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> Are you in Debt? Or are you a Spend-a-holic
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On 2008-02-07 01:52:37, Merc_Man wrote:
Yep watched it, Manchester is the the most in debt city. Crazy!!
Every citys in debt,
I don't get how people can abuse money like that btw!
when it comes to bills they come first and leisure last!!!!
that program was a good watch btw,
sad at the end when the family left there home but what can I say!
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Posted: 2008-02-07 16:02:14
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I am a Spendo-holic, i will spend 50-60% my salary on the First week itself - then starts the Hard time (using a lot of Credit cards, ABN AMRO bites my A$$ every month).
On the last week , i will think , "from Next month i will change and spend my money wisely", but that never happens
BTW This is my First job ever in life, and its the second year in office, is that the problem. i need some advise from you Miss UK
BTW, now its the first week of Feb, and its the first weekend lol
[ This Message was edited by: rishone on 2008-02-07 15:25 ]
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Posted: 2008-02-07 16:23:06
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Well what I can suggest is open a ISA and have some cash go into it over the weeks so then your saving for a rainy day
try and only buy stuff you really need not stuff for the fun of it!
try and have a minimal amount of Direct debits going out cos when you have a phone contract that seems to eat a lot of cash per month!
Try and repay more on the min payment for your cards,
cos it takes agaes to pay them off
read this and do wisely you will be fine
do you live with parents?
as this is often the cause of overspending for most people they have it easy at home bills are low and everything works out cheap
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Posted: 2008-02-11 17:45:30
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You training to be a debt manager there Miss Uk, some great advise going out there.
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Posted: 2008-02-11 18:00:25
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Unfortuantley this was what happened to myself until I got a big reality shock last year lol
ive just learn't thru a life of riley to sheer hell atm,
maybe I should seek a Job in solving other peoples debts for them,
I don't like seeing people do what I used to do back then
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Posted: 2008-02-11 18:05:41
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I'm sure most of us have been there at one time in life, I know I have for sure.
Dont even hold a credit card now, and haven't done for 5 years.
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Posted: 2008-02-11 19:07:10
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If u have a credit card just think of it as not ur money then that way ur unlikely to use it alot! Ive used upto £1000 on mine Lloyds Tsb one had it cancelled after i'd finished paying it of, took out a lower rate card with Mbna and only used £480 on it which im quite tempted to get it quick of my chest lol.. Btw dont think u live easy as something always catches up with u inda end!
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Posted: 2008-02-11 20:40:00
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Some of the things are not worthy to be bought on cash and for that reason I am always on debts. Im used to overspending, but at least I spend than waste.
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Posted: 2008-02-12 06:41:00
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im a student have no job but have a £7000 limit on my credit card lol not sure why they give me that but i have been careful and only spend what i can afford.
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Posted: 2008-02-12 13:42:49
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They give you that to get money outta you or atleast
hope you get into debt !
if your careful only use it for something you must have,
but remember it's not your money it's the banks or credit card company your with
Lloyds TSB keep offering me Loans even though im not in fulltime work present bad eh
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Posted: 2008-02-13 13:25:29
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