Rabbit Omlet products for sale

[Egluntyne]

Read this **Click**.

 

Try as I might, I can't muster any sympathy.

[Redwing]

Read this **Click**.

 

Try as I might, I can't muster any sympathy.

 

Well if that was me I would admit all to my family but would be far too ashamed to put it in print - even while 'acting' all ashamed and regretful she is boasting and name dropping

 

I have no sympathy

 

People who buy stuff to fill empty lives need to GET a life

[clootie]

Is this 1st April? Have I slept that long?

[Egluntyne]

I suppose at least she has alerted everyone to the fact that her custom is not worth having.

[Lesley]

[Space Chick]

I bet the credit card companies love her, all that interest she is earning them, whereas they hate people like me who pay their balance off every month.

[majorbloodnock]

I think the one thing not mentioned in this thread is where all the shoulds and should nots meet reality.

 

We're not talking about simple reasoned choice; we're talking about millions spent on research to find out just what are the most effective ways of brainwashing people into believing marketing messages. The credit companies use every hook they can to get people into hock, to the extent that they've succeeded in making credit seem a normal part of everyday life. It takes a degree of intelligence to spot the smoke and mirrors, and strength of character to resist it consistently, and not all people have both strength of character and intelligence.

 

Even if you can put hand on heart and say you never succumb to offers of credit (or that you only do so when you can and do make sacrifices elsewhere to compensate), can you say the same regarding diet pitfalls? Or regarding environmental laziness? Or any other of life's many responsibility choices?

 

I agree that everyone should stand up to their own responsibilities, but we're none of us perfect all the time. To avoid debt, you have to resist these offers all the time, whilst the credit card companies only need to get you to give in once. I don't condone people spending what they haven't got, but I do think the kind of insidious marketing that's prevalent these days does rather load the dice, and I'm afraid that offends my sensibilities a lot. I'm just glad I don't have a television so that I'm distanced from much of the talk of "the Emperor's clothes".

[debbier]

I was discussing the potential psychological effects that leaving uni/college with a huge debt may have on some people. I'd hazard a guess that, if you owe 20-30K when starting off a career, then debt will mean something entirely different.

[Reikiranf]

I do use an Argos storecard sometimes to get interest free credit if I need something but can't afford the whole amount in one go But I divide the cost by the months of credit I have and pay a bit each month so that it's cleared by the due date and before any interest is charged

 

I also use a credit card for expensive purchases because I like the protection it gives me and I do pay off the whole balance every month.

 

I learnt my lesson regarding credit cards when I was first married and had a storecard it only had a £250 limit but I spent that in no time and then had to wait months of paying £25 off each month before I'd paid enough to be able to use the card again, that £250 took a few years to pay off

 

That was 26 years ago when credit wasn't so easily available, I shudder to think how much debt I'd have got into if I was young now when you look at how maximum spending limits are constantly increased and minimum repayments are so low. Whilst I know that we are all responsible for our own actions I do think that Banks and card companies have a lot to answer for especially once people are in debt Perhaps if they made it clear on statements that only paying the minimum amount will take at least 20 years to clear the debt then people may think twice!

[poachedegg]

I was discussing the potential psychological effects that leaving uni/college with a huge debt may have on some people. I'd hazard a guess that, if you owe 20-30K when starting off a career, then debt will mean something entirely different.

 

However not all uni debt is bad debt - the student loan is at the moment 0% and should be an investment in ones future - it is when students start straying into overdrafts and high % credit cards that is the issue.

[Space Chick]

I do think that Banks and card companies have a lot to answer for especially once people are in debt Perhaps if they made it clear on statements that only paying the minimum amount will take at least 20 years to clear the debt then people may think twice!

 

I agree, I used to work for a popular high street bank (left 2 years ago), I won't say which one, but if I say they were Xtra hard to work for

 

I was a financial adviser so did more of the investment and protection side of things, but the banking staff were encouraged to "review" peoples credit cards and offer them consolidation personal loans on a promise of a lower rate. Well that is fine if the credit cards were cut up, however, what was often the case was they "recommended" that people took out a credit card too as it had a lower or 0% APR. It used to make me really angry as all they were doing was encouraging more debts. It wasn't the staff members fault though, as they had very very high sales and "cross sales" targets, and if they didn't hit their targets for 3 months in a row they were put on disciplinary action

[Charlottechicken]

 

Well if that was me I would admit all to my family but would be far too ashamed to put it in print - even while 'acting' all ashamed and regretful she is boasting and name dropping

