Friday, 20 September 2013

money makes the world go round

I have been continually surprised by the level of importance different people put on different things.
The recent quote or misquote, I really don't know, from Jamie Oliver I thought captured it perfectly.

In essence I think that he is right.  I have had jobs which have involved me going in to peoples houses and I saw this.  I saw the families without enough money to buy dinner, but the flash TV's and stereo, three or four games consoles with all the games to go with.

No that we are house hunting I also see it.  We go in to people homes and see the most appalling levels of cleanliness and takeaway boxes piled up, the pictures on the wall of the fat kids and the biggest TV's.

I know that it is easy to judge.  
I know that I am in a different situation to most.
But somewhere it is going wrong.

I recently sat with two senior members of staff who were earning upwards of £80,000 each.
They told me that I didn't know how lucky I was because I could afford to shop at Ocado.

I couldn't explain myself well enough to be able to tell them that I think they have very different priorities to me, but also that I find it insulting that when their combined salaries with their partners is roughly 7.5 times the average household income in the UK (wiki, £24000 gross) they claim to not be able to afford to shop anywhere other than Asda.

I make a choice with my income.  I work hard for it.  I decide what I want to spend my money on.  I sometimes make mistakes.

I priorities quality food and longer term purchases.

I save for the larger purchases and don't believe in buying what I can't afford.

I grew up in a household where we paid for things in advance.  Where we saved.  Where the day to day was the priority and not the credit.

I worry that as a generation who have had credit thrown at us we have lost the ability to plan for purchases.  I worry that by the time we have saved for the purchase the purchase has gone due to the fast fashion nature of the commercial world we live in.

I worry that can no longer plan.

Rant over.  Time to create a savings plan.

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