So, the new personal insolvency guidelines are out. All 55 pages of them. It would be easier to give those who will end up in the clammy bureaucratic embrace of the ISI a ration book.
If your a single person living alone you can spend €31.09 on medical issues (including plasters) per month. And a whole €33.40 on personal grooming. An a fiver on the phone. The guidelines are rife with mindless, exact intrusions on what you can spend, where, by how much. You CAN go to the cinema (the orwellian term is Social Inclusion Events) but you CANT go on holiday. And so on. And on….
Its one thing to suggest that people in personal insolvency situations cant spend money like it was going out of fashion. Its quite another, demeaning insulting and downright intrusive, to tell adults they can spend X on toothpaste, Y on bog roll and Z on apples. It is a level of social control that is or should be beneath us. But watch.. all over the shop we will find people smirking and spitting “well, they clearly couldnt manage their own finances so SOMEONE will have to ” between pursed lips. Or “well, if they wanted to spend as they wanted they shouldnt have gone broke should they” . Oh, the net twitchers will love this . Its an attitude that hearkens back to the social control of the 1950s.
Here is an idea, and its a good one : set a min and max % of after tax disposable income that must be allocated to the discharge of the debts. Say between 33% and 66%. The more income the greater a %. Then, let adults themselves determine what they will spend the remainder on. Some may want cheap food and a holiday. Others may want to eat more and better but wash less. I dont know and so long as they dont starve any kids involved, dont really care. Nor should you or anyone else.
Nanny state pettifogging social control squinting window intrusiveness gone bonkers.