Boom Boom Posted July 31, 2010 Share Posted July 31, 2010 (edited) Full JSA £65 a week Housing benefit to cover accommodation costs with private landlord or council house Council tax exemption Working 40 hours a week on NMW £200 a week take home £135 after JSA entitlement lost is deducted £70 after £65 is deducted to cover rent £50 after £15 is deducted to cover travel costs £35 after £15 deducted for council tax (and that's assuming lowest possible band which is unlikely) £25 after £10 is deducted for sundry expenses associated with being in employment So 40 hours of mind numbing toil, plus all the travel time to and from work, to be based on optimistic calculations £30 a week better off. £30 which has to provide for the expectations someone working full time may feel entitled to, like a social life, or a few luxuries. Frankly, it's a credit to the work ethic that is ingrained in society that anyone will work for NMW. Financially, it's almost universally a bad decision. Edited July 31, 2010 by Boom Boom Quote Link to comment Share on other sites More sharing options...
crash2006 Posted July 31, 2010 Share Posted July 31, 2010 Full JSA £65 a week Housing benefit to cover accommodation costs with private landlord or council house Council tax exemption Working 40 hours a week on NMW £200 a week take home £135 after JSA entitlement lost is deducted £70 after £60 is deducted to cover rent £55 after £15 is deducted to cover travel costs £40 after £15 deducted for council tax (and that's assuming lowest possible band which is unlikely) £30 after £10 is deducted for sundry expenses associated with being in employment So 40 hours of mind numbing toil, plus all the travel time to and from work, to be based on optimistic calculations £30 a week better off. £30 which has to provide for the expectations someone working full time may feel entitled to, like a social life, or a few luxuries. Frankly, it's a credit to the work ethic that is ingrained in society that anyone will work for NMW. Financially, it's almost universally a bad decision. ofcourse it is, the major impact would be to have social homes, no social homes means less people willing to work for Min wage. Quote Link to comment Share on other sites More sharing options...
Wario Posted July 31, 2010 Share Posted July 31, 2010 Full JSA £65 a week Housing benefit to cover accommodation costs with private landlord or council house Council tax exemption A biggie. So 40 hours of mind numbing toil, plus all the travel time to and from work, to be based on optimistic calculations £30 a week better off. £30 which has to provide for the expectations someone working full time may feel entitled to, like a social life, or a few luxuries. Frankly, it's a credit to the work ethic that is ingrained in society that anyone will work for NMW. Financially, it's almost universally a bad decision. From my "Heritage Doley Experience" under Sailor Ted, Sunny Jim and That Bloody Woman, it'd have to be the rock'n'roll every time. Thing is, you can defeat the intention of the system, and survive a whole winter and more with your health intact, simply by staying under a pile of bedding all day, so you're not crucified by the gas and electric, and keeping quality food, or any food at all, to an absolute minimum (tea is a life-saver, we found. Tea and rollups (baccy puts you right off your grub, it's the secret (among many) of how we were all so goddamn thin and dropdead gorgeous back then )). No fridge, no washing machine, only turn the gas oven on in the hardest bit of winter. Fill the buggger with bricks and sit/slouch/huddle round it in army-surplus greatcoats playing poker and (paper!)D&D and supping homebrew etc. No 'phone, no heating, no lighting, no telly, no sodding baths needed (obviously, since the water was free back then, we could indulge in cold ones of a summer morn. Keep interview clothes and so on clean, by simply not wearing any clothes not required for survival inside the bedsit/squat/abandoned factory. Genius! Shoes don't wear out if you've got your feet up. Used to very pricey. Travel costs (invariably the bus, bike not a sensible proposition) are the real killer when working. That and the hypothermia, bronchitis and rheumatism waiting for it to show up. And free dentistry, always a lifesaving bonus. To Make Work Pay©The Quiet Bald Man I'd reckon you'd have to double the IngSoc MiniWage Quote Link to comment Share on other sites More sharing options...
Boom Boom Posted July 31, 2010 Author Share Posted July 31, 2010 From my "Heritage Doley Experience" under Sailor Ted, Sunny Jim and That Bloody Woman, it'd have to be the rock'n'roll every time. Thing is, you can defeat the intention of the system, and survive a whole winter and more with your health intact, simply by staying under a pile of bedding all day, so you're not crucified by the gas and electric, and keeping quality food, or any food at all, to an absolute minimum (tea is a life-saver, we found. Tea and rollups (baccy puts you right off your grub, it's the secret (among many) of how we were all so goddamn thin and dropdead gorgeous back then )). No fridge, no washing machine, only turn the gas oven on in the hardest bit of winter. Fill the buggger with bricks and sit/slouch/huddle round it in army-surplus greatcoats playing poker and (paper!)D&D and supping homebrew etc. No 'phone, no heating, no lighting, no telly, no sodding baths needed (obviously, since the water was free back then, we could indulge in cold ones of a summer morn. Keep interview clothes and so on clean, by simply not wearing any clothes not required for survival inside the bedsit/squat/abandoned factory. Genius! Shoes don't wear out if you've got your feet up. Used to very pricey. Travel costs (invariably the bus, bike not a sensible proposition) are the real killer when working. That and the hypothermia, bronchitis and rheumatism waiting for it to show up. And free dentistry, always a lifesaving bonus. To Make Work Pay©The Quiet Bald Man I'd reckon you'd have to double the IngSoc MiniWage 'War is Peace; Freedom is Slavery; Ignorance is Strength' Sums up NuLabia quite nicely I think. Having abandoned any real ideology they clearly found inspiration in parody. Quote Link to comment Share on other sites More sharing options...
ken_ichikawa Posted July 31, 2010 Share Posted July 31, 2010 Full JSA £65 a week Housing benefit to cover accommodation costs with private landlord or council house Council tax exemption Working 40 hours a week on NMW £200 a week take home £135 after JSA entitlement lost is deducted £70 after £60 is deducted to cover rent £55 after £15 is deducted to cover travel costs £40 after £15 deducted for council tax (and that's assuming lowest possible band which is unlikely) £30 after £10 is deducted for sundry expenses associated with being in employment So 40 hours of mind numbing toil, plus all the travel time to and from work, to be based on optimistic calculations £30 a week better off. £30 which has to provide for the expectations someone working full time may feel entitled to, like a social life, or a few luxuries. Frankly, it's a credit to the work ethic that is ingrained in society that anyone will work for NMW. Financially, it's almost universally a bad decision. Your costs are too optimistic, I took the metrolink into Manchester yesterday and it cost me £5 for a return or £4.85 for a single. Ergo your £15 travel cost should be £25... add in the fact I live a few miles from the metro means a weekly/monthly bus ticket and it is closer to £45 a week. Rent is also wayy too low Same with council tax. Quote Link to comment Share on other sites More sharing options...
bomberbrown Posted July 31, 2010 Share Posted July 31, 2010 Full JSA £65 a week Housing benefit to cover accommodation costs with private landlord or council house Council tax exemption Working 40 hours a week on NMW £200 a week take home £135 after JSA entitlement lost is deducted £70 after £60 is deducted to cover rent £55 after £15 is deducted to cover travel costs £40 after £15 deducted for council tax (and that's assuming lowest possible band which is unlikely) £30 after £10 is deducted for sundry expenses associated with being in employment So 40 hours of mind numbing toil, plus all the travel time to and from work, to be based on optimistic calculations £30 a week better off. £30 which has to provide for the expectations someone working full time may feel entitled to, like a social life, or a few luxuries. Frankly, it's a credit to the work ethic that is ingrained in society that anyone will work for NMW. Financially, it's almost universally a bad decision. Is that a joke? (rhetorical question) Your £200 take home pay wouldn't even cover the rent in some parts of South East London and I'm not talking Westminster or Chelsea here. Quote Link to comment Share on other sites More sharing options...
Johnny Storm Posted July 31, 2010 Share Posted July 31, 2010 (edited) I remember earning £120 a week and having loads to spend. £120 a week £15 board Rest to spend. Live with your parents. Is that a joke? (rhetorical question) Your £200 take home pay wouldn't even cover the rent in some parts of South East London and I'm not talking Westminster or Chelsea here. Why do people with no skills need to live in London? Edited July 31, 2010 by Johnny Storm Quote Link to comment Share on other sites More sharing options...
Olebrum Posted July 31, 2010 Share Posted July 31, 2010 Why do people with no skills need to live in London? I doubt they 'need' to live there. More likely they happen to live there or, if they are a bit odd, like living there! There should build a big slum where they can all live and be shipped in to London to perform their NMW jobs and then be shipped back in the evenings. Far away from the highly skilled elites who populate our wonderful capital city. Quote Link to comment Share on other sites More sharing options...
Meat Puppet Posted July 31, 2010 Share Posted July 31, 2010 Why do people with no skills need to live in London? I like the fact that there are some people cleaning up the place, and the guy that delivers my groceries is pretty handy as well. Quote Link to comment Share on other sites More sharing options...
Minos Posted July 31, 2010 Share Posted July 31, 2010 I doubt they 'need' to live there. More likely they happen to live there or, if they are a bit odd, like living there! There should build a big slum where they can all live and be shipped in to London to perform their NMW jobs and then be shipped back in the evenings. Far away from the highly skilled elites who populate our wonderful capital city. I think they are working on that right now. Reducing HB, driving the non elites out of expensive areas and into accomodation more suitable to their stature. Quote Link to comment Share on other sites More sharing options...
bomberbrown Posted July 31, 2010 Share Posted July 31, 2010 Why do people with no skills need to live in London? Who else is going to serve that corporate w@anker his Starbucks latte and Pret et Manger sandwich? Quote Link to comment Share on other sites More sharing options...
deflation Posted July 31, 2010 Share Posted July 31, 2010 What about food? There's also electricity, gas etc. You also deducted £15 from £60 to get £55. You would starve. You have to live at parents' home or be in shared (whether with a 'partner' or not) / multi occupancy to live on NMW. If you are in work though, there are working tax credits to boost income. JSA has a time limit to it though, doesn't it? Quote Link to comment Share on other sites More sharing options...
miko Posted July 31, 2010 Share Posted July 31, 2010 Fact you can not afford to travel to work and run a home on the NMW, people on this are either the second income in the household or living with parents , you would even be hard pushed just to rent a bed sit. Quote Link to comment Share on other sites More sharing options...
steve99 Posted July 31, 2010 Share Posted July 31, 2010 In relation to London, pre the EE's all being invited over to improve our standard of living, many McJobs in central London paid much more than todays min wage, in fact I knew people making coffee or working in Top shop and getting 8ph or so, since then and 10 years later we have people doing the very same jobs for min wage or there abouts. If you then take into account the price of everything doubling more or less since then you now have an extremely poor working population at the bottom end of the pool. Seems employers have to be subsidised in some way or other to get away with this, obviously the importation of EE's was a sop to them after complaining non stop to NuLab about having to be subject to market forces,ie wage rises. Perhaps if the Torries cut the dole we can get the rest of em off their ar*ses Quote Link to comment Share on other sites More sharing options...
deflation Posted July 31, 2010 Share Posted July 31, 2010 He quite rightly deducted £15 from £70 to get £55. He's not including food and bills because he's working out how much better off he would be working on minimum wage than being on benefits - food and bills other than council tax already come out of the £65 JSA. Apologies, I misread it. The error is in deducting £60 for rent from £135 leaving £70. I understand it's a comparison but then there is no coverall situation. If you have children, there is child benefit income. If you have no relatives nearby, there may be child care costs if the hours are unsociable, etc. Working tax credit, free food or drink at work? No heating required at home if you're out all day (unless you have a partner at home). The case the OP makes is valid but is simplifying it. Quote Link to comment Share on other sites More sharing options...
durhamborn Posted July 31, 2010 Share Posted July 31, 2010 He quite rightly deducted £15 from £70 to get £55. He's not including food and bills because he's working out how much better off he would be working on minimum wage than being on benefits - food and bills other than council tax already come out of the £65 JSA. It was always so.BUT something huge changed,and its what this sites is about.A HOME.When i started out i was in a bit better situation than if it was now as i earned around 20% above what would be now the NMW.BUT i could buy a terrace house for £30k.Once that was paid off id of been much better off working for NMW.The fact is all cash benefits are low its the housing benefit that puts them up to NMW level. Slowly this has erroded peoples aspirations.Before youd know,ok buy ,pay off,have decent life even on low wages.Not now. Quote Link to comment Share on other sites More sharing options...
durhamborn Posted July 31, 2010 Share Posted July 31, 2010 Apologies, I misread it. The error is in deducting £60 for rent from £135 leaving £70. I understand it's a comparison but then there is no coverall situation. If you have children, there is child benefit income. If you have no relatives nearby, there may be child care costs if the hours are unsociable, etc. Working tax credit, free food or drink at work? No heating required at home if you're out all day (unless you have a partner at home). The case the OP makes is valid but is simplifying it. Indeed,but the fact everyone even has to consider it shows the system is broke.No economy can survive where someone who works 40 hours a week is peanuts better off,or worse off than people not working. Only answer.Lower benefits,higher wages,cheaper housing. Quote Link to comment Share on other sites More sharing options...
Laughing Gnome Posted July 31, 2010 Share Posted July 31, 2010 Working 40 hours a week on NMW £200 a week take home £135 after JSA entitlement lost is deducted £70 after £60 is deducted to cover rent £55 after £15 is deducted to cover travel costs £40 after £15 deducted for council tax (and that's assuming lowest possible band which is unlikely) £30 after £10 is deducted for sundry expenses associated with being in employment I don't dissagree with your general point, but you have the major cost absolutely wrong. In my part of the world, the crummiest most horrible prison cell like bedsit in a junkie and alkie infested building would be AT LEAST £75 / week. Rent is by FAR the biggest cost, and the most easily addressed by allowing councils to invest in housing stock. Quote Link to comment Share on other sites More sharing options...
Fudge Posted July 31, 2010 Share Posted July 31, 2010 NMW raises to £5.93 per hour in October which is £222.37 for a 37.5 hour week. However you cannot presume you will work a 37.5 hour week, most jobs now are part time or they call you when they are busy and tell you to go home when they are not so you maybe working 20 hours or 27 hours. I know I have done it. They ring you up and say we dont need you today. They dont because they just took someone else on and giving them a couple of days work a week. Also I know with jobs like cleaning you may work 50 hours a week but only get paid for 37.5 so on the wage slip it looks correct 37.5 x 5.93 = £222.37 but you actually worked many more hours. And if you dont like it there are plenty of people who are desperate enough to do it. I am afraid these are the consequences of being duped into thinking that you dont need unions anymore. Workers are being exploited. Quote Link to comment Share on other sites More sharing options...
miko Posted July 31, 2010 Share Posted July 31, 2010 I like the fact that there are some people cleaning up the place, and the guy that delivers my groceries is pretty handy as well. lol bang on I don't think the poster that you answered has enough brain cells to work that one out. Quote Link to comment Share on other sites More sharing options...
tomwatkins Posted July 31, 2010 Share Posted July 31, 2010 Indeed,but the fact everyone even has to consider it shows the system is broke.No economy can survive where someone who works 40 hours a week is peanuts better off,or worse off than people not working. Only answer.Lower benefits,higher wages,cheaper housing. Can't happen. Quote Link to comment Share on other sites More sharing options...
tomwatkins Posted July 31, 2010 Share Posted July 31, 2010 NMW raises to £5.93 per hour in October which is £222.37 for a 37.5 hour week. However you cannot presume you will work a 37.5 hour week, most jobs now are part time or they call you when they are busy and tell you to go home when they are not so you maybe working 20 hours or 27 hours. I know I have done it. They ring you up and say we dont need you today. They dont because they just took someone else on and giving them a couple of days work a week. Also I know with jobs like cleaning you may work 50 hours a week but only get paid for 37.5 so on the wage slip it looks correct 37.5 x 5.93 = £222.37 but you actually worked many more hours. And if you dont like it there are plenty of people who are desperate enough to do it. I am afraid these are the consequences of being duped into thinking that you dont need unions anymore. Workers are being exploited. I have no problem with the union concept per se. It's just that it breeds so many arrogant, overpaid gobsh!tes at the top. Why is that do you reckon? Quote Link to comment Share on other sites More sharing options...
tomwatkins Posted July 31, 2010 Share Posted July 31, 2010 I don't dissagree with your general point, but you have the major cost absolutely wrong. In my part of the world, the crummiest most horrible prison cell like bedsit in a junkie and alkie infested building would be AT LEAST £75 / week. Rent is by FAR the biggest cost, and the most easily addressed by allowing councils to invest in housing stock. Hindsight eh? I wonder if Maggie would have sold all that good housing stock for a couple of grand apiece had she known. Has anybody ever asked her that question? Pointless I guess and maybe you wouldn't get a true answer even if she could remember. Quote Link to comment Share on other sites More sharing options...
SarahBell Posted July 31, 2010 Share Posted July 31, 2010 Your costs are too optimistic, I took the metrolink into Manchester yesterday and it cost me £5 for a return or £4.85 for a single. Ergo your £15 travel cost should be £25... add in the fact I live a few miles from the metro means a weekly/monthly bus ticket and it is closer to £45 a week. Rent is also wayy too low Same with council tax. Tram Travel is dear! Departure Station : Bury Arrival Station : Piccadilly Gardens Ticket Type : Adult Weekly This ticket costs: £21.80 Annual is This ticket costs: £875.00 But First: FirstMonth, £ 55.00 Unlimited* travel on day of purchase and for a further 30 days. Tickets vaild for the whole network. Annual Ticket, £ 550.00 Stagecoach Manchester Megarider 4 Week £40.00 Quote Link to comment Share on other sites More sharing options...
okaycuckoo Posted July 31, 2010 Share Posted July 31, 2010 Full JSA £65 a week Housing benefit to cover accommodation costs with private landlord or council house Council tax exemption Working 40 hours a week on NMW £200 a week take home £135 after JSA entitlement lost is deducted £70 after £65 is deducted to cover rent £50 after £15 is deducted to cover travel costs £35 after £15 deducted for council tax (and that's assuming lowest possible band which is unlikely) £25 after £10 is deducted for sundry expenses associated with being in employment So 40 hours of mind numbing toil, plus all the travel time to and from work, to be based on optimistic calculations £30 a week better off. £30 which has to provide for the expectations someone working full time may feel entitled to, like a social life, or a few luxuries. Frankly, it's a credit to the work ethic that is ingrained in society that anyone will work for NMW. Financially, it's almost universally a bad decision. What about tax credits? They probably bump up the monthly take-home income quite a bit. Quote Link to comment Share on other sites More sharing options...
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