Welfare cuts? What cuts?

Permabear

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wicklaman83

are you on social welfare

Permabear

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Hogzy

Most people just wanna fight with the government because you could never be happy with a decision taken by FF.TBH i was expecting ALOT worse

ParkRunner

The social welfare bill may have decreased by 4% but it will affect individuals differently so some will be taking a large hit while others will be relatively ok. Averages distort reality unfortunately.

waraf

I was on the dole for the first 8 months of this year and I can tell you that when you're on the dole every penny counts. The bank still want their mortgage payment every month and the credit union need that car loan paid back so if you manage to save a few quid on groceries there are plenty of other things in your life that wil absorb the cash pretty arn quickly.

Permabear

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Permabear

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dvpower

donegalfella wrote: »

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I just hope my employer doesn't apply the same logic to my pay.

Stark

waraf wrote: »

I was on the dole for the first 8 months of this year and I can tell you that when you're on the dole every penny counts. The bank still want their mortgage payment every month and the credit union need that car loan paid back so if you manage to save a few quid on groceries there are plenty of other things in your life that wil absorb the cash pretty arn quickly.

If it's enough to buy you a house and a car then there's something wrong. Many of the people contributing the taxes to pay for the dole can't afford those things.

dvpower

Stark wrote: »

If it's enough to buy you a house and a car then there's something wrong. Many of the people contributing the taxes to pay for the dole can't afford those things.

A big chunk of people currently on the dole are recently unemployed. They would have bought their cars and houses before they became unemployed (and at a time that the prospect of becoming unemployed was remote).

I agree that the dole shouldn't (and doesn't) cover these items, but I do think there is a case for a higher rate for the recently unemployed, to help ease them into poverty or else to ease the pain a bit until they get a new job.

ParkRunner

donegalfella wrote: »

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I agree social welfare has created a situation where it is possible to live a relatively comfortable life with no incentive to go out and do something with their life, for those who choose to live this way.
As I see it one big barrier to coming off welfare is the cost of childcare in this country and the cost of getting to and from work and the obvious fact that jobs are scarce. Even job searching costs money though, between transport costs, printing off a cv, phonecalls etc.

wicklaman83

donegalfella wrote: »

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As have i been for the last 15/16 years.never been out of work in my life so dont take the high ground with me but it would be interesting to see if you have the same attitude if you were on it

Stark wrote: »

If it's enough to buy you a house and a car then there's something wrong. Many of the people contributing the taxes to pay for the dole can't afford those things.

who said the car and house was bought while on the dole.he said he has been on the dole the 1st 8 months of the year.try read the posts if your going to make stupid arguements

waraf

donegalfella wrote: »

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Good lord that is the most simplistic, myopic, unsympathetic view of the dole. I didn't buy my gaff or my car when I was on the dole but just because a multinational company decides that Ireland is too expensive to operate out of anymore and I lose my job doesn't mean that the lending companies will give me a free pass. I have almost 9000 euro of credit card debt from my time on the dole and my new job involved a 50% pay cut from my previous salary but I'm not out on the streets protesting about it. In fact I'm absolutely delighted about beig able to (just about) pay my own way again. The only thing that annoys me is people like you who obviously have no idea what's it's actualy like trying to survive on the dole.

gcgirl

For those unfortunate people who have lost their jobs and are looking for work are receiving the interest and have to pay the rest towards the mortgage! the grocery bill certainly unless you get the Value stuff something i have always done even when times where good the gas and electric are only recently down a few % and currently companies are competing ageist one another which is a good thing but with the carbon tax coming it's gonna be going go back up, its gonna be over 20 euros for a bag of coal, Cylinder of gas is 32 euro that has not gone down! England's cost of living is cheap compared to here same with France ! childcare keeps going up too there is not such thing as free education and as for Health your fcuked if you don't have private health insurance!

Permabear

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gcgirl

donegalfella Every person pays tax in this country regardless of what position they are in!

