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  • FIRST POST
    • Sillychuckie
    • By Sillychuckie 14th Sep 18, 10:53 PM
    • 1,135Posts
    • 273Thanks
    Sillychuckie
    Happy Birthday - Have a 'taste of some debt'!
    • #1
    • 14th Sep 18, 10:53 PM
    Happy Birthday - Have a 'taste of some debt'! 14th Sep 18 at 10:53 PM
    My Mrs saw this birthday card on our local high street in a fairly well established greeting card shop (I'll mention no names).
    She has, in my opinion, fairly bad taste, so bought it and wrote it for a nephew.
    Frankly, I think its a pretty awful card and it seems really odd to link the celebration of someones birthday with the fact they are now old enough to get some debt.

    Perhaps this post should be moved to a more general discussion forum, but I thought others might be interested to see it.
    Maybe I'm being a bore... but I doubt Martin Lewis would like it.

    Feel free to discuss...

    Card Outside: https://ibb.co/fuBmEp


    Card Inside: https://ibb.co/idma79


    SC
Page 1
    • datlex
    • By datlex 15th Sep 18, 10:47 AM
    • 1,907 Posts
    • 2,072 Thanks
    datlex
    • #2
    • 15th Sep 18, 10:47 AM
    • #2
    • 15th Sep 18, 10:47 AM
    I think it is worrying that it lists credit cards and loans. Then mentions debts. May be if those cards were sent to all 20 year olds it might make them think though.
    • sourcrates
    • By sourcrates 15th Sep 18, 12:44 PM
    • 16,160 Posts
    • 15,282 Thanks
    sourcrates
    • #3
    • 15th Sep 18, 12:44 PM
    • #3
    • 15th Sep 18, 12:44 PM
    Thing is, this is the reality nowadays, how many 20 somethings post on the credit card and credit file boards asking if they should increase there card liability in order to "improve there credit score".


    I cringe whenever i read such posts, the CRA`s have done such a good brain washing job on the young, its unreal, the whole credit bubble thing is so far gone nowadays, everyone is obsessed with credit scores.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly". I have extensive experience of debt, and itís solutions, as well as the collection industry in general.

    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    • zippygeorgeandben
    • By zippygeorgeandben 15th Sep 18, 5:33 PM
    • 959 Posts
    • 1,318 Thanks
    zippygeorgeandben
    • #4
    • 15th Sep 18, 5:33 PM
    • #4
    • 15th Sep 18, 5:33 PM
    I think the reason people are obsessed by scores is that it's a black and white answer they can compare against.
    Savings End November 2018 £2267.13
    September 2018 £986.09
    October 2018 £1254.04
    November 2018 £27.00
    December 2018
    January 2019
    • Mobeer
    • By Mobeer 15th Sep 18, 6:50 PM
    • 1,756 Posts
    • 4,425 Thanks
    Mobeer
    • #5
    • 15th Sep 18, 6:50 PM
    • #5
    • 15th Sep 18, 6:50 PM
    In some ways the card text looks like a sensible warning message - pointing out that a new car or new credit card can lead to debt.
    • jimbo747
    • By jimbo747 15th Sep 18, 8:02 PM
    • 589 Posts
    • 1,594 Thanks
    jimbo747
    • #6
    • 15th Sep 18, 8:02 PM
    • #6
    • 15th Sep 18, 8:02 PM
    I've started teaching my kids about debt from a young age. My 6 year old gets £1/ pocket money a week, if she sees something she wants but doesn't have enough she can borrow up to £2 more, but next month has to double back. Wonga ain't got nuthin on me. She's learning!
    • Ergates
    • By Ergates 16th Sep 18, 1:48 AM
    • 314 Posts
    • 439 Thanks
    Ergates
    • #7
    • 16th Sep 18, 1:48 AM
    • #7
    • 16th Sep 18, 1:48 AM
    Is that really any different from all the many cards that make reference to down sides of getting old?
    • gemini12
    • By gemini12 16th Sep 18, 8:21 AM
    • 358 Posts
    • 2,264 Thanks
    gemini12
    • #8
    • 16th Sep 18, 8:21 AM
    • #8
    • 16th Sep 18, 8:21 AM
    My daughter once asked for an expensive jumper which I said she would have to pay for but I would lend her the money. Result she had no money at all during the summer holidays. She never did that again.
    Make £10 a day challenge May. 81.40/310
    Total for 2013 £858.85/1060
    • fatbelly
    • By fatbelly 16th Sep 18, 8:30 AM
    • 13,227 Posts
    • 10,285 Thanks
    fatbelly
    • #9
    • 16th Sep 18, 8:30 AM
    • #9
    • 16th Sep 18, 8:30 AM
    As a paid debt adviser, I'll just chip in to say that I have clients who are aged 18 and 19
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