Posted by Miss UK
On 2008-02-14 04:56:56, themarques wrote:
On 2008-02-13 15:52:35, Miss UK wrote:
i'd rather not take any help off DSS if I can atm it just pays my bills it doesn't pay for nothing else..
Personally I think you making a mistake there but not taking any help from the DSS if you are owed.
There is an old saying in business which goes "dont use your money, use someone elses" I suggest you start taking any benefits you are owed (you not doing anything wrong) and saving what you can an investing it at a later stage.
You've paid your taxes so make the most of it.
Im doing that currentley using the DSS but the way I see it is I paid tax so yes im entitled, I just want a good paid job cos I feel like a Poor person on the DSS atm lol you just can't buy nothing you want after bills and rent im not critising it it helps but i'd ratjher have a job that way im earning £250 ish a week I don't know how some people could not work and rely on this cos it's so depressing
Sammy, you will have to looking at all the new phone threads,
you have a phone just think to yourself it's better then everyone elses and you don't need something that has a huge screen or a satlelite tv hanging of the end of it!
Get away from those watches,
your not in debt yet but try and look after your exspendenture wisely!
im getting to grips now that I cannot buy anything anymore,
I have to save up for a flat and stuff for it.
My mom done me a favour kickin me out I guess lol
it's made me think twice
Posted by baconnugget
what is DSS?
Posted by Nanu
On 2008-02-15 07:14:20, baconnugget wrote:
what is DSS?
It's the new handheld gaming system by Nintendo to replace the DS Lite!
Posted by max_wedge
On 2008-02-15 07:14:20, baconnugget wrote:
what is DSS?
As Nanu says
, or Department of Social Security which is what I think Miss UK was refering to
I'm in huge debt atm, but I still manage to find ready cash to buy myself (some) of the toys I want now and then. I own my car and all my possessions outright, the debt is from past mistakes.
You gotta enjoy life as well as work at it
Miss UK, you are an absolute trooper and I fully respect your positive attitude despite your family's being so mean to you and being kicked out on the street. I have been kicked out of home before too, partly my own fault but I also think they over-reacted bigtime. Like you I also think they did me a favour ultimately. Don't take it to heart, your family always keep loving you even if they find it hard to show it
Posted by Miss UK
DSS is where you claim income,
people of the UK are entitled to it if there out of work or earning a low wage hope you understand now
it's not a Nintendo DS .. LOL Nanu what are you like
I don't get why my mother kicked me out it was prob the Menopause,
I visit her occassionally I do think she regrets what shes done,
but she done me a huge favour, im not living in a decent area and away from the ghetto so that is something to smile about
When ive got my flat and working I intend on taking out a Mint card with 15months free then when im working all i have to do is repay that back when before them months are up!
ive worked everything out,
I just need a decent paid job atleast i'll be happy!
I have a mad urge to look at To Let properties atm and wish I lived in them everyone ive seen so far I wanna move into it
HELP lol
I can't wait to have my own place btw..
I haven't any major debts btw im doing well not to buy anything,
even though you lot keep blabbering on about all this new technology I just think to myself I don't need it don't get me wrong i'd love a N95 8GB but a flats better
Posted by max_wedge
Yep, N95 has everything except the kitchen sink... (and the rest of the kitchen, lounge, bedroom etc)
One week sleeping under bridges, or no N95.. which to do...?
Posted by baconnugget
when u got kick out did the council give u temporay accomadation? where did u go for help finding housing?
Posted by Sammy_boy
Edit: spam post I was referring to has been deleted!
[ This Message was edited by: Sammy_boy on 2008-02-17 20:52 ]
Posted by Miss UK
I actually bought a N95 before I got kicked out...
I regretabley sold it a month later
but thats the way it goes
Im staying with a friend and there mother,
thins ain't to good with the mother mind but im trying very
hard to get out lol
im registered on Council eack week you can bid on properties with there new scheme Dudley at home,
im just trying to get a job so I can get some cash in the meantime !
Posted by A L 3 X
On 2008-02-18 01:04:55, Miss UK wrote:
I actually bought a N95 before I got kicked out...
