[Misc] Lip implants - how (are they affordable)?

[Me and my Monkey]

Hang on. How do we know she’s had a lip implant and doesn’t just have funny looking lips? I think she’s just got funny looking lips.

 

[herecomesaregular]

30 years ago, in my early 20s, I worked in a call centre for a credit card dept of a well known bank. I was amazed and horrified by the amount of young women working there (not customers) who had massive debts from, basically, shopaholicism. 1000s and 1000s of pounds of reckless spending. It does appear this sort of lifestyle choice (?) has become the norm for some. And this particular lady in the article obviously spends money on having her eyebrows done, plenty of tattoos and yes she does seem a bit trout-lippy, so some cosmetic surgery ( a guess, not a fact). If you have money problems and struggle to pay the bills these are hardly essentials. This, and using your brain to work out whether the debt repayment plan actually reduces your balance, means little sympathy from me. You pays your money and you makes your choice? (not manipulation). However, I do feel really strongly that school education should include proper teaching about the use of credit - you have to pay it back obviously! The need for it is so blindly obvious I don't understand why it's not on the curriculum? (unless it is?).

 

[beorhthelm]

So having given it enough thought, you can mostly understand how Shauna from Wales got into this pickle, afterall.

Most people in my experience - educated or not - have poor understanding of personal finance.. There's no compulsary education about it, it's not really a popular topic in the media, and many groups of people have no interest in talking about it.

understanding the principle you don't have enough money to pay for things, so stop spending, is not something that needs deep education. by maintaining this isnt the person's responsibility you enable their behaviour and perpetuate poor decisions. seeing an ad for writing off 85%... come on, who thinks that's likely to be pukka?

and re-reading, i'm going to go there... where the fudge is the father? "cost mounted when pregnant", has three children. unless she just had triplets, this is not something she should be having to manage on her own.

 

[schmunk]

The need for it is so blindly obvious I don't understand why it's not on the curriculum? (unless it is?).

National curriculum in England: citizenship programmes of study for key stages 3 and 4

www.gov.uk

The Secondary School "Citizenship" curriculum, published 2013, includes:

• the functions and uses of money, the importance and practice of budgeting, and managing risk
• income and expenditure, credit and debt, insurance, savings and pensions, financial products and services, and how public money is raised and spent

"These are the statutory programmes of study and attainment targets for citizenship at key stages 3 and 4. All local-authority-maintained schools should teach them."

 

[MJsGhost]

The debt became unaffordable in the end because she moved out of her mum's home. There is no suggestion this was anything other than her choice.

What is missing from the story is how she chose to get £17,000 into debt on car and furniture loans, why she chose to seek a further loan when (and based on outgoings when) living with mum, why she then decided then to move into a rental place making the debt repayment unfeasible, and why the servicing of the debt has not dented the amount owed. As for the latter, she is either replaying what she arranged (this seems to be the case) and she has not yet serviced the capital because repayments are structured (like may mortgages used to be) to pay off the interest first, or she is not repaying what was agreed because she has new outgoings.

It's possible that her mum's house isn't big enough for her daughter and 3 grandchildren so there wasn't really an option to stay any longer as the kids grow? £17k of loans to furnish her new place and get a car to enable ferrying around of the 3 rugrats? Who knows?

I'm not sure why I'm going into bat for Shauna, but some of it might make a little sense seen from a different angle Harry

However, I am of the general view that those short of money should probably cut out non-essentials as a priority. Lip fillers (which does at least look like it's the case) are not what I would class as essential (though there are probably one or two season ticket holders that do mental gymnastics to justify keeping it despite financial strife, so it's worth remembering how differently we all see the 'essentials' of life).

 

[Harry Wilson's tackle]

Youngsters of 23 can be debt by £27K before they've even started work!

Really? Perhaps I'm out of touch.

Nevertheless, not sure why this particular case is therefore newsworthy.

Maybe I've got dude poisoning today. AKA Gamonella.

 

[Harry Wilson's tackle]

It's possible that her mum's house isn't big enough for her daughter and 3 grandchildren so there wasn't really an option to stay any longer as the kids grow? £17k of loans to furnish her new place and get a car to enable ferrying around of the 3 rugrats? Who knows?

I'm not sure why I'm going into bat for Shauna, but some of it might make a little sense seen from a different angle Harry

However, I am of the general view that those short of money should probably cut out non-essentials as a priority. Lip fillers (which does at least look like it's the case) are not what I would class as essential (though there are probably one or two season ticket holders that do mental gymnastics to justify keeping it despite financial strife, so it's worth remembering how differently we all see the 'essentials' of life).

Indeed. I'm not normally this pissy. Something about this story, following on from the kerfuffle about 'botox' set me off. Maybe I just need a lie down, followed by a mug of warm milk and a rusk.

 

[schmunk]

Really? Perhaps I'm out of touch.

It's you putting them in that debt. YOU!

 

[el punal]

It all started here

View attachment 164033

Brighton fan banned for three years after attempting to smuggle a bottle top into the stadium.

 

[beorhthelm]

to be fair there is a real issue under the headline, crappy businesses conning people into debt salvation. its a shame it starts about the person and their lifestyle choices rather than that issue.

 

[Thunder Bolt]

Really? Perhaps I'm out of touch.

Nevertheless, not sure why this particular case is therefore newsworthy.

Maybe I've got dude poisoning today. AKA Gamonella.

