North families "just one pay cheque away from homelessness", says charity

The Northern Echo: One pay cheque away from homelessness, charity claim One pay cheque away from homelessness, charity claim

MORE than a million families with children in the North of England could not pay their rent or mortgage for more than a month if they lost their job, a charity claims.

The YouGov survey of working adults who pay rent or a mortgage found that with little or no savings to fall back on, nearly half of all working families in the North could be just one pay cheque away from losing their home.

The research for homelessnes charity Shelter also found that more than a third of North families faced the prospect of immediately being unable to afford their home if they lost their income.

More than 700,000 families said that if they lost their job this month and could not get another one straight away, they would not be able to make their next rent or mortgage payment from their savings.

The latest government figures on savings mirror Shelter’s research, revealing that there are 15 million working age adults in the UK with no savings at all.

The charity’s findings showed that 3.8 million working families from across the UK could not pay their rent or mortgage from their savings for more than a month if they lost their job.

Liz Clare, a helpline advisor at Shelter, said: “This research highlights the financial knife-edge that millions of us now find ourselves on – living month to month, pay cheque to pay cheque.

“Every day we see the proof that just one piece of bad luck, like a sudden job loss or illness, could tip any of us into a spiral that puts the family home at risk.”

The charity is calling for better government support to give families short-term help to keep their homes if they fall on hard times.

Comments (12)

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12:27am Mon 14 Apr 14

Voice-of-reality says...

Sensationlist reporting given that mortgage wise one can usually, in the event of adverse circumstance (and assuming no insurance to cover such an eventuality), arrange a payment break of at least 6 months during which time one can make plans. Of course, it is in Shelter's best interest to commission such surveys
Sensationlist reporting given that mortgage wise one can usually, in the event of adverse circumstance (and assuming no insurance to cover such an eventuality), arrange a payment break of at least 6 months during which time one can make plans. Of course, it is in Shelter's best interest to commission such surveys Voice-of-reality
  • Score: -7

6:49am Mon 14 Apr 14

tubgut says...

It's shameful that successive governments Lib-Lab-Con and EU have driven people into this situation. It's just not working for the majority of people the millionaires have done very well. Rich get richer, politician's are no better as 50% of our laws come from the EU. Immigration is out of control now we find another 350,000 have been missed where does it end. As long as this continues people who work for a living have little to look forward too. It's getting better, is it? or are we getting more deception deceit and lies. The political classes need to be replaced.
It's shameful that successive governments Lib-Lab-Con and EU have driven people into this situation. It's just not working for the majority of people the millionaires have done very well. Rich get richer, politician's are no better as 50% of our laws come from the EU. Immigration is out of control now we find another 350,000 have been missed where does it end. As long as this continues people who work for a living have little to look forward too. It's getting better, is it? or are we getting more deception deceit and lies. The political classes need to be replaced. tubgut
  • Score: 2

8:55am Mon 14 Apr 14

bambara says...

A series of governments under Maggie, ToRy Blair and now the current one have supported the transfer of wealth from the poor to the rich.
The tory supporters will say "we do not have a policy of redistribution of wealth in the UK" in response to any suggestion that action should be taken to redress this imbalance.
This is obviously wrong, there is a policy of redistribution of wealth, but that policy is to transfer it from the poor (and middle class and upper middle class) to the rich.
Congratulations everyone, we are now back to a level of inequality last seen in 1918!
We are back to where we were after the first world war, where the rich lived in huge country houses staffed with dozens of servants, and the poor were on the edge of starvation. (Food banks, soup kitchens...)

Is that a bad thing? - The country is worse off in terms of taxation by approx £39bn per annum due to the increased inequality (see various reports & articles below) - So any wonder we have a deficit problem, it is caused by the rich siphoning off an ever increasing amount of the nations wealth.

As reported in the guardian in March of this year:
"The 100 wealthiest people in the UK have as much money as the poorest 18 million – 30% of all people"
From Oxfam figures:
"The five richest families in the UK are wealthier than the bottom 20 per cent of the entire population. That’s just five households with more money than 12.6 million people"

Huffington Post:
"For all the talk of an economic recovery, pay for the majority is still falling. Full-time UK workers are earning, on average, £2,084 less a year than they were in 2010. For an average household, this real terms drop in wages is the equivalent of 36 supermarket shopping trips, a year's energy bills, or 28 tanks of fuel for the car."

Or look up the many reports available from the Institute for Fiscal Studies.

