Dont leave it Grant, find out. The information is there on the government website. You just need your N.I number.
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The lower working class often live in poorer housing stock in poor areas. This is bad both for moral and health.
Thus many try to buy a house to get out of this dump causing them to have to work more, get stressed more etc.
It's a catch 22 really for many. Working class men in n of England were likely to live 25 years less than more affluent southern equivalent
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The question I ask myself is how much money do you need to live on? I suppose it all depends on your anticipated expenditure after you have dealt with the essentials such as food and household bills. I would also account for all motoring costs and TV license etc. Also I would presume to have paid off mortgage and have no rental costs. So I have done the calculations and I get to £800 per month for a single person which is about £10000 per year. Ok this would be pretty frugal but you could live on it.
Where it gets complicated is when you try and account for holidays, new cars, replacement items such as a washing machine or boiler and inflation. So I have calculated you would need about £20-30000 as a safety net fund. Of course if their are two of you and you both live together and put £800 each into the pot things look much better. But this was the bare minimum I calculated you needed to live.
If you have grand holiday expectations, want to dine out often and change your car regularly then this blows this assumption out of the water. I would recommend then building a war chest of £100000 on top of this to indulge in this sort of retirement plan!
I live fairly frugally now and don't spend money unnecessarily especially as I am still saving to retire and I like the challenge of a frugal life as it can be more rewarding and you appreciate things more.
My essential bills are under £200 a month so allowing a tenner a day walking around money I reckon I could do it on £500.
I could actually move to the other family home and live for sod all. Let the others pay, I paid for them long enough! I've reached the point where I can't really think of anything I want to buy, as I have everything I need.