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jaybird
Gold Member
 France
1192 Posts |
 Posted - 27 May 2008 : 7:51:50 PM
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Hi all
Watching world events over the last few weeks have me worried!! now, I have no mortgage, one car, one pony, no feed bills, very small farrier bill, and still my monthly outgoings are increasing alarmingly, how are you guys going to survive with multiple herds, I know you must have great incomes, but does it worry you? that maybe some time in the future you may to be faced with the prospect of not being able to cope? selling at rock bottom to what you think is a good home only to find it's meat!!! I cannot believe prices that are being asked of horses on the sales sites not just AL but everywhere) are there that many monied people out there that are able to pay these prices? or was it being borrowed in the past and maybe never going to be able to be repaid resulting in future very sad sales, I am only interested as it seems so doom & gloom to everybody one speaks to, so what is the future for the horses?
Beryl
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Gerri
Platinum Member
England
4211 Posts |
Posted - 27 May 2008 : 9:12:29 PM
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Hi you are almost echoing what I was saying a little while ago, friend that I know are struggling and they were always considered wealthy by normal standards and they have been treading water, its really scary that the amount of horrid things that have already started happening I am sure is the result of "the Credit crunch" and it scares me where its going to end, and I don't think any of us are safe the majority of us are plodding along okay, but so were others not so long ago the prices of things are spiralling and yet wages are stagnating, eventually things will just be unaffordable, then what I totally agree with you, all I can think is what happens to all the animals in all this |
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rosyw
Platinum Member
England
3756 Posts |
Posted - 27 May 2008 : 10:18:29 PM
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Not all of us have great incomes, the current government have seen to that yes we do worry, we're OK at the moment, but you never know what's around the corner. ~The only thing I can say with certainty is that none of my animals will ever go without, even if I have to myself - I would sell ALL of my possessions to ensure that including my house! |
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Evie
Platinum Member
England
3513 Posts |
Posted - 28 May 2008 : 01:07:41 AM
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| This is why I put off my decision to come back to the UK for the time being. I think I am going to work really hard (lots of overtime!) here for a while to try and save some money as I know when I do come back to the UK I am going to be poor. I know for a fact that no matter what I save I will not be able to afford to buy a house unless prices come down drastically, I meet a rich man or I win the lottery - and I think winning the lottery would be the most likely out of those three options!!! |
Bristol |
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NUTTER
Platinum Member
England
2452 Posts |
Posted - 28 May 2008 : 2:07:53 PM
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I dont think it matters if your income is small or large.. we all live to whatever the income is..
We downsized 5 years ago from a very nice 6 bedroomed home to a modest 4 !!!!
to be honest we do live within our means also seem to be supporting a little to much our children which i am weaning them of us gradually !!!!..
For us i know we are ok but only if we carry on being very sensible!!!!
People must look at the larger picture and NOT buy anything unless they know they can keep it going long term
whether that be a animal or toy eg..!!! car, boat,holidays on credit!!!
I am sorry but i am a little old fashioned if you cant pay cash for it... go without!!
As then if a emergancy should pop up then you know you can get hands on money if need be rather than it been used on a item not important!!!
if you cant afford cash you cant afford it anyway!!
Sorry if i offend that is not my intentions..
but i have friends who drive around very nice vechles but they are least/hired
i dont care if you can claim it back against tax or not !!
Its not flash.. and i think its sad to show of something thats not yours !!!
We just recently got landrover but chose older so it was paid for right out..
As regards to my home again that i will always keep as again if any family member needs help with my home i can always raise money and help them out
We also save every month and never ever touch or go into that as i want a good retirement i dont believe in living for today as the way my luck goes i will be here for a long time and i aint going to be here with no pennies!!!
I have started cutting back on loads!! i sadly freeze all my fruit of trees every year.. i do home baking.. also buy whatever in bulk to make it cheaper..
I am not embarresed to say i love a bargain in the charity shop or of ebay!!!!
Also stick to a monthly budget if i cant afford have it.. i wait until we can.
I think everybody would be surprised how much we can cut back. |
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LYNDILOU
Platinum Member
United Kingdom
13976 Posts |
Posted - 28 May 2008 : 2:15:38 PM
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| It does worry me that so many people live by credit and end up owing so much, it must be so depressing, luckily although my OH and I are far from rich, he does not owe one penny and makes sure all our bills are paid. the scarriest thing I heard recently is someone in the arab world remortgaged their house to buy a horse from the states ! how silly is that! I think people think if they spend a lot of money for a horse it must surely be a champion and then the Saudis will come and buy it for mega bucks , right dream on! |
   
www.dreamfield-arabians.com |
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Geena
Platinum Member
England
1510 Posts |
Posted - 28 May 2008 : 2:22:33 PM
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Nutter you are very sensible, with just cause too.
We have our own chickens and fruit plants. We freeze what we don't use or trade with neighbours. When we get too many eggs I sell scotched eggs, queiche or merrangs (sorry bad spelling!) to work and family, as we are not allowed to sell eggs!
