£10 an Hour NLW is it Affordable to Businesses

I see this subject doing the rounds again in mainstream media and have had a few on social media challenging whether it is affordable, workable and deliverable, In my mind it is so more on that below.

The first impression I have often got is that business owners see the switch from a single digit National Living Wage i.e £7.50 to a double digit one i.e £10.00 and automatically come to the opinion it is unaffordable and the scaremongering ensues with the comments as to why it is unaffordable.

So lets take a look at that figure of £10 and break it down, if you should be lucky enough doing 39 hours a week over 52 weeks it works out at a yearly sum of £20,280 some may work it out differently but here we will keep it simple but regardless that is the yearly sum give or take a few quid.

That £20,280 a year Gross now does not look so great now given the cost of living and amounts to £1,690 monthly gross, take off income tax and NI and its £1,422.51







If you have other deductions besides Tax and NI you can calculate it here:


I am sure most will agree that when you take into account living costs and housing £1,422.51 is no great sum given the cost of mortgages let alone anything else and with energy companies and other corporates wanting ever more from us this £10 an hour NLW is much needed and shows just how £7.50 is unaffordable to the workforce and why poverty is becoming rampant, it is my opinion which I hope others share that if you are working at least 39 hours a week you bloody well deserve to be looked after and paid enough to meet expenses.

£10 an Hour is not unafforable to employers and if they cannot afford it they need to seriously look at there business models as its not working and remember that £10 an hour helps them as it will generate spending which in-turn creates demand and an increase in profit and employment levels this is basic ecomonics, it also creates happy and healthy employees which reduces demand on public services.

Finally it is my opinion that a £10 an hour NLW cannot wait until 2020 and needs to happen now and certainly at the begining of a new government for the reasons above.





50 Common Cognitive Distortions

A giant list of ubiquitous cognitive distortions.
Published on January 17, 2013 by Alice Boyes, Ph.D. in In Practice
Becoming mindful of these common cognitive distortions will help you understand yourself and other people better, and improve your decision making.
1. Personalizing.Taking something personally that may not be personal. Seeing events as consequences of your actions when there are other possibilities. For example, believing someone’s brusque tone must be because they’re irritated with you. (Tips for not personalizing.)2. MindreadingGuessing what someone else is thinking, when they may not be thinking that.

3. Negative predictions.

Overestimating the likelihood that an action will have a negative outcome.

4. Underestimating coping ability.

Underestimating your ability cope with negative events.

5. Catastrophizing.

Thinking of unpleasant events as catastrophes.

6. Biased attention toward signs of social rejection, and lack of attention to signs of social acceptance.

For example, during social interactions, paying attention to someone yawning but not paying the same degree of attention to other cues that suggest they are interested in what you’re saying (such as them leaning in).

7. Negatively biased recall of social encounters.

Remembering negatives from a social situation and not remembering positives. For example, remembering losing your place for a few seconds while giving a talk but not remembering the huge clap you got at the end.

8. Thinking an absence of effusiveness means something is wrong.

Believing an absence of a smiley-face in an email means someone is mad at you. Or, interpreting “You did a good job” as negative if you were expecting “You did a great job.”

9. Unrelenting standards.

The belief that achieving unrelentingly high standards is necessary to avoid a catastrophe. For example, the belief that making any mistakes will lead to your colleagues thinking you’re useless.

10. Entitlement beliefs.

Believing the same rules that apply to others should not apply to you. For example, believing you shouldn’t need to do an internship even if that is the normal path to employment in your industry.

11. Justification and moral licensing.

For example, I’ve made progress toward my goal and therefore it’s ok if I act in a way that is inconsistent with it.

12. Belief in a just world.

For example, believing that poor people must deserve to be poor.

13. Seeing a situation only from your own perspective.

For example, failing to look at a topic of relationship tension from your partner’s perspective.



Doom And Gloom Where Is The Happiness

I have Imagebeen studying many sources lately from BBC Question Time, Blogs, Forums, Twitter, Press and the Person on the Street and what has struck me is the Doom and Gloom that this Government of ours has bred.

Now I am not saying for one moment this is wrong because citizens are right to not be happy, as much damage has been done that will take years to fix.

Only today we have had many from the medical profession go on strike. What is all that about? Surely they deserve to be treated well by our Government. After all, they may well one day be saving your life as they did me and that you cannot put a price on, believe me I have been there. Then you have the many disabled citizens and their carers who in the most part have paid into the Government rightly angered over the brutal cuts to their benefits and the hard full on attack with the work capability assessment. No wonder people are aggravated but does it stop there, oh no of course not.

You have the unemployed who have had enough of the DWP and the Job Centres lack of understanding of just how tough it is to find meaningful full time employment and all the while being pushed into workfare programmes that will do little in their job prospects. What about the disabled citizens and the Remploy Centres they so relied on for there employment they do not want to lose them it is where they felt safe and wanted when will this Government understand workfare is not for them with mainstream employers so what if these places where not profitable some things you cannot put a price on.

So what am I getting at here? Well in every section of Society there is anger, depression, anxiety whether you are young, middle aged, elderly, working, unemployed or have a disability, This Government needs to show compassion and instil some happiness. Why?

Because happiness is one massive word that breeds, it leads to many things like fitter people who in turn will be happy to please. It leads to better productivity in the work place which in turn pleases their superiors. It leads to better cash flow that in turn leads to expansion and jobs that in turn leads to a happier Prime Minister as cash flow is increased and less people claiming JSA.

Austerity is not the be all and end all. We can get this country back on it’s feet and working again with less Doom and Gloom and more, buckets more happiness but that has to come from the top, the Government.