Fed up of the bragging

Kentish_Dave

just_trying wrote: »

Standard debt! Each to there own. Your the one who said there in a ton of debt and still go on holidays. Doesn't seem sensible to me. How can they afford to go away when there in debt having spent someone else's money.

In your anger your written English is really dropping away. It’s not clear at this point what you are trying to say, but whatever it is, you are doing it very badly.

Is it time to have a sleep, and try again in the morning?

LilElvis

just_trying wrote: »

Well if they need to get into debt then that's not good as your friends couldn't afford it. What would happen if one lost there job. They can't afford holidays if they're borrowing someone else's money.

You don't know their circumstances - they might choose to maintain their emergency funds in ISAs or interest bearing accounts whilst taking advantage of 0% credit cards to pay for holidays etc.

I run my current account at my full £3k fee free overdraft limit, but I have the funds in interest bearing accounts to cover it. I gain interest on an additional £3k p.a. by doing so. Very prudent.

Zero_Sum

So, apparently because i dont have the means to buy my house outright im living beyond my means.

Yet OP who's one an average salary (and does loads of OT to bump it up) says they cant afford a holiday & claims to be struggling isnt spending too much?

Can you not see the contradiction here 'just trying' ?

Kentish_Dave

I see now, reading the OP’s posts under his other name that all of his children are bleeding him dry and he’s blowing a lot of money on photography.

OP, if that’s your picture you are too old to be trolling. You should be ashamed, but of course, won’t be.

just_trying

Kentish_Dave wrote: »

In your anger your written English is really dropping away. It’s not clear at this point what you are trying to say, but whatever it is, you are doing it very badly.

Is it time to have a sleep, and try again in the morning?

Don't think so, if you read the thread you'd understand. Not just but inn at the end and not know.

Zero_Sum

LilElvis wrote: »

You don't know their circumstances - they might choose to maintain their emergency funds in ISAs or interest bearing accounts whilst taking advantage of 0% credit cards to pay for holidays etc.

I run my current account at my full £3k fee free overdraft limit, but I have the funds in interest bearing accounts to cover it. I gain interest on an additional £3k p.a. by doing so. Very prudent.

They dont.. theyre not the best at financial.management, but they get by and still can afford a few luxuries.

The OP is either exaggerating or not telling us the full story

just_trying

Zero_Sum wrote: »

But NI what?
What you're writing isnt English

And yes you can still pay a bit of NI, but its next to nowt really
But I fail to see what relavance this is to someone on £27k?

You not understand you've been told twice, national insurance. Your using the same quote as me!

Before making comments on what I write check out your own mistakes. Your post above is missing a apostrophe for a start smart !!!.

Zero_Sum

just_trying wrote: »

Not just but inn at the end and not know.

Im sure this makes sense in your head, but it just isnt English
You've just proven his point.

just_trying

Zero_Sum wrote: »

They dont.. theyre not the best at financial.management, but they get by and still can afford a few luxuries.

The OP is either exaggerating or not telling us the full story

Write in English.

They're in debt using someone else's money to maintain them, if one loses they job they're knackered. Understand that!

Zero_Sum

just_trying wrote: »

You not understand you've been told twice, national insurance. Your using the same quote as me!

Before making comments on what I write check out your own mistakes. Your post above is missing a apostrophe for a start smart !!!.

!!!!!!
Im well aware that NI means national insurance.
It was your quote "but NI" that didnt make any sense.