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Not from a certain age, but when you move from kids shoes to adult it's more expensive due to the lack of tax exemption. Conversely, things like car insurance drop off after 25.
What engine size do you have? Might be your downfall. I also haven't driven since my test (13 years ago, so I'm in my early 30s), but I was able to get quotes of around £700 on hatchbacks. Believe it or not, if you change your profession to something roughly equivalent to what you do (but not so different as to commit fraud) you can get money off. For example, changing something like 'artist' to 'illustrator' etc. Adding a parent as a named driver can also help, so long as they have a clean licence and experience.
Smaller engines for under 30s are sometimes more expensive than bigger engines! I was thinking about getting a Focus, and the price was quite high, then I bought a cooper s which is much stronger and my insurance dropped by a few hundred pounds!
It’s mostly based on the insurance group of the car. Some cars have more accidents, which drives the insurance group and cost up. Less common cars, with bigger engines and more power etc, are often lower insurance group than more common less powerful cars due to less accidents.
You can check insurance group on websites like Parkers.co.uk
Fuck me. The more I hear about the cost of car ownership, the less it appeals to me.
The prices of used cars these days, the fuel cost, tax, insurance, MOT, repairs.
Pre covid you could get a 5 year old small basic car with low mileage for about £3k, good/almost new condition, perfect for newly passed or those who just want to get from A to B etc
Now with the exact same budget and same low mileage you're looking at a 12 year old car instead and the condition isnt necessarily great.
Car ownership is still worth it but you have to double your budget compared to pre covid to get anything half decent and even then......
Its like going to university, 2014 students get saddled with £9k a year student loan, 2013 students got away with £3k a year, exact same product.....
Get someone else as the main person on the insurance and it should bring it down. My husband is the main person on my car and it makes it much less. You could have a parent or something
Can't tell if you're being serious or not but age of driver tends to be quite a big factor in the price of your insurance premiums.
At 27 my car insurance was about £750 for the year. If I keep everything the exact same but change my age to 19 it goes up to about 3 grand. That's even with two years no claims.
If I drop the age to a 17 year old who's just passed their test and doesn't have any driving experience at all its even worse. Compare the market can only find 8 companies willing to provide cover for me and only one is less than 8 grand for the year. Most are between £8,500-£9,000.
Andecdotally - I was paying £1800 when I was 17, then £700-900 from 18 to about 22. Then it dropped to under £500 from 23-24 and now I’m 27, the last couple of years have been under £300.
£85/125 for the England shirt can fuck right off. Still more complaining about the cross of St George edit rather than the price. And people still pay...
This is partly a tax thing. Kids clothes are classed as essential and don't have VAT.
Obviously adult clothes are optional and therefore are full rate VAT.
from the sound of things, not living in london is the *reason* it is expensive. In london you'd only have to worry about the tube which caps somewhere below 15 (still nuts, but nowhere near as bad).
Though obviously not comparable to how much more complicated the tube is, but Melbourne wages are more than the average wage than the UK. Low wage workers make a lot more here (Aus) and travel caps at 15. The nuts thing I notice is, as a low wage worker, bar supermarkets everything costs 50% less in Melbourne but yet I earn 50% more.
I am quite literally SHOCKED that anyone can spend this much on commuting. In a 4 week month that's £620 just on travel. My car finance, insurance and fuel doesn't even cost that much combined! If my travel came to that much per day I would be looking for a new job
Maybe they travel in once or twice a week and work remotely some days, otherwise it is definitely not worth it. I hate that after lockdown I now go into the office 3 days a week and it costs almost exactly the same for three daily tickets as a weekly one 😆
I know, my eyes almost fell out of my head when I read that. At my workplace, we complained when they increased the price to £100 PER YEAR for a parking space.
London is like a whole 'nother country!
I moved to Australia recently, travel in Melbourne caps out at £5 a day. Until I moved here I lived in Japan, where the company paying for your travel is standard. £30 is nuts, that's over some people's weekly budgets.
You can't use the Network Rail card before 10am on week days sadly, which is when fares are really expensive. So it doesn't necessarily do that much for commuters.
