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“I have a mortgage and with a wife and 2 kids cannot afford to take on any other debt. Paying my mortgage is a worry given that it leaves me with such a meagre disposal income. We are careful with money and don’t waste it on iphones/smoking/drinking. A holiday is every 3 years because it has to be saved for and then it is a campsite in France. If I get posted and have to live in single accommodation and pay food charges et al I don’t know how we will cope financially.”


“We are from a generation that does not get into debt, bills are paid off and we go without rather than fall into debt.”


“We live within our means but it gets harder every year!”


“We are considerably worse off than 4 years ago - we make do with less. However, if the whole country is doing their bit, then fine.”


“We are only better off financially because of promotion. Childcare costs play a large part in our monthly expenditure. However, the Sodexo voucher scheme has been of some assistance to offset this.”


We asked participants to what extent they worried about money 33% stated it causes them a lot of worries whilst 55% said it caused them a few worries, only 10% stated that it doesn’t cause them any worries. These statistics were almost identical to the 2012 results.


“I worry about my finances (I think that is a normal aspect of life); however, I do put effort into making sure that my finances are managed to the best of my ability.”


“My biggest concern is buying a house when we leave. The gratuity has massively reduced compared with the position when I joined 23 years ago. In those days, the gratuity at age 55 was enough to buy a house, but now it’s nowhere near. “


22


Pay, Allowances & Quality of Life


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