Are you in debt? - Teh Forum

<body> <div id="header"> <span class="left"> <span class="back"><a href="lthread_list.php?webtag=DEFAULT"><span class="image mobile_back" title="Back"></span></a></span> <span class="image mobile_logo" title="Beehive Forum Logo"></span> </span> <ul> <li> <a class="reply_all" href="lpost.php?webtag=DEFAULT&reply_to=31210.0&return_msg=31210.30"> <span class="image mobile_reply_all"></span><span class="text">Reply to All</span> </a> </li> <li> <a class="navigation" href="#"> <span class="image mobile_navigation"></span><span class="text">Show messages</span> </a> </li> <li> <a class="main" href="#"><span class="image mobile_menu" title="Menu"></span> </a> </li> </ul> </div> <div class="menu main"> <ul> <li><a href="lthread_list.php?webtag=DEFAULT">Messages</a></li> <li><a href="lpm.php?webtag=DEFAULT">Inbox</a></li> <li><a href="lsearch.php?webtag=DEFAULT">Search</a></li> <li><a href="llogon.php?webtag=DEFAULT">Login</a></li> </ul> </div> <div class="menu navigation"><a href="lmessages.php?webtag=DEFAULT&msg=31210.1">1–10</a><a href="lmessages.php?webtag=DEFAULT&msg=31210.11">11–20</a><a href="lmessages.php?webtag=DEFAULT&msg=31210.21">21–30</a><a href="lmessages.php?webtag=DEFAULT&msg=31210.31">31–40</a><a href="lmessages.php?webtag=DEFAULT&msg=31210.41">41–48</a></div> <div id="page_content"> <h3 class="thread_title"><a href="index.php?webtag=DEFAULT&amp;msg=31210.30">Are you in debt?</a> </h3> <div id="messages" data-navigation="31210_30_48_10"> <a name="a31210_30"></a><div class="message" id="message_31210_30"> <div class="message_header"> <div class="message_from"> From: Bryan (TWISTER)<span class="message_time">16 Nov 2006 16:58</span> <div class="clearer"></div> </div><div class="message_to">To: koswix <span><span class="image post_read" title="Read: 16 Nov 2006 20:01"></span></span> <span class="message_count">30 of 48</span><div class="clearer"></div> </div> </div> <div class="message_links"> <a href="lmessages.php?webtag=DEFAULT&msg=31210.30">31210.30</a> In reply to <a href="lmessages.php?webtag=DEFAULT&msg=31210.27">31210.27</a></div> <div class="message_body"> I am now in the habit of the harder someone tries to sell me something the harder I say NO.<br /> <br /> But this is only as a result of the nervous breakdown. Prior to that you could have probably sold me snow in the middle of a snow storm!<br /> <br /> Bryan<br /> <br /> <hr /> </div> <div class="message_footer"> <div class="message_footer_links"><a href="lpost.php?webtag=DEFAULT&reply_to=31210.30&return_msg=31210.30" class="reply"><span class="image post"></span>Reply</a></div> <div class="message_vote_form" data-msg="31210.30"> <span class="rating">0/0</span> <span class="image vote vote_down vote_down_off" title="Vote Down"></span> <span class="image vote vote_up vote_up_off" title="Vote Up"></span> </div> </div> </div><a name="a31210_31"></a><div class="message" id="message_31210_31"> <div class="message_header"> <div class="message_from"> From: spinning_plates<span class="message_time">16 Nov 2006 18:33</span> <div class="clearer"></div> </div><div class="message_to">To: Bryan (TWISTER) <span><span class="image post_read" title="Read: 16 Nov 2006 19:03"></span></span> <span class="message_count">31 of 48</span><div class="clearer"></div> </div> </div> <div class="message_links"> <a href="lmessages.php?webtag=DEFAULT&msg=31210.31">31210.31</a> In reply to <a href="lmessages.php?webtag=DEFAULT&msg=31210.30#a31210_30" target="_self">31210.30</a></div> <div class="message_body"> <div class="quotetext" id="quote"><b>quote: </b></div><div class="quote">I am now in the habit of the harder someone tries to sell me something the harder I say NO.</div><br /> <br /> That's a pretty good rule of thumb. Generally speaking, the more someone wants you to do something, the less inclined you should be to do it. Obviously if you've carefully thought about it in advance, then it's a bit different. </div> <div class="message_footer"> <div class="message_footer_links"><a href="lpost.php?webtag=DEFAULT&reply_to=31210.31&return_msg=31210.30" class="reply"><span class="image post"></span>Reply</a></div> <div class="message_vote_form" data-msg="31210.31"> <span class="rating">0/0</span> <span class="image vote vote_down vote_down_off" title="Vote Down"></span> <span class="image vote vote_up vote_up_off" title="Vote Up"></span> </div> </div> </div><a name="a31210_32"></a><div class="message" id="message_31210_32"> <div class="message_header"> <div class="message_from"> From: Monsoir (PILOTDAN)<span class="message_time">16 Nov 2006 19:15</span> <div class="clearer"></div> </div><div class="message_to">To: Radio <span><span class="image post_read" title="Read: 17 Nov 2006 09:38"></span></span> <span class="message_count">32 of 48</span><div class="clearer"></div> </div> </div> <div class="message_links"> <a href="lmessages.php?webtag=DEFAULT&msg=31210.32">31210.32</a> In reply to <a href="lmessages.php?webtag=DEFAULT&msg=31210.1">31210.1</a></div> <div class="message_body"> <p>Yep</p> <p> </p> <p>£7000 - Car loan.