4m x 3m Omlet pen, cube, new auto door still boxed and coop light

[Guest]

Is it me?

 

Typical advertising slot nowdays seems to contain nothing but adverts for selling your gold and playing online bingo.

 

Oh and as for "Bright House" sponsoring Home & Away - their "advert" shows women wandering around the house and sitting about chatting and watching telly - is this what you should be doing when you cant afford to buy a washing machine without going for one at top dollar on a 29.9% APR weekly payment scheme?

 

It's not just the banks responsible for the mess we are in is it.

[jess]

Well it just goes in cycles sometimes its all accident lawyer adverts it just changes all the time they probably take it in turns.

[Egluntyne]

Oh and as for "Bright House" sponsoring Home & Away - their "advert" shows women wandering around the house and sitting about chatting and watching telly - is this what you should be doing when you cant afford to buy a washing machine without going for one at top dollar on a 29.9% APR weekly payment scheme?

 

Better that people who couldn't otherwise afford washing machines etc should turn to a company such as Bright House and its APR rate, than to the doorstep loan sharks and their 500% interest rates and all the threats and violence that go with them.

 

As for the people sitting around watching telly....are you saying that the less affluent shouldn't be allowed leisure time?

 

In any case, adverts rarely present a picture of real life, but of how the advertisers imagine would like it to be.

[Guest]

Better that they save up for a few weeks and go down to the second hand store - nice prices there and no APR! Or hit freecycle. People with little money used to manage by scrimping and saving - now they manage by "weekly payment".

 

Trust me I've had more than my fair share of dealing with those loan sharks - my husband was fond of them.

 

I just feel that the whole raft in one advert slot is irresponsible - first you hear about weekly payment, then sell your gold, then sign up to online bingo, then hey it's weekly payment again - so there was no need to use your "cash for gold" for something you NEED - so lets go sign up to online bingo!

[Egluntyne]

Better that they save up for a few weeks and go down to the second hand store - nice prices there and no APR! Or hit freecycle. People with little money used to manage by scrimping and saving - now they manage by "weekly payment".

 

Last time I looked, people were allowed to make their own minds up about these matters.

 

Weekly payment is nothing new, or particularly shameful. It used to be called Hire Purchase. Most of the catalogues operated on a weekly payment scheme in the early days, with 'agents' etc.

 

Not everyone has access to a computer and Freecycle.

 

For many the only way they can give their families a decent Christmas is to be part of a Christmas club, whereby they make weekly payments, admittedly in advance. No buying and selling on ebay to make a profit for the majority of folk.

[Space Chick]

I agree Egluntyne, I was brought up by parents that struggled financial through no fault of their own (decline of manufacturing industry in South Wales) for many years.

 

My Mum ran a catalogue, and budgeted week to week, and I remember getting our first colour TV from the second hand shop and being very excited.

 

Even though I am more fortunate as an adult (as my parents worked hard to ensure that I had a university education so I could get a good job), I still have monthly Christmas savings, and budget. The lessons my parents taught me stood me in good stead for my adult life.

[Guest]

I absolutely agree with both of you.

 

I just think the way we are getting these clusters of adverts is very irresponsible and misleading to some sections of society. We are living in a shamefull throwaway society - I spend all day with the spoiled consumerist children of middle class people who probably do get into debt to pay for everything - yet still don't say no!

 

Christmas clubs are very admirable and catalogues, although overpriced, didn't used to deal in massive APR's, many people would also "run" a catalogue to make a bit of money.

 

Everybody DOES have access to a computer - they have them in the local "library" - a place where computers now come before books (but don't get me started on that one)

 

I've lived with someone who was fooled into believing this was all there for him to take, started with credit cards and ended up with loan sharks.

 

This cash for gold thing is the strangest of all - pawnbrokers have always been an option, then along came cash convertors and now its "sell your gold" - there are party plans for it and the barbers in the VERY affulent high street even has "buying gold today" signs up and the last time I took James in he was trying to encourage me to sell him all my old jewellery!

