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Thread: How much do you need to earn these days for decent life???

  1. #31

    Re: How much do you need to earn these days for decent life???

    Quote Originally Posted by goats View Post
    Grand a month might cover bills, food is expensive if you like to eat well, 2 grand, 4? Holidays??
    Never mind kids.....
    Not a lot if you have a good woman and your health.

  2. #32

    Re: How much do you need to earn these days for decent life???

    It`s not the money you earn that counts it`s the life you live and the happiness you have that is the real meaning of life.
    If you die with nothing but had a great life that is better than dying an unhappy Millionaire.

  3. #33

    Re: How much do you need to earn these days for decent life???

    Quote Originally Posted by CCFCPhil View Post
    http://www.rightmove.co.uk/property-...ludeSSTC=false

    Houses in Gwent can sell for £35,000. That's £140 a month. Council tax would be about £100 a month. Food - if just you, you could easily eat for £40 a week or £160 a month. £400 a month.

    Water rates £50 a month
    Electricity and gas, about £80 a month.

    £530 a month. Add in house insurance, and a bit for a rainy day, and for £600 a month you could be buying a property in Gwent, eating and living in warmth.

    Everything else is, frankly, a luxury. So, it's open to definition of what living comfortably is. I reckon you could live a minimal existence for £8000 per year. And, in 25 years, you'd own your own property. If you could get in a lodger, you could feasibly charge £100-£120 a week for rent and you'd be living on less than £4k a year.
    Yeah that sounds a great life. Merely existing.

  4. #34

    Re: How much do you need to earn these days for decent life???

    It may have been better if the OP had asked how much disposable income is required for a decent life. After all, those who own their home outright don't have the essential expenditure of servicing a mortgage or paying rent. And what constitutes decent? For a good many it must include at least one holiday each year, while for others' it's no big deal. Few would contend a holiday is a necessity. As one gets older one realises that good health trumps bling of all descriptions.

  5. #35

    Re: How much do you need to earn these days for decent life???

    A mate of mine retired at 60, he owned homes in Wales, Spain and Florida, had a tidy sized yacht and plenty of dosh to keep him comfortable in his retirement. He died last year aged 62.

  6. #36

    Re: How much do you need to earn these days for decent life???

    Quote Originally Posted by ian gibson View Post
    A mate of mine retired at 60, he owned homes in Wales, Spain and Florida, had a tidy sized yacht and plenty of dosh to keep him comfortable in his retirement. He died last year aged 62.
    Harsh but you often hear of folk popping off soon after retirement. Sounds like he had a lot of good things going, I guess as long as he had lived a full life up until his death that's all you can ask, if he didn't and was waiting to retire to begin living, so to speak, then that's pretty bad. It's not all about cash, if you are happy as a pig in shit in your average house and job then that's all that counts right?

  7. #37
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    Re: How much do you need to earn these days for decent life???

    I'd be perfectly happy on £20k a year in south Wales (Barry now, Pontypridd in about 6 months time). That amount rises pretty vastly if I moved to Hampshire, Berkshire, Surrey, etc

  8. #38
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    Re: How much do you need to earn these days for decent life???

    In this day and age and with the benefit system you can live a decent life without earning a penny.

  9. #39

    Re: How much do you need to earn these days for decent life???

    Quote Originally Posted by Tandy View Post
    In this day and age and with the benefit system you can live a decent life without earning a penny.
    Yeah, I agree. Take Liz Windsor for example. She stuffs £43 million quid in her purse every year courtesy of the Sovereign Grant. Not a bad rate of pay for a spot of occasional half-hearted waving.

  10. #40

    Re: How much do you need to earn these days for decent life???

    some interesting posts on this something i,ve been thinking of for a while

    one thing for sure the average person in south wales would not have a chance to work and buy a property in london or even rent a property . ainsley mentioned 20k in south wales but in the south east you wouldn't scratch the surface to survive ! house prices and wages vary from region to region . think the property bubble will burst soon

    in terms of money it depends where you live but the most important thing is your health and what you call decent

  11. #41
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    Re: How much do you need to earn these days for decent life???

    Quote Originally Posted by Organ Morgan. View Post
    Yeah, I agree. Take Liz Windsor for example. She stuffs £43 million quid in her purse every year courtesy of the Sovereign Grant. Not a bad rate of pay for a spot of occasional half-hearted waving.
    Liz brings in a few quid in tourism where as Nigel who never done a days work just flew back from Florida with his 6 kids.

  12. #42

    Re: How much do you need to earn these days for decent life???

    Being a few years from retirement l hope **** all as l fully expect after what will be close on fifty years of working and paying tax and NI that the state will keep me,l won't hold my breath(mind you l bet the powers that be wish l would)

  13. #43

    Re: How much do you need to earn these days for decent life???

    Quote Originally Posted by Tandy View Post
    Liz brings in a few quid in tourism where as Nigel who never done a days work just flew back from Florida with his 6 kids.
    According to this source the cost of the royal family comes to £334M per annum:
    https://www.republic.org.uk/what-we-want/royal-finances

  14. #44
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    Re: How much do you need to earn these days for decent life???

    I honestly think that the thread title ought to be:

    What do we consider to be a 'decent life' these days ? Can we afford it?

    If yes, Great.
    If not, should we get a bit more realistic and cut our cloth accordingly, or find some other method of funding it (legally, ideally) without it actually half killing us just for the sake of our own material ambitions? ;)

    That thought should help determine how much would need to be earned. Or where we need a reality check.
    The way I see it is - we all deserve a decent life, but equally we are not entitled to anything that we cannot actually hope to afford.

    A lot of folks, friends and colleagues, who I talk to these days seem to have developed material ambitions that are outside their true financial outlook.
    Especially in many areas of e.g. Wales where wages are not fantastic, but cultural/material ambitions remain about the same.
    Last edited by Vimana.; 01-05-17 at 15:01.

