franks brother
Well-known member
....if so, how?
Can't say i've noticed to be honest....
Can't say i've noticed to be honest....
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Credit crunch, recession etc, has it affected you personally
- Thread starter franks brother
- Start date
Uncle Spielberg
Well-known member
A lot
Uncle C
Well-known member
Do you have:
1. A mortgage
2. An ISA
3. A pension
4. A car
5. A house
6. A job
7. A need for HP or a loan
8. A need to eat
8. Parents with any of the above
Then you have been affected
surrey jim
Not in Surrey
got more overtime at work,
Beach Hut
Brighton Bhuna Boy
Not as such and last May the wife changed jobs which brings in around £400 more a month as better hours and job. However food costs more and the car is now driven daily to work so our running costs are higher. However our life style has not changed at all and we are still eating out when we feel like it and having our usual quota of holidays a year.
Also downsized the car last April which has helped considerably on fuel costs as we did have a Vectra.
Workwise we have had two people made redundant this week and I suspect others and no doubt next years pay rise and bonus will be lower however still being paid.
However the current climate has taught both of us to think twice about what we buy for us and the kids and whether it really is necessary.
Also downsized the car last April which has helped considerably on fuel costs as we did have a Vectra.
Workwise we have had two people made redundant this week and I suspect others and no doubt next years pay rise and bonus will be lower however still being paid.
However the current climate has taught both of us to think twice about what we buy for us and the kids and whether it really is necessary.
dougdeep
New member
No problems so far. Same income, same outgoings.
Uncle C
Well-known member
A recession will bring up to 1 million more unemployed. Be careful.
Uncle Spielberg
Well-known member
Income down 75% this year apart from that everything is fine and Dandy.
Uncle Spielberg
Well-known member
3-1 Murray
Lankyseagull
One Step Beyond
Yes.
My company has had to make redundancies.
I've had to agree to a 10% pay cut - but at least I've got a job (at the moment).
My company has had to make redundancies.
I've had to agree to a 10% pay cut - but at least I've got a job (at the moment).
ben andrews' girlfriend
Nurse Laura
1. A mortgage - nope
2. An ISA - nope
3. A pension - nope
4. A car - nope
5. A house - nope
6. A job - nope, will do in a year, but there are always going to be people needing a hospital
7. A need for HP or a loan - nope
8. A need to eat - not much
8. Parents with any of the above - yup, but i havent seen the effect of it as yet
2. An ISA - nope
3. A pension - nope
4. A car - nope
5. A house - nope
6. A job - nope, will do in a year, but there are always going to be people needing a hospital
7. A need for HP or a loan - nope
8. A need to eat - not much
8. Parents with any of the above - yup, but i havent seen the effect of it as yet
Cian
Well-known member
Job isn't affected and unlikely to be - people continue getting sick and my job legally can't be moved out of the country at that.
Only loan I have is SVR and went down there last week as a result. Don't need another one.
Car - fuel has been going down?
Food - this has been going down too, theres a price war going on between supermarkets
Pension - I have one, and its likely been so amazingly destroyed that I don't even want to know...
So, probably only been affected on the pension - so far.
Only loan I have is SVR and went down there last week as a result. Don't need another one.
Car - fuel has been going down?
Food - this has been going down too, theres a price war going on between supermarkets
Pension - I have one, and its likely been so amazingly destroyed that I don't even want to know...
So, probably only been affected on the pension - so far.
Uncle C
Well-known member
6. A job - nope, will do in a year, but there are always going to be people needing a hospital
In the last slump, suicides went up dramatically, so that cuts out the middle man.
In the last slump, suicides went up dramatically, so that cuts out the middle man.
Horton's halftime iceberg
Blooming Marvellous
I have work until Christmas, but my contracts are with HBoS and a company that manages AIG work.
So far it has been buisness as useall and all my contracts are being taken up. However I was working in Edinburgh when it all went pear shaped and I really felt for all the staff, horrible to go through the will I keep my job scenarios.
Won't really know until I start selling next year..
So far it has been buisness as useall and all my contracts are being taken up. However I was working in Edinburgh when it all went pear shaped and I really felt for all the staff, horrible to go through the will I keep my job scenarios.
Won't really know until I start selling next year..
sod1
New member
the firm i work for are closing down one of their distribution depots up here and moving some of the work to our depot which is good from our point of view, but on the other hand the value of my house/ pension and ISA have all fallen
surrey jim
Not in Surrey
1. A mortgage - no
2. An ISA - no
3. A pension - no
4. A car - yes but drive very little
5. A house - no
6. A job - yes but work in a recession proof inductry
7. A need for HP or a loan - no
8. A need to eat - yes but only my mouth to feed no kids/pets
2. An ISA - no
3. A pension - no
4. A car - yes but drive very little
5. A house - no
6. A job - yes but work in a recession proof inductry
7. A need for HP or a loan - no
8. A need to eat - yes but only my mouth to feed no kids/pets
Leekbrookgull
Well-known member
Taken a few bob out of the bank,and brought gold,just adding to what i already have. 
timco
Well-known member
1. A mortgage Yes and it is with a Subsidiary of Lehmans!
2. An ISA not yet but will be getting one soonish to prosper from the upswing
3. A pension no and won't be getting one either
4. A car yes but my petrol consumption has dropped from about £400 a month to about £70 a month since the relationship in Norfolk broke up.
5. A house yes I have a mortgage on one and I own half another one since my mum died a year ago today.
6. A job yes
7. A need for HP or a loan no
8. A need to eat as little as possible i'm too fat
8. Parents with any of the above no they are both dead.
2. An ISA not yet but will be getting one soonish to prosper from the upswing
3. A pension no and won't be getting one either
4. A car yes but my petrol consumption has dropped from about £400 a month to about £70 a month since the relationship in Norfolk broke up.
5. A house yes I have a mortgage on one and I own half another one since my mum died a year ago today.
6. A job yes
7. A need for HP or a loan no
8. A need to eat as little as possible i'm too fat
8. Parents with any of the above no they are both dead.