FabSwingers.com forum: Who's feeling the financial crisis

By *unfriendly 123 OP Man
over a year ago

boston

It's gna get allot worse...we all gna feel the pinch

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By *icecouple561Couple
Forum Mod
over a year ago

East Sussex

We started noticing a few months ago when our food and petrol bill increased

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By *unfriendly 123 OP Man
over a year ago

boston

If when shopping online every is slowly going up

Even my firewood when up 50 percent

Scary if interest rates goes as high as predicted

People will loose there homes

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By *icecouple561Couple
Forum Mod
over a year ago

East Sussex

"If when shopping online every is slowly going up

Even my firewood when up 50 percent

Scary if interest rates goes as high as predicted

People will loose there homes "

Yes, they will. Also people will live miserably

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By (user no longer on site)
over a year ago

I've started buying wine in bulk to save money.

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By *ssex_tomMan
over a year ago

Chelmsford

Not in the slightest..

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By *enrietteandSamCouple
over a year ago

Staffordshire

"It's gna get allot worse...we all gna feel the pinch "

Not me.

Life is absolutely fantastic

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By (user no longer on site)
over a year ago

I've got an elctric clothes drying rack that I bought recently. It doubles up as a heater and takes the cold out the room for about 12p for an hour or 2..rather than putting the main central heating on. .

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By (user no longer on site)
over a year ago

"I've got an elctric clothes drying rack that I bought recently. It doubles up as a heater and takes the cold out the room for about 12p for an hour or 2..rather than putting the main central heating on. ."

That the aldi one? I have one I got 2 years ago. Will probably be using it in the future.

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By (user no longer on site)
over a year ago

That the aldi one? I have one I got 2 years ago. Will probably be using it in the future."

The original review I read about a few weeks ago was from dunelm, but ending up getting a similar thing from amazon . .(they seem to undercut everything..the earth, soon to become a giant amazon warehouse..)

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By (user no longer on site)
over a year ago

I don't pay taxes or claim benefits I just earn as I go. I'm just noticing the price increases everywhere.

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By (user no longer on site)
over a year ago

"I don't pay taxes or claim benefits I just earn as I go. I'm just noticing the price increases everywhere. "

I live in a tent my overheads are very low

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By *rontier PsychiatristMan
over a year ago

Coventry

Not yet. I've massively cut back expenditure a couple of months ago and putting in some overtime. But I can see the financial situation becoming bigger than the War Chest I've been building. So I will, I have no doubt of that. My union is still dispute with the company and more industrial action is on the cards, so that should wipe a good bit of my reserves. However its a fight we must fight, as those before us fought. If we don't we'll continue to lose and be walked over year after year. If you stand up for yourselves you may lose. If you don't you always lose.

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By *irtuousBullMan
over a year ago

lake district

Currently in the process of buying a house and absolutely bricking what could be to come when I move in, just hoping everything will be ok

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By (user no longer on site)
over a year ago

"I don't pay taxes or claim benefits I just earn as I go. I'm just noticing the price increases everywhere.

I live in a tent my overheads are very low

Do you use those things that look like teabags, that warm up for about 12 hours? ( I love them when I'm hiking in the middle of nowhere)..or do you get a small fire going?..

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By (user no longer on site)
over a year ago

I'm going to get one of these

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By (user no longer on site)
over a year ago

I'm going to get one of these

Lakeland do a good one..

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By *unfriendly 123 OP Man
over a year ago

boston

My log burner gives me 5kw of heat....I run that for 150 a winter

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By *iger4uWoman
over a year ago

In my happy place

Food prices are up loads.

Petrol has come down. Well until last week.

Only got to consider my needs, so im careful but not struggling.

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By (user no longer on site)
over a year ago

"I don't pay taxes or claim benefits I just earn as I go. I'm just noticing the price increases everywhere.

I live in a tent my overheads are very low

Do you use those things that look like teabags, that warm up for about 12 hours? ( I love them when I'm hiking in the middle of nowhere)..or do you get a small fire going?.."