  15. #45

    Re: How much do you need to earn these days for decent life???

    Quote Originally Posted by J R Hartley View Post
    Yeah that sounds a great life. Merely existing.
    It would still be a good life in comparison to some around the world. Which means that "decent" life is arbitrary.

    The question, really, should be "how much do you spend on luxury items that you feel you can't live without?". It's materialism, and every body wants different things.

  16. #46
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    Re: How much do you need to earn these days for decent life???

    Quote Originally Posted by CCFCPhil View Post
    It would still be a good life in comparison to some around the world. Which means that "decent" life is arbitrary.

    The question, really, should be "how much do you spend on luxury items that you feel you can't live without?". It's materialism, and every body wants different things.
    ^^
    Way more succinct than my attempt to say similar.

  17. #47

    Re: How much do you need to earn these days for decent life???

    Quote Originally Posted by CCFCPhil View Post
    It would still be a good life in comparison to some around the world. Which means that "decent" life is arbitrary.

    The question, really, should be "how much do you spend on luxury items that you feel you can't live without?". It's materialism, and every body wants different things.
    Wanting a wife and children is not materialistic and on 150 a week that's simply not possible

  18. #48

    Re: How much do you need to earn these days for decent life???

    Money helps make life easier but the best things in life are free

  19. #49

    Re: How much do you need to earn these days for decent life???

    Quote Originally Posted by Pearcey3 View Post
    Money helps make life easier but the best things in life are free
    They say the best things in life are free, but I would happily pay £250 to see Alan Tate being mauled by a tiger.

  20. #50
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    Re: How much do you need to earn these days for decent life???

    Quote Originally Posted by ian gibson View Post
    They say the best things in life are free, but I would happily pay £250 to see Alan Tate being mauled by a tiger.
    I bid £260.

    Money waiting.

  21. #51

    Re: How much do you need to earn these days for decent life???

    Quote Originally Posted by J R Hartley View Post
    Wanting a wife and children is not materialistic and on 150 a week that's simply not possible
    In my scenario, the person doesn't want a wife or kids. It's an optional extra, many people prefer not to get married or have kids. Me included. Just a £3 a month subscription to Fiesta, 75p a week, and I've got all the nagging I need.

  22. #52

    Re: How much do you need to earn these days for decent life???

    Quote Originally Posted by J R Hartley View Post
    Wanting a wife and children is not materialistic and on 150 a week that's simply not possible
    You could send her out to work to pay for her own luxuries and decent life, I suppose.

  23. #53

    Re: How much do you need to earn these days for decent life???

    Quote Originally Posted by Kris View Post
    You could send her out to work to pay for her own luxuries and decent life, I suppose.
    Well, well, well there's a surprise. Phil appears then so does Kris. Yawn.

  24. #54

    Re: How much do you need to earn these days for decent life???

    Quote Originally Posted by J R Hartley View Post
    Well, well, well there's a surprise. Phil appears then so does Kris. Yawn.
    To be fair, Phil's level of English has improved no end since he first started posting on here.

  25. #55

    Re: How much do you need to earn these days for decent life???

    Quote Originally Posted by lardy View Post
    To be fair, Phil's level of English has improved no end since he first started posting on here.
    Kris has been giving him extra tuition free of charge because he couldn't afford the college course out of 150 a week

  26. #56

    Re: How much do you need to earn these days for decent life???

    Quote Originally Posted by Vimana. View Post
    I bid £260.

    Money waiting.
    It would cost more than £260 just to hire a man-eating tiger for an afternoon. You guys need to break down the real world financials on this if you ever want your project to see the light of day. Perhaps a gofund me page or something similar?

  27. #57

    Re: How much do you need to earn these days for decent life???

    Quote Originally Posted by ian gibson View Post
    They say the best things in life are free, but I would happily pay £250 to see Alan Tate being mauled by a tiger.

  28. #58

    Re: How much do you need to earn these days for decent life???

    Quote Originally Posted by Sloop_Jon_Bee View Post
    £40k per person in Cardiff would give a decent life as long as you live within your means and don't attempt to become something your not or over stretch by living in high end properties, driving high end cars ,spoiling your children , going on Dubai type holidays, all funded on the credit card .

    Life it's about building blocks, in my experience todays modern young families ,with two earners and kids, are trying to run before they can walk ,because they have property collateral behind them it entices way too much credit for inexperienced youngsters .
    Last edited by life on mars; 01-05-17 at 18:26.

  29. #59

    Re: How much do you need to earn these days for decent life???

    Quote Originally Posted by life on mars View Post
    £40k per person in Cardiff would give a decent life as long as you live within your means and don't attempt to become something your not or over stretch by living in high end properties, driving high end cars ,spoiling your children , going on Dubai type holidays, all funded on the credit card .

    Life it's about building blocks, in my experience todays modern young families ,with two earners and kids, are trying to run before they can walk ,because they have property collateral behind them it entices way too much credit for inexperienced youngsters .
    lets be honest, 10 - 15 years ago money was being thrown around like confetti, you have a child and earn under 70 K, here you go pal, here is 400 quid a month family tax credit , the policeman next door to me had 2 children ( 1 in school ) and he was getting 390 quid from family tax credit at one point, crazy, just crazy, BUT he loved it, why wouldnt he ? ?

  30. #60
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    Re: How much do you need to earn these days for decent life???

    Quote Originally Posted by MacAdder View Post
    Amen to this sir

    Same story here but when I say house. We lived in a tiny little house with great big holes in the roof! But it was a house to us
    Holes in roof?
    Eeeh lad, we'd have given anything for a roof, holes or not. A brick walled yard, that what we ad!

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