I regretabley sold it a month later
but thats the way it goes
Im staying with a friend and there mother,
thins ain't to good with the mother mind but im trying very
hard to get out lol
im registered on Council eack week you can bid on properties with there new scheme Dudley at home,
im just trying to get a job so I can get some cash in the meantime !
i regret selling mine tbh kerry(long time since i talked to you btw)
i aint too bad myself, i can save-up if i want to and spend when i want....but recently i've been going pretty balls-out spending cahs on the car lol
Posted by Miss UK
longtime I know Alex an im still not working
alot of things have happened in my life btw which im happier for
I just paid my bills for this month online,
if I can find another £35 spare later down the month i'll stick it back on my credit card, im so determinded to get that thing outta me face lol
they increased my Credit upto £5,000
Posted by A L 3 X
On 2008-02-18 01:39:00, Miss UK wrote:
longtime I know Alex an im still not working
still?....ur not looking hard enough lol
alot of things have happened in my life btw which im happier for
good to hear, anything in particular?
they increased my Credit upto £5,000
is that your limit or something?
Posted by Miss UK
Moving outta West Bromwich (Dump) lol
not being told what to do anymore
yeah thats my limit
Posted by max_wedge
On 2008-02-18 02:01:25, Miss UK wrote:
not being told what to do anymore
I'm 40 and this is still the Number One reason I like living on my own! No matter how old you get parents still wanna run your life
Posted by Miss UK
Thats the whole point,
my mother keeps backstabbing me cos she has no money anymore she chucked me out i'll be darned if she thinks im helping her in any way,
she should swap her 3 bedroom house for a smaller one but she wont lol
Has anyone watched "Bank of Mum & Dad"?
its normally on UKTV STYLE btw 11pm and 12midnight
it's quite a shocking watch tbh
Posted by haynesycop
I've been a good girl and paid my credit card off and cut it up, just the debit card now. Not long before the letters arrive saying they've upgraded the limit, silly silly banks.
Posted by Davo_169
i love not having any resposibilities, at least for a little while longer. I'm only 21, i've worked and partied and bought random junk for the past 3 years and have loved every minute of it, freinds of mine are finishing uni and getting well paid jobs but they are miserable in their chosen profession, i believe it's the best way to leave school and have a few years off before going to school.
Money is not important to me, i'd rather be in a job i enjoy on meager pay than sitting behind a desk with a stomach ulcer from stress the rest of my life.
Posted by haynesycop
Exactly, uni was not for me at all i went when i was 21 when all my friends finished college and went straight to uni and graduated just as i was starting. Glad i tried it but it was a waste of time especially in the degree i did and lecturers not turing up or leaving early to pick their kids up, no joke that either. It's an obscene amount of money to pay for what you get. Life is all about enjoying yourself and having a good time.
Posted by Miss UK
On 2008-06-06 15:40:53, haynesycop wrote:
I've been a good girl and paid my credit card off and cut it up, just the debit card now. Not long before the letters arrive saying they've upgraded the limit, silly silly banks.
Wanna pay mine ff for me
not much £600
When ive my foot in the door at the Charity shop where im starting work i'll pay it off, ive been promised it could lead to fulltime so..
if it doesn't im only using the experience so I can apply for work within stores whilst im there anyway.
to get me kitted out though I need new spec's and new shoes dang specs are costing me £125 FCUK from Specsavers buy 1 get 1 free,
and shoes well those are hacking me off seriousley finding a
comfy pair is a hard job
Ohh for some odd reason my min payment for my card had gone down from £25 to £17.50 anyone elses gone down too?
Posted by Caspa
Does my morgage count?
If so, i've got over 150k in debt, if not, i've got no debt!
I didnt go uni either so i'd say thats what starts most people on the road to life in debt!
Posted by Miss UK
Of course it counts,
what are the repayments pcm that your paying?
have you spoken to anyone about getting any help?
or perhaps advertising a room for rent?!
seems to be alot of people in debt over this atm,
rented accomadation is going up due to so im told,
this bloomin country ehh!
Labour need to be sent packing
Posted by Caspa
no rooms to rent, one bed flat!
no worries though as its an investment and i need somewhere to live!!!
you dont wanna know what my repayments are, lets just say its a good job im paid well.
im not actually having any financial difficulties to be honest, just wondered if it counts!
Posted by weirdwilli
I owe my brother £2.50, and half of a Panini to a friend...
