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=31210.7"> <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=31210.41">41–48</a></div> <div id="page_content"> <h3 class="thread_title"><a href="index.php?webtag=DEFAULT&amp;msg=31210.7">Are you in debt?</a> </h3> <div id="messages" data-navigation="31210_7_48_10"> <a name="a31210_7"></a><div class="message" id="message_31210_7"> <div class="message_header"> <div class="message_from"> From: steve<span class="message_time">16 Nov 2006 09:53</span> <div class="clearer"></div> </div><div class="message_to">To: Radio <span><span class="image post_read" title="Read: 16 Nov 2006 10:16"></span></span> <span class="message_count">7 of 48</span><div class="clearer"></div> </div> </div> <div class="message_links"> <a href="lmessages.php?webtag=DEFAULT&msg=31210.7">31210.7</a> In reply to <a href="lmessages.php?webtag=DEFAULT&msg=31210.1">31210.1</a></div> <div class="message_body"> I have student loan and overdraft, but no credit cards ( THUS I WAS NOT REPRESENTED <span class="emoticon e_csad" title=":C"><span class="e__">:C</span></span> ).<br /> <br /> I have a £1400 interest-free (and for a two years after I finish) overdraft, which I am about £1000 into. But I know that once my loan come through it wipes that, so it's not something I worry about much. I'm slowly paying off (in terms that; I'm less in debt every quarter) some expensive equipment I had to buy at the beginning of my first year!<br /> <br /> It's not that much fun, but I'm not getting bills.etc, and I'm on top of it in that I don't spend pointlessly. My only real expenditure is: alcohol, film, paint, and paper. Like a real art student <span class="emoticon e_moustache" title=":{)"><span class="e__">:{)</span></span> And an airbrush last night ^_^ </div> <div class="message_footer"> <div class="message_footer_links"><a href="lpost.php?webtag=DEFAULT&reply_to=31210.7&return_msg=31210.7" class="reply"><span class="image post"></span>Reply</a></div> <div class="message_vote_form" data-msg="31210.7"> <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_8"></a><div class="message" id="message_31210_8"> <div class="message_header"> <div class="message_from"> From: MrTrent<span class="message_time">16 Nov 2006 09:57</span> <div class="clearer"></div> </div><div class="message_to">To: Radio <span><span class="image post_read" title="Read: 16 Nov 2006 10:16"></span></span> <span class="message_count">8 of 48</span><div class="clearer"></div> </div> </div> <div class="message_links"> <a href="lmessages.php?webtag=DEFAULT&msg=31210.8">31210.8</a> In reply to <a href="lmessages.php?webtag=DEFAULT&msg=31210.1">31210.1</a></div> <div class="message_body"> Student loan and overdraft. I've been strong enough to resist getting a credit card, thank fuck. </div> <div class="message_footer"> <div class="message_footer_links"><a href="lpost.php?webtag=DEFAULT&reply_to=31210.8&return_msg=31210.7" class="reply"><span class="image post"></span>Reply</a></div> <div class="message_vote_form" data-msg="31210.8"> <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_9"></a><div class="message" id="message_31210_9"> <div class="message_header"> <div class="message_from"> From: Bryan (TWISTER)<span class="message_time">16 Nov 2006 10:05</span> <div class="clearer"></div> </div><div class="message_to">To: ALL<span class="message_count">9 of 48</span><div class="clearer"></div> </div> </div> <div class="message_links"> <a href="lmessages.php?webtag=DEFAULT&msg=31210.9">31210.9</a></div> <div class="message_body"> Up to my eyeballs in it! No as bad as an awful lot of others though.<br /> <br /> About £6500 ish.<br /> <br /> Having just been made redundant I have had to start dealing with the CCCS, which is keeping the wolves from the door.<br /> <br /> My credit rating is pooh because of a mis-sold insurance policy that refused to pay out on my redundancy from a job back in 2001. So no one will give me credit anyway. Which probably ain't a bad thing cuz I'm crap with money.<br /> <br /> At the moment it's a case of surviving not living.<br /> <br /> Bryan<br /> <br /> <hr /> </div> <div class="message_footer"> <div class="message_footer_links"><a href="lpost.php?webtag=DEFAULT&reply_to=31210.9&return_msg=31210.7" class="reply"><span class="image post"></span>Reply</a></div> <div class="message_vote_form" data-msg="31210.9"> <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_10"></a><div class="message" id="message_31210_10"> <div class="message_header"> <div class="message_from"> From: Radio<span class="message_time">16 Nov 2006 10:24</span> <div class="clearer"></div> </div><div class="message_to">To: steve <span><span class="image post_read" title="Read: 16 Nov 2006 10:33"></span></span> <span class="message_count">10 of 48</span><div class="clearer"></div> </div> </div> <div class="message_links"> <a href="lmessages.php?webtag=DEFAULT&msg=31210.10">31210.10</a> In reply to <a href="lmessages.php?webtag=DEFAULT&msg=31210.7#a31210_7" target="_self">31210.7</a></div> <div class="message_body"> <div class="quotetext" id="quote"><b>quote: </b></div><div class="quote">I have student loan and overdraft, but no credit cards ( THUS I WAS NOT REPRESENTED <span class="emoticon e_csad" title=":C"><span class="e__">:C</span></span> ).