How are the cheapys fending?

Rossi46 said:
£1 Billion paid out on just 6020 loans from government. Only 6020! Money isn’t getting through to business that are struggling to stay afloat. This is just the start of the claims.
Don’t hold your breath all you holier than thou on here.
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the reason why things crack is to let the light through.
we shall rise again brother
bigger and stronger than ever before.
trust in your lord algee
and set yourself free (y) (y)
 
owls said:
If you have a small ltd as I do, im entitled to nothing anyway, because I take dividends. So my moral stance is costing me thousands anyway in lost income. I’ve made my bed I’ll lie in it though.
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I'm the same, but I'd add one other thing to the reasons for staying off work. It gives me an opportunity to be preachy and holier than thou when I feel like it. The opportunity for fuckwittery of that level is worth fcuking thousands to a c**t someone like me. (y)

 
Well I don’t appreciate being called a bottom feeder for going to work.

I absolutely respect @owls in general, and his course of action. (I can’t fault you mate!)

But everyone’s different and has different circumstances. I’m not personally going to make assumptions and judgements on anybody. Hopefully ever.
 
lurpak said:
Bet them £80 / £120 a day lads are feeling it now and starting to panic.

Genuinely intrigued as how people who are running low on cash are managing now?

No money coming in / money still going out. Only a matter of time before the cashflow fails.
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I.m doing ok mate . Need to drop to 2 days a week for good it suits me
 
JessThePlasterer said:
Well I don’t appreciate being called a bottom feeder for going to work.

I absolutely respect @owls in general, and his course of action. (I can’t fault you mate!)

But everyone’s different and has different circumstances. I’m not personally going to make assumptions and judgements on anybody. Hopefully ever.
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S.C.A.B
 
JessThePlasterer said:
Well I don’t appreciate being called a bottom feeder for going to work.

I absolutely respect @owls in general, and his course of action. (I can’t fault you mate!)

But everyone’s different and has different circumstances. I’m not personally going to make assumptions and judgements on anybody. Hopefully ever.
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Middle feeder then? :oops:
 
JessThePlasterer said:
I’m not personally going to make assumptions and judgements on anybody. Hopefully ever.
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If that's true you genuinely don't know what you're missing. Imagine going through life being really nice and compassionate only to find that there isn't a hell and karma is bollox? Hedge your bets and go for 50/50 of being a judgemental sociopath and a good egg.

Doing that does the obvious, but it also provides additional entertainment when people who know you but not each other meet then fall out and/or start arguing over whether your great or a tw4t.
 
imago said:
If that's true you genuinely don't know what you're missing. Imagine going through life being really nice and compassionate only to find that there isn't a hell and karma is bollox? Hedge your bets and go for 50/50 of being a judgemental sociopath and a good egg.

Doing that does the obvious, but it also provides additional entertainment when people who know you but not each other meet then fall out and/or start arguing over whether your great or a tw4t.
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Like a tpf buddha monk
 
imago said:
I know, and I agree, but there are as many circumstances as there are people. Imagine for example in February you completed on your first buy to let as an investment for the future and security for your pension and family.

You've extended your own mortgage for a deposit and got a BTL mortgage. You can cover the payments, just. So all's well while you're working and you're doing the work on the new place at weekends and evenings.

Then this hits and it's game over because you can't pay one mortgage let alone two. You have the house in a state that it can't be let or sold and whilst you can have a mortgage holiday you're just racking up more debt and doubling/trebling the time until you can let it.

You've done nothing wrong, been quite sensible in many ways. Yet now you're faced with financial ruin or working in poor circumstances. What do you do?

I use that example because I did exactly that some years ago. It all worked out fine for me because it went to plan. But I know exactly what I'd be doing if I was in that position, and I'd argue anyone else would do the same. You're not going to lose the lot over a might or maybe.
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So you'd be in the exact same position on 3 months as you would be now as you'd have no mortgage to pay due to mortgage holiday and a few grand minimum dropping in your account 2 months from now. So you'd still have your 2 houses and the same amount of money so where's the need to work?

And if you've remortgaged to buy and do up a buy to let then you'd still have the money in your bank you were going to spend doing it up.

Only people I feel sorry for in all this is people who went self employed 12 months ago or less, they have been shafted and could well be in big trouble
 
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owls said:
If you have a small ltd as I do, im entitled to nothing anyway, because I take dividends. So my moral stance is costing me thousands anyway in lost income. I’ve made my bed I’ll lie in it though.
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Ye but owls theres lads out there that are genuinely struggling,just getting by who have people to feed,what are you owls in your 70s? Your probably set up to have some time off
 
Nath80 said:
So you'd be in the exact same position on 3 months as you would be now as you'd have no mortgage to pay due to mortgage holiday and a few grand minimum dropping in your account 2 months from now. So you'd still have your 2 houses and the same amount of money so where's the need to work?

Only people I feel sorry for in all this is people who went self employed 12 months ago or less, they have been shafted and could well be in big trouble
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King robbos back
 
Nath80 said:
So you'd be in the exact same position on 3 months as you would be now as you'd have no mortgage to pay due to mortgage holiday and a few grand minimum dropping in your account 2 months from now. So you'd still have your 2 houses and the same amount of money so where's the need to work?

And if you've remortgaged to buy and do up a buy to let then you'd still have the money in your bank you were going to spend doing it up.

Only people I feel sorry for in all this is people who went self employed 12 months ago or less, they have been shafted and could well be in big trouble
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It's genuinely impressive just how much stupid you manage to fit into a single post. Please don't ever change, we'd miss it.
 
imago said:
It's genuinely impressive just how much stupid you manage to fit into a single post. Please don't ever change, we'd miss it.
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You wouldn't need to work based on the example you gave
 
Theres lots of lads on here that have said they can survive at least a year financially...theres no way you they could charging £80 - £120 a day...

These are exactly the unexpected times that we as self employed running businesses have to prepare for...

Hopefully no one will get into trouble financially but this is exactly the reason why you charge £275+ per day.
 
FreeD said:
Theres lots of lads on here that have said they can survive at least a year financially...theres no way you they could charging £80 - £120 a day...

These are exactly the unexpected times that we as self employed running businesses have to prepare for...

Hopefully no one will get into trouble financially but this is exactly the reason why you charge £275+ per day.
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f**k em
 
FreeD said:
Theres lots of lads on here that have said they can survive at least a year financially...theres no way you they could charging £80 - £120 a day...

These are exactly the unexpected times that we as self employed running businesses have to prepare for...

Hopefully no one will get into trouble financially but this is exactly the reason why you charge £275+ per day.
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Maybe some lads on here say they earn 80 a day as they dont want to discuss what they earn...............
Hmmmmmmm.
 
FreeD said:
Theres lots of lads on here that have said they can survive at least a year financially...theres no way you they could charging £80 - £120 a day...

These are exactly the unexpected times that we as self employed running businesses have to prepare for...

Hopefully no one will get into trouble financially but this is exactly the reason why you charge £275+ per day.
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I know a ground worker on £120 and day self employed
took good advice from his old fella.

hes invested well in properties here and abroad and a good life style because hes sensible/tight with money.

my brother and his wife clear well over 2k a week
but are always skint.
theve been all over the world
nice cars nice house enjoying their lives.

everyone is Martin Lewis on here.
 
I appreciate George, good fella when letting the f**k**s have it. When he went to the US and sat in front of the senate, class act...
 
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