mav
Member
Registered: 19th Jun 01
Location: Scotland
User status: Offline
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i admire you if you stick to that
what about house etc when it comes to it...
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Jules S
Premium Member
Registered: 24th Dec 03
User status: Offline
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quote:
Originally posted by Ben
never owed fuck all , i work and buy what i can afford with that
if i dont have the money i just dont buy it, whats hard about that?
nothing whatsoever
however, buy a house and it gets different.
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John
Member
Registered: 30th Jun 03
User status: Offline
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quote:
Originally posted by Ben
never owed fuck all , i work and buy what i can afford with that
if i dont have the money i just dont buy it, whats hard about that?
Because then you can't be a cool cat and show off your flashy new stuff.
I buy what I can afford as well btw.
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CorsAsh
Member
Registered: 19th Apr 02
Location: Munich
User status: Offline
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Can I just clarify I didn't go out "buying flashy stuff". When I went to uni, I had trouble with accommodation, and the only place I could get to stay at short notice was a private apartment complex. The rent from that used up most of my student loan, and I had to break into my overdraft to afford food and bills etc.
I had a job since the second year which provided enough for weekly spending, but didnt pay off my overdraft really. Then I started working 30 hours a week on top of studies to earn enough to pay off my overdraft - not wanting to leave uni with more debt than I could help.
So you see, I haven't been going out drinking and clubbing every night, it's just an unfortunate set of circumstances that led to me being in the red.
Appreciate your understanding. Thanks.
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Ben
Banned
Registered: 12th Jan 03
Location: West Yorkshire
User status: Offline
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quote:
Originally posted by mav
i admire you if you stick to that
what about house etc when it comes to it...
a house is a different ball game , no one can fork out 100k straight off
athough once i had the house i wouldnt get in debt for sofas ect like some nobs do
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Ben
Banned
Registered: 12th Jan 03
Location: West Yorkshire
User status: Offline
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quote:
Originally posted by John
quote:
Originally posted by Ben
never owed fuck all , i work and buy what i can afford with that
if i dont have the money i just dont buy it, whats hard about that?
Because then you can't be a cool cat and show off your flashy new stuff.
I buy what I can afford as well btw.
i had a nice gsi at 18 , had a frontera , astra g van , 106 ect ect ect , new nice decent clothes , 3 holidays last year and were out every weekend.
all i have spent no more than i earnt
so you can do it , its the lazy ones who get in debt
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CorsAsh
Member
Registered: 19th Apr 02
Location: Munich
User status: Offline
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Do you have your own place Ben?
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stuartmitchell
Member
Registered: 24th Apr 04
Location: Kirkliston, Edinburgh
User status: Offline
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I have no control over my spending so I just work harder to accomodate this  
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Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Offline
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I find the moral highground a bit laughable when those same people are going to borrow money to buy a house but somehow that is OK.
I'm in debt for my flat which hopefully will appreciate and some cars and a bit of furniture which certainly won't.
Doesn't matter at the end of the day. Numbers on a bit of paper. You can't take it with you.
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CorsAsh
Member
Registered: 19th Apr 02
Location: Munich
User status: Offline
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Note how Ben didn't answer my question. If I'd never gone to uni and rented a flat then I wouldn't have posted about this today. It amuses me when people make such sweeping statements as before.
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ed
Member
Registered: 10th Sep 03
User status: Offline
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The never get in debt people will just have to play about with thier 10 year old cars then for the rest of thier lives. I see no problem getting a car on finance or HP or buying new things on credit cards. The money is always going to be there to pay off these debts. The convenience of being about to buy something and be able to pay for it over a couple of months is worth it. It's just a case of not overdoing it.
At the moment for me the money isn't there so the credit card stays at home in the safe.
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John
Member
Registered: 30th Jun 03
User status: Offline
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My comment wasn't aimed at anybody in particular btw, realised it could be taken that way.
I've just seen quite a lot of people that are in 10k+ debt and they have nothing to show except they once had a half decent car and they bought loads of clothes.
