Debt

[DIDO.1 22,844]

People fall on hard times but from experience the vast majority of people who owe money are solely to blame...

 

It's the same with council estate fatties.....can afford to buy healthy food but the bins are full of expensive takeaways and they have 4 obese rockweilers.

[TOMO 26,413]

I just don't know how anyone could do the job,,, and that's from a man that works the door,,, if you get kicked out my club,,, you just go to another,, ,

 

Having that lot turn up,,, because your really struggling,,, seeing folk on the street,,, clearing out a few possessions they have baught in better times ain't nice,,

 

I really couldn't do that job,,,i really think you got to be a cuunt to do it

[paulus 26]

 

 

Most debt these days is not folk running up huge credit card bills on a lavish lifestyle, its your average family struggling to keep on top of utility bills.

 

I know from experience the only way to dig yourself from debt is to set up payment plans with the people your in debt with , income & expenditure will be taken into account as will '' priority'' debts such as council tax & mortgage

 

Depending on your circs most company's will be glad of a small regular payment from you rather than nothing

Kay I can appreciate that people like yourself may come a cropper, an ex, job loss etc but what I found crazy.....

 

When I had the blinds business I would often esp this time of year have a shed load of clients on the council estates. Most had the sky package, X box, huge telly etc and obviously on benefits. They would be paying me with credit cards and I would be driving to the next job wondering why the fec I have to work my ass off and they don't. Doesn't surprise me most end with the bailiffs turning up, people living beyong their means on credit.

 

It used to be shameful to be in debt now it's as normal a topic in conversation as the weather.

 

I had to tighten my belt big time 5 years ago , I knew when my husband buggered off with his wages it was going to be a struggle .... I had 2 choices either let it all get completely out of control & end up destitute or fight on quietly & take back the control of my finances.

 

I choice the latter & am happy as a pig in muck these days , I am happy to potter round at home & work part time , I was able to rid my self of the biggest monthly bill my mortgage when my uncle passed away & left me & the family some money in his will , something I am very grateful for as it also enabled me to have central heating .

 

So now I am happy & warm rather being happy & cold

 

I guess to most folk people like me have no ambitions or a want to better themselves .... thats probably true to a degree ... but if that '' bettering myself'' comes with a hefty price tag you can keep it .

 

I do get your point about folks having stuff regardless of there income & there ability to pay for it. I see it at work with the girls who rack up argos credit cards & then moan it takes them the year to pay it off just to buy the kids toys

 

 

settled all my debts years ago after having to give up the job i was doing on medical grounds, took nearly 6 years but worth every penny, hardly get any mail, only junk, only get pip and accident reclaim phone calls these days. i don't even have a credit card, not even a tab in the local, everything here, i own outright. if i can not afford something then i save for it or find a cheaper one. dept is bad for your health and wealth, yet the whole way the world works is to trap you into a life of debt. i have seen people who have everything, posh mansions. posh cars, 4 holidays a year etc, they think they have made it, the reality is there penny millionaires as everything they have is owned by someone else and there just lining someone else s pocket with their monthly payments. one little incident like an accident and the whole stack of cards come crumbling down, as for poverty and debt. companies prey specifically on the poor as there is big money to be made. you may keep on about big tv`s etc but i bet your bottom dollar they will have paid far more for it then you would have.

[dare 1,103]

Companies no doubt do target people and do stuff like offer loans around xmas time. Its not personal its just business. Can have a go at how brainwashed most of society is into thinking we all need the latest phone or how other materialistic stuff will make our life better. Its just how the world works. I wouldnt say im a content person though i deffo want more from life. I havent ever had an overdraft, nor store cards and never borrowed money apart from odd onner if theres a night out before pay day. If i cant afford something i go without till i can? I got a roof over my head and food in the cupboards anything else is a want rather than a need.

 

Cushty karmas a funny old thing. All pissed up n booking a holiday a year ago. Two people said they couldnt afford it. I paid for one mates n told him give me when his got it. Other mate didnt even ask me to lend it lol. Im not a c**t n even after him being shit with money before i was gonna lend it. Heard my mums voice telling me im an idiot in my head lol was abit on the fence. Then someone else in the kitchen drops "before you book it not being funny but gonna want that money off ya, thatll be my spending money". Owed another mate this time lol so i kept quiet n didnt offer. Still mates but just know his no good with money. Only got 2 mates id lend anything n know itll be paid back soon as theyve got it.others id lend a few quid if they need it but would have to think if they was talking grands and probably say no.

