First Time Buyers + Benefits

[pav]

Me and my partner are both 19 and have recently purchased are first house and now have the joys of a mortgage, council tax, bills etc. We have worked very hard to get the house and are both in full time professional positions. We are the only people out of our friends who are on the ladder as it is getting harder and harder for first time buyers.

 

Just though I would have a quick moan because it makes my blood boil when I hear of people I went to school with going out every Thursday Friday and Saturday night getting tanked up on benefits they have from being unemployed and having kids whilst we sit in watching T.V (license paid) because we cant afford to **** money up the wall.

 

It would be quite easy for us to have a baby and then sit around doing nothing all day earning benefits and getting the mortgage paid. I could even use the tax payers money to buy my cartridges!

 

We saved up to go on Holiday last year, we could only afford one week – there was a bunch of loud mouthed people next to us smoking with their babies getting sun burnt saying ‘wish we could have stayed a month but 2 weeks is ok considering we got it on benefits’

 

Anyone share my anger?

[Dunkield]

There will always be spongers Pav that one of the facts of life, you may be skint now, but if you own property you are the the rung of the ladder, and are putting money into one of the steadiest investments there are.

 

It will seem like misery now, but just wait until you have a few £100,000 collateral and those spongers still have what they have now i.e. just enough for a few packs of fags and some scartch cards once a week.

[fiiish1987]

I know what you mean. There are some people who just take idleness to a new level. A guy i used to be friends with is a prime example. He went to college and got his A levels (good on him). Then instead of going to further education (which he was quite capable of) or getting a job, he's sat at home everyday doing nothing! He's living with his mother who is not charging him rent and so he has no incentive to work! He lives 5 minutes from the job centre yet he can't even be bothered to sign up! He just asks his mother for money and blows it on beer and pot!

 

In short, he's another waste of space. :yp:

[MC]

Pav,

 

Good on you mate, Yes I do share your anger at the spongers. But to be honest I would rather have a house and car etc than go on the p*** every night. Maybe it is my age but I actually enjoy going home from work, spending time with my dog and other half(some of the time) and doing what I want to do.

 

I appreciate how hard it must be for people trying to get on the ladder, my best mate is in the throws of buying a house and it scares the living daylights out of me to think I pay all my bills and mortgage for a lot less than his mortgage alone. And I finish my mortgage in 2 years time.

 

The sweet selling business must be doing OK :yp:

 

Don't get the taxman to buy your cartridges, just go and visit your Dad before you want to go shooting.

[Cranfield]

Its also a matter of a simple thing called, "personal pride". :yp:

You obviously have it and are to be congratulated.

 

This is nothing new, I went to school with and have grown up with, people that have chosen the benefit route (I am not condemning genuine cases).

As we have progressed in life , we have seen them falling behind.

It will happen, just wait and see.

[BountyHunter]

Good on you, I've only just managed to get on the ladder and I'm 35!

 

BH

[Highlander]

Like father like son you gonna be voting BNP as well? :yp:

 

I'm with the others on this...don't waste time on space wasters. It is hard when you start out but it gets better and at the end of the day you'll be a winner and all those spongers will get their just reward. Imagine how they (in their lucid moments if they have any) feel when they realise how they've wasted a life.

 

French Connection UK 'em I say and get on with your life...enjoy.

[MC]

And,

 

most of the people I went to school with had babies while we were still at school ( it was a nice area)

 

Also,

 

If you dad is out of cartridges pop round to see highlander, he will have some. :yp:

[pav]

pop round to see highlander

 

Highlander got some cartridges made up which are naff, he fobs people off with those whilst he uses Bismuth!

 

He did sort me out with some fishing gear though so can't complain! :yp:

 

When you having another BBQ highlander? Was good fun watching you chuck sausages on the floor

[Lord Geordie]

Not all us people on Benefits should be tarred with that filthy brush :yp:

 

I WAS working and looking after my son on my own and fitting in a 50+ hour week some weeks BUT after Child care-rent-council tax-clothing expences and food are taken out i was actually in DEBT as i had to BORROW money heavily as i was only making £160ish a week driving a bus on different shifts each week and that made child care really difficult.

 

Near £70 a week in rent and £25 in Council tax alone BEFORE hefty childcare costs what option did I have?

 

Even with Tax credits and Council tax help i would be LUCKY to break even

 

I never asked my Wife to sleep with another guy!

 

I wasn't going to turn my back on my Son when she walked out either.