I'm in southern Spain At the moment camping behind a garden centre. I don't need heating and don't really cook stuff right now. Shops are so close. I'm in a house for a couple.of weeks. Do you mean hand warmers?

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By (user no longer on site)
over a year ago

The biggest expenditure for people is a mortgage (assuming you have one). For people whose mortgages are about to change, expire etc..it will be a huge shock as rates will exceed 6 per cent, probably even higher within the next year. Grab the cheapest 5 year rate as soon as you can. Studying economics is a curse

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By (user no longer on site)
over a year ago

Lakeland?

Anyone got a link for one? I’ve got a washer dryer and I really want to stop using the dryer fully

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By *rumpyMcFuckNuggetMan
over a year ago

Den of Iniquity

I have one of those.. Marvellous invention

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By *MisschiefxTV/TS
over a year ago

London

I've had a huge cock in my ass for a couple of hours of vigorous sex before but that's not even close to the fucking this dipshit government is handing out.

At this point the only thing lubing it is blood.

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By *ady LickWoman
over a year ago

Northampton Somewhere

"The biggest expenditure for people is a mortgage (assuming you have one). For people whose mortgages are about to change, expire etc..it will be a huge shock as rates will exceed 6 per cent, probably even higher within the next year. Grab the cheapest 5 year rate as soon as you can. Studying economics is a curse

It would probably be worth paying the early exit fee and getting a decent deal if you can find one. Thankfully we are fixed for another 3 years. If only I had a crystal ball

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By *emorefridaCouple
over a year ago

La la land

Lakeland?

Anyone got a link for one? I’ve got a washer dryer and I really want to stop using the dryer fully "

Mines from Lakeland, I wouldn't be without it. Saves loads on ironing also

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By (user no longer on site)
over a year ago

Yep been feeling it a long time despite a 6k pay rise

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By *ansexualPandaMan
over a year ago

Near You

Definitely feeling the pinch. It's times like this when I consider joining a communion or sex cult!

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By *om and JennieCouple
over a year ago

Chams or Socials

It would probably be worth paying the early exit fee and getting a decent deal if you can find one. Thankfully we are fixed for another 3 years. If only I had a crystal ball

This is what I’m looking at doing. Fixed at 2.29% until June. Exit fee £950. New deal 3.73% for 5 years or 3.88% for 10. Payment will increase by £70 p/m but save me £250 & £250 cashback

J x

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By *inaTitzTV/TS
over a year ago

Titz Towers, North Notts

With the way things are going, even if you're not feeling the pinch at the moment, it is probably only a matter of time before you do.

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By (user no longer on site)
over a year ago

"I don't pay taxes or claim benefits I just earn as I go. I'm just noticing the price increases everywhere.

I live in a tent my overheads are very low

Do you use those things that look like teabags, that warm up for about 12 hours? ( I love them when I'm hiking in the middle of nowhere)..or do you get a small fire going?..

yes they're like handwarmers , you can get ones for your back, feet also etc.

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By *ily Con CarneTV/TS
over a year ago

Cornwall

I'll only notice any difference if the price of wine increases

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By *orny PTMan
over a year ago

Peterborough

This is bad for al of us. Even Martin Lewis is stumped.

Has anyone looked at log banks yet: places where firewood is dished out in a way to the food banks?

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By *orny PTMan
over a year ago

Peterborough

"I'll only notice any difference if the price of wine increases "

Is your name Jacob Reece Mogg?

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By *agerMorganMan
over a year ago

Canvey Island

Yep, about to buy my first home but now my offer went from 3.2% to just shy of 7.0%.

Devastated is how I feel.

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By (user no longer on site)
over a year ago

Yep, and have been for a while what with food costs getting higher and higher as the months go by. My energy fixed rate ends on the 12th October, which will be a real issue.

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By *rHotNottsMan
over a year ago

Dubai & Nottingham

"We started noticing a few months ago when our food and petrol bill increased "

Until recently food has been getting cheaper year on year since the 1970s due to our EU membership & strength of GBP. We only spend around 10% of income on food now compared to 25% in the 1980s and 33% in the 1970.