 

 

Payment for the article will help her debt though

 

The only thing that annoys me about the "sell your gold" adverts is, I don't have any old or unwanted jewellery

 

The eldest child of a friend of mine is running up credit card debts, doesn't even open the statements, which are going to his parents address whilst he is at Uni................... studying Economics

[TAJ]

 

Well if that was me I would admit all to my family but would be far too ashamed to put it in print - even while 'acting' all ashamed and regretful she is boasting and name dropping

 

 

Payment for the article will help her debt though

 

The only thing that annoys me about the "sell your gold" adverts is, I don't have any old or unwanted jewellery

 

The eldest child of a friend of mine is running up credit card debts, doesn't even open the statements, which are going to his parents address whilst he is at Uni................... studying Economics

 

I read an article in a Sunday paper about a month ago now that confirmed gold prices are at an all time high and these companies are only paying about 20% of the gold value! It even quoted Cash4Gold confirming they pay about 20% of the true value, they said you could expect 3x this going into a 2nd hand gold dealer. Remember if it sounds too good to be true it probably is.

 

As to credit cards if you use them only if you actually have the money they work fine - mine is on a direct debit for the whole balance each month, so I never pay them interest, but each time I use it I get points which I then convert into M&S or John Lewis vouchers. So dine in two for a tenner is even better on free vouchers, or doing the shopping on Ocado with free John Lewis vouchers.

 

Tracy

[Guest]

I figured they would be seriously underpaying for the gold. After all they have to make a profit even after they've paid for all those annoying adverts!

 

The bright house advert has gotten worse, now we see laptops and fancy tellies - rather than the washing machine! "Ooops, word censored!"ODY needs to pay weekly over the odds for a telly - I've tried THREE times to give 2 away on freecycle and they are still cluttering up the spare room. Trouble is they are both 20" CRT's. Now if they were 40" plasmas somebody might take them.

 

Again at school the rather spoiled kids are discussing Christmas, so many of them are getting new Ipods - not because they need them but just because there is a newer one out than the one they've got. Apple have a winning strategy redesigning the same product every year. As, surprisingly, do GHD - I used them as an example once of a product you buy once but then keep getting marketing for and it turned out I was wrong, girls actually do throw away perfectly good straighteners because they got the latest pink/purple/black set as a gift!

[Old Speckled Hen]

Read this **Click**.

 

Try as I might, I can't muster any sympathy.

 

I would be tempted to take this article with a large pinch of salt.

Remember this woman is a journalist and a feature writer to boot and you know how these people like to embroider.

I'm not saying that people do not ring up huge debts but that this lady and her flippant attitude to her supposed problem does not quite ring true.

[Charlottechicken]

As to credit cards if you use them only if you actually have the money they work fine - mine is on a direct debit for the whole balance each month, so I never pay them interest, but each time I use it I get points which I then convert into M&S or John Lewis vouchers. So dine in two for a tenner is even better on free vouchers, or doing the shopping on Ocado with free John Lewis vouchers.

 

Tracy

 

Yep, I love my Goldfish! I use it to pay bills and always pay it off every month, so I get the satisfaction of Argos or M&S vouchers for paying my council tax

 

Pengy, I'm amazed you can't give those tellies away! Is there any charity which would take them for you, maybe housing associations for refugees or other first time households??

[Old Speckled Hen]

As to credit cards if you use them only if you actually have the money they work fine - mine is on a direct debit for the whole balance each month, so I never pay them interest, but each time I use it I get points which I then convert into M&S or John Lewis vouchers. So dine in two for a tenner is even better on free vouchers, or doing the shopping on Ocado with free John Lewis vouchers.

 

Tracy

 

Yep, I love my Goldfish! I use it to pay bills and always pay it off every month, so I get the satisfaction of Argos or M&S vouchers for paying my council tax

 

Pengy, I'm amazed you can't give those tellies away! Is there any charity which would take them for you, maybe housing associations for refugees or other first time households??

 

Hey, great tips. Thanks.

I really must get my finances organised and this seems a great way to get "money back".

I think I'll make it a new year resolution to get my spending in order.

[Space Chick]

 

Pengy, I'm amazed you can't give those tellies away! Is there any charity which would take them for you, maybe housing associations for refugees or other first time households??

 

Me too, I do charity work for a charity that helps homeless teenagers and teenage single mums and things like TV's and furniture get snapped up really quickly as its great for when the youngsters are first starting out.

