Who do you blame?

bathgatebuyer

Me probably, although things were exacerbated by being pushed into a set of circumstances I could never have foreseen. no amount of forward planning could have allowed for it. Add into that some completely useless PPI cover, and that's how I ended up completely in the s**t.

shinyhead

I think in the end I have to take the responsibility but how many others are out there with OH's who simply don't understand the meaning of being economical?

LilacPixie

I try and not blame anyone. Instead I focus on clearing these debts and moving forward.

I personally would rather look to the future rather than the past.

Cornball

Me. I have no idea why I thought spending £5k within a month (on holiday and something else-rather not say) was a reasonable thing to do! I've paid off £1800 since January but considering my salary I should have cleared it by now.

I'm taking it more seriously now: cutting back on lunches at work, no more £100 haircuts, budget grocery shopping, and just paying more attention in general.

I cannot wait to have that satisfaction of paying it off!!

BridgetJones_2

Cornball wrote: »

Me. I have no idea why I thought spending £5k within a month (on holiday and something else-rather not say) was a reasonable thing to do! I've paid off £1800 since January but considering my salary I should have cleared it by now.

I'm taking it more seriously now: cutting back on lunches at work, no more £100 haircuts, budget grocery shopping, and just paying more attention in general.

I cannot wait to have that satisfaction of paying it off!!

Exactly, I feel exactly the same way. No one to blame but myself, 100%.

At least we've all woken up now!

JES_F1

While sometimes I do "blame" the credit-card companies for making it far too easy because they kept increasing my credit limit - one card alone had a £10,000 limit - it's ultimately my fault. I could've not applied for another card, I could've contacted the company and got credit limits lowered, etc, etc ... but I didn't.

I'm not going to say that I won't ever have a credit card again but I do know that I've learnt my lesson so will be far more sensible in the future!

beanielou

MYself. :mad: :mad:

Nigella_2

A bit of both Banks and US!

Banks have slick marketing and easily available credit!!!

Banks like "Revolvers" (people that never quite pay off their credit cards etc.) which makes them loads of money!!!!

Banks aren't your friend they are there to make money!!!!

We are tempted by shopping malls / sales / advertising BUT you could pay double for items on credit!!!

top_drawer_2

hi,

I've just been thinking about a similar subject while ironing my work shirt...

I was thinking that although its my responsibilty, the feelings of wanting to spend was caused by a lack of things when I was a child; clothes mainly and stuff which helps me to look nice/feminine etc. Up until I was about 16/17 when I earned a decent amount in a part-time job did I have manage to have 2/3 smart casual outfits suitable for non-uniform days or college. I remember wearing casual trousers at weekend with a ruined zip with a long top for several months as I didnt have anything else to wear at the weekend... I used to dread non-uniform days and would never see people at the weekend unless I could help it.

My Mum and partner (which ever one it was at the time) drank/drink heavily and even now if I go home for a weekend I always make sure to have cans of food with me as I know the fridge will not be stocked and it will cost me a futune to go to the corner shop to get something which I can warm up for lunch/tea.

I also read a book awhile ago which covered a similar theme - A short History of Tractors in the Ukraine.

Jen

Mozette

There is only me to blame, I knew what I was doing, I spent it, I borrowed it, and beggar me, I an going to pay back every flipping penny of it.

Sick of all these 'this company says if I pay them £500 they'll wipe out my debts with a technicality'. Where's the self respect in that, and I would like to bet a fair few of them would be back with debts just as soon as they could run some more up. (if the whole thing was possible).

And yes, I had unforseen circumstances occur, but that's life. I certainly blame no one but myself. Nowadays, if I can't afford it I don't have it. Simple as that.