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

[Harry Wilson's tackle]

I just came across this on the BBC web pages. My left eyebrow became elevated by a millimeter.

'I feel manipulated’: The 'debt help' ads targeting struggling mums

Social media posts are targeting people in problem debt with a product that could leave them worse off.

www.bbc.co.uk

An IVA is like a payday loan, but for more money and over a longer period of time.

I realize I may be 'lip implant-shaming' but it would be better to do it here than on a thread ostensibly about Botox. Which is a very different thing.

I suppose this made me also think about priorities, responsibility and judgement.

I think my left eyebrow has just gone up another millimeter.

For more context:

 

[Live by the sea]

To be fair kissing someone with thin lips is not pleasant .

 

[Harry Wilson's tackle]

To be fair kissing someone with thin lips is not pleasant .

Danger of tooth clash? Just ask them to remove their dentures. Or take out your own.

 

[knocky1]

To be fair kissing someone with thin lips is not pleasant .

Nor is kissing massive beef curtains.

 

[The Antikythera Mechanism]

It all started here

 

[beorhthelm]

how about having some personal responsibility, instead of crying about being manipulated by an ads to have a stupid vacuous procedure.

 

[Mustafa II]

You're not implant shaming, you're class shaming.

There are millions of people in the UK who haven't been fortunate enough to be raised with a great education, often through the area they grew up in and being raised by uneducated parents, then going on to spend their adult life with similarly poorly educated folk.

It's not surprising that such people do stupid things, when they simply know no better. I don't think it's fair to mock them, when they are simply doing what they understand to be best.

 

[Gabbafella]

Duplicate

 

[Gabbafella]

To be fair kissing someone with thin lips is not pleasant .

I hear you. Nothing to really hold the knickers to the side.

 

[Wardy's twin]

You're not implant shaming, you're class shaming.

There are millions of people in the UK who haven't been fortunate enough to be raised with a great education, often through the area they grew up in and being raised by uneducated parents, then going on to spend their adult life with similarly poorly educated folk.

It's not surprising that such people do stupid things, when they simply know no better. I don't think it's fair to mock them, when they are simply doing what they understand to be best.

are you confusing good education and common sense, plenty of well educated people lack the latter and plenty of people with little formal education have great common sense.

 

[DavidinSouthampton]

are you confusing good education and common sense, plenty of well educated people lack the latter and plenty of people with little formal education have great common sense.

Absolutely this. what is common sense to a Nuclear Scientist is very different to what is common sense to the person who cleans his office. And sometimes the intellectual educated person will be in cloud cuckoo land and totally impractical.

 

[Harry Wilson's tackle]

are you confusing good education and common sense, plenty of well educated people lack the latter and plenty of people with little formal education have great common sense.

Indeed.

I can understand that it is possible to end up as a single parent with three kids by the age of 23 through bad luck. I can understand that one can then get £17,000 in debt with car and furniture loans. And I can see that getting lip implants may constitute a legitimate way of ensuring that million dollar feeling after having splashed out on the car and furniture. And I can understand that while looking at adverts on Facebook and finding a website called Mums in Debt, promising to write off up to 85% of debt, some people may think 'brilliant - I'm IN!'.

However, how many people would apply for a loan while living at home with mum, with the loan structured to low outgoings, then act surprised when the sums didn't add up after moving into rented accommodation?

We have a great deal of freedom of choice in this country, but we also have the freedom to disregard the consequences. I don't imagine this has anything to do with class or education. It seems more aligned with a low threshold for risk-taking behaviour and, common or garden greed and vanity.

I'd like to be kind, here, but I have to say that I am struggling.

 

[A mex eyecan]

Well, to be honest when I was ‘cough’ quite a bit younger I was anything but responsible with money. Yes even when first married and Master Amex in his crib. Got us in a bit of a pickle but chasing the next must have. Then can to realise it’s all about choices you make and using the deck you’ve been dealt.

So, soon stopped my ways, learned that if i didn’t have the money then I shouldn’t spend it. We went without and learnt about priorities, self restraint, self responsibility. It was never going to be up to other people to bail us out.

Im not grouping all people who have debt into one category, they certainly won’t all be there by being irresponsible, many are in debt through little fault of their own. However in some cases you find many bemoaning their financial lot when they have an arm, leg or more covered in tattoos, coughing their lungs out from the ‘ciggies’ pout lips, designer label outfits. Couple of nice hols a year, the need to have brand new cars on loan etc etc. I get the desire but, it’s natural, and in honesty the yearning for it all is worse when you can least afford it.