The rich get richer and the poor get the blame. They own the papers, they own the media companies, and they use them to sow division, they spread propoganda that the problem is immigrants, or people on benefits. It is diversion tactics, look at X, but whatever you do don't look at how much of your wealth we are stealing.

Open your eyes and look up, because it is the thieves at the top who are doing far more damage to this country than the poor at the bottom.
A series of governments under Maggie, ToRy Blair and now the current one have supported the transfer of wealth from the poor to the rich. The tory supporters will say "we do not have a policy of redistribution of wealth in the UK" in response to any suggestion that action should be taken to redress this imbalance. This is obviously wrong, there is a policy of redistribution of wealth, but that policy is to transfer it from the poor (and middle class and upper middle class) to the rich. Congratulations everyone, we are now back to a level of inequality last seen in 1918! We are back to where we were after the first world war, where the rich lived in huge country houses staffed with dozens of servants, and the poor were on the edge of starvation. (Food banks, soup kitchens...) Is that a bad thing? - The country is worse off in terms of taxation by approx £39bn per annum due to the increased inequality (see various reports & articles below) - So any wonder we have a deficit problem, it is caused by the rich siphoning off an ever increasing amount of the nations wealth. As reported in the guardian in March of this year: "The 100 wealthiest people in the UK have as much money as the poorest 18 million – 30% of all people" From Oxfam figures: "The five richest families in the UK are wealthier than the bottom 20 per cent of the entire population. That’s just five households with more money than 12.6 million people" Huffington Post: "For all the talk of an economic recovery, pay for the majority is still falling. Full-time UK workers are earning, on average, £2,084 less a year than they were in 2010. For an average household, this real terms drop in wages is the equivalent of 36 supermarket shopping trips, a year's energy bills, or 28 tanks of fuel for the car." Or look up the many reports available from the Institute for Fiscal Studies. The rich get richer and the poor get the blame. They own the papers, they own the media companies, and they use them to sow division, they spread propoganda that the problem is immigrants, or people on benefits. It is diversion tactics, look at X, but whatever you do don't look at how much of your wealth we are stealing. Open your eyes and look up, because it is the thieves at the top who are doing far more damage to this country than the poor at the bottom. bambara
  • Score: 6

8:58am Mon 14 Apr 14

bambara says...

And I will re-post some figures from a previous item:

Tax contribution figures:

the top 10% of earners contribute 55.3%
the top 50% of earners contribute 89.2%
the bottom 50% contribute 10.8%
the bottom 10% contribute 0.5%

Sounds like the rich pay a lot of tax doesn't it, until you understand the distribution of wealth.

Top 10% have assets of 850 times the value of the assets of the bottom 50%
Per person the ordinary hard working person has less than 1/8th of a percent of the wealth of the top 10%

Now there are 5 x as many in the bottom 50% compared to the top 10% (50% to 10%) so in total the top 10% owns 850/5 = 170 x as much of the country as the combined total owned by everyone in the bottom 50% added together.

I will repeat that because it is a startling fact. The bottom 50% own approximately 0.6% of the assets that the top 10% have!

Yet the top 10% pay only 5 x as much tax.
On a share of the ownership of UK PLC per £1 of assets the poor average sod is paying 34 x as much tax.

So UK PLC is broken, there is a bill to fix it, and dividing up that bill by the amount that they own,the average person is being asked to pay 34 times as much as the rich.

Anyone still think the rich are overburdened with taxes?
And I will re-post some figures from a previous item: Tax contribution figures: the top 10% of earners contribute 55.3% the top 50% of earners contribute 89.2% the bottom 50% contribute 10.8% the bottom 10% contribute 0.5% Sounds like the rich pay a lot of tax doesn't it, until you understand the distribution of wealth. Top 10% have assets of 850 times the value of the assets of the bottom 50% Per person the ordinary hard working person has less than 1/8th of a percent of the wealth of the top 10% Now there are 5 x as many in the bottom 50% compared to the top 10% (50% to 10%) so in total the top 10% owns 850/5 = 170 x as much of the country as the combined total owned by everyone in the bottom 50% added together. I will repeat that because it is a startling fact. The bottom 50% own approximately 0.6% of the assets that the top 10% have! Yet the top 10% pay only 5 x as much tax. On a share of the ownership of UK PLC per £1 of assets the poor average sod is paying 34 x as much tax. So UK PLC is broken, there is a bill to fix it, and dividing up that bill by the amount that they own,the average person is being asked to pay 34 times as much as the rich. Anyone still think the rich are overburdened with taxes? bambara
  • Score: 6

10:29am Mon 14 Apr 14

bambara says...