 

I had to make a decision as a FATHER first before pride came into the equasion

 

I ALSO have to look after my Parents when they need things done. Running my Mother shopping as she sufferes from chronic Emphasima and can't even walk 200 yards to the bus stop without sucking her inhaler dry and my Dad has not long since had a Multiple heart Bypass. Neither are getting any better.

 

My son had a bad time in childhood as he had speech difficulty and was almost deaf due to a problem with his ear canals etc.

 

He has been kept BACK a year at school so he can catch up as it has been difficult as he was REFUSED a place in a special school to help kids like him as they were closing them down and he ended up in MAINSTREAM schools and bullied because he wore hearing aids.

 

When most of us have Kids it's NOT because we want to bleed the system. In My case his Mum AND I were working and could more than afford to support our family. I happened to want a Child to pass on Love and affection NOT to get an extra £17 a week in child benefit.

 

I resent the above accusation as it seems to point to ME as well as other's on Benefit.

 

Granted i KNOW you get the teens from school not wanting to work so they get pregnant but that was NOT the case with Myself

 

I have worked from leaving school till around 6 years ago as bringing up a child single handed takes a LOT more effort than most seem to think.

 

Beleive ME i can speek from experience i would rather work 40 hours as it's EASIER than bringing up children but as i Say i need to be a Father first i will NOT let my son down.

 

Besides in another few year he will be old enough to walk home from school by himself and make his own tea and i CAN go back to work.

 

AND i will do so GLADLY.

 

I am NOT a sponger nor am i a lazy biggot it's HARDER to raise a child on your own than it is to work a 40 hour week.

 

There ARE genuine cases out there among the TRUE spongers.

 

Jusy MY humble opinion

 

LG

[MC]

LG,

 

I am sure that no-one means any offence to you at all. For every 1 person like yourself that is genuine there is another 20 queueing up with their hands out.

 

The biggest problem with the whole benefits thing is if you are genuine it is hard work to get anything. If you are a sponging lowlife then things get handed to you on a plate.

 

Fair play to you. :yp:

[pav]

Lord Geordie,

 

Apologise for the generalisation of my post - I am aware that there are genuine honest and decent people out there like yourself - my post was aimed at people of a similar age to myself who have given up at the first hurdle.

[Graham M]

.................................................

[fiiish1987]

LG- I'm sorry if any of the posts have offended you. As pav has said there are many decent people like yourself who are genuinely in need of benefits and i'd like to add that it is good to see a decent father looking after his lad.

 

It's just a shame there are too many rotten eggs around. I've know of others who waste benefits on a new guitar every month. :yp:

 

The idea of sponging starts at a stupidly young age. When i was at 6th form some of us (including myself) were allowed an ema grant for funding things like stationary, books, clothing etc to make college life a little easier. However alot of students used it for booze, laptops and pretty much anything else that had no relevence to what it intended for.

 

The thing is if they think they can get away with it then, then they'll do it again (esp if there parents are doing it as well)

 

Cheers

[throdgrain]

Stick with it Lord Geordie.

 

As far as the benefit thing goes, its comical imo. Ive just been made redundant ,and dutifully signed on striaght away. Its now been three weeks, coming up four, I havent had a bean off anybody, and it looks unlikely I will for the forseeable future. Ive paid at least £160 a week in tax every week for the last 14 years, and what do I get? **** all. Makes me mad :yp:

[darebear]

totally agree with cranners. its about pride and self respect.

 

and lg, i presumed pav was talking about wastes_of_space on benefits, not people like yerself.

 

the house market has also got a lot of answer for. if house prices werent so ridiculous, you'd be able to enjoy your property anddddddddd get lashed on a weekend :yp:

[henry d]

I think another direction you could explore is the fact that house prices went beserk,due mainly to greed,in the 80`s and therefore anyone,myself included,who had a house/mortgage then could quite reasonably be regarded as putting young people in the unfortunate position that you now find yourself in.

 

On another tack,I have only been unemployed for 8 months in 29 working years and when I retire,even though it is before bus pass time,I will not be able to claim benefit even though by then I will have been contributing for 34 years Poop happens! but at least I have my pension to rely on and maybes a wee job in Asda :yp:

[darebear]

henryd, could you show me where the tissues are?

