Being skint


#1

Anyone else skint? Just under three weeks until pay day - how do people manage to cope financially for a full month?


#2

half my wages go towards my (London) rent, so I live paycheck to paycheck.

idk, I’m used to it now. Don’t go on holiday unless its free. Manage to get in a few pub sessions a month. Luckily, most of my friends are in the same boat, so we just arrange to do things that are free/cheap like sit in the park and drink tins.


#3

payday today… sooo… not really :slight_smile:


#4

I’m skint. It’s shite. To be fair, it is due to a house purchase, which isn’t an awful thing to have happened. And it does give me an excuse to avoid the Edinburgh festivals.


#5

The Edinburgh festivals are part of the reason why I’m in this mess :frowning:


#6

not got much to spend on myself after rent
got river views though :nail_care:


#7

I’m skint because my pay is shit and I’m paying off other people’s debts - it’s a deadly combo! Somehow scrape by though.


#8

How come you’re paying off other people’s debts?


#9

im ok atm money wise, but looking at flat deposits, that’s not gonna last.


#10

Same. It is shit.


#11

Because I’m a sap who tries to help and then gets taken advantage of! I really should be much more cynical about people!


#12

Ah, mine’s because my ex wife absolutely shafted me. Yours is more noble.


#13

I’ve been skint for about 18 months now…been getting by on nhs bursary and a few shifts here and there…but they have become more infrequent as the university workload ramps up.

I am very lucky to be in a situation where my partner has just been able to get a house through part-mortgage/part-inheritance, and we have enough to get by day to day. It just sucks when you can’t really contribute much to the household…although she always tries to make decisions jointly I usually abstain because it’s never my money. It just saps your feeling of independence, somehow.

Should be getting my first paycheck around the end of february. Cannot come soon enough


#14

Well to be fair, it’s my other half so mine is on the lesser end of that same spectrum!


#15

I’m skint, I’ve been skint since I left home for university principally, I admit, due to a lack of foresight and bad planning on my part, but now I’m sole earner for a family of three and frankly, it really, really bites. I work pretty hard, and I’m still struggling. We’re lucky we live in a cheap part of the country, and tied our landlord into a contract that holds our rent below market value for a couple of years. It gets on top of me horribly sometimes, but we do everything we can to make our quality of life enjoyable.


#16

Payday was Friday and I’m already just waiting for the daily text messages from HSBC. “We agreed an informal overdraft to cover payment(s). To avoid further £5 daily fees…”

Urgh.


#17

I don’t like this with my like, but I do know it.


#18

CWBAFT


#19

Still never worked out what that stands for. Google just brings me here.


#20

Like Mark says.