04fox8 168 Posted July 8, 2013 Report Share Posted July 8, 2013 Don't pay attention to what other people are doing, there's a lot of people who are up to their eyeballs in debt but don't let on. You're right there... There must be. We're quite lucky, as we have the oil industry supporting our corner of the country, We cover our bills, have the same unexpected things as the next guy, and not a lot left after that. I know the money I'm on and what it can pay for. I also know a lot of people on less wages, but they seem to have everything new, car, caravan, fancy big house etc. F**k knows how they can do it, Some people have got 'family' money to help them along, some have been left money, and some have traded their way up through various homes/houses. But You are 100% right in what you say, there are a LOT of people in up to their eyeballs, just because they feel the need to keep up with the Joneses! We have no Sky, or any of the 'flash' kit everyone else seems to feel the need for and still it disapears. 4 Quote Link to post Share on other sites
Blackbriar 8,569 Posted July 8, 2013 Report Share Posted July 8, 2013 Mrs.B and me are not remotely wealthy - we get by on what we have. Some periods have been much harder than others, but we can honestly say we don't owe a single penny to anyone.We have no credit cards, loans or overdrafts (which is, I think, how most things get paid for these days), while most people seem to spend money they don't have on things they don't need. Madness!! Life isn't about having what you want - it's about wanting what you've got !! 5 Quote Link to post Share on other sites
paulus 26 Posted July 8, 2013 Report Share Posted July 8, 2013 Mrs.B and me are not remotely wealthy - we get by on what we have. Some periods have been much harder than others, but we can honestly say we don't owe a single penny to anyone.We have no credit cards, loans or overdrafts (which is, I think, how most things get paid for these days), while most people seem to spend money they don't have on things they don't need. Madness!! Life isn't about having what you want - it's about wanting what you've got !! very true, and the things you want and the things you need are normally miles different Quote Link to post Share on other sites
04fox8 168 Posted July 8, 2013 Report Share Posted July 8, 2013 This has been the hardest year financially. Living alone now has made sure of that. But I've managed. Got this fishing thing... When really I can't afford it cause I have Ayia Napa the following week... Another thing I shouldn't have booked but f**k it your only young once. I've always been good with money, always been the one with plenty cash, fast cars, good clothes and never miss a trip away. All changed now though......Even have to buy food stuff in the cheapo section...... Pisses me off!!!! Caviar's off the menu this year then..? Get yer self a bird moved in... Make he pay for half of everything and its someone to do a bit of ironing and hoose work Even better if she can turn her hand to a bit o plumbin. 2 Quote Link to post Share on other sites
Giro 2,648 Posted July 8, 2013 Report Share Posted July 8, 2013 My pal has a polish wife... I would have one of them Hard working, tidy and just seems so grateful... She works two jobs, my mates going to go part time My Mrs ( aint married) Ain got a lot of cash.. She just buys all the food.. Which really helps.. When she gets a job and pays for half of everything I will be minted.. Until she wants a few kids My advice to young lads is stay at home for as long as you can ,have as many nights out and holidays as you can. Independence comes at a price and I do miss my mum 3 Quote Link to post Share on other sites
rob190364 2,594 Posted July 8, 2013 Report Share Posted July 8, 2013 finance-wise, if I had to give any young person advice it'd be don't be temped by easy credit....don't get a credit card, overdraft, loan etc. under any circumstances, if you want something just wait til you have the money. Once you slip in the trap of getting a credit card or something on finance it's very hard to get straight again, no matter how much you promise yourself it's short term, the temptation will always be there. Skint isn't when you have only just got enough money for food and bills etc. Skint is when you're so far behind on finance and credit cards that you're permanently in the red, and there are millions of people like that.....and it's all because they've bought things on credit cards or gone far too deep into overdrafts. I've known people to have overdrafts that are bigger than there monthly salary, it's outrageous that banks would ever allow that to happen! 4 Quote Link to post Share on other sites
NEWKID 27,278 Posted July 8, 2013 Report Share Posted July 8, 2013 finance-wise, if I had to give any young person advice it'd be don't be temped by easy credit....don't get a credit card, overdraft, loan etc. under any circumstances, if you want something just wait til you have the money. Once you slip in the trap of getting a credit card or something on finance it's very hard to get straight again, no matter how much you promise yourself it's short term, the temptation will always be there. Skint isn't when you have only just got enough money for food and bills etc. Skint is when you're so far behind on finance and credit cards that you're permanently in the red, and there are millions of people like that.....and it's all because they've bought things on credit cards or gone far too deep into overdrafts. I've known people to have overdrafts that are bigger than there monthly salary, it's outrageous that banks would ever allow that to happen! That's why we're in the shit ( well half the reason), the banks, lenders etc just kept giving and giving with no real idea how they were getting it back, 100% mortgages, credit cards ( I can't believe the repayments you see touted about) etc A couple of lads who worked for me were nearly 30 and still owed from when they were 19, black listed the lot a real mess... It's hard for a youngster to be told at times but it can stay with you forever if your not careful... Now for the kids coming through his will any getting on The housing ladder etc? Quote Link to post Share on other sites