I try to make our own bread when possible. Nothing gets wasted, fruit & veggie peelings go to chickens, cartons get washed and reused. We, I mean I, make our own wine, cider, slow gin and spirts at home, great fun and cheap. We are only just treading water but I would never give up Zeb I have come too far to give up now |
  
Zebedee |
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Totalrookie
Gold Member
N. Ireland
613 Posts |
Posted - 28 May 2008 : 3:00:25 PM
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Nutter, you are 100% right - my husband would love you!!! I can be a bit airy fairy with money, but we don't owe anything and like you we only buy it if we can afford to pay for it outright, and afford it long term. We would rather live in a small house (which we do) and enjoy what we have, not mortgage ourselves to the teeth and then worry about how to keep all the balls in the air. Too many people owe, and owe big time, to finance their big houses, flash cars and at the end of the day, it's this readiness to avail of credit that has started the ball rolling with the current credit crunch. People just seem to want more and more, and feel the pressure of keeping up with other family members, neighbours, whatever to the extent where they don't care how in debt they are.
Ooops! Don't mean to sound preachy! At the end of the day, everyone needs enough money to get by on, but there's need and there's greed, and I do think society has got very greedy, wasteful and bogged down in debt. |
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joanna_piana
Platinum Member
United Kingdom
3935 Posts |
Posted - 28 May 2008 : 3:17:17 PM
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Nutter I totally agree with you - I never buy anything unless I have the money and though I do use a credit card it is paid off every month. I don't go to the shopping centres so rarely buy clothes and again rarely go on holiday. I also happily have other people's hand me downs as I have a number of friends who shop for a hobby and often clear out old clothes some of which have never been worn!
The problem is people don't nowadays don't understand the concept of saving for something which is a real shame. Also everything needs to be brand new whereas people often scrimped to buy a house and then got given various mis matched pieces of furniture but not any more.
I actually think having a horse made me more sensible as before I had Shida i'd spend most of my spare time out at the pub or for dinner or shopping so she has saved me lots of money! |
      
Harthall Rashida RIP, Binley Ishara, Bouchan
Chorleywood, Hertfordshire |
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jaybird
Gold Member
France
1192 Posts |
Posted - 28 May 2008 : 10:26:03 PM
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Hi guys
I think to most of us slightly older generation girls we know how to manange funds but I find (no offence meant)
that where the younger generation are concerned it seems there are no boundries to want's/must have it now, if this extents to the latest fashion in horse Wow!! big problems ( I have seen this in the past so I know it happens) I am only being probably horribly practical as usual, and this is most boring and unexciting, but people must use caution for awhile to see just what this world is going to do regarding the escalating costs of living and the worst of all is the massive amounts of job losses that will follow in the next year or so.
Beryl |
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NUTTER
Platinum Member
England
2452 Posts |
Posted - 29 May 2008 : 04:20:12 AM
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Several will laugh at what am to write now.. but a couple of years ago we had a dinner party .. towards the end of the night we had all had several drinks and got to putting the world right!!!!
I that evening predicted that eventually things were to come to a major head..
dont get me wrong i am not wishing it upon anybody or anything but im afraid it has too.
I think this generation sadly through the governments red tape crap
have not understood the value or real values to life..
Eg. discepline.. respect.. never being satisfied..real fun..entertaining ones self!!!
The reason being with having to have insurance for everything which now escalates out the roof.. we now do not have
youth clubs, after school clubs as gymnastics, dance, or in school free music lessons with free loan of instruments,
out the roof the cost of going swimming, pictures ,
there is no park equipments we 30 plus year old had as its classed dangerous eg the roundabouts etc.. the local area fate..gymkana.. village shows which was tug of war..balencing on a pole knocking one another of as its dangerous!!!
The reason i think many cant do eg horses properly these days which i mean as regards to taking care of.. land management right down to tacking up or picking a horses hooves out is becouse riding establishments cant afford to let this happen becouse of health and safety!!!!insurance reasons also the fact modern society sues over anything..
so sadly people maybe able to ride a horse to a high level..
but as regards to care etc will not get taught anymore than just riding and 90% of the time in a school no road work!!!!Which is sadly the reason so many horses are not being cared for correctly..
Then these people think i can ride.. am going to buy/loan a horse!!!!
Its through pure ignorance becouse of todays red tape not all but a large percentage why horses are suffering and falling into the wrong hands!!!!
Then youngsters have in their bedrooms tv .. all channels, laptops, mp3s,etc etc
This now resulting with everybody not understanding life.. everyday lifes enjoyment.
Now this time there is not going to be enough council.. assosiation housing to go around as vast amounts were sold of!!!!
they are not going to be able to afford owning property.. so will have to privatly rent which for many will result in the government topping there wages up with benefits/extras to survive!!!