Permabear

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ParkRunner

donegalfella wrote: »

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While I can see your point on the car repayments, you can survive without a car, either you pay your mortgage in this country or the bank will repossess your house and leave you with the burden of paying for it for as long as it takes with no possibility of ever getting a mortgage again.

As long as this situation lasts, it would be sickening that someone would lose everything just because they lost their job for a few months

dvpower

EF wrote: »

While I can see your point on the car repayments, you can survive without a car, either you pay your mortgage in this country or the bank will repossess your house and leave you with the burden of paying for it for as long as it takes with no possibility of ever getting a mortgage again.

As long as this situation lasts, it would be sickening that someone would lose everything just because they lost their job for a few months

Repossessions don't happen to any significant degree in this country. No one is going to lose their home just because they can't afford their mortgage repayments for a few months.

ParkRunner

dvpower wrote: »

Repossessions don't happen to any significant degree in this country. No one is going to lose their home just because they can't afford their mortgage repayments for a few months.

They are only going one way repossessions and that is up.
http://www.courts.ie/legaldiary.nsf/ea75dd68239e4b6980256c590060ee70/863a41be7ff4e923802576890043ab8e?OpenDocument
It is the same thing that is stifling entrepreneurship in this country, the banks will chase you for your debt for as long as it takes if you were to fail at a business venture

wicklaman83

donegalfella wrote: »

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because he is on the dole he should let his house and car get repossessed.yeah that makes sense.will you wake up and step in to the real world

waraf

donegalfella wrote: »

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Yes the dole is designed to cover food and general household expenses but that is based on the assumption that you're living in a house provided by the council. However, as this is not that case in my case I still had to pay the mortgage.
I'm glad that you have eough savings to last you for a long time but as I ploughed all of mine into the deposit for my gaff I don't have that luxury.
Anyway, I can't be arsed postig on this thread anymore as you'll just put me in a bad mood for the day with your Thatcherite view of the working classes.
Have a nice day

Permabear

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gcgirl

To be honest i was not stupid enough to buy a house i have been saying it would all fall back in 05 but people thought it was never gonna end easily getting a mortgage and then 2 yrs later they lost their job, We have an obsession with house ownership in this country if any one watched The Savage Eye the other night might get the gist but some people paid 360,000 for houses you might not have paid 200,000 now,the government contributed towards those house prices going up and people wanted a Portfolio of houses !

wicklaman83

donegalfella wrote: »

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whose moaning.they are finding it hard but whose moaning

siscri

darren254 wrote: »

because he is on the dole he should let his house and car get repossessed.yeah that makes sense.will you wake up and step in to the real world

Probably means sell or downsize...which is a good suggestion.

ParkRunner

donegalfella wrote: »

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Hindsight is always 20/20. We are where we are now and while I agree personal responsibility should always be a big factor, I would hope we live in a more civilised society that would not force people into prolonged destitution, while others can live a life of gluttony thanks to government policy and reckless lending practices.

gcgirl

siscri wrote: »

Probably means sell or downsize...which is a good suggestion.

But if you sell to downsize you have to reapply for another mortgage which if you don't have a job you wont get !

Eliot Rosewater

darren254 wrote: »

whose moaning.they are finding it hard but whose moaning

Erm, have you looked at the papers recently? Everyones moaning.

Look the fact is that the 5% drop in COL beats all other arguments. The "fairness" argument goes out the window, as SW recipients are better off this year than last year. You cant argue against keeping SW and Public Sector pay in line with the cost of living.

The dole has appeared to have the effect of creating a system of people with no interest in looking after themselves. How many dole recipients actually had a "rainy day" scheme going like donegalfella? Very few, Id imagine. Then when times get tough they moan and blame it on everyone else but themselves.

siscri

gcgirl wrote: »

But if you sell to downsize you have to reapply for another mortgage which if you don't have a job you wont get !

Sorry I meant your car. But you could sell your house and rent or move in with your folks or whoever.

Diarmuid

dvpower wrote: »

I just hope my employer doesn't apply the same logic to my pay.