</div><br /> Meh, an interest free student overdraft is counted as a student loan for the purposes of this poll <span class="emoticon e_wink" title=";-)"><span class="e__">;-)</span></span><br /> <br /> So, so far it seems that most people are in 'sensible' debt, i.e. investment type debt rather than everyone borrowing on their credit card to the limit in order to buy flat screen TV's and the like.<br /> Sort of what I expected given the forum population, but I do wonder how many people there are like that about.<br /> <br /> And a narrowboat? I have to admit, that's an idea I've never had!<br /> <br /> Personally I'm always 'in debt' on my credit card, but never pay any interest on that as I pay it off in full every month - I use it instead of cash all the time as its easier, and doesn't cost me anything. I have a mortgage of just over 100k (well, a shared mortgage) but I've managed to clear my student loan (April this year) and apart from a short-lived car loan a few years back I've not really borrowed any other money.<br /> <br /> I've got some saving in my ISA that will be almost wiped out by my dental bills early next year, but fortuantely am still managing to save a fair bit each month. </div> <div class="message_footer"> <div class="message_footer_links"><a href="lpost.php?webtag=DEFAULT&reply_to=31210.10&return_msg=31210.7" class="reply"><span class="image post"></span>Reply</a></div> <div class="message_vote_form" data-msg="31210.10"> <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_11"></a><div class="message" id="message_31210_11"> <div class="message_header"> <div class="message_from"> From: Voltane<span class="message_time">16 Nov 2006 12:20</span> <div class="clearer"></div> </div><div class="message_to">To: Radio <span><span class="image post_read" title="Read: 16 Nov 2006 12:54"></span></span> <span class="message_count">11 of 48</span><div class="clearer"></div> </div> </div> <div class="message_links"> <a href="lmessages.php?webtag=DEFAULT&msg=31210.11">31210.11</a> In reply to <a href="lmessages.php?webtag=DEFAULT&msg=31210.7#a31210_10" target="_self">31210.10</a></div> <div class="message_body"> <p>I'm probably the worst one here.</p> <p> </p> <p>If debt is a pool i'm 6 miles underwater.</p> <p> </p> <p>My debts include loans (bank and student), credit cards (still paying off despite not having used one in nearly 2 years), and overdraft.</p> <p> </p> <p>Even if I put every penny I earnt into paying off my debts it would take me over 4 years to pay it off.</p> </div> <div class="message_footer"> <div class="message_footer_links"><a href="lpost.php?webtag=DEFAULT&reply_to=31210.11&return_msg=31210.7" class="reply"><span class="image post"></span>Reply</a></div> <div class="message_vote_form" data-msg="31210.11"> <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_12"></a><div class="message" id="message_31210_12"> <div class="message_header"> <div class="message_from"> From: THERE IS NO GOD BUT (RENDLE)<span class="message_time">16 Nov 2006 12:34</span> <div class="clearer"></div> </div><div class="message_to">To: Voltane <span><span class="image post_read" title="Read: 16 Nov 2006 18:49"></span></span> <span class="message_count">12 of 48</span><div class="clearer"></div> </div> </div> <div class="message_links"> <a href="lmessages.php?webtag=DEFAULT&msg=31210.12">31210.12</a> In reply to <a href="lmessages.php?webtag=DEFAULT&msg=31210.7#a31210_11" target="_self">31210.11</a></div> <div class="message_body"> <div class="quotetext" id="quote"><b>quote: </b></div><div class="quote">I'm probably the worst one here.</div><br /> I would dispute that claim. </div> <div class="message_footer"> <div class="message_footer_links"><a href="lpost.php?webtag=DEFAULT&reply_to=31210.12&return_msg=31210.7" class="reply"><span class="image post"></span>Reply</a></div> <div class="message_vote_form" data-msg="31210.12"> <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_13"></a><div class="message" id="message_31210_13"> <div class="message_header"> <div class="message_from"> From: Wattsy (SLAYERPUNX)<span class="message_time">16 Nov 2006 13:02</span> <div class="clearer"></div> </div><div class="message_to">To: Radio <span><span class="image post_read" title="Read: 16 Nov 2006 13:29"></span></span> <span class="message_count">13 of 48</span><div class="clearer"></div> </div> </div> <div class="message_links"> <a href="lmessages.php?webtag=DEFAULT&msg=31210.13">31210.13</a> In reply to <a href="lmessages.php?webtag=DEFAULT&msg=31210.2">31210.2</a></div> <div class="message_body"> <p>Well I have a mortgage and a car loan, I dont have any creditcards (they are the root of all money evils) and a few items that I am paying back monthly (really should sort them out as well)</p> <p> </p> <p>Still I have lots of money left to buy nice things for wifey and keeps me drunk most weekends.</p> <p> </p> <p>I do wish there was a quick and easy way of paying off the car loan without resorting to robbery or selling the car.