Petty Things That Get On Your Nerves...

[Bert Raccoon]

I'd rather be skint than be a miserable c**t with no memories apart from Saturday nights in the house looking at my savings book and having a chug while everyone else is out actually enjoying life 

[19QOS19]

I'd rather be skint than be a miserable c**t with no memories apart from Saturday nights in the house looking at my savings book and having a chug while everyone else is out actually enjoying life 

There's probably a middle ground between those two tbf Bert [emoji38]

[peasy23]

Euro 20/21 sun forum has been added to the International Football and Other Sports section. It's been added at the top of the list meaning I've clicked on the Women's Football tab by mistake at least half a dozen times instead of Other Sports.

[invergowrie arab]

I have a house and survived my 20s on Tennents, speed and kebab meat.

[Hampden Diehard]

23 hours ago, Rasputin said:

^^ The Message, just in case any heathens don’t know what these finely-dressed gents are doing here. 
 

 

Would have loved it if the tune was called The Messages.

Saw him a few years ago. Outstanding.

[Melanius Mullarkey]

16 minutes ago, invergowrie arab said:

I have a house and survived my 20s on Tennents, speed and kebab meat.

Paid for in £500 notes as well.

[19QOS19]

I have a house and survived my 20s on Tennents, speed and kebab meat.

As well as plenty of doner after a night out?

[red23]

3 hours ago, DA Baracus said:

£30 takeaways EVERY NIGHT on the dole? Nope.

EVERY SINGLE PERSON in your class spent their student loan on new computers, phones, clothes every single month? Nope. Also, how could you possibly even know that?

Saved the majority of £10k a year to buy a flat? Not impossible. How much were these flats?! How did you support yourself, i.e. pay bills and buy food etc whilst saving the majority of a £10k wage?

£20k jobs with new build houses? Nope.

 

 

You've lied here to try and prove your myopic point. Do you know much money you get on the dole? Suffice to say someone spending £30 a night on takeaways would be going hungry very quickly. £20k salary and getting a new build house? But how did they save for the deposit if they're spending all their cash like you claim? And what banks are lending to these people on that salary? People buying new phones and computers every month? So everyone ended up with multiple phones and computers? Every single one of them? Did you survey them all every single month to find this out? A guy with £30k student loan debt is irrelevant, as what he pays back depends on his salary. He could be paying back as little as £0 each month if he makes below £25,000 a year.

There are definitely folk who are reckless spenders and there are folk who are careless or even clueless spenders. There's also folk who aren't financially literate. It's not like you get taught things about finance in school (although such things absolutely should be on the curriculum).

However, there are sadly too many folk who are just struggling to get by as it is, for various reasons, and simply can't afford a deposit for a house or to put money in savings each month or pay more in to a pension etc. The cost of living keeps going up and wages are falling further behind.

I've got no reason to lie but i can expand. 

ex had 2 kids got support from her kids dad who worked offshore and family. 

EVERYONE spunked the money away on nonsense not just computers - i knew because funny enough i was in a class with them and the discussion of what they bought was brought up regularly.

20k job but rented property 

Chose to stay at home extra year to save up deposit unlike mates. When i moved in to my first flat i was on 18k a year and lived quite comfortably despite a £650 mortgage so i'm not sure what people are doing. Flat was bought for 90k.

As you see from the other replies some folk assume i had a sad life sitting in all the time? no i was just cautious and just knew how not to waste my money and save it for important things like going out getting pished.

Edited May 20, 2021 by red23

[madwullie]

1 hour ago, invergowrie arab said:

I have a house and survived my 20s on Tennents, speed and kebab meat.

Breakfast of champions 

[Shandon Par]

The folk not saving are putting money in the pockets of shopkeepers, their employees, the landlord of the building, the cleaners, the utility companies, and of course into the exchequer. Having money when you’re old doesn’t ward off the grim reaper.

[Cyclizine]

1 hour ago, red23 said:

Chose to stay at home extra year to save up deposit unlike mates. When i moved in to my first flat i was on 18k a year and lived quite comfortably despite a £650 mortgage so i'm not sure what people are doing. Flat was bought for 90k.

So you were talking bollocks and as predicted you were living and supported by your parents. It's easy to save money when you don't have to spend it on essentials. People living hand-to-mouth genuinely can't afford even basics and certainly can't put anything aside for savings.

