28 years old and bankrupt

skintchick

westernpromise wrote:

I've got one from the same set where the Hoff has his leather jacket on as well as his leather pouch. So you are spared the sight of his manly nipples. Would you prefer that one?

*shudders*

dudleyboy

It's the Hoff?? Good God i thought it was a young Rory McGrath for a moment there. Not much better, tho, I grant you

skintchick

*puts fingers in ears*

La! la! la! I can;t hear you!!!

Bunnyinthelights

Spending addiction" didn't exist until about 10 years ago. It was invented to make feckless, irresponsible people feel better about being feckless and irresponsible.


http://observer.guardian.co.uk/magazine/story/0,,1702208,00.html

I beg to differ Western.
Using money in order to create an artificial 'high' is an addiction and it's been around for centuries. (think about gambling!)

I never realized there were so many perfect people in this world before I started reading this forum-I find it rather amazing that you can get such support, and such blatant hostility in one place-I think it just proves my point that money is highly emotive.

Bunny

climbgirl

It's not about being 'perfect' people or being openly hostile (well, maybe some posts are!). But I do think people need to be a bit more careful about how they post and the advice they give - it's all very well being supportive, but when you read a post that gives what is blatantly bad advice along with virtual 'hugs' and then read in the signature of the poster that they're tens of thousands in debt and going bankrupt, then perhaps they're not the best person to be giving out advice...

I don't want to start pointing fingers here, and I don't mean to be deliberately harsh, that's not my intention. But I have to agree with dudleyboy about this article, he puts it very eloquently (if not all that succinctly!). I get really tired of reading about people racking up massive debts, having their 'lightbulb moment' when they're about to lose everything and having every excuse under the sun or blaming the banks. 'Liz' needs to take a bit more responsibility for her actions - as one poster pointed out, taking out huge debts you have no means to repay could actually be termed as fraud.

westernpromise

Bunnyinthelights wrote:

Spending addiction" didn't exist until about 10 years ago. It was invented to make feckless, irresponsible people feel better about being feckless and irresponsible.


http://observer.guardian.co.uk/magazine/story/0,,1702208,00.html

I beg to differ Western.
Using money in order to create an artificial 'high' is an addiction and it's been around for centuries. (think about gambling!)

I never realized there were so many perfect people in this world before I started reading this forum-I find it rather amazing that you can get such support, and such blatant hostility in one place-I think it just proves my point that money is highly emotive.

Bunny

Gambling addicts are usually addicted to the unlikely prospect of winning huge amounts of money, which is not compulsive behaviour at all; it's just irrational and gambling simply amounts to an elective tax on innumeracy.

If you believe that taking out credit cards and using them to buy consumer goods you cannot afford - then running away from the debt while arguing that it's your victims' fault for lending you the money- are understandable behaviour, then you are extremely charitable.

The actor Michael Douglas claims to be a sex addict. Is that a genuine addiction too or is he, as I (and probably many women) would argue, just a weak and selfish little man who hasn't got the backbone or respect to lay off other women while married to somebody?

Such people are not ill. They just have a ghastly personality, like people who are lazy.

westernpromise

.....oops!

westernpromise

skintchick wrote:

*shudders*

Here you go:-
http://uplink.space.com/attachments/228011-david_hasselhoff_RED.jpg

Fantastic! The man who brought down the Berlin Wall!
http://www.lovethehoff.com/lovethehoff/lovethehoff.php/2006/02/14/p1628

"Hasselhoff said in 1989, the year the wall fell, he had helped reunite the country by singing his song 'Looking for Freedom' among millions of German fans at the Brandenburg Gate in Berlin. He said: "I find it a bit sad that there is no photo of me hanging on the walls in the Berlin Museum at Check-Point Charlie. After my appearance I hacked away at pieces of the wall that had the black, red and yellow colours of the German flag on it. I kept the big piece for myself and gave the smaller pieces to colleagues at Baywatch."

slash40

after reading through this thread i get the overwhelming feeling that most of you believe bankrupts are all reckless overspenders with no intention of paying back what they owe. whilst i agree there are some like that there is an awful lot of people who go bankrupt as a last resort.
i am one myself. we moved from a relatively high income area to a low one, due to the shortage and expensiveness of housing. i immediatly took a large reduction in wages along with my partner. became almost immediatly pregnant with my 2nd child therefore cutting my income again. over the years took a couple of consolidation loans - always had good credit to the end - owing more and more. consulted a debt help company but they couldnt help due to a negative balance on my income/ expenditure, despite using the minimum financial criteria.
i pinched and scraped for years. dont get new clothes, haircuts or holidays, kids do without, cheap food etc etc. i increased my income so did the debt. stopped paying certain bills . made me depressed and sick with worry
the final straw came when the bailiifs conned themselves into my house and bullied me out of my food money for the month.
i rang the courts and went b the next week. although its not been easy (im still b) with a bit of careful planning i now manage to pay all the bills, food etc. no luxuries as yet but when im discharged will be able to work more hours without fear of getting an ipa.
its a pity the ?bbc didn`t speak to someone who became bankrupt for unavoidable reasons and not reckless spending, then maybe you would not have been so harsh.

Bunnyinthelights

Perhaps I am too charitable.
My point throughout all of this is: I agree with Dudley-I've said that all along, I agree with Climbgirl re. bad advice BUT where I differ is that I don't think you need to resort to name calling.