Three years uni at £9K a year - like my granddaughter who’s just graduated

 

[Harry Wilson's tackle]

Three years uni at £9K a year - like my granddaughter who’s just graduated

Oh, that. Did she get a student loan? It was the case that you had to earn well to start repaying, and the outstanding debt was cancelled after X years. I guess the tories have tweaked it so it is less favourably structured for those with no bank of mum and dad to 'borrow' from. As a bit of eyes-wide-open 'borrowing', a student loan makes a bit more sense than the case on the BBC web page.

 

[Harry Wilson's tackle]

to be fair there is a real issue under the headline, crappy businesses conning people into debt salvation. its a shame it starts about the person and their lifestyle choices rather than that issue.

Indeed. Also the article isn't fair with respect to the reporting of the lifestyle. It may not be choices at all. If she has been left by a feckless husband at age 23, with 3 kids, and no child maintenance, it would be useful to report this. The neutral approach allows speculation about unwise choices to fill the void and, as you say, a potentially important issue is missed among all the eyebrow raising by proto-gammon like myself.

 

[WATFORD zero]

Somebody took out loans that they had no chance of paying back (stupid loans company). So they then took out an IVA and have now decided that they can't afford that either. I'm sure this happens all the time and can't understand why is this a major news story ?

Things were so much simpler when I was a kid. Borrow money you couldn't pay back, get your legs broken

 

[Van Cleef]

Somebody took out loans that they had no chance of paying back (stupid loans company). So they then took out an IVA and have now decided that they can't afford that either. I'm sure this happens all the time and can't understand why is this a major news story ?

Things were so much simpler when I was a kid. Borrow money you couldn't pay back, get your legs broken

You should never have borrowed from gripper stebson.

 

[Cheshire Cat]

I disagree with the narrative here. It is almost a trope that the daffy boffin won't know how to tie his shoe laces but his gardener could strip down and rebuild a Cortina engine in an afternoon. That's normally the exception rather than the rule.

It's about skill sets. If you have a good combination you will get on. If you don't, and among the things you lack are judgement, restraint and an ability to plan, you could end up f***ed pretty quickly.

And on top of that, layer the various spectra, that can change the colour and flavour of decision making, and you can get all sorts (of personalities and outcomes, for millionaires to recipients of the pleasure of huis majesty)).

I do think that when someone (who is not otherwise certifiably incapable) seems to have a penchant for making car-crash choices, they need either some sort of legal limiter on what they can do, or they simply gave to learn to lump it.

My dad was a boffin who probably could have stripped and rebuilt his Cortina in an afternoon, but couldn't be bothered.

 

[WATFORD zero]

You should never have borrowed from gripper stebson.

Gripper Stebson would have been positively Mary Poppins like amongst the money lenders where I was bought up

 

[portlock seagull]

Obviously I know sweet FA about this matter.

What I do know is my wife’s 23year old 2nd cousin hasn’t had any such work done. Amongst her group of 12-15 girlfriends, only her and one other hadn’t.

I find it astonishing and sad and a little crazy so many young women feel need to do this.

Generation Trout.

 

[DavidinSouthampton]

I disagree with the narrative here. It is almost a trope that the daffy boffin won't know how to tie his shoe laces but his gardener could strip down and rebuild a Cortina engine in an afternoon. That's normally the exception rather than the rule.

It's about skill sets. If you have a good combination you will get on. If you don't, and among the things you lack are judgement, restraint and an ability to plan, you could end up f***ed pretty quickly.

And on top of that, layer the various spectra, that can change the colour and flavour of decision making, and you can get all sorts (of personalities and outcomes, for millionaires to recipients of the pleasure of huis majesty)).

I do think that when someone (who is not otherwise certifiably incapable) seems to have a penchant for making car-crash choices, they need either some sort of legal limiter on what they can do, or they simply gave to learn to lump it.

I disagree with your disagreement!

or rather - joking aside - I was not trying to imply that all boffins have no practical skills. I have known plenty in my life who are immensely practical in all sorts of things which do not have anything at all to do with their academic discipline.

but I did an MBA 30 odd years ago which made precisely the point that common sense is different things to different people. A couple of weekends ago my daughter-in-law - a very very good science teacher - was amazed that I did not know the order of the planets from the sun outwards, me being reasonably well educated with two Masters degrees, the aforementioned MBA and a Modern Languages MA so not remotely scientific.

But if in an educational establishment something went wrong like a burst pipe or something wrong with the electrics, the caretaker would have more idea, probably, what to do about it than a teacher or academics….. or me.

Some people, whatever level they’re at, will be amazed that other people don’t instinctively know what they know. On a quiz programme yesterday on the TV (The Chase) one of the questions had an element of French Language about it. The contestant got it wrong and I was shouting at the television….. or at least thinking “what a pr@t”, but I know full well that plenty of people would turn off completely the moment someone says bonjour!

 

[Cheshire Cat]

Some people, whatever level they’re at, will be amazed that other people don’t instinctively know what they know. On a quiz programme yesterday on the TV (The Chase) one of the questions had an element of French Language about it. The contestant got it wrong and I was shouting at the television….. or at least thinking “what a pr@t”, but I know full well that plenty of people would turn off completely the moment someone says bonjour!

My knowledge of pop music after 1990 is minimal.

My knowledge of the novels of Wordsworth however is IMMENSE.