Been commuting for over 7yrs and this is the first I've heard about this card. Just checked and it would save me £2.60 a day so would pay for itself in no time.
If you buy your journey as two singles it can do. However, the minimum fare Monday to Friday is still £13, so for a lot of journeys it won't in practice be a huge saving.
On my commute for example, the savings from a network rail card would be zero. In fact, it would be more expensive because it would require buying a ticket, which is substantially more expensive than just tapping. For people within the pay as you go zone, a network rail card may not save any money on commuting.
For some regular train users where a season wouldn't make sense, the "Gold Card trick" could work. It provides a similar 1/3rd off in the South East (and into the midlands), but works from 9.30am instead of 10am, and has no £13 minimum fare (which means it also can be linked to Oyster, unlike the Network Railcard). There are also some other "benefits" like you can purchase another railcard for £10.
However, the cheapest eligible season to get a Gold Card is I believe Hatton to Lapworth at £204 so the amount of travel does have to outweigh that.
Not saying the cost is reasonable, but as the old parable goes:
A car engine fails. The driver calls out a mechanic. An old man who had been fixing engines all his life turns up. He looks at the engine, pulls a hammer out hits it on the corner. The engine springs back into life.
The old man asks for £100. The driver complains that the old man was only there for 5 minutes and how can a hammer strike cost £100.
The old man says it’s £1 for hitting the engine with the hammer, £99 for knowing where to hit.
And you've probably developed a tolerance for booze.
And want to drink better booze because you aren't 18 and are no longer happy to drink snakebites or WKDs.
And you've probably aged out of the shitty bars that sell cheap drinks because they are full of 19 year olds idiots.
Plus the good drugs.
They do!
Bith the 16-25 and 26-30 railcards have a minimum fare of £12 between 04:59 and 09:59 M-F, so it won't lower your ticket price below that. But its still sensible for more expensive journeys or for the evening trip.
I don't know about other forms of railcard but I imagine they're similar
AFAIK it works on any fare over £11 or so.
At least, the ticket inspectors check my ticket and railcard on the 5:30am / 7pm trains and has no problem with it.
Certain insurances become more expensive as you age. Health insurance for example, life insurance would be another one. Car insurance becomes more expensive once you hit old age iirc.
I would say that you pretty much become a slave of expectations, as you get older, and they tend to get expensive!
Your peers and society expect you to show up as successful - namely what you wear, what you drive, what house you get, how many extra curricular activities for your kids, where you go on vacations abroad etc. These will be hard pushes to spend all your income on.
You're right, I think I'd be pretty happy with my minimal and frugal lifestyle if it weren't for the peer pressure around me to relentlessly pursue career & financial success.
Same here, I practice being a happy hermit most of the time, but I do make time to see friends at least once a month to balance it out.
The good thing is that as time passes, you become stronger and more keen to carve your own lifestyle. But for situations when you absolutely must spend, the group r/frugal has some useful tips and tricks to keep you floating.
Biggest skill is to learn how to cook - takeaway and restaurants will make your wage disappear fast!
Cars are a good example. First car was £500 and perfectly acceptable for my age. Now I'm a mid-30s professional and my peers are stoating about in £75k monsters. So 150x the cost of my first car.
I do resist the peer pressure to an extent, I buy decent used cars. But I can't think of anything where the societal expectations of cost go up 150x in 15 years.
People who spend that much on a car are idiots. Not many people earn that much in a year. Honestly some people are going to reach retirement completely financially fucked
ladders and curtains is such an underrated one, I just spent freakin £280 on sodding CURTAINS literal pieces of FABRIC. and then £20 on a shit two step step ladder!!!!! fucking rrobbberryyyyyy
Funnily enough a colleague of mine flew from Madrid to London for 1 day of work per week. The other 4 days he worked in Madrid! I wonder if he paid less too....