<br /> £300 - Owe my nan<br /> £300 - Credit card</p> <p> </p> <p>Managable and not so bad - the credit card debt is mainly from Italy this year, Venice is NOT cheap for a start! I still owe my nan for helping me out last year <span class="emoticon e_embarrassed" title=":$"><span class="e__">:$</span></span></p> <p> </p> <p>I'm gonna put myself into some more debt soon, though, to get my van interior re-done and some body repair work. I don't worry about that though as</p> <p> </p> <p>A) At least I have a full time job and nowhere near the debt some folks from uni are in.<br /> <span class="emoticon e_shades" title="B)"><span class="e__">B)</span></span> My van will reflect the money spent on it. Worth about £5-6k as it sits currently, so at least I know if I ever get into dire straits I'll just sell it.</p><div class="edit_text">EDITED: 16 Nov 2006 19:20 by PILOTDAN</div> </div> <div class="message_footer"> <div class="message_footer_links"><a href="lpost.php?webtag=DEFAULT&reply_to=31210.32&return_msg=31210.30" class="reply"><span class="image post"></span>Reply</a></div> <div class="message_vote_form" data-msg="31210.32"> <span class="rating">0/0</span> <span class="image vote vote_down vote_down_off" title="Vote Down"></span> <span class="image vote vote_up vote_up_off" title="Vote Up"></span> </div> </div> </div><a name="a31210_33"></a><div class="message" id="message_31210_33"> <div class="message_header"> <div class="message_from"> From: Peter (BOUGHTONP)<span class="message_time">16 Nov 2006 19:21</span> <div class="clearer"></div> </div><div class="message_to">To: ian <span><span class="image post_read" title="Read: 16 Nov 2006 19:31"></span></span> <span class="message_count">33 of 48</span><div class="clearer"></div> </div> </div> <div class="message_links"> <a href="lmessages.php?webtag=DEFAULT&msg=31210.33">31210.33</a> In reply to <a href="lmessages.php?webtag=DEFAULT&msg=31210.18">31210.18</a></div> <div class="message_body"> Do you have a copy of the letter you sent - I'm in the same situation but too lazy to write a letter. <span class="emoticon e_sad" title=":("><span class="e__">:(</span></span><br /> <br /> <br /> -<br /> <br /> <br /> Me I just have a student loan somewhere between £12k-15k I think.<br /> (And nearly half that amount in my bank accounts. \o/ )<div class="edit_text">EDITED: 16 Nov 2006 19:24 by BOUGHTONP</div> </div> <div class="message_footer"> <div class="message_footer_links"><a href="lpost.php?webtag=DEFAULT&reply_to=31210.33&return_msg=31210.30" class="reply"><span class="image post"></span>Reply</a></div> <div class="message_vote_form" data-msg="31210.33"> <span class="rating">0/0</span> <span class="image vote vote_down vote_down_off" title="Vote Down"></span> <span class="image vote vote_up vote_up_off" title="Vote Up"></span> </div> </div> </div><a name="a31210_34"></a><div class="message" id="message_31210_34"> <div class="message_header"> <div class="message_from"> From: ian<span class="message_time">16 Nov 2006 19:35</span> <div class="clearer"></div> </div><div class="message_to">To: Peter (BOUGHTONP) <span><span class="image post_read" title="Read: 16 Nov 2006 20:05"></span></span> <span class="message_count">34 of 48</span><div class="clearer"></div> </div> </div> <div class="message_links"> <a href="lmessages.php?webtag=DEFAULT&msg=31210.34">31210.34</a> In reply to <a href="lmessages.php?webtag=DEFAULT&msg=31210.30#a31210_33" target="_self">31210.33</a></div> <div class="message_body"> <p>Unfortunately I don't have a copy, no. </p> <p> </p> <p>It was more of a short hand-scrawled note than a letter saying something like "Please remove my details from your database and do not send me any more letters, thanks."