I don't know where you work but anywhere I worked my pay increases or decreases had nothing to do with the rate of inflation or the price of house or how many kids I had etc.. I got raises if I was more productive, if I excelled in my deliveries. I didn't get them if I wasn't or if the company as a whole was losing money. IMHO the way it should be.

However on the JSA there are no metrics apart from whether you can survive. That pretty much depends on the price of food, clothes and shelter (rent).

gcgirl

siscri wrote: »

Sorry I meant your car. But you could sell your house and rent or move in with your folks or whoever.

Its alright if your single but if you have a few kids your kind of fcuked!

Permabear

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Jimmyboss

While I am genuinely sympathetic to the plight of the recently unemployed or those who have held gainful employment for any length of time, I find it particularly galling to observe the generations of dole scroungers who have never worked a day in their lives (and don't intend to), driving around in their 09 cars, with the best of fixtures and fittings in their gaffs, not to mention the 50in plasma in the corner.......surely these are the leeches that should be targeted, not the poor unfortunates who find themselves, through no fault of their own in the majority of cases in regard to losing employment, in their present circumstances.........

namenotavailablE

The original poster seems to have missed the fairly obvious flaw in his assertion that social welfare hasn't been cut. The simple inarguable reality is that social welfare rates were cut in a number of areas.

To argue that because inflation in certain areas is negative for the past 12 months is to miss the point- recipients of social welfare are now relatively worse off as a consequence of the budget. In order to 'stand still', the price of goods would need to further decline in proportion to the social welfare cuts. If this doesn't happen, the social welfare reductions mean that the recipients are worse off.

gcgirl

My rent was increased believe it or not, Clothes are the same i have always shopped in Penneys, Food the same have shopped in lidi since it came here, I'm not on JSA by the way!

gcgirl

Jimmyboss wrote: »

While I am genuinely sympathetic to the plight of the recently unemployed or those who have held gainful employment for any length of time, I find it particularly galling to observe the generations of dole scroungers who have never worked a day in their lives (and don't intend to), driving around in their 09 cars, with the best of fixtures and fittings in their gaffs, not to mention the 50in plasma in the corner.......surely these are the leeches that should be targeted, not the poor unfortunates who find themselves, through no fault of their own in the majority of cases in regard to losing employment, in their present circumstances.........

Theres a certain portion of people who are going to pick up their kids from school in their 09 jeeps and have not paid a cent in tax their whole entire life need to be somehow cut from the Social there also the ones who were pjs during the day!

ntlbell

darren254 wrote: »

are you on social welfare

why does one have to be on the social welfare to do simple math?

old boy

it is a case of try it then see if you like it, 99% hate it, one has to budget everything, the old saying lies damm lies and statistics, come to mind, when i was able to work i had donegals attitude, now after 12 long years of incapitation, and as i will never again work the rosey hue is gone from my glasses,
norman tebbit is alive and well
the quality of life is not there, no nice clothes, no nice food, no trip to the pub or club, no decorating the house, no nice furniture, everything one buys has to be either bargain basement or used
living where i am and many more in areas like me, no public transport, no street lighting, no public water or sanitation any thing you need you have to supply it your self,
depression envy and anger are daily occurences,
no grant aid of any discription you are told it is there until you apply, then you are told the money is not advailable
if you require work done for sanitation tough titty
work to a bathroom so as one can wash and shower tough titty
i know as i require assistance in the shower, i cannot afford to change things, i cannot get any aid towards it either,
as a matter of fact i am waiting over six months to have my telephone allowance transfered
the thread starter was able to get educated in an ivy league collage in the u.s. fair play to him, a great advantage over the vast majority on welfare, plus an assurance that he never will be on welfare,
then again there is an old saying how the might are humbled, i do not wish this on him or any other poster, but please realise there are two sides to every story

ntlbell

gcgirl wrote: »

My rent was increased believe it or not, Clothes are the same i have always shopped in Penneys, Food the same have shopped in lidi since it came here, I'm not on JSA by the way!

I'd have packed my bags before the landlord finished the word incre...