</p> <p> </p> <p>Perhaps we have some local animal pervs I can pimp out teh cat.</p><div class="edit_text">EDITED: 16 Nov 2006 13:04 by SLAYERPUNX</div> </div> <div class="message_footer"> <div class="message_footer_links"><a href="lpost.php?webtag=DEFAULT&reply_to=31210.13&return_msg=31210.7" class="reply"><span class="image post"></span>Reply</a></div> <div class="message_vote_form" data-msg="31210.13"> <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_14"></a><div class="message" id="message_31210_14"> <div class="message_header"> <div class="message_from"> From: ian<span class="message_time">16 Nov 2006 14:14</span> <div class="clearer"></div> </div><div class="message_to">To: Radio <span><span class="image post_read" title="Read: 16 Nov 2006 15:54"></span></span> <span class="message_count">14 of 48</span><div class="clearer"></div> </div> </div> <div class="message_links"> <a href="lmessages.php?webtag=DEFAULT&msg=31210.14">31210.14</a> In reply to <a href="lmessages.php?webtag=DEFAULT&msg=31210.1">31210.1</a></div> <div class="message_body"> Just the Student Loan. I do have £179.92 owed on my Credit Card, but by coincidence (if that's what it is) I am just about to pay that off now via the wonders of online banking. Oh, and I owe my mate 20 quid.<br /> <br /> It does amaze me how some people get into debt. I know some people can't help it or whatever but others just seem irresponsible to me. One of my brothers friends just took out a big loan for some seemingly unnecessary new car, and a recent[ish] discussion with a <i>friend</i> of mine about her debts and how she still keeps buying things left me quite shocked! </div> <div class="message_footer"> <div class="message_footer_links"><a href="lpost.php?webtag=DEFAULT&reply_to=31210.14&return_msg=31210.7" class="reply"><span class="image post"></span>Reply</a></div> <div class="message_vote_form" data-msg="31210.14"> <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_15"></a><div class="message" id="message_31210_15"> <div class="message_header"> <div class="message_from"> From: Bryan (TWISTER)<span class="message_time">16 Nov 2006 15:51</span> <div class="clearer"></div> </div><div class="message_to">To: ian <span><span class="image post_read" title="Read: 16 Nov 2006 15:53"></span></span> <span class="message_count">15 of 48</span><div class="clearer"></div> </div> </div> <div class="message_links"> <a href="lmessages.php?webtag=DEFAULT&msg=31210.15">31210.15</a> In reply to <a href="lmessages.php?webtag=DEFAULT&msg=31210.7#a31210_14" target="_self">31210.14</a></div> <div class="message_body"> But these days it's rammed down your throat.<br /> <br /> Have a credit card...here have another...<br /> <br /> Now have a store card...oh what the hell have another one.<br /> <br /> Spend spend spend.<br /> <br /> You need a lot of will power to NOT get these. It's all to easy.<br /> <br /> People get in debt upto their eyeballs. By comparison I'm not in that much debt, but still more than enough for me.<br /> <br /> Now the government have introduced these IVA things and people can write off a lot of what they owe. The retailer or whatever now loses out and charges and interest go up for everybody else to compensate.<br /> <br /> I am at least attempting to clear my debts.<br /> <br /> Bryan<br /> <br /> <hr /> </div> <div class="message_footer"> <div class="message_footer_links"><a href="lpost.php?webtag=DEFAULT&reply_to=31210.15&return_msg=31210.7" class="reply"><span class="image post"></span>Reply</a></div> <div class="message_vote_form" data-msg="31210.15"> <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_16"></a><div class="message" id="message_31210_16"> <div class="message_header"> <div class="message_from"> From: Radio<span class="message_time">16 Nov 2006 15:57</span> <div class="clearer"></div> </div><div class="message_to">To: Bryan (TWISTER) <span><span class="image post_read" title="Read: 16 Nov 2006 16:05"></span></span> <span class="message_count">16 of 48</span><div class="clearer"></div> </div> </div> <div class="message_links"> <a href="lmessages.php?webtag=DEFAULT&msg=31210.16">31210.16</a> In reply to <a href="lmessages.php?webtag=DEFAULT&msg=31210.7#a31210_15" target="_self">31210.15</a></div> <div class="message_body"> <p>That's the one thing that amazes me, that people can have a good portion of their debt written off, yet seemingly not have to give back the items that they bought while accruing that debt.<br /> Its similar to benefit cheats who con the government out of thousands, then cry poor when caught and end up agreeing to pay it all back, but at something stupid like 20p a week, with no interest incurred.</p> </div> <div class="message_footer"> <div class="message_footer_links"><a href="lpost.php?webtag=DEFAULT&reply_to=31210.16&return_msg=31210.7" class="reply"><span class="image post"></span>Reply</a></div> <div class="message_vote_form" data-msg="31210.16"> <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="31210.17" dir="ltr" /><input type="submit" name="submit" id="keep_reading" value="Keep reading…" class="button" /></form></li> </ul> </div> </div> </body>