Of course all this is all changing now , food prices are expected to quadruple over the next 5 years particularly fish,, oils and fats. This is already happening with prawns increasing 67% recently

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By *icecouple561Couple
Forum Mod
over a year ago

East Sussex

"Yep, about to buy my first home but now my offer went from 3.2% to just shy of 7.0%.

Devastated is how I feel. "

Oh god that's awful. We had a mortgage in the late 80s at one point we were paying 16% interest. I understand exactly how you feel

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By *agerMorganMan
over a year ago

Canvey Island

"Yep, about to buy my first home but now my offer went from 3.2% to just shy of 7.0%.

Devastated is how I feel.

Oh god that's awful. We had a mortgage in the late 80s at one point we were paying 16% interest. I understand exactly how you feel "

I hear people saying how it was back in the 80’s and how high it got. Hopefully it won’t hit that, but right now I’m just going to have to keep putting money away in the savings to go towards the house.

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By *icecouple561Couple
Forum Mod
over a year ago

East Sussex

"Yep, about to buy my first home but now my offer went from 3.2% to just shy of 7.0%.

Devastated is how I feel.

Oh god that's awful. We had a mortgage in the late 80s at one point we were paying 16% interest. I understand exactly how you feel

I hope it won't too. We saw the value of our house plummet overnight too. Luckily we never went into negative equity but a lot of people did and were left with mortgages they could barely afford that were higher than the value of their home.

Sit tight and you'll be ok

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By (user no longer on site)
over a year ago

It would probably be worth paying the early exit fee and getting a decent deal if you can find one. Thankfully we are fixed for another 3 years. If only I had a crystal ball

This is what I’m looking at doing. Fixed at 2.29% until June. Exit fee £950. New deal 3.73% for 5 years or 3.88% for 10. Payment will increase by £70 p/m but save me £250 & £250 cashback

J x"

glad to hear

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By (user no longer on site)
over a year ago

"I don't pay taxes or claim benefits I just earn as I go. I'm just noticing the price increases everywhere.

I live in a tent my overheads are very low

I'd say so, about 5' tops

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By (user no longer on site)
over a year ago

Can’t wait for all the boomers to kick off about “we had it worse we had 15%” or whatever

Interest rates don’t mean much out of the context of the salary : house price ratio

15% is bad, but when the average house is only 3-5x salary isn’t not awful

Depending where you are In the uk house prices can easily be 10-12x salary. Suddenly 15% becomes world ending.

I’m truly worried for everyone with a mortgage that’s close to the renewal date

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By (user no longer on site)
over a year ago

Lakeland?

Anyone got a link for one? I’ve got a washer dryer and I really want to stop using the dryer fully

Mines from Lakeland, I wouldn't be without it. Saves loads on ironing also

Thankyou, I’ll definitely be looking into it

It comes with a cover right? Does the cover make a big difference or have you not noticed much?

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By *emorefridaCouple
over a year ago

La la land

Lakeland?

Anyone got a link for one? I’ve got a washer dryer and I really want to stop using the dryer fully

Mines from Lakeland, I wouldn't be without it. Saves loads on ironing also

Thankyou, I’ll definitely be looking into it

It comes with a cover right? Does the cover make a big difference or have you not noticed much? "

I bought the cover and I'd say yes it does. But I know people who use a duvet cover over it instead

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By *andyfloss2000Woman
over a year ago

ashford

I allways struggle so much same really x

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By *angerous123Man
over a year ago

Leeds

I went self employed a year before lockdown so had no furlough or any help other than UC which amounted to less than 100 a week, so yes. Financially things aren't the best.

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By *ubwife4uCouple
over a year ago

Kent

[Removed by poster at 30/09/22 15:19:57]

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By (user no longer on site)
over a year ago

Also, I've just had to buy full alcoholic rum instead of non alcoholic as the non alcoholic stuff is more expensive!!!

