This forum is not hardcore enough!

quintwins

I have to say i think some of the advice on here is very good, and i think the best lesson you can learn off this site is living within your means. However me and my hubby are of the if you don't have the money in your hand you can't afford it school of though (not including mortgages ofcourse, altho saying that we do hope to save to buy a plot then save to build without ever needing a loan but thats not for everyone)

You just never know whats around the corner what is managable debt now many not be in a year or to, there are alot of factors like job lose, interest rates, kids.... i like the fact that the only money we ever have to pay out is out bills and hope it lasts a very longtime, we are classed as a low income family however we don't do without while we're savings and much of that is thanks to this site.

Former_MSE_Andrea

Hi everyone

By all means discuss the pros and cons of MoneySaving but can you please do it nicely? There's no need to resort to name calling.

Thanks

ILW

MSE_Andrea wrote: »

Hi everyone

By all means discuss the pros and cons of MoneySaving but can you please do it nicely? There's no need to resort to name calling.

Thanks

!!!!!...........

andymc29

That's the whole problem really then isn't it? We're all too soft to tell people what we really think of their behaviour with their money. I'm out of here.

It's been good, but the general level of immaturity on these boards has just grated me that bit too far and it reads more like the comments section on a Daily Mail article every day.

Jamie_Carter

Hooloovoo wrote: »

While certainly a cheaper loan would save money, no loan at all would save even more. Isn't the aim of the site to save as much money as possible?

I know that, and you know that. But sometimes people have no choice but to get a loan. And they will ask advice on the cheapest loan to get, thus saving money, which is what this site is all about.

We could all save money if we produced all of our own food, walked everywhere, and dressed in old hessian sacks. But we are in the real world, where people do occasionally need loans. So don't criticise them for asking advice on how to save money with the best loan for them.

Jamie_Carter

Hooloovoo wrote: »

While certainly a cheaper loan would save money, no loan at all would save even more. Isn't the aim of the site to save as much money as possible?

No. It isn't called "savingasmuchmoneyaspossible.com".

seriousDFW

andymc29 wrote: »

That's the whole problem really then isn't it? We're all too soft to tell people what we really think of their behaviour with their money. I'm out of here.

It's been good, but the general level of immaturity on these boards has just grated me that bit too far and it reads more like the comments section on a Daily Mail article every day.

Goodbye. We'll miss you.

Jamie_Carter

MiddyMum wrote: »

You shouldn't have taken out the loans in the first place....hmm

And maybe we should live on bread and water to save money.

CTA_2

MiddyMum wrote: »

You shouldn't have taken out the loans in the first place....hmm

Why not? I have a manageable level of debt and my income allows me to make payments on my debt!

andymc29

Why not? I have a manageable level of debt and my income allows me to make payments on my debt!

Wouldn't you prefer to have no debt, and get to keep all your income????