Should affordable housing be affordable?
22/08/2011 11:27 pm
And what is affordable when it is at home?
I got a letter through today, rents shall rise above inflation. I'm going to take a £5 hit (I'm on minimum wage). Currently working 40 hours leads me to being £40 better off than dole. So I'm going to end up with £35 NET better off for working 40 hours, but bus fares are up £3 a weeek, so I'm down to £32 for 40 hours, and I can't do no overtime.
I'm becoming disillusioned by the system, I do like working, but there is no monetary reward. I actually felt better in myself when unemployed. I had time to see friends and family, cooking my own food was cheaper than having to eat at work. I had time to go walking and read books. I could still volunteer, but would be rightfully classed as unemployed, I get dole wages.
Think I might have to jack in my job and go back onto the dole, I can't afford to live, all my money goes on rent, and the housing benefit would pay it anyway.
And I'm the lucky one, I have security of tenure, most of my friends do not, the same low paid job and expensive housing, shared houses, shared rooms, the obligatory mattres behind the settee.
What is affordable?
Please enlighten me!
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25/08/2011 9:58 pm
Playing dodgems again are we Chris? You did not answer the questions posed.
I am not repeating the PSL point for the millionth time - you are being obtuse.
I also agree with nonny - the very thing that is offensive about the welfare system is it creates people like the one who made this post, choosing to give up so they can enjoy 'quality' time at the expense of every person who is earning their living.
25/08/2011 10:37 pm
Which question - I can only see one and you set it as a rhetorical items Jono?
I'm not asking you to repeat the PSL point, I'm asking for your view on minimsing benefit cost and dependency by making affordable rent available and improving the rewards of working - what's so wrong in that - certainly not obtuse.
26/08/2011 0:39 am
I think it is only a minority of people on benefits who would rather be poor and free, and it is not a lifestyle choice for most. When I earned enough to pay tax I was happy to support the welfare system, regardless of the relatively small number of deliberate 'freeloaders'. It is not that easy a life, and gets harder over time. Most people I have known who felt it better to be on benefits than work long hours in a dead-end job without career or pay rise prospects have eventually found it intolerable and gone into training, more education or found a job with some future. The problem is the sub-culture that has developed where several generations have been out of work, and the cycle of unemployability, rock-bottom self-esteem, people who have learned from the rest of society as well that they have no value and nothing to contribute. Intensive intervention is needed to change this.
26/08/2011 0:44 am
I remember a time when everyone could post on this wbsite. That was before the bores and the dominant old grump. Repetition repitition, boring everyone including the pg
26/08/2011 1:14 am
Jono, I'm upset that you say I am abusing the system, choosing quality time at the expense of those working.
I have worked in food production and produced enough food in my lifetime to feed multiple people, I seek to gain work in the construction of affordable housing in the future.
I don't see why I should be forced into taking jobs of no value, I am still working, I've got a volunteer job. I'm looking to move back into gainful employment. But I need a job to pay, I want monetary reward or some altruistic satisfaction. My friends are living on setees, I could lay bricks for the council or a local anarchist movement that aims to provide affordable housing for the poor.
26/08/2011 1:29 am
The job I previously had did not provide sickness payments.
If you were ill and had to visit the doctors, you had to lose a day's pay (more than the £32 net better off per week for working 40 hours), and each seperate prescription costs £7.40 odd.
I had less acces to healthcare when I was working!
Dentist, precriptions, opticians, all free on the dole! What of the workers in my previous position, paying for me to live a life of relative luxury with £53 after housing costs to spend per week.
Surely they should have access to healthcare?
26/08/2011 7:48 am
FHY - no one is forcing you to take a job you do not value. But, would you have 'jacked it in' if you did not have the opportunity to live on welfare?
I commend you for volunteering, though in my view you should be able to support yourself independently, before giving your time for free.
A pity you decided not to wait at least until the contract you had entered into had ended before deciding what to do next, but it is positive you have aspirations.
26/08/2011 9:33 am
@Lee - it appears, at long last, your first ever posting has been allowed. What an earth have you been posting all these years such that no previous contribution has appeared. What a shame you wasted the unique opportunity by failing to express a view or opinion about the subject issue.
26/08/2011 12:20 pm
FHY, if working 40 hours for an 80p hour gain discourages people from working, they need a bloody good kick up the rear. Unbelievable. You can't even see it...
26/08/2011 1:26 pm
I wonder what you think Sancho
Could the decision making process where a sub-minimum wage earner gives up work to live on benefits be misguided by the constant and erroneous propaganda that benefits equal £500 per week. Perhaps if there was less lies spread by the Pickles' tendancy and his organ the Daily Mail, Murdoch Vision and the ignorant who repeat the false 'truths' then people may realise that even a low paid role is better than no pay.
