How much do you OWE?

[Bozza]

Only sometimes Bozza?

Which sometimes? I used the word 3 times.

 

[tedebear]

(This isn't aimed at you) Isn't anyone who posts on an internet messageboard, this one and others, 'fair game'?

We put our opinions up to be shot at. Sometimes no-one shoots, sometimes there's a warning shot fired above our heads and sometimes we get 2 full barrels at point blank range.

If you can't stand the heat, go to that Ice Hotel place. Brrrrrrrrrrrrr.

Thats a bit of a pathetic response Bozza, be nice to think with a common interest we'd have some heart.

 

[Bozza]

Thats a bit of a pathetic response Bozza, be nice to think with a common interest we'd have some heart.

It might be pathetic (and thanks for that, BTW) but it's unfortunately true.

Show me a messageboard (which, generally, exist due to a common interest being held by the membership) where people don't snipe at each other to some degree. It seems to be human nature. The sniping seems to exist both when aspects of the common interest are discussed as well as when other parts of this big wide world are to the fore.

If you want to blame me for the genetic fault that seems to be present in our very species then so be it.

 

[Uncle Spielberg]

I get a fair bit of shite on here but dare say deserve a lot of it, Yorkie however is subject to a bullying campaign on here, end of, this unfortunately has overlapped onto the terraces on occasions and its bang out of order, she is a lovely lady

 

[tedebear]

It might be pathetic (and thanks for that, BTW) but it's unfortunately true.

Show me a messageboard (which, generally, exist due to a common interest being held by the membership) where people don't snipe at each other to some degree. It seems to be human nature. The sniping seems to exist both when aspects of the common interest are discussed as well as when other parts of this big wide world are to the fore.

If you want to blame me for the genetic fault that seems to be present in our very species then so be it.

I agree with you re the sniping, as a member of three other message boards I see it all the time especially 10/10ths our motor racing forum. What I've not seen anywhere else is the continual jibing and nit picking of posts from a certain poster. Never so continual and repetitive against someone whos posts are obviously not provocative. Its got to the point where its not so much disagreeing but disagreeing for the sake of who the poster is. Again its pathetic and school boy. If you wish to call it a genetic fault then thats your call. I call it going after an easy target.

I've made my point and thats it. But I doubt as you men are so big and so clever that you'll heed any sort of notice about the lack of respect for others you wield from behind your keyboards. Shame.

 

[beorhthelm]

with uk consumer debt now at £1.3tn (larger than our total output), what does yours stand at.

is that really even possible? if we take out loans surely we spend the money, ergo it goes back into the economy

other than my mortgage (which isnt consumer debt), i am in the black. which is nice.

 

[Bozza]

I agree with you re the sniping, as a member of three other message boards I see it all the time especially 10/10ths our motor racing forum. What I've not seen anywhere else is the continual jibing and nit picking of posts from a certain poster. Never so continual and repetitive against someone whos posts are obviously not provocative. Its got to the point where its not so much disagreeing but disagreeing for the sake of who the poster is. Again its pathetic and school boy. If you wish to call it a genetic fault then thats your call. I call it going after an easy target.

I've made my point and thats it. But I doubt as you men are so big and so clever that you'll heed any sort of notice about the lack of respect for others you wield from behind your keyboards. Shame.

Just so I'm clear, are you saying that I, that is specifically me, pick on Moya?

 

[portslade seagull]

Tooooooooo much

 

[tedebear]

Just so I'm clear, are you saying that I, that is specifically me, pick on Moya?

If your continual refuting and rebutting of anything she posts is in the form of "picking" then yes you form part of that group sadly.

 

[binky]

You cannot live in thi sday and age without owing something.

Yes you can.
It's called living within your means. People have been doing it for centuries. It's only in the past decade or so that everyone feels entitled to a standard of living beyond their ability to pay for it.
I blame Thatcher.

Seriously, I know people who believe they are on the breadline, and yet have NTL cable downstairs, Sky upstairs, 42" plasma screen, latest phone, Nike trainers...
All paid for on tick.


My mobile is a 6 yrear old Nokia.
My trainers have no name on them.
My car is 12 years old, carefuly chosen to last at least 200k miles.
We have one weeks holiday a year... in the west country.
The Television is over 10 years old, very bulky, and only has 28" of screen.
My watch is a Casio, which I think I paid about a fiver for... 20 years ago.


I owe nothing to anyone.
My house is paid for.
Go figure.

 

[Bozza]

My mobile is a 6 yrear old Nokia.
My trainers have no name on them.
My car is 12 years old, carefuly chosen to last at least 200k miles.
We have one weeks holiday a year... in the west country.
The Television is over 10 years old, very bulky, and only has 28" of screen.
My watch is a Casio, which I think I paid about a fiver for... 20 years ago.


I owe nothing to anyone.
My house is paid for.
Go figure.

Well if that is the existence that a debt-free life provides, I'm rather glad I have a mortgage and yet still...