But someone owes me £2 for loosing at naughts and crosses...
Posted by Miss UK
On 2008-06-14 19:28:00, Caspa wrote:
no rooms to rent, one bed flat!
no worries though as its an investment and i need somewhere to live!!!
you dont wanna know what my repayments are, lets just say its a good job im paid well.
im not actually having any financial difficulties to be honest, just wondered if it counts!
Hmm, I think you could get yourself on a
council list if that would help you out?
with those now you have to bid on properties that your intrested in online the one with the most points wins saft way I know
btw your so darn lucky to have a well paid job,
I know I start in a new role soon but im also worried how im gunna cope with Bills all the ultilities etc..
good job im not a party animal or don't drink I swear it would be worse then
ive been thinking about getting a loan to pay my credit card off off my bank dunno what the repayments are though anyone know if it's wise doing this?
Posted by Bonovox
I used to have £3000 worth of debt now paid off and completely debt free now. It was a huge weight from my shoulders and i celebrated when it was paid off. Never will get into debt again it depressed me though these days £3000 is not much. Now i save if i want something. Sensible but i feel free now.
Posted by Bonovox
I forgot to say that after paying off my debts i took a long look at myself and thought most of the things i bought i just did not need. Its ok to have nice things in life but sometimes if you are spending and spending perhaps stop and take a look at your life to see if something is missing. Is there a reason why you keep doing it perhaps the things you buy is to compensate for something thats missing. Thats how i seen my life now i spend more time with family friends and enjoying more simple things in life though i still love to buy nice phones but i save for them. One word of warning though is about LloydsTSB. I knew someone who had a bad debt with them plus with others but LloydsTSB were the worst regarding hounding you. They never give up they are so persistant and i was told if you have a bad debt with them they will always persue it in court. Some creditors give up but not Lloyds. I hate them.
Posted by Caspa
Its amazes me that in todays current ecomnomic climate, Abbey have decided to (out of the blue) offer me a £1950 overdraft!!! These financial instututions cant help themselves, and unfortunately alot of consumers cant either!
@Miss UK
with regards to the loan, it can be a better option due to lower interest rates, but you'd need to do a direct comparison between the two to be sure, i.e. how long would it take you to pay off the card as it is and how long would the loan be for, so what are the totals repayed inclusive of interest. If you do go down the loan route, you must not begin to use the card again as that when people start to dig themselves into a whole!!!
I've never been in debt apart from my morgage, but i did overspend and waste money when i was younger. Buying stuff i didnt need or simply spending excessively partying! (£200 a night, disgraceful)
Im much more grounded these days (thanks to Islam),im t-total and i no longer want to be filthy rich just comfortable and happy.
the above post is spot on also!!!
[ This Message was edited by: Caspa on 2008-06-19 10:55 ]
Posted by Bonovox
The thing that i love to do more than anything these days is travel. Whilst that costs money i do have a decent job but save for my travels. I enjoy simple things like enjoying being by the sea in beautiful places and not spending money on stupid things needlessly.
Posted by Miss UK
I cranked up my debt after getting my flat,
now im determined to get it down,
in theory it would take 2yrs to pay it of at £30 a month which is why I must have a well paid job,
luckily I should be getting some training soon at college to re-enter a course I mis-made the mark for :/
I really think labour need to go there bringing the uk down,
Recession which they say were outta?
and how many unemployed? still millions
if they made a effort tohelp people get back to work im pretty sure our economy would come out of this mess
Rant over!
Posted by Bonovox
My god Kerry you have some of the longest lasting threads on here.
Posted by Miss UK
I guess I do,
I bookmark them and when i get round to de-cluttering they come about again haha
Posted by procterdc
On 2007-12-20 12:20:17, procterdc wrote:
I'm not too bad with my money. I don't have much left over each month after paying my mortgage etc but I don't have a credit card, and luckily i don't use my overdraft.
I thank my parents for it really, they tought me how to utilise my money, and thankfully i've always repayed any money i've borrowed off them.
Sorry to hear some people have debts and I hope everything gets sorted asap.
My my, how two and a bit years changes everything lol.... I am now about £3k in debt including credit card, but thats because I bought a new house, worked it out that in about 6 months i shall be debt free once again (unless I buy something silly like a new car)