@itsdbtalks

Money, everyday life & the ridiculous price of things. Then vs now. Investing. Housing. The odd rant. The only official DB Talks X account.

Joined August 2013
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I’ve noticed something strange about the UK. We’re told people are struggling. Yet restaurants are packed. Airports are rammed. Gigs sell out. Holidays are booked. Meanwhile, mortgages, food and bills keep rising. So who exactly is feeling the cost-of-living crisis?
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£50 a month for water. That’s £600 a year just to have water in your own home. And that’s before electricity, gas, council tax, broadband and everything else. Owning a home isn’t just about paying the mortgage. It’s the cost of simply living in it.
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And others are paying so much more too xitter.cf/itsdbtalks/status/2114…
DB Talks
@itsdbtalks1h
Ash pays over £70 a month for water 😳💧 I thought my £50 was bad! That’s £600 a year for me vs over £840 for Ash. £240+ a year just for water! 🤯
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Ash pays over £70 a month for water 😳💧 I thought my £50 was bad! That’s £600 a year for me vs over £840 for Ash. £240+ a year just for water! 🤯
Ash Davidson
@AshDavidsonUK2h
Replying to @itsdbtalks
Kinda hard when you got a big house, family & a garden 😂 Funny thing though. It was £38 when I moved in 3 years ago. Water prices have gone up more than most bills & least talked about
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23 cars. That’s how many I stopped for or gave way to on my drive to work this morning. Only 7 people acknowledged it. A little wave costs nothing. Funny how something so small can tell you so much about people. 🤷‍♂️
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Exactly Donald! It annoys me that so many have so little common courtesy
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The AI boom isn’t over. The easy money might be. As weaker companies struggle to raise funding, the strongest players could consolidate their lead. For investors, this is where things get interesting. The next big winners may not be those building the most AI, but those making real money from it.
Elon Musk
@elonmusk17h
Replying to @chamath
Pretty much. As of the past few weeks, debt markets have almost entirely shut off access to money for any company that doesn’t have substantial revenue independent of AI data centers. SpaceX closed $40B of debt for GPUs, but we’re investment grade and have Starlink & launch revenue. That means the 200+ neoclouds are going to see guppy-level death and consolidation. Some will make it through, but not many.
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Monday morning. Alarm goes off. It’s dark, it’s cold, the bills are waiting and you’re already tired before the week has even started. You get up anyway, because life doesn’t pay for itself. Welcome to adulthood. 🥲
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My Stocks & Shares ISA is UP today. 📈 Warren Buffett, make some room. There’s a new investor in town. At this rate, I’ll be buying the supermarket meal deal with my investment returns by Christmas.
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Be greedy when others are fearful $NBIS
Heisenberg
@Mr_DerivativesOct 25
$NBIS Starting to look very interesting here off this brutal 13 day -40% selloff.
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Spent £3,000 on a new boiler last year. Not once has anyone walked into my house and said, “Wow, that’s a lovely boiler.” It sits in a cupboard, nobody sees it, and it just keeps the house warm. Adulthood is basically spending thousands on things nobody notices. 😂
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Remember when £3,500 could get you a decent second-hand car? Now it gets you 120,000 miles on the clock, a list of previous owners and a dashboard lit up like a Christmas tree. But hey, at least it’s only £3,500. 🙃
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Sunday morning in your 20s: Wake up at 11. Check your bank. £14.62 left. No idea why. Sunday morning in your 30s: Wake up at 6. Check your bank, mortgage, investments and energy bills. Still no idea where the money goes. 😂
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The clocks have gone back an hour, so naturally my body has decided 04:30am is a perfectly reasonable time to start the day. 😂 Everyone else enjoying an extra hour in bed. I’m already living tomorrow. It’s going to be a LONG Sunday.
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Earning £50k in the UK sounds like a milestone. Until you realise every pay rise gets chipped away by tax, National Insurance, childcare and a cost of living that never seems to stop climbing. A decent salary shouldn’t feel like you’re barely getting ahead.
Joel | World Thoughts
@JGWorldThoughtsOct 23
Earned just over £50,270 this year? Congrats. You just entered the higher rate tax band. 40% on anything above that. That’s before National Insurance. Before student loans. Most of your money is still taxed at 20%. But that next £1 pound? Yeah, HMRC wants 40p of it. Welcome to the UK.🇬🇧
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The middle class are being squeezed from every direction. Mortgage. Food. Energy. Council tax. Everything costs more, yet you’re still expected to save, invest and build a future. At this rate, financial security is becoming a luxury rather than a goal.
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Imagine working your entire life… Then turning 80 and being told your State Pension is increasing by just 25p a week. £13 a YEAR. Can you imagine relying on that to survive in retirement? This is why building wealth outside the State Pension matters.
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Restaurants are packed. Holidays are booked. New cars are everywhere. Yet people say the UK is struggling. Remember, spending money doesn’t mean you have money. Some are wealthy. Others are funding a lifestyle with debt. Looking rich and being rich are two very different things.
DB Talks
@itsdbtalksOct 2
I’ve noticed something strange about the UK. We’re told people are struggling. Yet restaurants are packed. Airports are rammed. Gigs sell out. Holidays are booked. Meanwhile, mortgages, food and bills keep rising. So who exactly is feeling the cost-of-living crisis?
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£15 FOR JUST THREE ITEMS. 🤯 Just done my weekly food shop. Noticed that it’s £6 for chicken, £5 for cheese and £4 for cereal. £15 for THREE basic items. And people wonder why the weekly shop is costing a fortune. When did feeding your family become this expensive?
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£1,075 GONE IN A WEEK. 📉 My Stocks & Shares ISA is down 2.3% last week. £45,226 invested. And yes, seeing red like this stings. But this is investing. You don’t get the long-term gains without sitting through the ugly weeks. Stay calm. Stay invested.
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Nice one Andy. Just what we need as a nation.
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