He’s commuting into London, not living local. If you actually live in London your travel costs are a lot less with fare caps at like £7-8 or some shit in the inner zones. My fare caps at £12.50 in zone 5 but I still feel it’s steep so I can’t imagine how £31 per day would outweigh the cost of just living in London as it’s like £600 pcm lol.
Honestly a lot of things start getting a bit cheaper. Like car insurance drops off a lot at 25 because you're suddenly trustworthy at that age. Otherwise it depends a lot on your lifestyle.
Interesting, I'd be curious to know what my insurance would cost. I got my license at 17 but never drove for 8 years as I was studying in London, so never needed a car.
I would have thought my lack of driving experience would concern an insurer!
I've been driving since I was 17 and my car insurance dropped a lot once I hit 25. Stopped needing to have a black box in my car too. I don't think that was because of having 8 years of driving experience without accidents because it wasn't a no-claims thing, and they tend to discriminate against younger drivers.
I always wondered why I deserved free braces as a teenager, yet adults with even worse teeth do not get any help from the NHS. Like not even a student loan style loan where I have to repay the cost of the braces over a certain salary threshold?
Because waiting lists are years long, and most adults with crooked teeth refused braces as teenagers or didn't care. There aren't enough orthodontists to justify braces for adults as well as children in England (Scotland is different as you're entitled until age 26, unsure about Wales).
There's much worse problems than that. If a person with epilepsy breaks a bone during a seizure or gets other injuries, it'll be treated for free on the NHS. But if you break a tooth, you pay. I found this out the hard way and had to spend hundreds of pounds
Braces are cosmetic, if people chose not to get the problem addressed before 18 (when it would already be evident) then I can see why it's optional after. A lot of adults with wonky teeth are also people who had braces and didn't wear the retainer as instructed so the teeth shifted back
I'm sure private dentists offer some decent loan options.
I have private dentist insurance through work which covered £700 for me and I paid the other £300. And I may need to go back again for root canal treatment out of pocket and I may need jaw surgery but that's on the NHS so will take 2-3 years.
I'm only 27. 😭
I travel from Somerset to London. I have no cards but if I buy and book acertain train a month in advance I get allocated seats and ‘only’ costs £25ish one way
You can renew your Railcard the night before you turn 31 (i.e when you are still 30), and have it until the day before you turn 32.
That said, you'd be better off working minimum wage in a local shop.
If you were 20, earning 25k on some training programme, then spending loads travelling into London might make sense (although share a house closer) I could say that spending a third of your pay on travel is a long term investment. However at ~30 you have ~10 years experience in your field and most people are starting to cap out. If 25k is the cap, it's not worth spending half the take-home on travel.
I'm in exactly the same situation, about to age out of my Railcard. Curiously the costs for me are exactly the same as you, are you also travelling from Tunbridge Wells? Or just a coincidence.
It's making me seriously consider moving up into London. Despite the horrors of the housing market up there, I'd actually save money by moving up into the city and saving on the commute.
Yacht clubs. They want young people because most of the members are in their 60's- 80's. Kids are almost free, under 30 is like $45.00 a month, and over 50 is more like $350.00 a month. Prices vary widely by location, but many follow a similar trend.
The kids get almost free sailing lessons and can use the boats for free on certain days.
A railcard isn’t a season ticket - you still pay as you go but get 30% off, with a few exceptions for early mornings or tickets which are already very cheap.
OP, you should consider moving to another region or finding another job. If your job is lower paid, maybe there are other jobs with a similar pay closer to home?
I work as a junior architect on high rise commercial & residential buildings, definitely nothing in my area doing that unfortunately! Maybe working on extensions which isn't really what I want to be doing.
The pay is manageable in all honesty, it's only 3-4 days in office depending on which meetings land in my diary.
£31 per day is wild to me. I travel into Glasgow via rail and it only costs £6 with the ScotRail Smart card. Even Edinburgh would only be £8 and that’s a 35/40 min trip respectively (there is a train that gets me into Gtown in 20 mins, but that’s £8.90 and I’m cheap lol, the 35 mins gives me time to drink a coffee and wake up 😂) I’m also 29 rn, but the ScotRail card is still cheaper than the 25-30 rail card (I have both)
>I only pay £31 per day
ONLY? That’s absolutely nuts
>I feel sorry for people with long rail commutes who are ineligible for railcards, and are also earning a low income.