[Kay 3,709]

 

 

 

Most debt these days is not folk running up huge credit card bills on a lavish lifestyle, its your average family struggling to keep on top of utility bills.

 

I know from experience the only way to dig yourself from debt is to set up payment plans with the people your in debt with , income & expenditure will be taken into account as will '' priority'' debts such as council tax & mortgage

 

Depending on your circs most company's will be glad of a small regular payment from you rather than nothing

Kay I can appreciate that people like yourself may come a cropper, an ex, job loss etc but what I found crazy.....

 

When I had the blinds business I would often esp this time of year have a shed load of clients on the council estates. Most had the sky package, X box, huge telly etc and obviously on benefits. They would be paying me with credit cards and I would be driving to the next job wondering why the fec I have to work my ass off and they don't. Doesn't surprise me most end with the bailiffs turning up, people living beyong their means on credit.

 

It used to be shameful to be in debt now it's as normal a topic in conversation as the weather.

 

I had to tighten my belt big time 5 years ago , I knew when my husband buggered off with his wages it was going to be a struggle .... I had 2 choices either let it all get completely out of control & end up destitute or fight on quietly & take back the control of my finances.

 

I choice the latter & am happy as a pig in muck these days , I am happy to potter round at home & work part time , I was able to rid my self of the biggest monthly bill my mortgage when my uncle passed away & left me & the family some money in his will , something I am very grateful for as it also enabled me to have central heating .

 

So now I am happy & warm rather being happy & cold

 

I guess to most folk people like me have no ambitions or a want to better themselves .... thats probably true to a degree ... but if that '' bettering myself'' comes with a hefty price tag you can keep it .

 

I do get your point about folks having stuff regardless of there income & there ability to pay for it. I see it at work with the girls who rack up argos credit cards & then moan it takes them the year to pay it off just to buy the kids toys

 

 

settled all my debts years ago after having to give up the job i was doing on medical grounds, took nearly 6 years but worth every penny, hardly get any mail, only junk, only get pip and accident reclaim phone calls these days. i don't even have a credit card, not even a tab in the local, everything here, i own outright. if i can not afford something then i save for it or find a cheaper one. dept is bad for your health and wealth, yet the whole way the world works is to trap you into a life of debt. i have seen people who have everything, posh mansions. posh cars, 4 holidays a year etc, they think they have made it, the reality is there penny millionaires as everything they have is owned by someone else and there just lining someone else s pocket with their monthly payments. one little incident like an accident and the whole stack of cards come crumbling down, as for poverty and debt. companies prey specifically on the poor as there is big money to be made. you may keep on about big tv`s etc but i bet your bottom dollar they will have paid far more for it then you would have.

 

Its a great feeling when your back in control of your finances..... & you can see the figures being reduced month by month... I also have to save if I want anything .... I don't miss the phone calls or the letters one little bit ....

 

I get a few quid to spend at xmas by way off shop loyalty cards ... usually about 30 quid which buys my food for the Christmas period ... theres loads of ways I save money by making full use of my freezer & cooking myself from scratch I have got my food bill down to 20 quid a week & my washing down to 2 loads a week

 

I dont have a mobile contract when I went with talktalk I get a free sim card that has 100 mins & 250 texts & 200mg data ... I rarely use it other than maybe 10 texts a month & it costs me nowt

 

I have picked up a few nice bits of clothing for next to nothing .. I scour the free to a good home pages on facebook & have swapped stuff with other folk

 

[j j m 6,550]

ini suppose it would be nice for every one to be debt free but some are luckier then others some come in to the world with wealthy parents some come in to the world in poverty with bothe parents on the dole or worse again a single parent,my parents were not rich but bothe worked hard if they had it you got it if they did not you done without neither of my parents had credit cards or loans,we were brought up and told we had to work hard for the things we want in life,ive a lot of mates on the dole that have more then me and debt does not bother them,i like to keep my bills in order and save for the holidays and family things we want,but the people that are in debt through no fault of there own i feel sorry for when debt collectors come calling it must be horrible answering the door to them when you have no way of paying them

[WILF 47,344]

Want it pay for it.......I agree with that wholeheartedly........except society is not engineered that way so get real !!