Shame we aren’t all born wise, patient and content.

 

[Harry Wilson's tackle]

Absolutely this. what is common sense to a Nuclear Scientist is very different to what is common sense to the person who cleans his office. And sometimes the intellectual educated person will be in cloud cuckoo land and totally impractical.

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.

 

[Binney on acid]

Theres nothing 'common' about common sense. In reality, it's quite scarce.

 

[Mustafa II]

Indeed.

I can understand that it is possible to end up as a single parent with three kids by the age of 23 through bad luck. I can understand that one can then get £17,000 in debt with car and furniture loans. And I can see that getting lip implants may constitute a legitimate way of ensuring that million dollar feeling after having splashed out on the car and furniture. And I can understand that while looking at adverts on Facebook and finding a website called Mums in Debt, promising to write off up to 85% of debt, some people may think 'brilliant - I'm IN!'.

However, how many people would apply for a loan while living at home with mum, with the loan structured to low outgoings, then act surprised when the sums didn't add up after moving into rented accommodation?

We have a great deal of freedom of choice in this country, but we also have the freedom to disregard the consequences. I don't imagine this has anything to do with class or education. It seems more aligned with a low threshold for risk-taking behaviour and, common or garden greed and vanity.

I'd like to be kind, here, but I have to say that I am struggling.

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.

The banks sell their products in laymans terms. They don't really care or want any of their customers to understand their products. Get £x and pay £x over x months. Get credit of £x with a minimum payment of £x per month. Etc.

We don't know why Sharna had to move into rented accomodation. That's her business. She's skint, in debt, has little to no understanding of personal finances, and is a victim of manipulative advertising across the board. She's so naive about it all, that she's even gone public on mainstream media to talk about her mistakes.

I feel sorry for her. It's a shit life and must be really stressful. Someone should have warned her, or the lenders should not have allowed her to get into unaffordable debt.

 

[Thunder Bolt]

Indeed.

I can understand that it is possible to end up as a single parent with three kids by the age of 23 through bad luck. I can understand that one can then get £17,000 in debt with car and furniture loans. And I can see that getting lip implants may constitute a legitimate way of ensuring that million dollar feeling after having splashed out on the car and furniture. And I can understand that while looking at adverts on Facebook and finding a website called Mums in Debt, promising to write off up to 85% of debt, some people may think 'brilliant - I'm IN!'.

However, how many people would apply for a loan while living at home with mum, with the loan structured to low outgoings, then act surprised when the sums didn't add up after moving into rented accommodation?

We have a great deal of freedom of choice in this country, but we also have the freedom to disregard the consequences. I don't imagine this has anything to do with class or education. It seems more aligned with a low threshold for risk-taking behaviour and, common or garden greed and vanity.

I'd like to be kind, here, but I have to say that I am struggling.

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

 

[portslade seagull]

Not sure they would suit you Harry plus a pout trout trying to drink your Harvey's would end up in spillage

 

[The Clamp]

As long as there are Shaunas in this world there will be unscrupulous companies getting them into debt. And vice versa.

 

[Harry Wilson's tackle]

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.

The banks sell their products in laymans terms. They don't really care or want any of their customers to understand their products. Get £x and pay £x over x months. Get credit of £x with a minimum payment of £x per month. Etc.

We don't know why Sharna had to move into rented accomodation. That's her business. She's skint, in debt, has little to no understanding of personal finances, and is a victim of manipulative advertising across the board. She's so naive about it all, that she's even gone public on mainstream media to talk about her mistakes.

I feel sorry for her. It's a shit life and must be really stressful. Someone should have warned her, or the lenders should not have allowed her to get into unaffordable debt.

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.

So the lenders did not 'allow' her to get into unaffordable debt. For reasons unexplained she selected to live at home with her mum when she applied for the loan, then move out after she had obtained the loan.

I am not blaming her for her choices, but I find it hard also to blame the system and the loan companies. Nobody is suggesting the loan companies have acted illegally are they? I will check that again and update.....

Edit: no, it all seems to be above board: "She was passed on to another company, which signed her up to an Individual Voluntary Arrangement - a court-approved debt solution in which debts are combined into a single monthly payment. The arrangement, she was told, would last for five years. Shauna kept up with her agreed payments of £185 a month. But after a year, she realised her debts had barely budged."

and

"The BBC asked three independent debt advisers to review Shauna's case. They expressed concerns about the affordability of her IVA payments because it was set up when her outgoings were smaller because she was living with her mother."