Hi all, I echo Baldrick and Colin here, we gave up a lot of holidays to get our housing sorted out. We both knew what we wanted and went for it. None of the UK governments ever invested, just paid out money that was coming in, in taxation.
Like most of us we paid our taxes and so it does seem unfair that these days that large corporations can pay less tax into our UK economy than a single empleyee does.
As far as the TV license fee goes I think we all know we are being softened up for a general election, first threaten to take it away then give it back! To me it is all out goings no matter who the recipient is.
With worldwide interest rates so low one can only look to spending no more than you have to. With miniscule interest on savings, switching service suppliers and saving a few hundred can be the same as the interest you would earn on £20K. (assuming you had £20K in the first pace)!
I remember my son in law challenged me on being the winner of an inflation cycle and said "What did you spend the money on"? I said " On my childrens' education"! Seems to have payed off handsomely. He teaches finance at Birmingham Uni, so maybe appreciated my early and rare bout of wisdom.
It is tough out there at the moment and I do not envy any of the younger generations, it needs different thinking now and only they can do it. I watch with interest!
regards Roy