Thinking Love, No Twaddle

Frugal Living- thanks to the 44% extra tax we pay.

Posted by: mum6kids on: July 7, 2009

This article in the Daily Mail has been doing the rounds showing how one income families with a mother in the home are paying 44% more in tax than the rest of the developed world. I don’t know whether the research also took into account the higher cost of living over here as well.

One or two of the comments about how individual families struggle so much because mum is at home struck a cord. I’m not sure I believe in ‘frugal living’ any more. Or rather I am not convinced it is possible to have a family with one wage and stay out of debt. In reality all that happens is we put off and put off buying what’s needed until in the end we have to buy a load of stuff in one go, blowing any hope we had of pulling back some cash. Mind you the fact that I have just spent loads on curriculum material means I got a 10% discount. lol.

It seems to me the level of tax imposed on single income families constitutes theft. It would be good to know a Tory Govt would put a lot of this right; but they seem rather quiet on the matter of being pro-family.

So, how to beat them eh? On the whole I don’t think we can; but we don’t need to cave and join them either. There are ways of keeping the inevitable debt down.  But more than that be careful how you think and don’t get tempted to horde stuff for fear you will never be able to replace it if you ever need it again. On the other hand don’t be throwing out things you will need again. Try not to think that you are entitled to stuff because others have it. I would guess this is harder for people who have had to give up a lot of things they once had, than for those of us who have pottered along like this for a long time.

SHARE what you do have. I think this really is the way to make small amounts go a long way. Children’s clothes are great for sharing as is food and for the home edders curriculum stuff. SHARE time and any talents you might have as well. In this way an alternative economy can work. Don’t do it on a tit for tat basis. Just give what you have more of and see what happens.

I am also very keen that the children learn to take care of one another. I really think a lot of the struggles families face in paying bills is because there isn’t enough sharing going on. I am hoping my children have learned that they are ‘my brother’s keeper’.  They don’t need to spend money on ’stuff’ and lots of holidays and meals out while one of their own is struggling to pay the gas bill.  I also want them to be there for each other in a crisis. There is something utterly soul destroying about trying to cope with a serious family crisis with no support from family, and I am teaching (I hope) my children that this must not happen.

The way to beat this Govt at their anti-family game is for families to work even more closely together and God will take care of the rest :)

9 Responses to "Frugal Living- thanks to the 44% extra tax we pay."

Interesting post – i’ve just finished writing a Simple Living post that i will publish on the blog tomorrow!

You know frugality is something that i’m very much trying to adopt in my own family, but it seems that at every turn there is yet another bill to pay, yet another hike in prices for utilities etc, and yet another advertisement for some gadget or other.

I completely agree with you that sharing is the way to go. I joined freecycle a whole ago as i thought i could donate things i no longer needed or used but i was spammed out with hundreds of emails every day so i quit. I donate it all to charity, to my parish to raise funds, or i give things away to friends or family who have a use for something i don;t need or want.

I have another post in the pipeline about books…i used to Bookmooch books but from now on i am going to use Bookcrossing instead. I have two boxes full of books ready to give away. I wish i knew more people who needed bric a brac and household stuff though. I give good quality clothes to clothing charities…there’s was a bin bag of stuff i gave to them last week, can;t remember the name of the charity but i think it was started to raise funds for a young man with cancer, and now his mother keep the charity going so others can benefit form the funds generated by clothing recycling.

About the family stuff, i couldn’t agree more. I so want my two children to be there for one another. But i see signs even now that that may not be the case. I hope i am wrong.

44% more than dual income? Yikes.

We’re about to be put under “cap and trade” and if that lasts long, I may have to join you in the belief that debt is unavoidable.

I know I can cut back more, but it will require more work and attention on my part, but it’s about come to that. We were almost poor once (i won’t say poor because we never truly went hungry) so I used to live pretty frugally. I can do it again. As long as the truck quits breaking down and eating our cash. *sigh*

Just starting to catch up on blogs after our trip. Nice to “see” you again!

Poor is something Uncle Ed Balls will not experience

Deb: I think sharing is the only way to stay above the bread line. Damn it we share food with other families so there is enough to go around.
I get irritated with the adivce to give up a couple of take aways a week or cut down the night out or don’t buy a new car…ye gods we can’t THINK about those things we are just paying for food, heat, and a roof over our heads. Nothing left for take aways and nights out after that-rarely anyway.

BWYA- I pray you lot get rid of your new socialist gov in the 4 yrs. I really do. I am bewildered that so many people, who must know us Brits by now, voted for what we have to struggle with here. I just hope you are free of it all soon.

Bubble- Ed and his Missus were deep in the expenses trough I believe. No they won’t ever have to wonder how to pay the gas bill.

Uncle Ed Balls will never have the worry of debt I wonder what fine restaurant Ed Ball and Yvette Cooper(wife) will eat in this week you think they pay more than 20 pounds for a bottle of wine? or should i say we pay as tax payers for his/her meal.

I wonder what Truck uncle Ed drives?

well, you know, so many looked at (as an example) your health care system and thought it was so ideal… though they never thought about all the people who had to lose vision in one eye before they got the meds (that could have prevented it) in order to save the other eye… and so on.

Too many Americans are lazy and too many want something for nothing. They see socialism as a cure for their ills as long as you don’t call it socialism!

I don’t know how they (meaning those who voted “TheWun” in) could even think about doing it again. It’s already a disaster, but I fear that things will be so bad that everyone will be too afraid to try “change” again.

Our health care system IS ideal-just so long as you don’t actually get ill. If you actually need treatment then like me you get into debt paying for it. My friend has even been forced to go private for part of her breast cancer treatment!

My oldest is still looking to America as the only free country where he can set up his Catholic drama workshops and produce stories and plays for Catholic radio and TV. That simply can’t happen here in the UK-the law wouldn’t allow him. NO freedom here.

I hope he finds the freedom he needs when he gets here. What a wonderful endeavor! My drama/theater loving kids would love that!

Thank you I hope he can do it too :)

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