Friday, 10 April 2015
Living with the parents
Under new proposals from the Liberal Democrats, adults who are still living with their parents would be able to claim a loan of up to £2,000 to move out and rent.
The party says the scheme could help people in work aged between 18 and 30 to acquire the deposit needed.
That's nice. The Liberals returning to their cuddly, helpful, friendly party roots.
Helping out poor, struggling young people who cannot afford to save up for the deposit for their rented accommodation. Can't save because they are paying rent to their or their partner's parents.
Now .. £2,0000 is £20 a week for a year for each half of a partnership. Or £40 for a single.
Which is quite steep to find to save.
But what's steeper is the cost of living out of the nest. I doubt many of us have ever been as disposably incomed as when we had a decentish job and lived at home.
So if these people can't afford to save the £20 a week before they move out ... then they can't afford to move out.
Because no matter what rent they are paying to mum and dad, it surely won't also be including council tax. Electricity. Gas. Phone bill. TV licence, service charges or contents insurance.
It won't include that sudden 15% addition to the supermarket bill of toothpaste, toilet roll, soap, toilet duck, flash, Mr Muscle, Timotei etc.
And the forgettable, rarely used, but necessary drawers full of light bulbs, batteries, screwdrivers, sink plunger, torch,candles dusters, polish, laces, cotton , string, wire, and such.
Nor the collection of saucepans, woks, microwave , towels , bedsheets, cutlery, lampshades,pillows, bath mats, funky shelves, various pots and vases. Enough scatter cushions to bury you in an avalanche if they tumbled off the sofa and other similar household goods.
Now all this junk doesn't need to be bought all at once. It accumulates, along with hardly ever used appliances, mysterious plugs, adapters and leads of unknown purpose.Keys without locks. Instructions for long expired gadgets. Hardware tools of dubious use. Various strengths of tubes of glue. Pots of solid paint.,broken jewellery and watches, old phones, discarded tablets and desktops. Monitors that will never be plugged into anything again and a bottle of 'No More Nails', used just once before you discovered it lacks the adhesive quality to even stick paper to other paper and has no chance of sticking a wardrobe back together.
But it still has to be bought. A few pounds at a time.
If the youngsters cannot save a £1000 a year whilst at home, they should stay put. Because otherwise all this policy will do is to put them into a rental they cannot afford with an additional £2,000 of Lib Dem loan that they must pay back as well.
Posted by Bill Quango MP