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15
'Money's been tight since I split up from my husband four years
ago. The kids always come first, but special occasions for them are
rare. They're lucky if we go to McDonald's once a month. All their
school uniforms are second-hand. When I was a kid I used to get lots
of treats. I'd go riding and I used to have piano lessons. I feel dreadful
not being able to give my kids the things I had. Every month I work
out exactly what has to be paid and what can wait. I have to be very
careful with money, and that doesn't come easily because by nature I'm
very extravagant. My biggest extravagance now is a packet of ten
cigarettes.
My monthly food bill comes to about £350, and towards the end
of the month we have beans on toast three nights out of seven. I usually
make the kids a packed lunch for school, but occasionally I don't have
enough food to make one, so I tell the kids to have a school dinner and
say they've forgotten their dinner money. It's not really telling lies
because I'll always pay as soon as I can.
I get very depressed and I frequently sit down and cry. Some-
times I'll go wild and buy something just to cheer myself up, but I
always regret it. I once spent £30 on some clothes but I felt really
guilty. What I want more than anything else is a holiday and new
shoes for the kids. Who knows? I might win the lottery!'
The Taxman
BOB WILDEN, 24, is a tax inspector. He earns £23,558 per
annum. His wife, Denise, 20, earns £7,500 as a part-time secretary.
They live in Maidenhead, Berkshire. They have no children.
'I'm mean in some ways, generous in others. I'll be first at the
bar to buy a round of drinks, but I'd baulk at buying a couple of packets
of crisps as well. I'll go hungry rather than stop for a snack at a motor-
way service station. We always buy food in bulk so it's cheaper. We
frequently cook in bulk, too, and put it in the freezer. Denise and I never
row about money. We both indulge ourselves now and then. She'll
spend £40 at the hairdresser's and I won't penny-pinch on the kind of
malt whisky I get. I never spend much on clothes though, probably
about £95 at the most. I don't need to look smart to be a taxman.
Denise generally gives £20 a month to animal charities, but she
won't donate to beggars wearing £100 trainers. I'll give the real down-
16
and-outs a quid sometimes. My widowed mum is a pensioner and lives
alone, so I always make sure that she has enough to eat.
I have four credit cards, but one is never used. A bill for £700
arrived this morning for one of them. It frightened us to death.
Occasionally we have to get loans to clear our credit card debts. In my
job it's possible to become a bit of a social leper. Some friends are
always boasting to me about how they dodge paying tax. I don't like
that. I don't like paying tax either, but I'd never dodge it.'
The Miser
MALCOLM STACEY, 38, is a part-time BBC journalist and
author of two books about money. He earns £50,000 per annum. He
lives in York with his wife Jo, 32. They have two young children.
'I never buy luxuries and I never buy a round of drinks. When
colleagues go out to the pub, I'll stay in the office and say I'm expecting
a phone call. I'll never invite people to dinner, but I never feel guilty
about accepting their invitations. I know they invite me to have someone
interesting to talk to. The meanest thing I've ever done was to go to a
wedding without a present. I just took some wrapping paper and a tag
saying 'Love from Malcolm' and put it onto the table with the other
presents. I got a thank-you letter from the bride. She obviously thought
she'd mislaid the present.
People don't believe I can be so stingy. I'll organize an office
collection for earthquake victims but I won't give anything myself. I've
put a wishing well in the front garden. I would never ask passers-by to
throw money in, but I collect it when they do. I hardly ever use my
car; we grow our own vegetables and we recycle everything. We never
buy new clothes, we get them second-hand from charity shops for
about £2 a garment. We can live on £5 a week.
I've always been mean. When I was a child I would never buy
flowers for Mum, but I'd give her a bouquet from her own garden. My
wife gets embarrassed by my meanness, but we never row about
money. People think I've got a fortune stashed away somewhere. I
don't care what they think.'
SPEAKING
1. Find someone who chose different texts from you. Go
through the questions together and compare the information.
'Money's been tight since I split up from my husband four years and-outs a quid sometimes. My widowed mum is a pensioner and lives ago. The kids always come first, but special occasions for them are alone, so I always make sure that she has enough to eat. rare. They're lucky if we go to McDonald's once a month. All their I have four credit cards, but one is never used. A bill for £700 school uniforms are second-hand. When I was a kid I used to get lots arrived this morning for one of them. It frightened us to death. of treats. I'd go riding and I used to have piano lessons. I feel dreadful Occasionally we have to get loans to clear our credit card debts. In my not being able to give my kids the things I had. Every month I work job it's possible to become a bit of a social leper. Some friends are out exactly what has to be paid and what can wait. I have to be very always boasting to me about how they dodge paying tax. I don't like careful with money, and that doesn't come easily because by nature I'm that. I don't like paying tax either, but I'd never dodge it.' very extravagant. My biggest extravagance now is a packet of ten cigarettes. The Miser My monthly food bill comes to about £350, and towards the end MALCOLM STACEY, 38, is a part-time BBC journalist and of the month we have beans on toast three nights out of seven. I usually author of two books about money. He earns £50,000 per annum. He make the kids a packed lunch for school, but occasionally I don't have lives in York with his wife Jo, 32. They have two young children. enough food to make one, so I tell the kids to have a school dinner and 'I never buy luxuries and I never buy a round of drinks. When say they've forgotten their dinner money. It's not really telling lies colleagues go out to the pub, I'll stay in the office and say I'm expecting because I'll always pay as soon as I can. a phone call. I'll never invite people to dinner, but I never feel guilty I get very depressed and I frequently sit down and cry. Some- about accepting their invitations. I know they invite me to have someone times I'll go wild and buy something just to cheer myself up, but I interesting to talk to. The meanest thing I've ever done was to go to a always regret it. I once spent £30 on some clothes but I felt really wedding without a present. I just took some wrapping paper and a tag guilty. What I want more than anything else is a holiday and new saying 'Love from Malcolm' and put it onto the table with the other shoes for the kids. Who knows? I might win the lottery!' presents. I got a thank-you letter from the bride. She obviously thought she'd mislaid the present. People don't believe I can be so stingy. I'll organize an office The Taxman collection for earthquake victims but I won't give anything myself. I've BOB WILDEN, 24, is a tax inspector. He earns £23,558 per put a wishing well in the front garden. I would never ask passers-by to annum. His wife, Denise, 20, earns £7,500 as a part-time secretary. throw money in, but I collect it when they do. I hardly ever use my They live in Maidenhead, Berkshire. They have no children. car; we grow our own vegetables and we recycle everything. We never 'I'm mean in some ways, generous in others. I'll be first at the buy new clothes, we get them second-hand from charity shops for bar to buy a round of drinks, but I'd baulk at buying a couple of packets about £2 a garment. We can live on £5 a week. of crisps as well. I'll go hungry rather than stop for a snack at a motor- I've always been mean. When I was a child I would never buy way service station. We always buy food in bulk so it's cheaper. We flowers for Mum, but I'd give her a bouquet from her own garden. My frequently cook in bulk, too, and put it in the freezer. Denise and I never wife gets embarrassed by my meanness, but we never row about row about money. We both indulge ourselves now and then. She'll money. People think I've got a fortune stashed away somewhere. I spend £40 at the hairdresser's and I won't penny-pinch on the kind of don't care what they think.' malt whisky I get. I never spend much on clothes though, probably about £95 at the most. I don't need to look smart to be a taxman. SPEAKING Denise generally gives £20 a month to animal charities, but she won't donate to beggars wearing £100 trainers. I'll give the real down- 1. Find someone who chose different texts from you. Go through the questions together and compare the information. 15 16
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