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a_j_mair
Member
Registered: 23rd Jan 04
Location: Scotland
User status: Offline
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i plan on geting out of debt this year aswell bout £1800 plus £1500 student loan that will start paying back shortly 
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Ben
Banned
Registered: 12th Jan 03
Location: West Yorkshire
User status: Offline
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quote:
Originally posted by CorsAsh
Note how Ben didn't answer my question. If I'd never gone to uni and rented a flat then I wouldn't have posted about this today. It amuses me when people make such sweeping statements as before.
Notice how i wernt online 
and no i dont have my own place ,although i have enough disposable income per month for my own place , and have put in an offer for a house.
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langey
Member
Registered: 7th Sep 03
Location: Wigan
User status: Offline
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i got 5grands worth of debt to pay off. over along long time, really need another job so i can work myway out of it, but after being at work all day i cant be arsed working again at night.
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langey
Member
Registered: 7th Sep 03
Location: Wigan
User status: Offline
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quote:
Originally posted by Ian
Doesn't matter at the end of the day. Numbers on a bit of paper. You can't take it with you.
this is what i tell myself
and when you go, the debt gets paid too, if its not been already 
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Ben
Banned
Registered: 12th Jan 03
Location: West Yorkshire
User status: Offline
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quote:
Originally posted by Ian
I find the moral highground a bit laughable when those same people are going to borrow money to buy a house but somehow that is OK.
I'm in debt for my flat which hopefully will appreciate and some cars and a bit of furniture which certainly won't.
Doesn't matter at the end of the day. Numbers on a bit of paper. You can't take it with you.
no but been in debt and worrying about whats going out every month and worrying if you aint aint earnt enough to pay for it .
makes me laugh when people say they own all these assets , yet if everything that they owe`d for got taken off them they would have sweet fuck all
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John
Member
Registered: 30th Jun 03
User status: Offline
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quote:
Originally posted by Ben
makes me laugh when people say they own all these assets , yet if everything that they owe`d for got taken off them they would have sweet fuck all
Thats the point I was trying to make Ben, not about everybody who owes money but the people who owe loads just to be flash.
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Ben
Banned
Registered: 12th Jan 03
Location: West Yorkshire
User status: Offline
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aint that 99% though?
they only get in debt in the first place because they cant afford it and want it .
whereas they dont own it , and they have a grabble on thier nackers by the loan company for the repayments .
some people are crazy
its worked well for me , id say i own a lot more than most people my age through hard work , i buy and sell a lot to get more money and everything i have bought i have payed outright
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Bennn
Member
Registered: 20th May 01
Location: was newcastle now Sweden
User status: Offline
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not all people are that fortunate.
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CorsAsh
Member
Registered: 19th Apr 02
Location: Munich
User status: Offline
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Guess what I'm saying is I've only owed money really for accommodation. Upgrading computer, gettin bits for car etc, I've only paid for when I've had the money to do so.
I know the point you're making Ben, I agree to a certain extent, I for one have never used, nor want to use my credit card, it's mors satisfying going out buying a set of alloys when you can think yeah, I've earned this rather than "my bank has actually paid for these".
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Ben
Banned
Registered: 12th Jan 03
Location: West Yorkshire
User status: Offline
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quote:
Originally posted by Bennn
not all people are that fortunate.
why? is it life or death getting a set of wheels , or a car , or a sofa ect?
No
I get the same as the people with loans just it takes me longer as i have to save
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M2RTY
Member
Registered: 25th May 01
User status: Offline
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left uni in may with minus 1400 quid, got a job the following monday (spent my last 100 quid on a suit for the interview) and worked 70+ hours a week to clear my overdraft and start saving up
sold my corsa for 3400, bought an astra 1.4 run about, laptop, new Pc, tv etc and have 13k in the bank saved up 
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chris-sri
Member
Registered: 3rd Apr 05
User status: Offline
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Just one of those things. I've learned my lesson the hard way but it won't be forever. Ben fair play for not falling into the trap.
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Bennn
Member
Registered: 20th May 01
Location: was newcastle now Sweden
User status: Offline
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quote:
Originally posted by Ben
quote:
Originally posted by Bennn
not all people are that fortunate.
why? is it life or death getting a set of wheels , or a car , or a sofa ect?
No
I get the same as the people with loans just it takes me longer as i have to save
for material stuff fair enough, I thought you were just generalising about people who were in debt.
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