 

Pengy, can you see if there is a similar charity near you, they will usually do pick ups.

 

OSH, I have a cash back credit card, and the cashback gets paid into the account once a year, just after we usually go on holiday which helps with our spending

[Guest]

Pengy, I'm amazed you can't give those tellies away! Is there any charity which would take them for you, maybe housing associations for refugees or other first time households??

 

Only one charity shop that I know takes electrical goods and they actually have a sign up most of the time saying they don't want any more tellies! Last time I offered someone wanted one to give to a friend living at the YMCA and when the friend got in touch - he wasn't interested when he found they weren't flat screens.

 

At some point I'll have to take two perfectly working tellies to the tip.

[Jules.]

Money can't buy you love.

Possessions will never make you happy long-term- perhaps immediately they will, but then there's always some other thing comes along to make us feel dissatisfied.

 

I work in a northern town where many, many people are living on benefits. There is a chemist opposite where they have a glass screen where people can go & get their heroin substitutes & it breaks my heart every time I see a young mother pushing her toddler in the buggy to go to this counter to get her meds But it's these type of people who are targeted for the advertising, & all because of greed- the advertisers greed & the consumers greed.

 

I'm digressing from the original topic, I know. There will always be advertisers who will prey on the vulnerable & less financially clued up members of society. And that's the way of the world.

And I'm feeling tearful too, Pengy, as I've just started working full-time from working 14 hours/week for the last 11 years. Hubby has lost his job through his illness, & I know I should be grateful that my company has given me full time work I'm adjusting to the work & hubbys illness. I am the breadwinner on a small salary, & feeling sorry for myself

 

And again I will say, with the state of the world as it is, if I didn't have my faith i would lose my mind x

[Ain't Nobody Here]

Yep, I love my Goldfish! I use it to pay bills and always pay it off every month, so I get the satisfaction of Argos or M&S vouchers for paying my council tax

 

Another Goldfish fan here . It's amazing how quickly the points mount up .

 

Edit: missed your post, Jules . Sorry to hear things aren't so good for you at the moment .

[Guest]

oh Jules focus on the positives, at least you are in a position to keep your family afloat although the changes may not be of your choosing you could come to enjoy them in time. And of course keep your faith, it can be a huge comfort in times of hardness, you have each other, you have faith, you have food on the table and if times are tough - have scrambled eggs! You might even come up with some money making ideas - I do OK from hen parties and I enter lots of competitions with a little sucess here and there helping to keep me smiling.

[TAJ]

Pengy, I'm amazed you can't give those tellies away! Is there any charity which would take them for you, maybe housing associations for refugees or other first time households??

 

Only one charity shop that I know takes electrical goods and they actually have a sign up most of the time saying they don't want any more tellies! Last time I offered someone wanted one to give to a friend living at the YMCA and when the friend got in touch - he wasn't interested when he found they weren't flat screens.

 

At some point I'll have to take two perfectly working tellies to the tip.

 

The British Heart Foundation have a masive furniture & electricals shop in Gloucester, they even collect from here in Cheltenham - good way to get rid of old electricals if need - personally ours end up breaking before they get replaced!

 

Tracy

[Guest]

yes the one I'm thinking is a specialist electrical shop - most don't have testing facilities for electrical goods. I think just so many people got new tellys and gave the old ones, which then don't sell, that they have to put a cap on it. In my case I was given a new telly by Mum who had to get a bigger one when we moved (her bedroom is huge and she has sight problems, her old flat screen was too small) so I ended up with a spare - the second was the spare from Mum's guest room - as there isn't an aerial in any of my spare bedrooms I don't need a spare for guests.

[Cinnamon]

I was brought up to never buy anything I could not afford.

If we need or want something,we save for it.

Never,ever bought anything on a monthly payment basis, & never will.

We have a small cushion of saving for emergencies & save hard for any holidays we are lucky enough to have.

 

Hopefully I have instilled this ethic into my girls too.

My eldesy has just started a part time job & has EMA money coming in, & she is putting a nice amount away each month,plus refunding me for her mobile phone contract (they can't take out their own Vodafone contract until they are 18 )

 

I was chatting to her in the car just now, as I had been thinking about this thread & how vunerable youngsters are to the full-on methods of advertising for credit cards & loans.

She WILL have a uni loan,as that is the only way we can afford for her to go & get the education she deserves,but apart from that,she is determined to be debt free as much as possible