Also the jobs are not here anymore for them with factories all going abroad as its cheaper!!! and all our old industries gone!!!
So this the next generation will now have to eventually go back to entertaining themselves and their families when they come along the old way with family games rather than the playstation etc as they wont be able to afford to keep up with all of modurn societys toys gadgets or everyday machines eg. dishwashers owning more than one tv etc!!!
Which is not a bad thing as straight away a family will be in one room together.. sharing ..taking in turns what they watch rather than being scattered in their own rooms deciding what they want!!!
go back to making clothes last.. passing down clothes!!walking more as funding one car will be hard let alone 2 or more!!! and hopefully once again communities will come back exist!!
By this happening it will make them understand all values in life whether that be caring for one another.. giving and showing respect.. and hopefully sharing and not being so materialistic!!!
I am not very good explaining myself when typing it out but think people will get gyst of what am saying!!!
We/society need to go/take a step back in any and everything.. before we can go forward anymore and once again hopefully morrals ..respect.. care..manners.. communities will once again exist.
At the moment everything is suffering animals.. people..
as its a go go greed materialistic period with high levels of stress.. greed which has brought about it unfortunatly many people that are cruel uncaring towards anybody anything even themselves!!!! which is why so many people and animals are suffering ..
which i think is very very sad
Good god i cant sleep and ive written a b***** essay!!!! |
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Edited by - NUTTER on 29 May 2008 04:58:16 AM |
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Pixie
Platinum Member
United Kingdom
6586 Posts |
Posted - 29 May 2008 : 08:22:49 AM
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I only have one thing to say to you Nutter re your above post.
NUTTER FOR PRIME MINISTER |
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Totalrookie
Gold Member
N. Ireland
613 Posts |
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Tahir
Platinum Member
United Kingdom
4572 Posts |
Posted - 29 May 2008 : 10:58:44 PM
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I have to agree with Pixie and Totalrookie - Nutter, you should be PM.
Carla, xx. |
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Evie
Platinum Member
England
3513 Posts |
Posted - 30 May 2008 : 12:22:23 AM
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| haha we should start a petition, I'm sure there's enough of us with our family and friends and work colleagues that we could get Nutter voted in!! |
Bristol |
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NUTTER
Platinum Member
England
2452 Posts |
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Joto
Gold Member
855 Posts |
Posted - 30 May 2008 : 1:26:50 PM
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I think a lot of animals might suffer due to the prices of things going up all the time. theres an item on the BBC news now, as i'm typing, about people in other countries not being able to buy even simple foods to feed themselves, never mind their animals.
i wonder how much hay might be this year? with the price of diesel etc rising so much. everything has to be transported somewhere and it all adds up. |
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Joto
Gold Member
855 Posts |
Posted - 30 May 2008 : 1:33:42 PM
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we're also all taxed to death. just look at how much tax and NI you all pay , check your latest payslip.
then theres VAT and as for fuel tax!!!!!!!!!!!!!!!!!!!!!! its the major portion of the petrol and diesel price.
Also in around 4 yrs time everyone will have to start saving into personal pension accounts. 4% of salary, the employer will add 3% and the gov 1%. so, whether people can afford it or not, the monthly pay packet will contain less, on £1000 monthly wage it will be £40 less, £2000 wage will be £80 less and so on. this will make a real difference to some people, especially when added to increase in morgage payments, increased gas and electric and food prices etc etc etc |
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LYNDILOU
Platinum Member
United Kingdom
13976 Posts |
Posted - 30 May 2008 : 1:40:22 PM
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LOL ,I think with a name like Nutter for prime minister! you should go far,
As always my thoughts are for the horses being born this year and horses already being bred for next year joining the ladder which goes down to the bottom with the meat man waiting for them a finite amount of homes for arabs so not enough to go around, sadly too many arabs have flooded the market, it has become easy to breed and with the bigger studs breeding many horses homes for them become scarce, so the answer is right there ! logic tells us not to breed, but then when has logic ever bothered the british breeder I might add that I have paid more for a puppy than I have sold a horse for!, where is the logic in that ! before you breed a foal do the sums, you will find it wont add up unless you plan to keep your foal! |
www.dreamfield-arabians.com |
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Joto
Gold Member
855 Posts |
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Maramoo
Silver Member
England
447 Posts |
Posted - 31 May 2008 : 9:33:37 PM
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| I agree Lyndilou! "Fools breed horse for wise men to buy" - I think that if you own a well bred mare and you choose your stallion carefully and you have the time, money and facilities (even if things go wrong) then breed, but only with the intention of improving the breed and creating a versatile animal. If you intend to keep it-even better. I have to say I have a pet hate of people breeding from a mare because she is unsound and unfit to do anything else (not talking about injured/aged mare). As the purse strings tighten (I work within the banking industry and things are changing) there will be less honest homes for the home-bred "sweetie" or indeed the mass-produced stud foal - think carefully, but still enjoy your animals as they are what makes life worth living |
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