The one rider for the person who has done well to start this thread is, of course, that unlike the rest of the working population, he is not allowed to have his low pay topped up to 'make work pay'!
01/11/2011 11:10 am
If the cost of living was reduced by reducing the energy bills which are a major drain on income then people would be able to live within their means.
01/11/2011 12:47 pm
Bill exposes the biggest Con in Conservative policy - the privatisation of the utilities was meant to deliver a competative market supplying lower charges to the consumer as a result. The truth has been little true competition, a succession of middlemen suppliers and producers, new record profits every year, and new record prices to match.
That is why the creation of the Housing Market needs to be reversed, with a return to a sound policy of social housing with rents that can be afforded without the need for massive benefit payments, and security upon which people can build quality lives.
So yes - removing the market from housing, like removing the market from utilities and so many other key sections of the economy, has the potential to greatly enhance the quality of life for the majority. The obstacle is that the top 1% have increased their personal wealth on the back of these privatisation and artificial markets - they also hold the power. Addressing the problem will therefore require addressing this situation too, otherwise they will only continue to bleed us all dry.
13/03/2012 9:29 pm
Stick with it mate,if you go on benefits you will be on a downward spiral,
You will just get used to being on the dole and the years will fly by i assure you and when you do go for a job they will ask "WHAT HAVE YOU BEEN DOING FOR THE LAST 5 YEARS" and you will never get the job.
They will say that they have a diversity policy etc and that they don't discriminate but at the end of the day they can give the job to who they choose and they are not going to choose someone who has been on the dole for years.
You didn't say what type of work you did,is there a future in it ie are you training for qualifications etc.
If not then try to find a job that will give you decent qualifications by decent i mean city and guilds not some pony nvq or go to college and get some i don't know how old you are but if you are 19 or under you can get college courses free.
I cannot stress how important qualifications are mate ,I trained to be an electrician ,i think the best trades are either an electrician or a plumber as these do not rely on new builds (which don't happen anymore since this recession)as there is always maintainence to do on existing properties,and if you havn't already try to pass your driving test.if you are a qualified tradesman you will never be out of work.
Just think of this you are on the dole for the next 3 years you are skint all the time and its a f**king nightmare
or you go to college for 3 years you are skint all the time but in the end no f**king nightmare
I really wish you well in the future and i hope everything works out it is not fair that people like you who want to work are sometimes forced to claim benefits because of the way the system works
14/03/2012 1:26 am
try to stay out of benefits as much as you can... It's a nightmare... people go about ranting those on benefits are having a good life... No theye are not... they are just living day to day with no end in sight and no prospects... Ask the Ceo of your Housing Association, would he or she live in benefit?... Ask the Directors of Housing would they live on benefit?... Like hell they would. They would not last one single week on £60 a week, so why should you?... Go and get yourself a good job though, low paid jobs are even worse than being on benefit because in low paid jobs you still have to rely on benefits. Just get yourself a good paid job and refuse any other type of slave work.
28/11/2012 2:03 pm
I agree that social housing should only cost a certain % of the equivalent of 40 hours at minimum wage. What concerns me most of all though is the fact young people cannot get Tax Credits (unless they meet other criteria such as having children). Obviously, we already know that the Govt thinks most young people have the option to live with their parents and perhaps this is the main reason why young people don't qualify. however, the reality is that young people more often than not have the same household costs and expenses as the over-25's, and as they work just as hard and pay their taxes the same, then they should receive Working Tax Credit in the same way.
13/04/2013 10:58 am
I think it is worth pointing out that many social rents are already up to £150 or £165 a week (even for a one bed) in London and therefore already over 40% of minimum wage. We need a new system for keeping rents down not putting them up. People are already struggling badly and those on benefit or in a bigger benefit trap the higher the rent is.
16/04/2013 2:25 am
I know this answer is a shock , but i would say move out of london unless you earn lots, plenty of other towns with jobs with lower rent, i mean avoid country villages, but exeter, bristol, swindon etc,
also i found living with a partner much more financial sense, eg 1 house 2 wages, we share electric, council tax, rent, heating and with 2 wages all the better, single folk have in theory got it harder on 1 wage.
16/04/2013 6:46 pm
that's right, for single people is impossible to survive these days... they either end up in crime or homeless - if you are a woman you can get pregnant, but if you are a man, it is either crime or homelessness. I am not saying it happens to every single man - but it happens to most single man who do not have any family backing or resources, because there is just no way you can afford anything in london on a minimum wage. Those who survive is because they are lucky to have family helping them out.