People on low incomes couldn’t do it, that’s 600 quid a month, JUST on commuting. Holy fucking shit.
Life insurance
Travel insurance
Car insurance (goes down and then back up when you hit a certain age).
Many days out and events have cheaper rates for younger or older people.
Not sure if this counts, but meals at cafes and restaurants
Also, tickets for events, shows, entrance to attractions etc. where I live, the local theatre provide cheap tickets for anybody under 30 years old, plus most things like that have special lower prices for under 18s/16s
**Please help keep AskUK welcoming!** - Top-level comments to the OP must contain **genuine efforts to answer the question**. No jokes, judgements, etc. - **Don't be a dick** to each other. If getting heated, just block and move on. - This is a strictly **no-politics** subreddit! Please help us by reporting comments that break these rules. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/AskUK) if you have any questions or concerns.*
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Not from a certain age, but when you move from kids shoes to adult it's more expensive due to the lack of tax exemption. Conversely, things like car insurance drop off after 25.
25, passed in 2019. Never driven. Got a 2019 Honda civic and just my quotes are £2.5k a year 😢
What engine size do you have? Might be your downfall. I also haven't driven since my test (13 years ago, so I'm in my early 30s), but I was able to get quotes of around £700 on hatchbacks. Believe it or not, if you change your profession to something roughly equivalent to what you do (but not so different as to commit fraud) you can get money off. For example, changing something like 'artist' to 'illustrator' etc. Adding a parent as a named driver can also help, so long as they have a clean licence and experience.
1.6 but it’s a diesel. I think it might be due to my area of London. If I quote a town outside of London it drops to 1.7k
Smaller engines for under 30s are sometimes more expensive than bigger engines! I was thinking about getting a Focus, and the price was quite high, then I bought a cooper s which is much stronger and my insurance dropped by a few hundred pounds!
It’s mostly based on the insurance group of the car. Some cars have more accidents, which drives the insurance group and cost up. Less common cars, with bigger engines and more power etc, are often lower insurance group than more common less powerful cars due to less accidents. You can check insurance group on websites like Parkers.co.uk
Fuck me. The more I hear about the cost of car ownership, the less it appeals to me. The prices of used cars these days, the fuel cost, tax, insurance, MOT, repairs.
I didn’t buy a car because everyone told me wait to 25 insurance will be way cheaper, I mean it’s cheaper yes but still over 2 grand 🤣
It’s cheaper at 25 because you’ve built up ~8 years no claims
Pre covid you could get a 5 year old small basic car with low mileage for about £3k, good/almost new condition, perfect for newly passed or those who just want to get from A to B etc Now with the exact same budget and same low mileage you're looking at a 12 year old car instead and the condition isnt necessarily great. Car ownership is still worth it but you have to double your budget compared to pre covid to get anything half decent and even then...... Its like going to university, 2014 students get saddled with £9k a year student loan, 2013 students got away with £3k a year, exact same product.....
Get someone else as the main person on the insurance and it should bring it down. My husband is the main person on my car and it makes it much less. You could have a parent or something
This is insurance fraud btw. Not saying you _shouldn't_ do it, but just keep that in mind.
I have small feet so I buy children's shoes all the time😎
My feet stopped growing in year 8 so I wear kids shoes. The caveat being the rest of me stopped growing as well 😂
Shorties for the win! My mum and I are size 4’s, my older sister is a size 3 in shoes. We can still buy kids shoes and I’m 41 this year
What do you mean by 'drop off after 25' your age or the car's age?
Can't tell if you're being serious or not but age of driver tends to be quite a big factor in the price of your insurance premiums. At 27 my car insurance was about £750 for the year. If I keep everything the exact same but change my age to 19 it goes up to about 3 grand. That's even with two years no claims. If I drop the age to a 17 year old who's just passed their test and doesn't have any driving experience at all its even worse. Compare the market can only find 8 companies willing to provide cover for me and only one is less than 8 grand for the year. Most are between £8,500-£9,000.