The whole world is running on debt, anyone who thinks it makes you "the good guy" because you struggle your bollocks off to pay all these c**ts is completely f***ing deluded!

The government wants you in debt

The banks want you in debt

The finance companies want you in debt

The world political financiers like Morgan Stanley want you in debt

 

Your no f***ing good to anyone if your not in debt !!

 

You can't be pushed around, you are hard to manipulate, you can't be bought and sold on the world markets, they can't collect the insurance on your debt if you default, they can't steal your house (which you will still owe for if they dont recover the full amount from the proceeds).........nobody gets fat off free men with their own money.

 

If bailiffs rock up your not in the wrong, in fact you are exactly where you should be !

Edited November 22, 2015 by WILF

[paulus 26]

Companies no doubt do target people and do stuff like offer loans around xmas time. Its not personal its just business. Can have a go at how brainwashed most of society is into thinking we all need the latest phone or how other materialistic stuff will make our life better. Its just how the world works. I wouldnt say im a content person though i deffo want more from life. I havent ever had an overdraft, nor store cards and never borrowed money apart from odd onner if theres a night out before pay day. If i cant afford something i go without till i can? I got a roof over my head and food in the cupboards anything else is a want rather than a need.

 

Cushty karmas a funny old thing. All pissed up n booking a holiday a year ago. Two people said they couldnt afford it. I paid for one mates n told him give me when his got it. Other mate didnt even ask me to lend it lol. Im not a c**t n even after him being shit with money before i was gonna lend it. Heard my mums voice telling me im an idiot in my head lol was abit on the fence. Then someone else in the kitchen drops "before you book it not being funny but gonna want that money off ya, thatll be my spending money". Owed another mate this time lol so i kept quiet n didnt offer. Still mates but just know his no good with money. Only got 2 mates id lend anything n know itll be paid back soon as theyve got it.others id lend a few quid if they need it but would have to think if they was talking grands and probably say no.

sorry, but targeting the needy and vulnerable is not business its extortion under a different name, look at wonga, even the church of England was financing them. the only reason the world has debt, is to line the pockets of the elite. after all money is only paper or digits so is produced from nothing. i always find it illogical that the people who have the least have to pay the most for what they have. a world based solely around money is what we have today and that's the reason there will never be peace as someone who already has more than they will ever need will always more for no other reason than to make him feel better and more important than anyone with less.

[DIDO.1 22,844]

Like kay says it's easy to do things much cheaper if you use your brain.

 

My partners uncle is always in debt, so much so he suffers from massive depression.....he just dosnt get that he dosnt need the full sky package, £50 each on mobile phones, he will not believe you can get great clothes from charity shops and that the food bill can be more than halved by going to the local market and cooking food from scratch.

[DIDO.1 22,844]

For so many people in debt cancelling sky, getting cheap phones and not getting takeaways can save thousands a year....more than they are borrowing to 'survive'

[paulus 26]

For so many people in debt cancelling sky, getting cheap phones and not getting takeaways can save thousands a year....more than they are borrowing to 'survive'

no need for sky anymore, its free to be steamed off the net, the same with every film and tv show, all for a one off cost of about £40

[WILF 47,344]

And for the record, I wouldn't piss on a bailiff if they were on fire !

[paulus 26]

And for the record, I wouldn't piss on a bailiff if they were on fire !

had a mate who did it once, big lad, went to his first call, a single parent, ended up paying her debt himself and quit the same day

[WILF 47,344]

 

And for the record, I wouldn't piss on a bailiff if they were on fire !

 

had a mate who did it once, big lad, went to his first call, a single parent, ended up paying her debt himself and quit the same day

I think they call that "being a human" mate

Good on him

[Lab 10,979]

Funny cause I got brought up to earn what I wanted not just get it on tick then say "f**k it am not paying it".......then greet when the big bad men come and take what due.