 

I think it's a very sad state of affairs when there are so many of these adverts on the telly - we are in financial straights the spending needs to stop but instead we are seeing people throwing wadges of cash in the air and then more adverts promising them some "free money" if they sign up for online gambling.

 

Oh yes I'm lucky enough to be "well off" but working hard doing a job I hate which has me in tears daily at the moment, I'm also sitting here freezing because I won't put the heating on - which is not really my green stance - I can't afford the oil for more than one month of the winter. To pay for Christmas I'm making gift baskets to sell and putting some more old junk on Ebay - if I get the time to spend hours photographing and writing descriptions for a few quid. Not to mention spending my weekends lugging 60kilo weights and sandbags around for some spending money. If my washing machine broke I couldn't afford a new one, it would be a plea on freecycle or a secondhand one.

[Paddy]

As a country we are learning. Last year more was paid off mortgage payments and personal debt than any previous years.

 

I remember to when I was 21 and had just graduated. I had a credit card debt of about £300 and I went abroad for a year thinking in my absence it would just disappear. On my return, within weeks I had the bailiffs around. They were exceptionally nice (when my tears started!) and explained that if i were to treat this as a life experience then i could change it into a postive. I did and consequently managed my money after this - but then again I am fortunate to have been in work fairly consistently for 20 years and my work has adapted to fit arounbd bringing up my children.

[Redwing]

I'm sorry Penguinmad but if you are spending your Christmas holiday on a cruise I fail to see how you have to try to fnd ways to 'pay for Christmas'

 

Personally I don't see why paying for something weekly is so shameful, its the norm in many parts of the UK, its not my cup of tea but I have been very poor and the system does seem to work when you have few other options, the problems come when you have so many things to pay weekly you cant keep on top of it but thats about self control not necessity

 

Freecycle is good but you have to fnd a way to transport the item and who is to say that t will work, I am sure there are plenty who use Freecycle as a way of offloading non working items

 

I oten joke that I am totally skint but realistiically I know that I am extremely lucky and blessed therefore dont feel the need to project on to those who cannot afford some simple pleasures in life....

 

......or dare to judge those who like a sit down

[Guest]

I'm sorry Penguinmad but if you are spending your Christmas holiday on a cruise I fail to see how you have to try to fnd ways to 'pay for Christmas'

 

Personally I don't see why paying for something weekly is so shameful, its the norm in many parts of the UK, its not my cup of tea but I have been very poor and the system does seem to work when you have few other options, the problems come when you have so many things to pay weekly you cant keep on top of it but thats about self control not necessity

 

Freecycle is good but you have to fnd a way to transport the item and who is to say that t will work, I am sure there are plenty who use Freecycle as a way of offloading non working items

 

I oten joke that I am totally skint but realistiically I know that I am extremely lucky and blessed therefore dont feel the need to project on to those who cannot afford some simple pleasures in life....

 

......or dare to judge those who like a sit down

 

I didn't choose to go on a cruise, nor did I have to pay for the cruise. I will have to pay for everything I do on that cruise, like the summer it will be very little, I managed to spend $150 in 6 days, and I had $100 on board credit. I have to find some spending money for myself and James as well as a small amount to pay for a few presents for James and Mum.

 

I don't know why everyone is on their high horse about me thinking that paying weekly is shameful. I DON'T and I never said that. I think ADVERTISING in a block and selling high apr's on overpriced goods as "weekly payment" is shameful. Weekly payment to the catalogues was very different and was never advertised like this.

 

As for judging those who like a sit down - they portray this as cosy watching daytime soaps. its all in the portrayal and again that is what I feel is wrong.

[Paddy]

Actually I am with Penguimad on this one. This summer I went away with two friends on the first week of the summer holiday. One of them is an old school friend who has been through gut wrenching circumstances in the last five years and has succesfully bought up three children very well. However I did see a different side. I have always worked and because of circumstances of having children a little later in life my partner and I have been able to 'afford' a second home.