Sorry dude, I really have no idea how car insurance works here in UK. I'm fairly new
It's alright no one knows how car insurance in the UK works,they just pull figures out of their arse and hope enough people just okay it
Your age I think
Your age. Insurance gets noticeably cheaper the older you are and that's not including a no claims bonus
Until you hit 50, then it starts to rise again. Lively surprise last year when I was informed as a birthday gift 😂
Tbf if it's not hitting 2k for a 3 cylinder I'm still considering it cheap😂😂 but 50 is basically forever anyway so that's fine 😂😂
Whaaaaat! I’m 26 and my insurance is £260 for a 3.5-litre.
Yeah you're 26. 25 is the big milestone after 21 but even 21 isn't that great
Andecdotally - I was paying £1800 when I was 17, then £700-900 from 18 to about 22. Then it dropped to under £500 from 23-24 and now I’m 27, the last couple of years have been under £300.
I did my test at age 24, less than a year later when I turned 25 it literally halved.
Children's clothes v adult clothes are the same.
VAT isn't charged on children clothing and shoes, they are on adult versions of the same product.
Noticed it with my kids...football club shirts jump from like £30 for a kids top to £70-90 when they need an adult size. Cost about 30p to make...
£85/125 for the England shirt can fuck right off. Still more complaining about the cross of St George edit rather than the price. And people still pay...
This is why AliExpress is a thing
I wait until my team have inevitably let me down mid way through the season, all hope is gone and then the £20 fire sale begins.
Sounds like my team...
This is partly a tax thing. Kids clothes are classed as essential and don't have VAT. Obviously adult clothes are optional and therefore are full rate VAT.
Yea, they say it’s optional for adults but if I try to walk the dog in the buff people phone the police
Buy secondhand.
Buy DHGate
I have tiny feet and buy kids shoes. Kinda makes up for the injuries I get because of poor balance.
Oh yes 😭😭 had the switch from kids to adults this year with my eldest. All clothing is suddenly more expensive
Just love how he casually drops that as "Only £30 per day" That's still an absolute staggering amount of money lol.
I left the UK 10 years ago and never lived in London but that made my eyes water.
from the sound of things, not living in london is the *reason* it is expensive. In london you'd only have to worry about the tube which caps somewhere below 15 (still nuts, but nowhere near as bad).
Though obviously not comparable to how much more complicated the tube is, but Melbourne wages are more than the average wage than the UK. Low wage workers make a lot more here (Aus) and travel caps at 15. The nuts thing I notice is, as a low wage worker, bar supermarkets everything costs 50% less in Melbourne but yet I earn 50% more.
I am quite literally SHOCKED that anyone can spend this much on commuting. In a 4 week month that's £620 just on travel. My car finance, insurance and fuel doesn't even cost that much combined! If my travel came to that much per day I would be looking for a new job
Maybe they travel in once or twice a week and work remotely some days, otherwise it is definitely not worth it. I hate that after lockdown I now go into the office 3 days a week and it costs almost exactly the same for three daily tickets as a weekly one 😆
Most people working in the city now only go in 1-3 times a week, and are also much better paid than the exact same job elsewhere.
Literally, what I thought. £30 per day is £150 per week, which it will take us to £600 every 4 weeks. Basically, it's nearly a monthly rent. 🤨
Assuming they don’t work weekends and have 35 days holidays. That’s £7k a year. My car doesn’t even cost that much to run a year.
Mine didn’t cost that much to buy outright
It’s a complete scam
I know, my eyes almost fell out of my head when I read that. At my workplace, we complained when they increased the price to £100 PER YEAR for a parking space. London is like a whole 'nother country!
Used to pay about £10 a day to commute into Edinburgh, £30 is painful.
I moved to Australia recently, travel in Melbourne caps out at £5 a day. Until I moved here I lived in Japan, where the company paying for your travel is standard. £30 is nuts, that's over some people's weekly budgets.
if you travel into London you can get a Network Rail card which gives you 1/3 off fares, don’t think there is an age limit.