[red23]

13 minutes ago, Cyclizine said:

So you were talking bollocks and as predicted you were living and supported by your parents. It's easy to save money when you don't have to spend it on essentials. People living hand-to-mouth genuinely can't afford even basics and certainly can't put anything aside for savings.

When did i say i wasn't staying at home to save the deposit? i made that sacrifice rather than having my own place, it wasn't a pleasant choice believe me but it was to make the best use of my cash which others classmates/friends did't do.

Edited May 20, 2021 by red23

[Derry Alli]

5 hours ago, red23 said:

When did i say i wasn't staying at home to save the deposit? i made that sacrifice 

"sacrifice"

[Melanius Mullarkey]

Red23 upstairs in his mum and dads hoose:

 

Edited May 21, 2021 by Melanius Mullarkey

[Cyclizine]

6 hours ago, red23 said:

When did i say i wasn't staying at home to save the deposit? i made that sacrifice rather than having my own place, it wasn't a pleasant choice believe me but it was to make the best use of my cash which others classmates/friends did't do.

You said how easy it was for you to save over half of your £10,000 wages, implying anyone who couldn't save was lazy, but neglected to mention you were a student living with mummy and daddy. "Sacrifice", bloody hell, you must have been the life and soul of the party. If you'd gone to any, that is.

Edited May 21, 2021 by Cyclizine

[Shotgun]

I think we’ve found the solution to poverty. Poor people should just move back in with their parents. Simple. 
 

[RH33]

18k would give you lending of 68k. So why would you be paying £650 on a mortgage? Before I moved out we were £50 less than that on a £125k mortgage.

 

[SANTAN]

Red23 you on Instagram? 

[ICTJohnboy]

10 hours ago, madwullie said:

Breakfast of champions 

 

Naah.... You haven't lived until you've had cornflakes with Guinness instead of milk.

[DA Baracus]

12 hours ago, red23 said:

I've got no reason to lie but i can expand. 

ex had 2 kids got support from her kids dad who worked offshore and family. 

EVERYONE spunked the money away on nonsense not just computers - i knew because funny enough i was in a class with them and the discussion of what they bought was brought up regularly.

20k job but rented property 

Chose to stay at home extra year to save up deposit unlike mates. When i moved in to my first flat i was on 18k a year and lived quite comfortably despite a £650 mortgage so i'm not sure what people are doing. Flat was bought for 90k.

As you see from the other replies some folk assume i had a sad life sitting in all the time? no i was just cautious and just knew how not to waste my money and save it for important things like going out getting pished.

You're being incredibly disingenuous.

No mention of the guy on the dole who was spending £30 on takeaways every single night? I was on the dole once. It was awful. Think it was about £60 a week, paid fortnightly.

How long ago was this college class? Remarkable that every single person wasted their money every single month. Why were you asking every single person in the class what they spent their money on every single month? Did you have a survey ready to go on the first of each month? Given that student loans are means tested on parental income, it's an incredible anomaly of statistics that everyone was getting the same loan to be able to spend on the same things. What computers were every single person getting every single month by the way? In your survey did you ask them why they all had multiple computers? What did they do with 7/8/9 computers? Did you collate receipts?

I've been to university, more times than I should have. I never knew every single person in every single class (there wasn't a 'single class' given each one was different depending on courses and modules). I certainly heard of folk spunking their cash away mind. Definitely not uncommon. But I never once heard of EVERY SINGLE PERSON in a class do it EVERY SINGLE MONTH. The classes were often too big to know everyone for a start, and I would certainly not start asking every single person every single month what they plan to do with their student loan instalment. I knew plenty of folk who had to work at the same time to support themselves. They certainly weren't spending their student loan every single month on computers and phones.

£20k job but rented a new build? Alone?

As others have pointed out, not everyone has the option to stay at home and work. A £650 a month mortgage on £18k? How? What banks were lending that to you? How did you get a credit history, something most banks demand before they lend? A £90k flat where you are paying £650 a month means you'd pay it off in just over 11 years. Presumably you didn't actually get an 11 and a half year mortgage and you mean you were overpaying your mortgage? With council tax, home insurance, power and food bills on top of that, on an £18k a year salary? Fine margins there.

Edited May 21, 2021 by DA Baracus