My friend wasn't able to have a holiday this year so we decided to go away without any partners with just children.

The first instance is where she said 'Oh good a washer dryer, I can do all my washing and go home with it all clean'.

The second instance was when having a barbeque we all obtained our own food. My other friend and I happily gave all our food away to her hungry teenagers, however when her seven year old wanted one of the burgers was told catagorately that she had only bought enough for her four!

The third was on the last evening when my other friend had left, the school friend announced that it was a family tradition for her to take out her children for a meal so I was left in the house alone with my two children!

Fourthly I was left to clean the house, the bedding everything as she left in a hurry.

I also felt she had different aspirations - we were happy going to the beach etc, everyday she felt she had to treat her children to some expensive excursion.

I am with agreement as this friend (who will remain a friend!) sees life differently. However she only works 16 hours a week and posted on facebook today that she was bored. I felt like saying tidy your house as she does spend an inordinate amount of time watching CSI. Items are bought on credit card to the hilt.

 

So sorry about the rant but I was too embarrassed to tell my other half! I am just ranting as all my school friends seem sometimes to think that I have it all - after this holiday I came round to thinking - yes I have more than most - because I work damned hard. I spent the whole holiday feeding 14 mouths and tidying up after them.

 

Oh my goodness I have ranted and it probably bears no relation to the original post. Good to get it off my chest though after three months!

[The Dogmother]

All I can say is that there's a lot to be said for counting your blessings - I may not have much at all, but I do that on a daily basis.

 

Accentuate the positive, stop moaning and get on with life is my maxim, "Ooops, word censored!"ody listens to moaners.

 

Gold prices are at an all time high at the moment by the way - that's why they're encouraging people to sell theirs; it always happens when there's a recession, and there's always someone around to take advantage of those who are less well off and daft enough to spend what they haven't got. Only buy what you can afford or go without.

 

Call me old fashioned....

[Old Speckled Hen]

Only buy what you can afford or go without.

 

Call me old fashioned....

 

Many years ago I caught myself paying off one credit card with another.

I was so shocked that having eventually paid both debts off I have never had a credit card since.

I am old enough to remember my parents considering hire purchase shameful though my dad did relent when he bought a car

Previous to that he had a succession of motorbikes that were often in bits on the kitchen floor.

I can still see his shiny smiling face when he brought home a bright yellow Vauxhall Victor complete with chrome and tail fins

But I digress.

Our expectations are too high and advertising and availability of credit are to blame.

People of my generation can recall how their parents struggled but maintained their dignity and it has been a valuable lesson.

Many now don't know how to budget and will have few financial skills to pass on.

[Alis girls]

on a lighter note am I the only one who would love to strangle the fox on Foxy Bingo - he irritates me to death and his smarmy fox face and those giggling girls need doing away with. Should I get out more?

[Egluntyne]

No, I'm with you re the fox nochucksyet. I absolutely hate the strutting thing.

[The Dogmother]

I miss those ads becasue I rarely watch any TV, but I do so hate the shameful hawking of credit and the way it is thrown at those without the sense to see it for what it is.

 

Like OSH, my folks are war babies and know all about saving and going without. I am glad to say that the only thing I owe money on it my mortgage. Rosie and I are lucky in that my folks treat us to a week away each year - that keeps us going and we really value it.

 

As my Nonna used to saw (well, the Italian version) 'Cut your cloth accordingly'.

[debbier]

The adverts annoy me, too. My understanding is that if you do want to sell your old gold, then there are far more favourable outlets than the ones advertised on tv. I'd always check with a forum such as MoneySavingExpert first. Oh, and Foxy is extremely irritating as are those ridiculous bingo-head people, and don't get me started on the pseudo-science terms used in cosmetic ads.

 

The old "Ocean Finance" ones used to really grate, though I haven't seen those around in a while, thank goodness. They used to be regularly inserted in the racing adverts on channel 4.

 

My current most annoying advert which causes me to switch the radio off is the "webuyanycar" one. OK, so I have the name of the company ingrained in my brain , but I'd make a point to never sell my car to that company as I'd hate to be justifying the beeping awful advert.