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By (user no longer on site)
over a year ago

"Also, I've just had to buy full alcoholic rum instead of non alcoholic as the non alcoholic stuff is more expensive!!!

"
shocking!

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By *agan_PairCouple
over a year ago

portchester

[Removed by poster at 30/09/22 15:28:16]

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By *entleman_spyMan
over a year ago

nearby

Not noticed here yet, and I doubt I will particularly, I don’t have any kids and I don’t have a mortgage. Electricity usage is not that high. And a weekly food bill rarely goes above £40. I only drive for fun and I just got a particularly nice promotion and raise. I think this will all show who the people that appeared well off on the outside though while the bank really owned most of their cars and houses ..

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By (user no longer on site)
over a year ago

What a load of crap

Nobody here drinks

Smoke

All have log burner

Gorgeous body

Bring it on……… wrong war

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By *unfriendly 123 OP Man
over a year ago

boston

When my mortgage deal is up I'm paying mine off one less thing to manage in the comming years I remember when the rate was 15% bad times

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By (user no longer on site)
over a year ago

6 or 7 years left on my fixed rate mortgage, and solar panels, I'm going to swerve the brunt of it for the big ticket bills, but yeah I'm noticing my everyday spend is up 15/20% on a similar shop per month. I'm lucky enough to buy bulk and have the space to store is for a lot of things, but that's hardly a long term solution, and it just means I have to buy 12 lots of e.g. shampoo to get each one back to the same price I paid for one before the summer.

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By *ealthy_and_HungMan
over a year ago

Princes Risborough, Luasanne, Alderney

"When my mortgage deal is up I'm paying mine off one less thing to manage in the comming years I remember when the rate was 15% bad times"

and basic rate income tax was north of 30% at the same time

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By *unfriendly 123 OP Man
over a year ago

boston

Bad times are comming back even one of my pensions dropped 7k this week

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By (user no longer on site)
over a year ago

I’ve seen it in others as well as myself.

All I can say is thank god Nicola Sturgeon froze rent prices.

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By *uff and FruitCouple
over a year ago

littleport

Certainly me, Fruit. I'm on a low wage and once my bills come out there is little left over sadly. I will often avoid going out to avoid buying drinks out or fuel.

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By *unfriendly 123 OP Man
over a year ago

boston

"Certainly me, Fruit. I'm on a low wage and once my bills come out there is little left over sadly. I will often avoid going out to avoid buying drinks out or fuel.

"
sadly this is just yhe start of it going to get allot worse

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By (user no longer on site)
over a year ago

I am concerned but fortunately my bills are fairly low but there's no way I'm putting on my heating. That could be a disaster especially if we get a very cold winter

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By *uff and FruitCouple
over a year ago

littleport

"Certainly me, Fruit. I'm on a low wage and once my bills come out there is little left over sadly. I will often avoid going out to avoid buying drinks out or fuel.

sadly this is just yhe start of it going to get allot worse "

Sadly yes, I've always had to be careful with money but would like to be able to have a full fridge.

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By *ssex_tomMan
over a year ago

Chelmsford

Tom does not feel the financial crisis at all but somebody visited his house last week and said that he was so lucky to live in such a big house . ..

Bullshit.. the harder Tom worked then the luckier he got .

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By *ora the explorerWoman
over a year ago

Paradise, Herts

"Tom does not feel the financial crisis at all but somebody visited his house last week and said that he was so lucky to live in such a big house . ..

Bullshit.. the harder Tom worked then the luckier he got . "

That’s not luck then. Luck is winning the lottery. Not a fan of the word luck. If you worked damned hard for what you have then that’s nothing to do with luck.

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By *rlandoMan
over a year ago

Yorks/Lincs

ask me me in 12 months when Im living in a carboard box behind my local Lidl .....

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By (user no longer on site)
over a year ago

"Tom does not feel the financial crisis at all but somebody visited his house last week and said that he was so lucky to live in such a big house . ..

Bullshit.. the harder Tom worked then the luckier he got . "

Toms a bit of a show off...