 

:yp:

[henry d]

Next to the Cheque for £70k and the £18k/year pension book :yp:

[darebear]

awwwwwwwww uncle henry <big hug>

 

 

...... so...... sorted your will out yet? huh huh huh? <big winning smile>

[the last engineer]

your a strong man LG power to you, having had the EX and my boys leave for blighty 12 years back it was hard for me as well, you have to make personel sacrafices, i figured going back to blighty with them would

1/ be detrimetal to my well being health and ability to provide

2/ p*** me off enough knowing she could milk my **** to the max

3/ depress me watching the rest of the spongers get away with murder.

i stayed here where i could earn a desent living and send back enough to cover their well being, i figured that way both my own family and hers could see the kids grow.

 

 

as others have said you have nothing to feel ashamed of, i beleive the target of the post was those who give you a bad name, i watched them for years, down town charlie browns sponging everything they can, i left England to try and make a better life, i got lucky, worked hard and am happy here, keep at it buddy as Cranfield said its a matter of PRIDE you have it

 

 

 

Martin

[njc110381]

Fair play to you pav, getting a place of your own so early in life. Take pride in the fact that you are looking after yourself, don't worry about all the benefit grabbers having an easy life because they will always exist. Just remember how much better than them you are. Take the pleasure of knowing that when you retire everything you have was worked for, and nobody but you or your partner has contributed. I'd be happy with that. As for LG, take whatever you can get from the state. As you say, you used to work all the hours you could get, and pay your taxes like the rest of us. It's only the way things have worked out for you that have stopped you working, not lazyness. All you are doing is taking back some of the taxes you were paying when you were working, nothing wrong with that! If all the benefits went to people like you, I'd have no problems with it. I have nothing against helping people, as long as they deserve help.

[kirky640]

i have read these posts with great interest, and can say there is many different storys out there.

i was lucky and when i was 21 bought my first home and nuckled down and stayed out the pub most

of the time i sold it for 3 times wot a payed for it , lady luck was watchng over me i then bought the house i live in today.

boring you say but my grump is that we now have two lovely kids sara 4 and andrew 2 wots he on about

 

 

right its like this family tax credits, =cash for child care etc fine, but because i under estimated my earnings

for last year im now one of 100s having to pay back a large some of money ie 1400 quid this is poo as this is = to a months wages or there abouts

the reason for earning more was far more over time than exspected

so this now tells me to work less and claim more

 

the system is all rong for these credits as i see it

 

so as i see it if i took a month of last year i would of had lots of time to shoot pigeons and lots of time to spend with the kids and mrs, and still be as well off

 

can you see my point and anyone else in the same position

 

cheers and thanks for reading

 

kirky

[magman]

i have read these posts with great interest, and can say there is many different storys out there.

i was lucky and when i was 21 bought my first home and nuckled down and stayed out the pub most

of the time i sold it for 3 times wot a payed for it , lady luck was watchng over me i then bought the house i live in today.

boring you say but my grump is that we now have two lovely kids sara 4 and andrew 2 wots he on about

 

 

right its like this family tax credits, =cash for child care etc fine, but because i under estimated my earnings

for last year im now one of 100s having to pay back a large some of money ie 1400 quid this is poo as this is = to a months wages or there abouts

the reason for earning more was far more over time than exspected

so this now tells me to work less and claim more

 

the system is all rong for these credits as i see it

 

so as i see it if i took a month of last year i would of had lots of time to shoot pigeons and lots of time to spend with the kids and mrs, and still be as well off

 

can you see my point and anyone else in the same position

 

cheers and thanks for reading

 

kirky

 

when i was employed i would never let the wife work for that reason .

sound,s daft but she would have worked for nowt

[kirky640]

i have read these posts with great interest, and can say there is many different storys out there.

i was lucky and when i was 21 bought my first home and nuckled down and stayed out the pub most

of the time i sold it for 3 times wot a payed for it , lady luck was watchng over me i then bought the house i live in today.

boring you say but my grump is that we now have two lovely kids sara 4 and andrew 2 wots he on about

 

 

right its like this family tax credits, =cash for child care etc fine, but because i under estimated my earnings

for last year im now one of 100s having to pay back a large some of money ie 1400 quid this is poo as this is = to a months wages or there abouts

the reason for earning more was far more over time than exspected

so this now tells me to work less and claim more

 

the system is all rong for these credits as i see it

 

so as i see it if i took a month of last year i would of had lots of time to shoot pigeons and lots of time to spend with the kids and mrs, and still be as well off

 

can you see my point and anyone else in the same position

 

cheers and thanks for reading

 

kirky

 

when i was employed i would never let the wife work for that reason .

sound,s daft but she would have worked for nowt

yes i know what you mean her indoors only works 17 hours a week any more and it would not be worth it.

it is sad when you have to work things like this to get money . but we pay plenty tax so we claim every penny back we can