Another very good report which I recommend everyone reads.
It is very user friendly, heavy on graphics and the figures used to generate it are available for anyone who wants them, but if you just want the overview, then it gives you that very clearly.

http://www.centrefor
welfarereform.org/li
brary/type/pdfs/coun
ting-the-cuts.html
Another very good report which I recommend everyone reads. It is very user friendly, heavy on graphics and the figures used to generate it are available for anyone who wants them, but if you just want the overview, then it gives you that very clearly. http://www.centrefor welfarereform.org/li brary/type/pdfs/coun ting-the-cuts.html bambara
  • Score: 2

12:06pm Mon 14 Apr 14

David Lacey says...

As VOR concludes this is yet another shameful and thinly veiled attempt to attack the minimal austerity imposed due to the madness of Broon, Balls and their cohorts. Wealth is either inherited, earned or won. Irrespective of how it is gained, left wingers consider it to be evil. They have a perfect right to feel that way. But thank goodness the majority of the public - who will vote Conservative, Labour, LibDem or UKIP - don't agree.
As VOR concludes this is yet another shameful and thinly veiled attempt to attack the minimal austerity imposed due to the madness of Broon, Balls and their cohorts. Wealth is either inherited, earned or won. Irrespective of how it is gained, left wingers consider it to be evil. They have a perfect right to feel that way. But thank goodness the majority of the public - who will vote Conservative, Labour, LibDem or UKIP - don't agree. David Lacey
  • Score: -4

6:57pm Mon 14 Apr 14

The Grim North says...

bambara wrote:
And I will re-post some figures from a previous item: Tax contribution figures: the top 10% of earners contribute 55.3% the top 50% of earners contribute 89.2% the bottom 50% contribute 10.8% the bottom 10% contribute 0.5% Sounds like the rich pay a lot of tax doesn't it, until you understand the distribution of wealth. Top 10% have assets of 850 times the value of the assets of the bottom 50% Per person the ordinary hard working person has less than 1/8th of a percent of the wealth of the top 10% Now there are 5 x as many in the bottom 50% compared to the top 10% (50% to 10%) so in total the top 10% owns 850/5 = 170 x as much of the country as the combined total owned by everyone in the bottom 50% added together. I will repeat that because it is a startling fact. The bottom 50% own approximately 0.6% of the assets that the top 10% have! Yet the top 10% pay only 5 x as much tax. On a share of the ownership of UK PLC per £1 of assets the poor average sod is paying 34 x as much tax. So UK PLC is broken, there is a bill to fix it, and dividing up that bill by the amount that they own,the average person is being asked to pay 34 times as much as the rich. Anyone still think the rich are overburdened with taxes?
Assets and income are completely different things. Assets are accumulated over decades or even generations. We have draconian levels of inheritance tax as it is and the majority of the UK population get far more from the state than they ever contribute over their lifetime.

How much more tax do you suggest the rich should pay and if people are asset rich and income poor are you suggesting that their assets are confiscated by the state instead?
[quote][p][bold]bambara[/bold] wrote: And I will re-post some figures from a previous item: Tax contribution figures: the top 10% of earners contribute 55.3% the top 50% of earners contribute 89.2% the bottom 50% contribute 10.8% the bottom 10% contribute 0.5% Sounds like the rich pay a lot of tax doesn't it, until you understand the distribution of wealth. Top 10% have assets of 850 times the value of the assets of the bottom 50% Per person the ordinary hard working person has less than 1/8th of a percent of the wealth of the top 10% Now there are 5 x as many in the bottom 50% compared to the top 10% (50% to 10%) so in total the top 10% owns 850/5 = 170 x as much of the country as the combined total owned by everyone in the bottom 50% added together. I will repeat that because it is a startling fact. The bottom 50% own approximately 0.6% of the assets that the top 10% have! Yet the top 10% pay only 5 x as much tax. On a share of the ownership of UK PLC per £1 of assets the poor average sod is paying 34 x as much tax. So UK PLC is broken, there is a bill to fix it, and dividing up that bill by the amount that they own,the average person is being asked to pay 34 times as much as the rich. Anyone still think the rich are overburdened with taxes?[/p][/quote]Assets and income are completely different things. Assets are accumulated over decades or even generations. We have draconian levels of inheritance tax as it is and the majority of the UK population get far more from the state than they ever contribute over their lifetime. How much more tax do you suggest the rich should pay and if people are asset rich and income poor are you suggesting that their assets are confiscated by the state instead? The Grim North
  • Score: 0

7:12pm Mon 14 Apr 14

Voice-of-reality says...