</p> </div> <div class="message_footer"> <div class="message_footer_links"><a href="lpost.php?webtag=DEFAULT&reply_to=31210.34&return_msg=31210.30" class="reply"><span class="image post"></span>Reply</a></div> <div class="message_vote_form" data-msg="31210.34"> <span class="rating">0/0</span> <span class="image vote vote_down vote_down_off" title="Vote Down"></span> <span class="image vote vote_up vote_up_off" title="Vote Up"></span> </div> </div> </div><a name="a31210_35"></a><div class="message" id="message_31210_35"> <div class="message_header"> <div class="message_from"> From: ANT_THOMAS<span class="message_time">16 Nov 2006 19:44</span> <div class="clearer"></div> </div><div class="message_to">To: ALL<span class="message_count">35 of 48</span><div class="clearer"></div> </div> </div> <div class="message_links"> <a href="lmessages.php?webtag=DEFAULT&msg=31210.35">31210.35</a></div> <div class="message_body"> <p>2nd year of my student loan, after 4 years that'll be about £13,000. Currently near the max of my £1,250 but that's because I'm still waiting for British Airways to compensate me, guess I should send them the stuff they want!</p> <p> </p> <p>The bulb on my projector broke yesterday <span class="emoticon e_csad" title=":C"><span class="e__">:C</span></span> hopefully 3M will sort it out since it's within the 12months and they state 2000hrs for the bulbs and it's under 1000hrs. If not, that'll be close to £200 to fix <span class="emoticon e_crying" title=":(("><span class="e__">:((</span></span></p> </div> <div class="message_footer"> <div class="message_footer_links"><a href="lpost.php?webtag=DEFAULT&reply_to=31210.35&return_msg=31210.30" class="reply"><span class="image post"></span>Reply</a></div> <div class="message_vote_form" data-msg="31210.35"> <span class="rating">0/0</span> <span class="image vote vote_down vote_down_off" title="Vote Down"></span> <span class="image vote vote_up vote_up_off" title="Vote Up"></span> </div> </div> </div><a name="a31210_36"></a><div class="message" id="message_31210_36"> <div class="message_header"> <div class="message_from"> From: Peter (BOUGHTONP)<span class="message_time">16 Nov 2006 20:10</span> <div class="clearer"></div> </div><div class="message_to">To: ian <span><span class="image post_read" title="Read: 16 Nov 2006 20:16"></span></span> <span class="message_count">36 of 48</span><div class="clearer"></div> </div> </div> <div class="message_links"> <a href="lmessages.php?webtag=DEFAULT&msg=31210.36">31210.36</a> In reply to <a href="lmessages.php?webtag=DEFAULT&msg=31210.30#a31210_34" target="_self">31210.34</a></div> <div class="message_body"> That's a good point... there's no point me putting any effort into it - I'm not trying to look professional and don't care what they might think. Next time I get one I'll just scribble on a bit of paper. <span class="emoticon e_grin" title=":D"><span class="e__">:D</span></span> </div> <div class="message_footer"> <div class="message_footer_links"><a href="lpost.php?webtag=DEFAULT&reply_to=31210.36&return_msg=31210.30" class="reply"><span class="image post"></span>Reply</a></div> <div class="message_vote_form" data-msg="31210.36"> <span class="rating">0/0</span> <span class="image vote vote_down vote_down_off" title="Vote Down"></span> <span class="image vote vote_up vote_up_off" title="Vote Up"></span> </div> </div> </div><a name="a31210_37"></a><div class="message" id="message_31210_37"> <div class="message_header"> <div class="message_from"> From: Mikey (PUNKMIKEY)<span class="message_time">16 Nov 2006 21:00</span> <div class="clearer"></div> </div><div class="message_to">To: Radio <span><span class="image post_read" title="Read: 17 Nov 2006 09:38"></span></span> <span class="message_count">37 of 48</span><div class="clearer"></div> </div> </div> <div class="message_links"> <a href="lmessages.php?webtag=DEFAULT&msg=31210.37">31210.37</a> In reply to <a href="lmessages.php?webtag=DEFAULT&msg=31210.1">31210.1</a></div> <div class="message_body"> <p>I can honestly say I'm not in debt!</p> <p> </p> <p>No credit cards, no loan, no mortgage.</p> <p> </p> <p>Allthough I do still live with my mum and don't really have many bills to pay. I tend to save my money if I want stuff rather than getting credit. I like to think I'm pretty good a spotting nice deal as well.</p> <p> </p> <p>I also tend to walk to work and back most days (about 2-3 miles) rather than pay for sheffields rather crappy public transport. I don't drive as is just seems like a black hole for money with fuel prices nowadays. I'm a Linux geek and therefore have no software costs. Working at Insight also means I get my 'pooter hardware at cost price +vat which is nice.