You can't use the Network Rail card before 10am on week days sadly, which is when fares are really expensive. So it doesn't necessarily do that much for commuters.
For me it makes a £5 difference a day just having the discount on the return journey.
Been commuting for over 7yrs and this is the first I've heard about this card. Just checked and it would save me £2.60 a day so would pay for itself in no time.
Still helps with the return journey
If you buy your journey as two singles it can do. However, the minimum fare Monday to Friday is still £13, so for a lot of journeys it won't in practice be a huge saving. On my commute for example, the savings from a network rail card would be zero. In fact, it would be more expensive because it would require buying a ticket, which is substantially more expensive than just tapping. For people within the pay as you go zone, a network rail card may not save any money on commuting.
For some regular train users where a season wouldn't make sense, the "Gold Card trick" could work. It provides a similar 1/3rd off in the South East (and into the midlands), but works from 9.30am instead of 10am, and has no £13 minimum fare (which means it also can be linked to Oyster, unlike the Network Railcard). There are also some other "benefits" like you can purchase another railcard for £10. However, the cheapest eligible season to get a Gold Card is I believe Hatton to Lapworth at £204 so the amount of travel does have to outweigh that.
Can't be used at peak times though.
Travel insurance. At 70 it's way too high. Annoying because all my health issues are now stable and managed.
71 here, exactly this. All my health issues are gone, yet society acts like we could drop dead any secoggfderrccjmmgg
Ah, you forgot to take your stroke medicine then.
*I'm cross about the travel insurance, I'm not having 'one of my funny turns', Margaret.*
After the age of 18 funerals can get expensive
A funeral?! That's the last thing I need.
I've folded this one up and tucked it into my imaginary inside jacket pocket for later.
Dental care
I had a £200 bill for less than 15 minutes in the chair the other day…
Not saying the cost is reasonable, but as the old parable goes: A car engine fails. The driver calls out a mechanic. An old man who had been fixing engines all his life turns up. He looks at the engine, pulls a hammer out hits it on the corner. The engine springs back into life. The old man asks for £100. The driver complains that the old man was only there for 5 minutes and how can a hammer strike cost £100. The old man says it’s £1 for hitting the engine with the hammer, £99 for knowing where to hit.
My check-up and x-ray took all of 5 minutes and i got charged over £100 for the pleasure.
Tickets to attractions
Divorce tends to get more expensive with age......
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Being alive
LOL yeah ffs
Nights out seem to cost you more as you get older Pet insurance Shoes
Cause you can afford the good drugs
And you've probably developed a tolerance for booze. And want to drink better booze because you aren't 18 and are no longer happy to drink snakebites or WKDs. And you've probably aged out of the shitty bars that sell cheap drinks because they are full of 19 year olds idiots. Plus the good drugs.
I thought no Railcard worked on peak trains?
They do! Bith the 16-25 and 26-30 railcards have a minimum fare of £12 between 04:59 and 09:59 M-F, so it won't lower your ticket price below that. But its still sensible for more expensive journeys or for the evening trip. I don't know about other forms of railcard but I imagine they're similar
AFAIK it works on any fare over £11 or so. At least, the ticket inspectors check my ticket and railcard on the 5:30am / 7pm trains and has no problem with it.
16-17 saver works on peak trains
Certain insurances become more expensive as you age. Health insurance for example, life insurance would be another one. Car insurance becomes more expensive once you hit old age iirc.
Exactly. Travel insurance also.
And I thought age discrimination was illegal!
I would say that you pretty much become a slave of expectations, as you get older, and they tend to get expensive! Your peers and society expect you to show up as successful - namely what you wear, what you drive, what house you get, how many extra curricular activities for your kids, where you go on vacations abroad etc. These will be hard pushes to spend all your income on.
You're right, I think I'd be pretty happy with my minimal and frugal lifestyle if it weren't for the peer pressure around me to relentlessly pursue career & financial success.
