What is the real world ?

tomterm8

Rictina wrote: »

Can someone tell me "what is the real world" ?
Rictina.

I think if you go to stoke on trent, turn right, then left, then straight on for a thousand miles, it's next to the pub. I'm told some of the people that live there are pillocks, but I couldn't possibly comment.

McKneff

startagain wrote: »

Does this mean that in your eyes anyone that takes out credit.... i.e incurs a debt "can't afford it"?

Peoples circumstances change and while one day they may be able to afford their lifestyle this may not be the case when things out of their control change, which is why a lot of us become BR.

SA

To your first sentence, istn that why any of us take credit? If you can afford it why take out credit and pay interest - free money for someone else.


To your second sentence i totally agree with you, when i rereadthe OP's post he did say he had given personal guarantees to the company which presumably had a lot to do with it.

to Rictina who asks why i am here, well because a personal friend of mine is in the same situation or just about to go through it and i wanted to give her some moral support.

Rictina says he has adjusted to his new lifestyle and indeed says he is happy with his little lot, I like the positivity (if thats the correct word)
and i can now see a light at the end of the tunnel for her.
I sincerely wish you all well,
Annie

tomterm8

People take credit for a number of reasons. The OP appears to have been a business person. It's quite usual for business people to take out credit as a chashflow tool. If you get a large order with a guaranteed profit, you'd be a fool not to take out a loan if you didn't have the capital to do the deal.

Rictina

Hi anniehanlon.

I wish your pal all the best.

Regards.

Rictina.

Rictina

tomterm8 wrote: »

People take credit for a number of reasons. The OP appears to have been a business person. It's quite usual for business people to take out credit as a chashflow tool. If you get a large order with a guaranteed profit, you'd be a fool not to take out a loan if you didn't have the capital to do the deal.

Thank you tomterm8, well said.

Rictina

eklynne

To me personally, the 'real world' is a world where big businesses and banks aren't hounding you every day for a debt that they helped you get into, with little regard to the fact that they are being careless each and every day with millions of pounds that don't even belong to them.
Wake up people and realise that the vast majority of bankrupts are only taking advantage of legislation specifically set up to help people in financial trouble.

Bethankim

Hiya,

Glad you found this little corner of MSE, it is friendly place and in my short time here i never seen or received anything but support and positivity.

I do think many havent a clue about what is the real world, I worked as a community development worker in some of the poorest communities, I've worked with people terrified of the debt collector etc, but also in those communities ive seen some real strength of character.
Im no better nor worse than many i worked with, the difference is i am better educated and have options, I was in a good job until a car crash blew it all away.

A year on - I am 3 weeks away from Bankruptcy, and in another year i will have taken another step forward. I still have my skills and knowledge and everything that is good - I just happen to be BR - I think any who judge see only the BR rather than the human being.

I sincerly hope that after the credit crunch has taken it toll, we move away from some of the nnsense that got us here..so real world id rather have that than cloud cuckoo land some people live in.

Lol oops sorry didnt mean to get on my soap box.:D

MercMan

Well I'm almost BR. My attitude to the world and those who think I'm below contempt etc is simple. Fcuk 'em! I'll be debt free in 12 months while they are still trying to pay off the credit cards etc.

startagain_2

MercMan wrote: »

Well I'm almost BR. My attitude to the world and those who think I'm below contempt etc is simple. Fcuk 'em! I'll be debt free in 12 months while they are still trying to pay off the credit cards etc.

Crikey, wouldn't like to get on the wrong side of you ......

Hope you had a good day MM

SA

nervousmother

Some people on the other boards or indeed this one from time to time are below contempt. I have had a few encounters especially when I was trying to offer support to a lass who was going to be left with a 55k debt as northern rock had sold her house cheap.
A warm human would offer support, someone below contempt would make her feel worse and indeed incourage suicide. The people on these BR boards are the warmest people I have met in a long while, We have all found ourselves in horrible positions for different reasons, sometimes not our fault and have chosen to get out of it. Ok our choice is not for everyone, but that is the point it is our choice. We have a choice. BR is not illegal.
Just remember what 'the real world' is really like. Full of people who build you up in order to push you from a great height.
Full of people who think they are better than everyone else. But I bet if looked into the background they would be guilty of some kind of theft, or getting out of agreements they should have stuck to.
Full of people who do not like to see anyone else succeed, and of course when it goes wrong will laugh for weeks.. all because they did not have the B*lls to try.