Have a nice modern Blackberry communications device
Own some decent (to my taste) Nikes and Adidas.
Drive a BMW cabrio that doesn't have to worry about MOTs just yet.
Take long-haul holidays.
Am looking at what is the best 40" full HD LCD TV around.
Wear a classic Tag watch.

 

[Lokki 7]

My mobile is a 6 yrear old Nokia.
My trainers have no name on them.
My car is 12 years old, carefuly chosen to last at least 200k miles.
We have one weeks holiday a year... in the west country.
The Television is over 10 years old, very bulky, and only has 28" of screen.
My watch is a Casio, which I think I paid about a fiver for... 20 years ago.

Shouldn't you be supporting Gillingham?

 

[maffew]

Shouldn't you be supporting Gillingham?

 

[Tricky Dicky]

Shouldn't you be supporting Gillingham?

Thanks for a laugh at this time of the morning

 

[Alex Alex Dawson oo! oo!]

Well if that is the existence that a debt-free life provides, I'm rather glad I have a mortgage and yet still...

Have a nice modern Blackberry communications device
Own some decent (to my taste) Nikes and Adidas.
Drive a BMW cabrio that doesn't have to worry about MOTs just yet.
Take long-haul holidays.
Am looking at what is the best 40" full HD LCD TV around.
Wear a classic Tag watch.

OK, personal lifestyle choices like we all make but there's no compulsion here (cf: "You cannot live in this day and age without owing something"). Wasn't that Binky's point?

 

[Curious Orange]

I don't do debt, or paying interest on my credit card bills.

 

[Gwylan]

Yes you can.
It's called living within your means. People have been doing it for centuries. It's only in the past decade or so that everyone feels entitled to a standard of living beyond their ability to pay for it.
I blame Thatcher.

Seriously, I know people who believe they are on the breadline, and yet have NTL cable downstairs, Sky upstairs, 42" plasma screen, latest phone, Nike trainers...
All paid for on tick.


My mobile is a 6 yrear old Nokia.
My trainers have no name on them.
My car is 12 years old, carefuly chosen to last at least 200k miles.
We have one weeks holiday a year... in the west country.
The Television is over 10 years old, very bulky, and only has 28" of screen.
My watch is a Casio, which I think I paid about a fiver for... 20 years ago.
.

That sounds a bit like me - except I don't own any trainers or a car. And we holiday in Wales or Scotland. I certainly see little point in getting into debt for brand new consumer goods - keep them going until they keel over is my motto. I still have a laptop that's nine years old and going strong.

I normally pay my credit card off in full but we've had to fork out for a new washing machine and some brickwork on the house recently so I have about a grand's worth of debt: will pay that off over the next six months. And I have about £80k left on a mortgage.

 

[Tesco in Disguise]

If your continual refuting and rebutting of anything she posts is in the form of "picking" then yes you form part of that group sadly.

sorry, i think i've missed something here. is yorkie picked on? can't say i've ever noticed. and in real life?

 

[Nibble]

Yes you can.
It's called living within your means. People have been doing it for centuries. It's only in the past decade or so that everyone feels entitled to a standard of living beyond their ability to pay for it.
I blame Thatcher.

Seriously, I know people who believe they are on the breadline, and yet have NTL cable downstairs, Sky upstairs, 42" plasma screen, latest phone, Nike trainers...
All paid for on tick.


My mobile is a 6 yrear old Nokia.
My trainers have no name on them.
My car is 12 years old, carefuly chosen to last at least 200k miles.
We have one weeks holiday a year... in the west country.
The Television is over 10 years old, very bulky, and only has 28" of screen.
My watch is a Casio, which I think I paid about a fiver for... 20 years ago.


I owe nothing to anyone.
My house is paid for.
Go figure.

I didn't make myself clear, apologies. I meant more in the realms of overdrafts, mortgages, Hire purchase, car payments. The sort of thing that some people don't see as debt but more as the only feasable way to live, even when doing without luxuries.

 

[DIFFBROOK]

When I was young (19) I too was hopeless with money. I had car loans and a credit card that I saw as not having to pay back, just the minimun. When the minimun of those cards/loans adds up to what you nearly take home a month, then you are in deep trouble.

I was in such a mess that I borrowed an interest free loan off my company to pay for a train ticket to London. Instead of buying the ticket, I spent it. God knows on what. I then had the small problem of forking out rail travel to London on my diminishing desposable income. So guess what. I tried to travel for free. I was crap at that too and got caught, fined (quite rightly). My parents finally found out. Thankfully they didn't bail me out ( I would have just started from scratch), but sat down with me and worked out what I could do to try and sort it all out.

I sold my car and had to walk everywhere and had to cut out on socialising. It took time to pay off debts, but it made me grow up and take some responsibility.


Now mnay years later we have a mortgage (actually quite small now) and the house is 6 times more than that.

I sit down at every pay day and work out what we (as a family) have coming in and what needs to be spent. Whatever is left over is actually spending money, plus savings.

We have no debts (loans, car loans, cc's etc) but around £13,000 savings.

It really is all about managing money. I wish they had some kind of lessons in life i.e managing money etc when I was at school. I wonder if they do now.