If you are reading this e-book you have probably already realized that the UK economy has changed for the worse and probably won’t be getting any better for the foreseeable future. I may have more experience than most regarding living on a reduced income. I was in Information Technology (IT) from 1986 up until 2002 ish when the internet made it possible for IT companies to outsource my role abroad. For various reasons most other industries are in severe trouble now.
It took me a few years to learn what I now know about cutting your living expenses whilst maintaining the elements that are important to me. It is obviously not possible to continue having multiple foreign holidays a year but if you make the best of what comes your way you can eat and drink well in a warm home.
Unsurprisingly the subject matter causes me to stray into current affairs and politics. Please don’t be offended by my opinions. If it seems that I am criticizing one party more than the others please remember that I don't trust today's career politicians. They will do anything to get re-elected.
Apologies if you find this e-book a bit unpolished. I am usually writing IT related documents. Perhaps it shows through.
This e-book can be a little subversive here and there and I still harbour ambitions to return to IT so I have adopted a pseudonym.
A penny saved is a penny earned.
This may have been true before tax was invented. The income tax allowance is £8,105 so even low paid workers may be paying some income tax. They may also be paying some national insurance at 12%, and of course if what you are buying attracts VAT you are paying that too.
I am happy to engage with readers. My email address is cestrianpimpernel@gmail.com