hellbhoy Posted March 24, 2017 Share Posted March 24, 2017 Just now, welshbairn said: A lot of people can barely cope with their outgoings from their income. If shit happens they struggle. The minimum wage doesn't go that far for most people who have to end up borrowing money a week before they get paid. So yes I have been in that position of counting days until the mediocre amount of money goes into my bank accout. You pay back what you borrow and the cycle repeats itself unfortunately. Maybe red23 has some spare cash he can give to people who need it more than his bank does. 0 Quote Link to comment Share on other sites More sharing options...
red23 Posted March 24, 2017 Share Posted March 24, 2017 3 minutes ago, hellbhoy said: The minimum wage doesn't go that far for most people who have to end up borrowing money a week before they get paid. So yes I have been in that position of counting days until the mediocre amount of money goes into my bank accout. You pay back what you borrow and the cycle repeats itself unfortunately. Maybe red23 has some spare cash he can give to people who need it more than his bank does. It's not so much that. Everyone i know who struggles for money and going payday to payday has the latest iphone, car on hire purchase, house they can barely afford. People these days have a problem between what they need and want. We've all become a bit greedy 0 Quote Link to comment Share on other sites More sharing options...
mizfit Posted March 24, 2017 Share Posted March 24, 2017 I think this is a side-effect of parenthood. f**k knows the last time I slept beyond about 8:30am. Even on the rare occasion I'm out on the piss and stagger in at 3am, I'm a safe bet to have a poxy 4 hour snooze and wake up even earlier than I normally would. I don't even have kids, but the lastest I'll sleep in until is 9. It infuriates me. 0 Quote Link to comment Share on other sites More sharing options...
welshbairn Posted March 24, 2017 Share Posted March 24, 2017 15 minutes ago, Aidan said: I feel like you're completely missing the point. Exactly. It's an awkward thing to warn your tailor that he's going to have to wait a week for his payment because of a screw up by the accounts department, but it's hardly a disaster. 0 Quote Link to comment Share on other sites More sharing options...
hellbhoy Posted March 25, 2017 Share Posted March 25, 2017 Just now, red23 said: It's not so much that. Everyone i know who struggles for money and going payday to payday has the latest iphone, car on hire purchase, house they can barely afford. People these days have a problem between what they need and want. We've all become a bit greedy I grew up in a time before Maggie Thatcher deregulated the banks and credit was hard to come by and the adverts the banks were using mostly told us to save our cash in their banks, nowadays the adverts are telling folk to get easy credit to buy the latest stuff, why? because they make more cash out of us by being in debt, but who cares you have the latest stuff and that's what is important is the new mantra. I understand where you are coming from but for the younger generation they have been subjected to mass marketing ploys that you don't have to accept mediocre things in your life if you accept credit but try not to think that it is actually a debt that has to be paid back. I pay cash upfront for just about everything because I don't use credit facilities, I saved up very hard by scrimping and scraping, cutting some corners and that. But that's my personal choice and if others can't do it the old fashioned way then what is wrong with using a credit facility if you can pay it back with interest? As someone once put it!, it's the new catalogue where you pay up weekly for things you want now except without having to buy from one catalogue. Peer pressure and extreme vanity can make folk take the easy cash credit so they look like they have money when in fact it's all a sham. 0 Quote Link to comment Share on other sites More sharing options...
Aidan Posted March 25, 2017 Share Posted March 25, 2017 This chat has got very serious when you consider that all I was really complaining about was the fact I can't have a few pints and a takeaway tomorrow. 0 Quote Link to comment Share on other sites More sharing options...
mjw Posted March 25, 2017 Share Posted March 25, 2017 This chat has got very serious when you consider that all I was really complaining about was the fact I can't have a few pints and a takeaway tomorrow. Red23 will sub you a few quid. 0 Quote Link to comment Share on other sites More sharing options...
red23 Posted March 25, 2017 Share Posted March 25, 2017 3 minutes ago, mjw said: Red23 will sub you a few quid. Nah sorry lads, just spunked it all away on a new iphone for £70 a month full sky package and some new full price clobber from Jack Wills. 0 Quote Link to comment Share on other sites More sharing options...
Aidan Posted March 25, 2017 Share Posted March 25, 2017 Red23 will sub you a few quid. I think I just need to learn to calm down with my out of control spending tbh 0 Quote Link to comment Share on other sites More sharing options...
red23 Posted March 25, 2017 Share Posted March 25, 2017 (edited) 17 minutes ago, hellbhoy said: I grew up in a time before Maggie Thatcher deregulated the banks and credit was hard to come by and the adverts the banks were using mostly told us to save our cash in their banks, nowadays the adverts are telling folk to get easy credit to buy the latest stuff, why? because they make more cash out of us by being in debt, but who cares you have the latest stuff and that's what is important is the new mantra. I understand where you are coming from but for the younger generation they have been subjected to mass marketing ploys that you don't have to accept mediocre things in your life if you accept credit but try not to think that it is actually a debt that has to be paid back. I pay cash upfront for just about everything because I don't use credit facilities, I saved up very hard by scrimping and scraping, cutting some corners and that. But that's my personal choice and if others can't do it the old fashioned way then what is wrong with using a credit facility if you can pay it back with interest? As someone once put it!, it's the new catalogue where you pay up weekly for things you want now except without having to buy from one catalogue. Peer pressure and extreme vanity can make folk take the easy cash credit so they look like they have money when in fact it's all a sham. Good post, i just don't think people these days know what its like to truly be hard up. To be honest i think its the media making everyone feel and believe they are 'skint' "aye..... see the cost of living is going up, wont be able to afford ma pint of milk soon". The demand to be fashionable and one of the cool kids these days seems to be more important than eating. I've lived all of my life so far with a clear boundary between needs and wants. No brand new phone, no brand new car and i've done Ok out of it. Edited March 25, 2017 by red23 0 Quote Link to comment Share on other sites More sharing options...