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By *unfriendly 123 OP Man
over a year ago

boston

Will people move in a lodger in there spare room

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By (user no longer on site)
over a year ago

At this moment I’m thinking how lucky I was at fixing a 5 year mortgage at 1.60% earlier this year…

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By (user no longer on site)
over a year ago

It's only just began , interest rates no where near what they were a few years ago .food needs to go up costs to grow it are going through the roof

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By *ssex_tomMan
over a year ago

Chelmsford

Interest rates were 13% under Margaret Thatcher

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By *ssex_tomMan
over a year ago

Chelmsford

"Tom does not feel the financial crisis at all but somebody visited his house last week and said that he was so lucky to live in such a big house . ..

Bullshit.. the harder Tom worked then the luckier he got .

Toms a bit of a show off..."

A show off...?

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By *b72Man
over a year ago

Nottingham

Lakeland?

Anyone got a link for one? I’ve got a washer dryer and I really want to stop using the dryer fully "

Look for something called dry buddy it will come up with loads.

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By *ortyairCouple
over a year ago

Wallasey

Sure I heard somewhere that banks are rushing to withdraw fix rate products.

A woman on Question Time even said that her bank removed the rate she had signed up whilst she was in the process of buying a house and she can no longer afford to go through with the purchase. Xxx

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By *naswingdressWoman
over a year ago

Manchester (she/her)

My food bill has gone up a lot. I'm trying to change the way I eat to counteract it

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By *ull English with teaMan
over a year ago

London

It’s all very frightening

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By (user no longer on site)
over a year ago

"Sure I heard somewhere that banks are rushing to withdraw fix rate products.

A woman on Question Time even said that her bank removed the rate she had signed up whilst she was in the process of buying a house and she can no longer afford to go through with the purchase. Xxx"

I sAw that. She had a 4.5% rate and they then offered 10%!!

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By *ssex_tomMan
over a year ago

Chelmsford

"My food bill has gone up a lot. I'm trying to change the way I eat to counteract it"

Chewing longer before swallowing presumably ?

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By *as1373Couple
over a year ago

Taupo, New Zealand & Persian Gulf

Luckily not, no mortgage, paid in dollars and living overseas, so actually benefitting from the Trussterfuck that is going on back in UK. Can't wait for wife to join me and escape UK for good.

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By *unfriendly 123 OP Man
over a year ago

boston

There is only so much you can cut back

I'm thinking rent out spare room

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By (user no longer on site)
over a year ago

Only the petrol prices (which everyone has forgotten about). Tied into my energy costs for another year and mortgage for another 4. This crisis has to stop but I don’t think this government care about us

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By *ansexualPandaMan
over a year ago

Near You

I had a conversation over the weekend with my housemates about putting up their board to help pay my mortgage and energy increases. Luckily they understood because I wouldn't be able to afford it by myself. Scary times for a lot of people.

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By *assy69Man
over a year ago

West Sussex and Wales

"It's gna get allot worse...we all gna feel the pinch "

Worked out budgets to within an inch of their lives before exchanging contracts on a property earlier this year, costs have all gone up and budget is out of the window. We are spending around 30% more than we were, and that’s before the rise in energy prices

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By *om and JennieCouple
over a year ago

Chams or Socials

It would probably be worth paying the early exit fee and getting a decent deal if you can find one. Thankfully we are fixed for another 3 years. If only I had a crystal ball

This is what I’m looking at doing. Fixed at 2.29% until June. Exit fee £950. New deal 3.73% for 5 years or 3.88% for 10. Payment will increase by £70 p/m but save me £250 & £250 cashback

J x

glad to hear

That rate was pulled. Now 4.45%!! Increases mortgage by £100 per month

J x

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By *2000ManMan
over a year ago

Worthing

I keep a speadsheet which I enter gas and electric weekly readings into. I can see exactly what my usage is and cost. Would not have a "smart" meter so this is next best thing. It does not help pays bills but at least I can see what they will be.

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