WILF 49,582 Posted October 21, 2022 Report Share Posted October 21, 2022 2 minutes ago, Gypsydog94 said: Definitely the ones who financed the ass out of everything through covid when times was good. Ahh, I wouldn’t be too hard on folks mate……they only swallowed the bait cast for them in a system engineered to put them in debt like lots of people have done, who of us can say we always lived with the experience of age ? Not me. As I say, pains coming for hundreds of thousands of people and they are going to need kindness not contempt 6 Quote Link to post Share on other sites
jok 3,442 Posted October 21, 2022 Report Share Posted October 21, 2022 A Stanley. Same old, same old. Frugality isn’t the problem mate. We just spend it on on others so fast when it comes to pub time we’ve nowt left. Joking apart. I need quite a big fencing job doing and when I asked the lads how they wanted paying they started on about receipts and invoices and all that malarkey. Strange people. Jok. Quote Link to post Share on other sites
TOMO 28,334 Posted October 21, 2022 Report Share Posted October 21, 2022 4 minutes ago, W. Katchum said: Silly fcukers, my preference is £20 notes straight out cash point absolutely.... Quote Link to post Share on other sites
Astanley 11,630 Posted October 21, 2022 Report Share Posted October 21, 2022 5 minutes ago, W. Katchum said: Silly fcukers, my preference is £20 notes straight out cash point All Terrain says the same . Quote Link to post Share on other sites
jok 3,442 Posted October 21, 2022 Report Share Posted October 21, 2022 Got a sweat on there muckers They robbed the machine out of the Co-op the other week ffs. Jok. Quote Link to post Share on other sites
mackem 29,521 Posted October 21, 2022 Report Share Posted October 21, 2022 annual income twenty pounds,annual expenditure nineteen nineteen and six,result happiness.Annual income twenty pounds,annual expenditure twenty pounds nought and six,result misery. Quote Link to post Share on other sites
jok 3,442 Posted October 21, 2022 Report Share Posted October 21, 2022 Odd. Can’t see anyone rushing to get the work. Must all be busy. Jok. Quote Link to post Share on other sites
pesky1972 5,632 Posted October 21, 2022 Report Share Posted October 21, 2022 A wee bit off topic but talking about breaking down working hours into cash value etc…. for the last 30 years or so, if my boss/employer etc. pissed me off, I’ve ‘fined’ them. I’ve fined the fcukers for loads of stuff, from any form of criticism I felt was unjustified, not putting on overtime when I was skint, any wee crackdowns on breaks and time-keeping etc., or all and any manner of petty sh!te. I’ll down tools for an hour on the sly to ‘punish’ them. An old guy I worked with years ago taught me to do it, and I’ve just carried on. Find it good for morale as you always feel like you’re coming out on top. Try it and see 4 2 4 Quote Link to post Share on other sites
shovel leaner 7,650 Posted October 21, 2022 Report Share Posted October 21, 2022 I’m 57 now and I think that people my age and a bit older had the best of it . But I think back and I was paying a mortgage in 1987 with interest rates around 10%_12% . “Stuff” in general was less available. My kids now have not one but two or three massive plasma screen tvs , dishwashers , new cars . I didn’t have loads of the latest things . I simply couldn’t afford it . I had old cars and vans , and I was always shelling out on repairs and breaking down . I never had savings and with a young family , things were tight . But I have finished paying my mortgage about 5 years ago . I have a pick up and I have semi retired. I would advise anyone to buy their own house . Keep your head above water , pay into a pension . Don’t live beyond your means . Because I can look back and thank the young “me” for making sensible decisions and setting myself up for a comfortable later life . Because believe me , It soon comes around. 9 Quote Link to post Share on other sites
Daniel cain 48,237 Posted October 21, 2022 Report Share Posted October 21, 2022 started with f**k all...got most of it left 1 3 Quote Link to post Share on other sites
jok 3,442 Posted October 21, 2022 Report Share Posted October 21, 2022 Makes me smile. Really smile. Cracked my old man with a spade at age 15 and mother drove me to the nearest bus station. I might not have made it otherwise.! Bus to an unknown destination, turned out it was Peterborough and not knowing anyone or even where I was got on another bus to Northampton where I knew someone. Ended up in the YMCA at £4 per week for my own room. Took the shilling and ended up in the Middle East . Since then I have asked for nowt and never will do. You make your luck and by and large you have to live with with those decisions. All I can say is stick with it. Jok. 3 Quote Link to post Share on other sites
Daniel cain 48,237 Posted October 21, 2022 Report Share Posted October 21, 2022 all joking aside...best advice I was ever given,was don't live beyond your means...always paddle your own canoe...and don't follow the crowd 3 2 Quote Link to post Share on other sites
Mother_Mary 844 Posted October 22, 2022 Report Share Posted October 22, 2022 Im a firm believer in always having a rainy day fund, could be 1k could be 10k etc depending on how much a parra Pete you are, and it’s only ever dipped into if absolutely necessary. I recon even for the most frugal of folks, it’s the curve ball you don’t see coming that can land you in the shit financially. Along with that I find if you have any amount aside, it gives incentive to save more and the more you save the less you want to spend it and end up back at the start. Don’t take out loans or finance to pay for something that isn’t an appreciating asset and will benefit you long term (I.e property being an exception, cars, holidays and bigger tvs are not). If you don’t have the funds to buy it outright yourself don’t. And if you do decide to make a big purchase think on it for a few days first, not much can’t wait a few days, and more often than not you decide you didn’t need it after all. Just my thoughts and have done me ok till now. Don’t be a tight miserable c**t either there’s a big difference between treating your family to something nice just because, and taking a crippling loan out for a fancy motor that is out of your comfort zone 5 1 Quote Link to post Share on other sites
low plains drifter 11,124 Posted October 22, 2022 Report Share Posted October 22, 2022 5 hours ago, Astanley said: Being Scottish means you have a genetic predisposition toward frugality . Quote Link to post Share on other sites
Leo Sayer 3,625 Posted October 22, 2022 Report Share Posted October 22, 2022 2 hours ago, Mother_Mary said: Im a firm believer in always having a rainy day fund, could be 1k could be 10k etc depending on how much a parra Pete you are, and it’s only ever dipped into if absolutely necessary. I recon even for the most frugal of folks, it’s the curve ball you don’t see coming that can land you in the shit financially. Along with that I find if you have any amount aside, it gives incentive to save more and the more you save the less you want to spend it and end up back at the start. Don’t take out loans or finance to pay for something that isn’t an appreciating asset and will benefit you long term (I.e property being an exception, cars, holidays and bigger tvs are not). If you don’t have the funds to buy it outright yourself don’t. And if you do decide to make a big purchase think on it for a few days first, not much can’t wait a few days, and more often than not you decide you didn’t need it after all. Just my thoughts and have done me ok till now. Don’t be a tight miserable c**t either there’s a big difference between treating your family to something nice just because, and taking a crippling loan out for a fancy motor that is out of your comfort zone In a nut shell this for me Quote Link to post Share on other sites
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