Where I generally buy clothes the prices have came down min 25% and up to about 50% in some places.

I have reduced my food bill by about 40% i mostly shop in lidl/aldi too but will shop in different places for different items

My overall outgoings have come down on avg 35-40%

if people aren't seen reductions, thery're doing something wrong

ntlbell

waraf wrote: »

Good lord that is the most simplistic, myopic, unsympathetic view of the dole. I didn't buy my gaff or my car when I was on the dole but just because a multinational company decides that Ireland is too expensive to operate out of anymore and I lose my job doesn't mean that the lending companies will give me a free pass. I have almost 9000 euro of credit card debt from my time on the dole and my new job involved a 50% pay cut from my previous salary but I'm not out on the streets protesting about it. In fact I'm absolutely delighted about beig able to (just about) pay my own way again. The only thing that annoys me is people like you who obviously have no idea what's it's actualy like trying to survive on the dole.

why were you using your credit card to the tune of 9k when you knew you didn't have the income to finance it?

ntlbell

gcgirl wrote: »

But if you sell to downsize you have to reapply for another mortgage which if you don't have a job you wont get !

then you rent till you can afford it.

gcgirl

ntlbell wrote: »

I'd have packed my bags before the landlord finished the word incre...

Where I generally buy clothes the prices have came down min 25% and up to about 50% in some places.

I have reduced my food bill by about 40% i mostly shop in lidl/aldi too but will shop in different places for different items

My overall outgoings have come down on avg 35-40%

if people aren't seen reductions, thery're doing something wrong

I'm actually local authority housing completely depends where you shop but most of the time bargain rail in Penneys for me kids deals are great no Next kids for me please , if you shop at Dunnes/Tesco/supervalu when you shop at aldi/lidi you notice the difference straight away and there is nothing wrong with the quality of stuff there,gas & esb are only down since may did not kick in till bill 2 months after that then the deals between switching suppliers, solid fuel keeps going up lucky me though has gas, my gran does not she pays out a hell of a lot between gas cylinders and coal and the rest which has only seen increases !

gcgirl

ntlbell wrote: »

then you rent till you can afford it.

Had to laugh there i may have made some mistakes in life but buying a house was not one of them!!:D

ntlbell

gcgirl wrote: »

Had to laugh there i may have made some mistakes in life but buying a house was not one of them!!:D

Sorry, I didn't mean you personally, just in general.

Exon

Considering rent is 150 a week and you're going on about 'what cuts'!?

Rich boy noob tube!

ClovenHoof

I went on the dole during the summer after the company I worked for went bust. To be honest I do not think I am ever going to bother working again. My standard of living has increased mainly due to my transport bill being shot.

I am only joking, I am looking for another job, but to be honest the dole is pretty good. These professional dolies who whine about how horrible their lives are as bad as the Civil Servants.

ntlbell

Exon wrote: »

Considering rent is 150 a week and you're going on about 'what cuts'!?

Rich boy noob tube!

huh?

ei.sdraob

EF wrote: »

It is the same thing that is stifling entrepreneurship in this country, the banks will chase you for your debt for as long as it takes if you were to fail at a business venture

no they wont

i know someone who pissed away 3million AIB loan

declared bankruptcy, and is now running a company (directorship is in his wifes name) and is recently became a director again (breaking the law, but seems no one checks)

the said company recently duped Enterprise Ireland out of 300K in exchange for 49% share of the "enterprise", doesnt pay its suppliers and inflates the number of employees in order to milk other grants, they milk revenue by claiming tax relief due to "research", havent filed account in 2 years (illegal)

i taught this company would go out of "business" by now, but no these cowboys are still around, and Enterprise Ireland keeps giving them money since if the media found out it would make them appear to be on same shelf as FAS

Jimmyboss

gcgirl wrote: »

Theres a certain portion of people who are going to pick up their kids from school in their 09 jeeps and have not paid a cent in tax their whole entire life need to be somehow cut from the Social there also the ones who were pjs during the day!

HEAR HEAR!!!!!!!:mad: