Lozzer wrote:Yes well, life is dramatically unfair. But would you rather the toughness of life boil down to income disparity or having to fight for existence in a natural world which couldn't care even if it wanted to? I'm on the lower scale of income. My family subsists on my mother's £10,000 income and state benefits. It ain't no fun most of time, and we get into a lot of trouble when we give in to greed. Credit card companies have a way of getting you back in the worst ways imaginable

Count yourself lucky Devogue and keep every penny for yourself. If I had money then I probably would too.
I know what you mean Lozzer.
Ten years ago I had money which I pumped in to my own business - it did really well, but I could only afford to pay myself £12,000 per year. That was okay, though, because I was a single man and as long as I had a packet of smokes and a beer at the end of the day I was happy.
When I met Mrs Dev she was on benefits and working cash in hand for a pittance - we rented a house and spent our money on cheap booze cigarettes and having a good time. I couldn't drive, she had a clapped out Nissan Sunny. We were extremely happy.
Ten years later and my earning power has increased vastly, we own two houses, we have ISAs and pensions, money in the bank and over £20,000 worth of wine investment. While I drive a Totota Corolla back and forward to work Mrs Dev drives the main car, which is a very swish MPV.
We own both of the cars outright, we have no loans or credit card debt, our three children want for nothing, we can splurge at Christmas without dreading the bills in January. Ten years ago I would drink wine at no more than £7 a bottle - now I regularly splurge out £100 or more.
In other words, we are fucking laughing, living the dream - but here's the thing...
I know that I will sound like an unbelievably spoilt and sickeningly disingenuous twat, but we aren't as happy as we were ten years ago. Nowhere near.
I've thought long and hard about why that is, especially because ten years ago I would be amazed and delighted if someone told me how "well" I would be doing.
I think the answer is that we are now on a very nasty treadmill - we have to keep working harder, keep pushing, keep hoping the wheels don't fall off our mortgaged existance, we worry about losing face, losing what we have worked for even though we have to keep working harder to hold on to it. While we mindlessly enjoy our material trappings...oh, I've just got the meaning of that word...we are genuinely trapped.
When we rented a two bedroom house ten years ago it was a wonderful little home - we felt safe, happy and pretty carefree.
Now we live in a four bedroom detached house with all the mod cons, beautiful furniture and fittings (we've spent a fortune in the past two years renovating it) and do you know what we think about whenever we do any of this work? - how impressed a potential buyer will be when we eventually come to sell the house...
Money, assets, money, assets... be careful what you wish for...