Budgeting Service?

dreaming

I am disappointed at the sarcastic nature of the replies this poster has received after her update. Although in her previous posts I felt she was being a little defensive to the suggestions made I could also see that she was extremely worried about things and I know how that can make people react to well-meaning advice.
Considering the amount of debt that the OP had/has, £52 a year is probably money well spent if it helps her get back on her feet, and I hope she also learns the budgeting skills so that she can dispense with it in future.
I wish her every success.

AngelPie78

dreaming wrote: »

I am disappointed at the sarcastic nature of the replies this poster has received after her update. Although in her previous posts I felt she was being a little defensive to the suggestions made I could also see that she was extremely worried about things and I know how that can make people react to well-meaning advice.
Considering the amount of debt that the OP had/has, £52 a year is probably money well spent if it helps her get back on her feet, and I hope she also learns the budgeting skills so that she can dispense with it in future.
I wish her every success.

Thank you so much for your reply and 'm glad that you can see the posts that have made me upset. I am currently "wasting" loads more than £52+ per week and figured that this solution in the short term will enable me to save much more in the long term and get into some good habits. That's the way I'm going.

Unfortunately, I don't have a magic switch in my brain that suddenly stops me from being who I am and making me into someone better but this is probably the first step in the right direction.

I wish I could delete posts that have no benefit to the original problem and actually just make matters worse but your post is lovely. Thanks x

AngelPie78

Pepperoni wrote: »

Errrm. I'm not sure why I would want to support or encourage someone to 'waste' £52+ a year. I'm sure once you have your finances underwraps you will also look back and realise it was a waste of money. If its working for you and going to get you back on the straight and narrow then fair play, each to their own.

Haha 20 years on from a lot of my debt and I'm struggling to see how a lot of that was a waste of money. You clearly have no intention of helping and have no idea what it's like to be me and in my situation.

Why bother posting? Just because you want to be smug. Join the queue lol

matttye

No such thing as can't in this instance.

You say you can't budget - sure you can, just don't spend money on things you don't need unless you have a surplus of funds after paying out for everything you need.

That might be over-simplifying it but that's essentially what budgeting is.

TrustyOven

dreaming wrote: »

I am disappointed at the sarcastic nature of the replies this poster has received after her update.

I don't read them as being sarcastic.
I do read the OP's posts as being sarcastic and combative (as someone else pointed out).

AngelPie78 wrote: »

I LOVE the fact that you have SO many encouraging and supportive words for me - I am SO glad I come onto this board for "help" pmsl...

You are capitalising these words to make it out that you are being sarcastic.

Why are you "pmsl"?? That just seems rude. That's something one might say when taunting someone.

From a purely money-saving perspective, paying someone 50 odd quid a year to run your finances seems a waste of money if it's something you can do for yourself (maybe you cant, and that's fair enough). I think that's the point that was being raised. That's all. There's no need to start "pmsl" or being sarcastic.

If you think that money and that service is ok, then that's fair play, just like Pepperoni wrote. But you reply to them with:

AngelPie78 wrote:

Why bother posting? Just because you want to be smug. Join the queue lol

Why the "lol"?
Why do you think that person is smug? What reason do you have to say that?

Anyway, I wish you continued luck in your battle against debt.

innovate

AngelPie78 wrote: »

Why bother posting? Just because you want to be smug. Join the queue lol

The smug one here is you. Can't see many people who would like to be in a Q with you.

As you posted somewhere, you say you have a net income of some £27K a year. Lots of families get by without the drama you are making on a lot less, and without paying anyone else a penny to help them with their budgeting.

Your blustering whenever anyone "dares" telling you that you yourself are your major problem isn't going to help you. Unless you are making very serious changes about how you manage your money yourself, and how you think about your personal finances, you will never get out of the trouble you are in.

I encourage you to not post another rant with upper case shouting and insults to people who have tried to help you with constructive proposals. Use the aggressive energy you display in your posts to have a regular go at yourself.

By all means, use the help of the MSE debt free wannabe board to get on top of your debts and to sort out your financial future but please stop trying to convince yourself you are making progress by paying somebody £52 a year to keep your head in the sand. You also don't have to convince anybody else here on MSE that the £52 deal you outlined is what it takes to assume control because nobody will believe you that it will make any fundamental difference to how you will go about your finances.

I genuinely wish you a serious lightbulb moment, not least for the sake of your children.

AngelPie78

Yes I was being sarcastic - I've been sarcastic all the way through, as soon as I realised that most comments here were not meant to be helpful in anyway. However, it wasn't me who said the replies were saracstic - lol <<< sarcastic again!! Heaven forbid << more sarcasm

AngelPie78

I'm not trying to CONVINCE anyone of ANYTHING...People don't need to post on here, people don't need to read anything I've written.

I can chose to read other people's sarcastic and nasty posts as I see fit and other people can read what they want from mine lol. I really don't give a monkeys.

If I chose to lay into people who have a go at me - no matter how they decide to dress it up - and they chose to have a go back, then who cares??

Some people really have too much time on their hands lol.

And yes, I genuinely think this whole thread is a joke now. It's been turned into a joke by people taking their "advice" a little too far and probably not getting out of the house enough. I made the stupid mistake of coming on here for help and being by my usual honest self - I won't be doing that again in a hurry.

If anything, that's the biggest lesson I've learned on here lol. <<<again, laughing...

AngelPie78

Oh, I've just realised you're the great Innovate! Should I bow down at your royal feet because you have chosen to come and talk to me on my little thread...? I thought I was too much below you and your Royal Smugness and you were going to ignore me...? Can't resist a good argument, eh? lol...

Also, another lesson I've learned is that people LOVE to take bits of people's sentences and use them against said person and mostly out of context...interesting...?

littledjb

AngelPie78 posted this forum for people to HELP her and all I have seen from this is people being vile and nasty. Nobody is giving her the help she needs. "You say you can't budget - sure you can, just don't spend money on things you don't need" as you can see, this doesn't help her at all. We all have things we struggle with like I struggle with motivation, she struggles with money.

Obviously you're all old enough to know that you're being vile. It's childish and you either need to leave or give her the help she needs.