto49
Well-Known Forumite
Paramedics, Nurses, most of the skilled NHS roles, Pharmacists, Teachers, IT workers across the board, loads of council staff, Plumbers, Electricians, Mechanics, the gas road pipe workers, Cadent? It's alot of people tbh, almost all the organisation I work for would be band 5 or above, 9000 staff. Band 5 up to £31k.
I realise that very many are not, but very many are in ordinary roles tbh are paid very well often for no discernable reason compared to minimum wage care workers etc
tek-monkey
wanna see my snake?
But not the 'affordable housing' they build on new estates?
kyoto49
Well-Known Forumite
Yeah it seems a bit of a strange title tbh. I'd avoid new houses like the plague, they just aren't good value. The ones I don't understand are these shared ownership deals. You buy a percentage of an over priced new house and then rent the rest? There is no doubt in my mind it would be cheaper all round to buy outright a smaller older house. Doesn't make sense to me
tek-monkey
wanna see my snake?
Yeah, seen those. You think 'bloody hell that's cheap', then realise it's 40% of the house and you're really paying 300k for something worth 250 at best.Yeah it seems a bit of a strange title tbh. I'd avoid new houses like the plague, they just aren't good value. The ones I don't understand are these shared ownership deals. You buy a percentage of an over priced new house and then rent the rest? There is no doubt in my mind it would be cheaper all round to buy outright a smaller older house. Doesn't make sense to me
Lucy
Well-Known Forumite
You know what Glam does don't you?
kyoto49
Well-Known Forumite
Something at St George's?
staffordjas
Well-Known Forumite
Certainly not hubby or son either , no-where near!
Lucy
Well-Known Forumite
Yep, a nurse who says she isn't on £30k even though you've said they are.
Glam
Mad Cat Woman
Healthcare Assistant, top of Band 2. I wish I was earning 21k never mind 30!!!
*Edit. Just looked online at the pay scales, says £12.87 for top of Band 2, None of us are on that. Don't know where the figures come from there. I don't even get the danger money they used receive, that stopped long ago. Get your ear bit off/ part of it, head filled in, you have to sue and hope the Judge sees sense.
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kyoto49
Well-Known Forumite
Yeah so here are the nurse pay scales. I didn't make the numbers up. I said they are on £30k cos almost all but the newest starters are. Nurses are bands, 5, 6 and 7