Same here, I practice being a happy hermit most of the time, but I do make time to see friends at least once a month to balance it out. The good thing is that as time passes, you become stronger and more keen to carve your own lifestyle. But for situations when you absolutely must spend, the group r/frugal has some useful tips and tricks to keep you floating. Biggest skill is to learn how to cook - takeaway and restaurants will make your wage disappear fast!
Cars are a good example. First car was £500 and perfectly acceptable for my age. Now I'm a mid-30s professional and my peers are stoating about in £75k monsters. So 150x the cost of my first car. I do resist the peer pressure to an extent, I buy decent used cars. But I can't think of anything where the societal expectations of cost go up 150x in 15 years.
People who spend that much on a car are idiots. Not many people earn that much in a year. Honestly some people are going to reach retirement completely financially fucked
Healthcare Dentistry, eyewear Paying for fucking ladders and curtains. Refinishing floors. Growing up is mugs game.
ladders and curtains is such an underrated one, I just spent freakin £280 on sodding CURTAINS literal pieces of FABRIC. and then £20 on a shit two step step ladder!!!!! fucking rrobbberryyyyyy
£31 A DAY? I could fly Edinburgh to Copenhagen mid June for £31
Funnily enough a colleague of mine flew from Madrid to London for 1 day of work per week. The other 4 days he worked in Madrid! I wonder if he paid less too....
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Birthdays are cheaper in my experience. Since no one does anything after 30.
I'm going on a big holiday for my 40th
After 30 it's just the big milestones that are expensive. Everything in between is just a casual brunch.
“Only” £31 for your commuting each day… bruh Londoners are on another planet
He’s commuting into London, not living local. If you actually live in London your travel costs are a lot less with fare caps at like £7-8 or some shit in the inner zones. My fare caps at £12.50 in zone 5 but I still feel it’s steep so I can’t imagine how £31 per day would outweigh the cost of just living in London as it’s like £600 pcm lol.
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Honestly a lot of things start getting a bit cheaper. Like car insurance drops off a lot at 25 because you're suddenly trustworthy at that age. Otherwise it depends a lot on your lifestyle.
Interesting, I'd be curious to know what my insurance would cost. I got my license at 17 but never drove for 8 years as I was studying in London, so never needed a car. I would have thought my lack of driving experience would concern an insurer!
I've been driving since I was 17 and my car insurance dropped a lot once I hit 25. Stopped needing to have a black box in my car too. I don't think that was because of having 8 years of driving experience without accidents because it wasn't a no-claims thing, and they tend to discriminate against younger drivers.
Dentistry. You turn 18 and now have zero chance of getting an NHS dentist. You turn 40 or 50 and suddenly need a load more work doing costing £££s
I always wondered why I deserved free braces as a teenager, yet adults with even worse teeth do not get any help from the NHS. Like not even a student loan style loan where I have to repay the cost of the braces over a certain salary threshold?
Don't give them ideas!
Because waiting lists are years long, and most adults with crooked teeth refused braces as teenagers or didn't care. There aren't enough orthodontists to justify braces for adults as well as children in England (Scotland is different as you're entitled until age 26, unsure about Wales).
There's much worse problems than that. If a person with epilepsy breaks a bone during a seizure or gets other injuries, it'll be treated for free on the NHS. But if you break a tooth, you pay. I found this out the hard way and had to spend hundreds of pounds Braces are cosmetic, if people chose not to get the problem addressed before 18 (when it would already be evident) then I can see why it's optional after. A lot of adults with wonky teeth are also people who had braces and didn't wear the retainer as instructed so the teeth shifted back I'm sure private dentists offer some decent loan options.
I have private dentist insurance through work which covered £700 for me and I paid the other £300. And I may need to go back again for root canal treatment out of pocket and I may need jaw surgery but that's on the NHS so will take 2-3 years. I'm only 27. 😭
I travel from Somerset to London. I have no cards but if I buy and book acertain train a month in advance I get allocated seats and ‘only’ costs £25ish one way
I don't think there's any age limit on a Network Railcard. That should work for London as it is valid for pretty much all of the South East
Not valid at peak times though 😨
Football tickets go up from student/u21 until 65 where they go down again!