red23 Posted March 25, 2017 Share Posted March 25, 2017 5 minutes ago, Aidan said: I think I just need to learn to calm down with my out of control spending tbh Aye spending £50 on two pizzas from Dominos is probably where you're going wrong 0 Quote Link to comment Share on other sites More sharing options...
Aidan Posted March 25, 2017 Share Posted March 25, 2017 Aye spending £50 on two pizzas from Dominos is probably where you're going wrong I probably spend about a tenner from a local takeaway but okay 0 Quote Link to comment Share on other sites More sharing options...
hellbhoy Posted March 25, 2017 Share Posted March 25, 2017 11 minutes ago, red23 said: Good post, i just don't think people these days know what its like to truly be hard up. To be honest i think its the media making everyone feel and believe they are 'skint' "aye..... see the cost of living is going up, wont be able to afford ma pint of milk soon". The demand to be fashionable and one of the cool kids these days seems to be more important than eating. I've lived all of my life so far with a clear boundary between needs and wants. No brand new phone, no brand new car and i've done Ok out of it. Maybe they should watch "Eat well for less" or any money savvy programs to help them cut some non essential financial habits that favour the lazy and miss out the soaps. 0 Quote Link to comment Share on other sites More sharing options...
hellbhoy Posted March 25, 2017 Share Posted March 25, 2017 5 minutes ago, Aidan said: I probably spend about a tenner from a local takeaway but okay I'd suggest making your own pizza but after a few too many cans and about an hour later it will magically turn into a Goodfellas carbon frizby. 0 Quote Link to comment Share on other sites More sharing options...
Aidan Posted March 25, 2017 Share Posted March 25, 2017 I'd suggest making your own pizza but after a few too many cans and about an hour later it will magically turn into a Goodfellas carbon frizby. [emoji38] That's not a bad shout actually. Since I'm staying in tomorrow I'm taking my niece for the night so getting to wreck the kitchen might shut her up for half an hour or so. 0 Quote Link to comment Share on other sites More sharing options...
welshbairn Posted March 25, 2017 Share Posted March 25, 2017 34 minutes ago, red23 said: Nah sorry lads, just spunked it all away on a new iphone for £70 a month full sky package and some new full price clobber from Jack Wills. 26 minutes ago, red23 said: Aye spending £50 on two pizzas from Dominos is probably where you're going wrong Are you looking to invest in a sure fire project that will double your capital in no time at all? PM me, sort you out. Free bets too. 0 Quote Link to comment Share on other sites More sharing options...
hellbhoy Posted March 25, 2017 Share Posted March 25, 2017 1 minute ago, Aidan said: That's not a bad shout actually. Since I'm staying in tomorrow I'm taking my niece for the night so getting to wreck the kitchen might shut her up for half an hour or so. Letting the niece getting a pizza the action will deffo keep her amused, all you need next is for her to obtain a cold one straight from the fridge while she is keeping a watch on the whatever it ends up being. I made pizzas with my daughter when she was young, she preferred the French bread pizzas better. A jar of Ragu some cheese and some toppings and much fun to be had. 0 Quote Link to comment Share on other sites More sharing options...
hellbhoy Posted March 25, 2017 Share Posted March 25, 2017 Just now, welshbairn said: Are you looking to invest in a sure fire project that will double your capital in no time at all? PM me, sort you out. Free bets too. You still trying to offload them Rangers international PLC shares you bought? 0 Quote Link to comment Share on other sites More sharing options...
1320Lichtie Posted March 25, 2017 Share Posted March 25, 2017 red23 0 Quote Link to comment Share on other sites More sharing options...
Zen Archer (Raconteur) Posted March 25, 2017 Share Posted March 25, 2017 7 hours ago, hellbhoy said: I grew up in a time before Maggie Thatcher deregulated the banks and credit was hard to come by and the adverts the banks were using mostly told us to save our cash in their banks, nowadays the adverts are telling folk to get easy credit to buy the latest stuff, why? because they make more cash out of us by being in debt, but who cares you have the latest stuff and that's what is important is the new mantra. I understand where you are coming from but for the younger generation they have been subjected to mass marketing ploys that you don't have to accept mediocre things in your life if you accept credit but try not to think that it is actually a debt that has to be paid back. I pay cash upfront for just about everything because I don't use credit facilities, I saved up very hard by scrimping and scraping, cutting some corners and that. But that's my personal choice and if others can't do it the old fashioned way then what is wrong with using a credit facility if you can pay it back with interest? As someone once put it!, it's the new catalogue where you pay up weekly for things you want now except without having to buy from one catalogue. Peer pressure and extreme vanity can make folk take the easy cash credit so they look like they have money when in fact it's all a sham. 0 Quote Link to comment Share on other sites More sharing options...
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