</p> <p> </p> <p>In fact, I wonder where all my money actualy goes. I think the vast majority of it goes on food, beer, and taxis when I'm too pissed to walk. Oh and some charity or other, I forget which. Maybe I ought to keep track of things one of these days...</p> </div> <div class="message_footer"> <div class="message_footer_links"><a href="lpost.php?webtag=DEFAULT&reply_to=31210.37&return_msg=31210.30" class="reply"><span class="image post"></span>Reply</a></div> <div class="message_vote_form" data-msg="31210.37"> <span class="rating">0/0</span> <span class="image vote vote_down vote_down_off" title="Vote Down"></span> <span class="image vote vote_up vote_up_off" title="Vote Up"></span> </div> </div> </div><a name="a31210_38"></a><div class="message" id="message_31210_38"> <div class="message_header"> <div class="message_from"> From: craig (CHARTLEY)<span class="message_time">16 Nov 2006 21:36</span> <div class="clearer"></div> </div><div class="message_to">To: ALL<span class="message_count">38 of 48</span><div class="clearer"></div> </div> </div> <div class="message_links"> <a href="lmessages.php?webtag=DEFAULT&msg=31210.38">31210.38</a></div> <div class="message_body"> <p>This is where I can gleefully proclaim that I'm about to pay off my student loan before I graduate! It's sitting at a smidgen under £5k but after getting money from my Grandad (now gorne) I can pay it off and save the rest for a car once I graduate so I can hopefully get a proper job a bit further away if needed.</p> <p> </p> <p>Good old Scotland paying my fees (for now). Bad old Student loans company for charging more interest than I thought they did.</p> <p> </p> <p>Edit: And as for a credit card, having a job means I can spend as much as my mates but unlike them it isn't on an overdraft or credit card.</p> <p> </p> <p>(that and I've managed to convince my mum and dad to pay rent, which is handy too!)</p><div class="edit_text">EDITED: 16 Nov 2006 21:38 by CHARTLEY</div> </div> <div class="message_footer"> <div class="message_footer_links"><a href="lpost.php?webtag=DEFAULT&reply_to=31210.38&return_msg=31210.30" class="reply"><span class="image post"></span>Reply</a></div> <div class="message_vote_form" data-msg="31210.38"> <span class="rating">0/0</span> <span class="image vote vote_down vote_down_off" title="Vote Down"></span> <span class="image vote vote_up vote_up_off" title="Vote Up"></span> </div> </div> </div><a name="a31210_39"></a><div class="message" id="message_31210_39"> <div class="message_header"> <div class="message_from"> From: Sulkpot<span class="message_time">16 Nov 2006 22:21</span> <div class="clearer"></div> </div><div class="message_to">To: ALL<span class="message_count">39 of 48</span><div class="clearer"></div> </div> </div> <div class="message_links"> <a href="lmessages.php?webtag=DEFAULT&msg=31210.39">31210.39</a></div> <div class="message_body"> I am an appalling miser, and I have a ledger and a box file detailing all of the money I don't have. I have -£3,667. I have no relatives to kill* <br /> <br /> <noemots><span class="emoticon e_cry" title=":'-("><span class="e__">:'-(</span></span></noemots><br /> <br /> <font size="1">*This is a lie. I have six (living) close relatives. I am executor of the wills of three, and hence I know that I stand to profit not a penny from despatching any of them.</font> </div> <div class="message_footer"> <div class="message_footer_links"><a href="lpost.php?webtag=DEFAULT&reply_to=31210.39&return_msg=31210.30" class="reply"><span class="image post"></span>Reply</a></div> <div class="message_vote_form" data-msg="31210.39"> <span class="rating">0/0</span> <span class="image vote vote_down vote_down_off" title="Vote Down"></span> <span class="image vote vote_up vote_up_off" title="Vote Up"></span> </div> </div> </div></div> <div class="message_page_footer"> <ul> <li class="right_col"><form accept-charset="utf-8" method="get" action="lmessages.php" target="_self"><input type="hidden" name="webtag" id="webtag" class="bhinputtext" value="DEFAULT" dir="ltr" /><input type="hidden" name="msg" id="msg" class="bhinputtext" value="31210.40" dir="ltr" /><input type="submit" name="submit" id="keep_reading" value="Keep reading…" class="button" /></form></li> </ul> </div> </div> </body>