nothernlite 18,089 Posted July 8, 2013 Report Share Posted July 8, 2013 temptation the banks make it to easy for them Then the banks go tits up and the tax payer has to bail them out something not right Quote Link to post Share on other sites
paulus 26 Posted July 8, 2013 Report Share Posted July 8, 2013 finance-wise, if I had to give any young person advice it'd be don't be temped by easy credit....don't get a credit card, overdraft, loan etc. under any circumstances, if you want something just wait til you have the money. Once you slip in the trap of getting a credit card or something on finance it's very hard to get straight again, no matter how much you promise yourself it's short term, the temptation will always be there. Skint isn't when you have only just got enough money for food and bills etc. Skint is when you're so far behind on finance and credit cards that you're permanently in the red, and there are millions of people like that.....and it's all because they've bought things on credit cards or gone far too deep into overdrafts. I've known people to have overdrafts that are bigger than there monthly salary, it's outrageous that banks would ever allow that to happen! That's why we're in the shit ( well half the reason), the banks, lenders etc just kept giving and giving with no real idea how they were getting it back, 100% mortgages, credit cards ( I can't believe the repayments you see touted about) etc A couple of lads who worked for me were nearly 30 and still owed from when they were 19, black listed the lot a real mess... It's hard for a youngster to be told at times but it can stay with you forever if your not careful... Now for the kids coming through his will any getting on The housing ladder etc? As far as the youngsters are concerned for most owning a house is not going to be an option, the country is going backwards not forwards, as far as renting goes there's going to be big money made from our youngsters as availability pushes up rents to the point were few can afford them along with weekly utilities and so on. Today's parents will have no options but to look after their kids for far longer than has been the normal in the past. Quote Link to post Share on other sites
mr scent 665 Posted July 8, 2013 Report Share Posted July 8, 2013 Been a tough year all round 8 must say ,arrears on the mortgage ,threarening letters from electricity and gas companies etc but f**k em ,your health is your wealth and if you have good mates and family around you then you will pull through Quote Link to post Share on other sites
lanesra 3,994 Posted July 8, 2013 Report Share Posted July 8, 2013 I've Worked Both Ends Off The Scale , 1 Time I Was Only Really Sleeping At Home It Was Work Work Work , Well Now Im Lucky Enough To Do At Most 7hrs But Mostly 6hrs 5 Days And I Prefer That , Now And If I Fancy A Day Off I Just Take It Off Where As Before Id Not Take A Sunday Off Without Feeling Guilty (Why I Dont Know But I Did) The 1 Thong I Will Say Is Living By Your Means You Won't Go Far Wrong , Thats How Ive Always Operated , Though In Todays Society I Think Being In Debt Is The Norm , I Do And Have Worked For People Worth 10s and On Some Cases 100s Off Millions And I See The Value Off Money Forgot , And There Stressed To Death Wanting To Make More (WHY I CAN'T FOR THE LIFE OFF THINK AS THEY CAN'T SPEND WHAT THEY'VE ALREADY GOT) . It's Hard When Money Is A Struggle And We've All Been There You Just Have To Crack On . . At The End Off The Day Your Healths Your Wealth ! 1 Quote Link to post Share on other sites
gnasher16 30,280 Posted July 8, 2013 Report Share Posted July 8, 2013 I think the more you chase money the more you end up needing..........until you end up being dictated to by it........its taken me years to realise the things in life most valuable are free anyway !..................I have every respect for any man who can work a pound note,but never underestimate the value of a stress free life. 5 Quote Link to post Share on other sites
iworkwhippets 12,657 Posted July 8, 2013 Report Share Posted July 8, 2013 An owd aged pensioner here, dippin into life savings to make things comfortable fer me and my lady, so i do any part time jobs that come along, laying slabs was my last bit of work, putting the cash at one side fer the utility bills come winter, eh what a miserable existance Quote Link to post Share on other sites
STRANGER 948 Posted July 8, 2013 Report Share Posted July 8, 2013 We have students who come to work with us for their placement year, most of them have anything up to £20,000 worth of debt after 4 years of University and they are only in their early twenties. How are they ever going to pay it back once they start work? I find it unbelievable. Quote Link to post Share on other sites
lanesra 3,994 Posted July 8, 2013 Report Share Posted July 8, 2013 I think the more you chase money the more you end up needing..........until you end up being dictated to by it........its taken me years to realise the things in life most valuable are free anyway !..................I have every respect for any man who can work a pound note,but never underestimate the value of a stress free life. Thats Sadly What I Was Like Gnash At 1 Time . . Dictated By It !! Quote Link to post Share on other sites
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