 

Phew!

 

Now where is my lavender oil...?

[Alis girls]

Woah girls chill says she who could strangle a man in a fox suit. Life is bad enough without getting mad about something we can do little about. Now how about a thread about annoying or adverts which make us laugh or just something to cheer us up on a dull friday. Am stuck at home feeling under the weather with an under the weather 8 yr old. The mind wants to do stuff the body says "no" Chillllllllllllllllllllllll

[Reikiranf]

The adverts that get me are the debt consolidation ones where they reduce their outgoings to something more manageable and then blow the difference on a holiday or home improvements

 

I'm chilling at the mo, mainly because I've not yet put the heating on and I'm thinking up stress relieving activities the current favourite being taking a sledgehammer to my car which is being very naughty & costly at the moment

 

My favourite ad at the moment is the one with the mouse avoiding all the traps to get the cheese can't remember what cheese tho, I must be an adman's nightmare as I can rarely remember the product and yet I know the words and songs to all the ads from my childhood

[Tiggy]

I absolutely agree with both of you.

 

Oh yes I'm lucky enough to be "well off" but working hard doing a job I hate which has me in tears daily at the moment, I'm also sitting here freezing because I won't put the heating on - which is not really my green stance - I can't afford the oil for more than one month of the winter. To pay for Christmas I'm making gift baskets to sell and putting some more old junk on Ebay - if I get the time to spend hours photographing and writing descriptions for a few quid. Not to mention spending my weekends lugging 60kilo weights and sandbags around for some spending money. If my washing machine broke I couldn't afford a new one, it would be a plea on freecycle or a secondhand one.

 

 

oh dear you sound as if you are having a tough time

[debbier]

Now how about a thread about annoying or adverts which make us laugh or just something to cheer us up on a dull friday.

 

Good idea: I've just started a thread with a recent fave of mine.

 

I'm trying to get some work done at home, without kids, so have no excuse. You have my sympathy (probably unlike your child, who, if anything like my two, don't really think that mum's can feel sick!)

[Alis girls]

Well done have just posted on it

[Guest]

I absolutely agree with both of you.

 

Oh yes I'm lucky enough to be "well off" but working hard doing a job I hate which has me in tears daily at the moment, I'm also sitting here freezing because I won't put the heating on - which is not really my green stance - I can't afford the oil for more than one month of the winter. To pay for Christmas I'm making gift baskets to sell and putting some more old junk on Ebay - if I get the time to spend hours photographing and writing descriptions for a few quid. Not to mention spending my weekends lugging 60kilo weights and sandbags around for some spending money. If my washing machine broke I couldn't afford a new one, it would be a plea on freecycle or a secondhand one.

 

 

oh dear you sound as if you are having a tough time

 

Only because I don't believe in debt and I'm horrified to realise that after 3 1/2 years I havn't even made a dent in the debt my marriage (and paying him off!) put me in. In my defence I've twice had to deal with non-paying tennants in that period as well which has meant me paying 2 mortgages for a while. But in amongst that I stupidly maxed out my spending credit card (been shifting the debt on 0% deals!) so now I'm focussed on paying off rather than spending anything until I'm clear again. We also started a business this year so the income from that (the weekend work!) is going towards our summer holiday. Trouble is that in amongst that kids are so darned expensive - beginning of term I forked out £500 for all his extra curricular stuff and dinner money. His dad doesn't contribute. I just want to spend this year and next getting back into the black where I should be.

[Space Chick]

I appreciate what it is like having to pay off ex husbands debts. When I split up from my first husband he had run up a string of credit card debts, and had taken out loans against the house which meant we were in negative equity.

 

It took about 3 years on a very very tight budget for me to clear the debts that I landed up with when we broke up.

 

Sending positive vibes on that account Pengy, as it was hard enough to do it without having a child to support

[Paddy]

Pengy you will clear it eventually as you are using everything right in your power to do so - well done!