Alas, Grim north, it is only a matter of time before the state confiscates the assets of all of use who have worked hard. What the left fails to realise is that if the hardworking majority continue to be fleeced there will come a time when they have nothing more left to give.
Alas, Grim north, it is only a matter of time before the state confiscates the assets of all of use who have worked hard. What the left fails to realise is that if the hardworking majority continue to be fleeced there will come a time when they have nothing more left to give. Voice-of-reality
  • Score: 1

8:06pm Mon 14 Apr 14

darloboss says...

crazy lacey at his best again
crazy lacey at his best again darloboss
  • Score: 0

10:57pm Mon 14 Apr 14

behonest says...

darlotoss with his meaningless comments again.

In respect of the article, if we ran out of North Sea oil next week a lot of jobs would be lost. If the banking system collapsed again next week, the economy would be in ruins again. If a nuclear bomb hits us, we're in trouble. All very unlikely to happen of course.

Worst of all, if Labour get back in next year....woe betide everyone!
darlotoss with his meaningless comments again. In respect of the article, if we ran out of North Sea oil next week a lot of jobs would be lost. If the banking system collapsed again next week, the economy would be in ruins again. If a nuclear bomb hits us, we're in trouble. All very unlikely to happen of course. Worst of all, if Labour get back in next year....woe betide everyone! behonest
  • Score: 2

8:31am Tue 15 Apr 14

laboursfoe says...

Oh dear, so now we've come to asset stripping. Envy really is a terrible thing.
Oh dear, so now we've come to asset stripping. Envy really is a terrible thing. laboursfoe
  • Score: 0

9:34am Tue 15 Apr 14

laboursfoe says...

bambara wrote:
And I will re-post some figures from a previous item:

Tax contribution figures:

the top 10% of earners contribute 55.3%
the top 50% of earners contribute 89.2%
the bottom 50% contribute 10.8%
the bottom 10% contribute 0.5%

Sounds like the rich pay a lot of tax doesn't it, until you understand the distribution of wealth.

Top 10% have assets of 850 times the value of the assets of the bottom 50%
Per person the ordinary hard working person has less than 1/8th of a percent of the wealth of the top 10%

Now there are 5 x as many in the bottom 50% compared to the top 10% (50% to 10%) so in total the top 10% owns 850/5 = 170 x as much of the country as the combined total owned by everyone in the bottom 50% added together.

I will repeat that because it is a startling fact. The bottom 50% own approximately 0.6% of the assets that the top 10% have!

Yet the top 10% pay only 5 x as much tax.
On a share of the ownership of UK PLC per £1 of assets the poor average sod is paying 34 x as much tax.

So UK PLC is broken, there is a bill to fix it, and dividing up that bill by the amount that they own,the average person is being asked to pay 34 times as much as the rich.

Anyone still think the rich are overburdened with taxes?
You are mixing income and assets yet again..... Different beasts!!
[quote][p][bold]bambara[/bold] wrote: And I will re-post some figures from a previous item: Tax contribution figures: the top 10% of earners contribute 55.3% the top 50% of earners contribute 89.2% the bottom 50% contribute 10.8% the bottom 10% contribute 0.5% Sounds like the rich pay a lot of tax doesn't it, until you understand the distribution of wealth. Top 10% have assets of 850 times the value of the assets of the bottom 50% Per person the ordinary hard working person has less than 1/8th of a percent of the wealth of the top 10% Now there are 5 x as many in the bottom 50% compared to the top 10% (50% to 10%) so in total the top 10% owns 850/5 = 170 x as much of the country as the combined total owned by everyone in the bottom 50% added together. I will repeat that because it is a startling fact. The bottom 50% own approximately 0.6% of the assets that the top 10% have! Yet the top 10% pay only 5 x as much tax. On a share of the ownership of UK PLC per £1 of assets the poor average sod is paying 34 x as much tax. So UK PLC is broken, there is a bill to fix it, and dividing up that bill by the amount that they own,the average person is being asked to pay 34 times as much as the rich. Anyone still think the rich are overburdened with taxes?[/p][/quote]You are mixing income and assets yet again..... Different beasts!! laboursfoe
  • Score: 0

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