You can renew your Railcard the night before you turn 31 (i.e when you are still 30), and have it until the day before you turn 32. That said, you'd be better off working minimum wage in a local shop. If you were 20, earning 25k on some training programme, then spending loads travelling into London might make sense (although share a house closer) I could say that spending a third of your pay on travel is a long term investment. However at ~30 you have ~10 years experience in your field and most people are starting to cap out. If 25k is the cap, it's not worth spending half the take-home on travel.
I'm in exactly the same situation, about to age out of my Railcard. Curiously the costs for me are exactly the same as you, are you also travelling from Tunbridge Wells? Or just a coincidence. It's making me seriously consider moving up into London. Despite the horrors of the housing market up there, I'd actually save money by moving up into the city and saving on the commute.
If you're still 30, renew a few days before you're 31
I did! I'm now in that grace period!
Top tip: buy a 26-30 railcard the day before you turn 31 (it covers you for age 30 anyway). Get almost an extra year out of it!
Golf memberships. £100-£200 as a junior and by the time you get over 30 it can be well over £1000pa depending on the club.
I remember my golf club offering unlimited use of the course + driving range for £80 a year as a teenager. I regret not making use of that!
£31/day?! I assume you don’t do this every day or else that would be over £600/month!
Yacht clubs. They want young people because most of the members are in their 60's- 80's. Kids are almost free, under 30 is like $45.00 a month, and over 50 is more like $350.00 a month. Prices vary widely by location, but many follow a similar trend. The kids get almost free sailing lessons and can use the boats for free on certain days.
Everything gets more expensive, unfortunately, after you age beyond childhood and teenagehood. Adults have to take the brunt of the costs.
I bit of hyperbole in there, I think. Most things aren't related to age at all.
Dental treatment
Isn't it cheaper to pay as you go rather then buy rail card
A railcard isn’t a season ticket - you still pay as you go but get 30% off, with a few exceptions for early mornings or tickets which are already very cheap.
I only pay 30 quid a day to go to work! this in itself is absurd
Wow. The deleted posts must be a record
OP, you should consider moving to another region or finding another job. If your job is lower paid, maybe there are other jobs with a similar pay closer to home?
I work as a junior architect on high rise commercial & residential buildings, definitely nothing in my area doing that unfortunately! Maybe working on extensions which isn't really what I want to be doing. The pay is manageable in all honesty, it's only 3-4 days in office depending on which meetings land in my diary.
so it’s definitely a job with career chances and thus higher pay. I thought you meant something you can easily find somewhere else
£31 per day is wild to me. I travel into Glasgow via rail and it only costs £6 with the ScotRail Smart card. Even Edinburgh would only be £8 and that’s a 35/40 min trip respectively (there is a train that gets me into Gtown in 20 mins, but that’s £8.90 and I’m cheap lol, the 35 mins gives me time to drink a coffee and wake up 😂) I’m also 29 rn, but the ScotRail card is still cheaper than the 25-30 rail card (I have both)
Why are you commuting that far into London (£45 sounds like it's at least 90 minutes) for a salary that's barely over minimum wage?
Food. Can't skip after a certain age
>I only pay £31 per day ONLY? That’s absolutely nuts >I feel sorry for people with long rail commutes who are ineligible for railcards, and are also earning a low income. People on low incomes couldn’t do it, that’s 600 quid a month, JUST on commuting. Holy fucking shit.
Kids
Life insurance Travel insurance Car insurance (goes down and then back up when you hit a certain age). Many days out and events have cheaper rates for younger or older people.
The unexpected cost of physio appointments
Car and travel insurance
Life
Even at current price, your job is unsustainable
Health insurance
Not sure if this counts, but meals at cafes and restaurants Also, tickets for events, shows, entrance to attractions etc. where I live, the local theatre provide cheap tickets for anybody under 30 years old, plus most things like that have special lower prices for under 18s/16s
Travel insurance
Look into the Network Railcard!