How on earth do you manage that?

calleyw

Willsnarf1983 wrote:

the vast majority of people that are fat are fat coz they stuffed their faces stupid, i will grant u that some people have a medical condition but i am always dubious of people that claim that. Also i suspect that the vast majority of people that are in debt is down to being frivilous (again i know not everyone) but even ur situation is still a prime example of silly spending as like u know now u shud have saved money for such an occasion.

I am not even going to reply to your offensive remarks about fat people.

I beg your pardon. So fixing my car so I get to work and putting it on a credit card is silly spending when I was in first job earning about £800 a month and having to run a car and pay half a mortgage and bills.

I must have missed something there then. If I can't get to work then how I am suppose to earn money to be able to pay for transport. And if I can't afford to not put it on the card. How was I suppose to be able to afford to pay for a monthly bus pass. Let alone a mortgage.

Your judgement of my spending as being silly just amazes me. No transport means no job. No job means no money. And no money to put towards saving or paying my credit card off. I don't put repairing a car in the same class as plasma tv's or clothes etc.

Of course at the age 23 I should of course have saved thousands of pounds. Oh what a perfect world you must live in.

Let alone people on min wage who are just about making it so can't afford to save. What are they suppose to do when the car or washing machine blows up. Of course tough they just have to do with out.

You seem to have a very rosey view of life and debt and even people in general.

But as I said before we will agree to disagree about what you and me both think.

I would just love to live in you perfect rose tinted world. I assume that you have thousands stashed away then.

Because I know have :j

Yours


Calley

calleyw

---lee--- wrote:

Never fear, the FSA is so concerned about this, they have produced a helpful webpage with step by step instructions - honest:

http://www.fsa.gov.uk/consumer/02_HOW/Banking/cheque.html

Unfortunately, it does not mention what Emma had for her meal or quite how she managed to order it all by herself.

Shame the internet did not have this sort of info when back in 1993 when I opened my current account.

At least it is a start.


Yours


Calley

Willsnarf1983

calleyw wrote:

I am not even going to reply to your offensive remarks about fat people.

I beg your pardon. So fixing my car so I get to work and putting it on a credit card is silly spending when I was in first job earning about £800 a month and having to run a car and pay half a mortgage and bills.

I must have missed something there then. If I can't get to work then how I am suppose to earn money to be able to pay for transport. And if I can't afford to not put it on the card. How was I suppose to be able to afford to pay for a monthly bus pass. Let alone a mortgage.

Your judgement of my spending as being silly just amazes me. No transport means no job. No job means no money. And no money to put towards saving or paying my credit card off. I don't put repairing a car in the same class as plasma tv's or clothes etc.

Of course at the age 23 I should of course have saved thousands of pounds. Oh what a perfect world you must live in.

Let alone people on min wage who are just about making it so can't afford to save. What are they suppose to do when the car or washing machine blows up. Of course tough they just have to do with out.

You seem to have a very rosey view of life and debt and even people in general.

But as I said before we will agree to disagree about what you and me both think.

I would just love to live in you perfect rose tinted world. I assume that you have thousands stashed away then.

Because I know have :j

Yours


Calley

firstly i feel i am justified in what i write coz i was over 19stone 10 months ago and techincally i am still fat and am over 14st, also i am a regular on the weightwatchers board and thru observation i have come up with my view so my response was not rude but truthful.

Secondly my pt about ur silly spending is true but i didn't lay it out correctly, if u had saved urself a pot up for emergancies then u wud have not have to put the repairs on the card but no doubt from living life the way you did that was the last thing on ur mind.

Thirdly don't get all emotive on the matter, what we write should be a matter of fact and not down to emotions. If you actaully look at my profile i am in DEBT, so none of them thousends u imagined and yes it was by myself being a dumb git with my spending.

Will

tomstickland

Please calm down all.
I personally had a debt because of my own lack of attention to what I was doing. ie: I (me, personally) acted stupidly.
I (me, personally) sorted my debt situation myself via basic logic and common sense, years before I found MSE.

I'm not judgemental about other people's debt. I might think that they behaved stupidly in the past, but I want to help others move out of debt, just like I did. Moving on is the key. But, please, don't become defensive or be easily offended about your own debts.

I've read countless threads in this forum where people are working really hard to shift debt. In all cases, they have taken responsibility for their situation and are determined to clear it. The cause of the situation might have been avoidable, but that's too late now.

ffs

If you overspend by just one pound per day the effect of compound interest is that you will have a five figure debt within ten years.

http://forums.moneysavingexpert.com/showthread.html?t=74487

Quasar

I am a fat moo because for years I have suffed my face stupid. I don't mind people saying it because it's the truth and I don't need to be shielded from the truth. I need to hear it.

If only I had the same willpower with food that I have with managing my finances...

We all need to hear the truth when it's about a situation we could have done something about. The fact is that many people spend, spend, spend on trivia then seek to justify their debt and/or try going bankrupt because they don't think of the consequences, just as they did not think about them when they were spending, spending, spending.

Please note that I said "many people spend, spend, spend". I did not say everybody. There are those who are in debt through no fault of their own and they have my sincere sympathy.

Those who are in debt because of recklessness are just like me who has overeaten recklessly. No excuses. No mollycoddling, and no do-gooding PC. A kick up our jacksey is what we need, and this kick is the truth. Excusing us doesn't help us any.

ffs

I stopped smoking about ten years ago because of Allen Carr (thank you thank you thank you), try reading his Easyweigh book, it was a revelation to me.

Lydia.42

Some of my debt has been due to recklessness, some due to bad planning and no savings when an emergency hit, but most is due to having an eating disorder. I know that to begin sorting my finances i need to sort this as well. The need to eat is more powerful than any desire not to spend what i don't have.

I don't want sympathy, but if i logged onto a site for advice on Bulimia i wouldn't expect someone to slag me off.......some advice/guidance would be nice.

I think Calleyw is saying that people get enough stick admitting they have made a mistake/need help without a complete stranger judging them. Just knowing you aren't alone helps!!!!

surfcat

Lydia.42 wrote:

I think Calleyw is saying that people get enough stick admitting they have made a mistake/need help without a complete stranger judging them. Just knowing you aren't alone helps!!!!

I base my earlier point and views on this on my observations. My observations of people now in debt is that for years and years they were the ones saying to me,

"why don't you enjoy yourself and spend some money?"

"why don't you buy cds any more?"

"why do you walk into town?"

"go on just one more drink"

"why do you go round the house turning the lights off?"

"why haven't you got an ipod yet?"

Now that they are in debt they expect sympathy and even to borrow money. Tough !!!!!!.

in*the*red_6

People who post on this forum aren't here for sympathy. They're here for mutual support and guidance. DFW means we're determined to pay back what we owe and not to fall into the borrowing trap again.