Thats what's wrong with the world, if people don't need to pay debts off then they don't. Is it any wonder the economy is in such a state of disarray when there are millions of pounds of student debt they people aren't paying back because they don't have to. I don't mean pay it off in a lump sum but even in instalments ÂĢ20k is a lot easier to pay back than ÂĢ40k.
Sorry but exactly what point are you trying to make - I'm confused. I am not refusing to pay my debt I pay it according to the rules - the proble with this country is people living beyond their means - they are in a situation that a 2.5% VAT increase can cripple them - that is the problem. Greed is a major problem in this country - people were too greedy in the boom years and they can't afford to pay for it now!
I have enough booze from xmas to last a while, im not worrying 
I think people have every right to moan! Its all right saying people should stop moaning when you don't have to worry about finances, and clearly you don't pretty p, or you wouldn't be making these comments, And as for the 'wages going up' to accommodate it: I think you should get your facts straight! My OH has not a pay rise in 3 years and the same goes for many many people, in fact some have had to agree to a pay freeze and even a pay CUT to keep their job. And since when did VAT go up 'most years?' Where on earth are you getting your information from?
The energy bills have gone up, council tax water rates, food, petrol and other necessities are expensive too. And yes, people DO need petrol! Many many people do need a car. It's all right for those that can do without one, but some can't. Many many people are affected by this VAT rise badly, when they can already hardly afford to live!
And it's a massive sweeping generalisation to assume 'everyone' who is hacked off about the VAT rise is 'living beyond their means' and maxed out with loans etc... some people are NOT in debt, but are still struggling financially. But hey, why deal with facts, when we can work on flimsy assumptions and sweeping generalisations?!
The energy bills have gone up, council tax water rates, food, petrol and other necessities are expensive too. And yes, people DO need petrol! Many many people do need a car. It's all right for those that can do without one, but some can't. Many many people are affected by this VAT rise badly, when they can already hardly afford to live!
And it's a massive sweeping generalisation to assume 'everyone' who is hacked off about the VAT rise is 'living beyond their means' and maxed out with loans etc... some people are NOT in debt, but are still struggling financially. But hey, why deal with facts, when we can work on flimsy assumptions and sweeping generalisations?!
the proble with this country is people living beyond their means - they are in a situation that a 2.5% VAT increase can cripple them - that is the problem.
ïŧŋ
that's a problem the world over 
I made a similar point to a group of friends a few weeks ago and one of them took major issue with me, saying that everyone was going on the basis that the money was going to last and that justified them borrowing beyond their means. On planet Cuckoo maybe 
ïŧŋ
that's a problem the world over I made a similar point to a group of friends a few weeks ago and one of them took major issue with me, saying that everyone was going on the basis that the money was going to last and that justified them borrowing beyond their means. On planet Cuckoo maybe 
Reference: pretty_p
I personally couldn't care less about how much student debt I have and tbh most of the people I know don't give it a second thought There is no point paying it off in one lump sum jut wait until ithas to be paid - earning the min of ÂĢ15,000 now would result in re-payment of around ÂĢ3 a month - hardly worth losing sleep over.
That's because your student loan is being subsidised by the government (i.e. tax payers).And yet you seem to have a problem with others who have taken out loans, maybe for a car, or an extension, and who are now having difficulties due to pay freezes and a rising cost of living.
If you can't afford to go to Uni without running up a debt then don't go....Do not do it if it is beyond your means!
Excellant post sparkles. 
Reference: Croc
If you can't afford to go to Uni without running up a debt then don't go....Do not do it if it is beyond your means!
Yes, save up for a few years, or maybe until you're about 40, and then go to Uni!
If you can't afford to go to Uni without running up a debt then don't go....Do not do it if it is beyond your means!
It isn't beyond my means - I can comfortably afford to re-pay this loan according to the terms and conditions I signed up to. Unfortunately there are many people in this country who have taken outloans which they simply can't afford to re-pay according to the terms and conditions they signed up to.
It isn't beyond my means - I can comfortably afford to re-pay this loan according to the terms and conditions I signed up to. Unfortunately there are many people in this country who have taken outloans which they simply can't afford to re-pay according to the terms and conditions they signed up to.
My niece was on the phones today at the SLC.(Triple time as it's a public holiday in Scotland)..she feckin' hates it. Oh and it does not bode well when she says loads of the students etc don't even know how to fill in a form properly or spell correctly.
Oh and it does not bode well when she says loads of the students etc don't even know how to fill in a form properly or spell correctly.
Sparkles in response to your earlier post:
1. No I don't have to worry about my finances and that i because I don't live my life on credit which far too many people in this coutry do these days.
2. You may wish to re-read the post where I supposedly said VAT increases most years - there you will say cost of living and inflation change most years NOT VAT.
3. Some of us would love to be able to have to worry about petrol however as I refuse to live beyond my means that is something I don't needto worry about.
4. I have not once said that everyone upset about the VAT rise is living beyond their means - in fact if you could quote me on that it would be much appreciated.
All I ask is of you are going to have a go at me please read my posts first as it's a little embarassing when someone has a go at you with incorrect facts and quotes.
1. No I don't have to worry about my finances and that i because I don't live my life on credit which far too many people in this coutry do these days.
2. You may wish to re-read the post where I supposedly said VAT increases most years - there you will say cost of living and inflation change most years NOT VAT.
3. Some of us would love to be able to have to worry about petrol however as I refuse to live beyond my means that is something I don't needto worry about.
4. I have not once said that everyone upset about the VAT rise is living beyond their means - in fact if you could quote me on that it would be much appreciated.
All I ask is of you are going to have a go at me please read my posts first as it's a little embarassing when someone has a go at you with incorrect facts and quotes.
My niece was on the phones today at the SLC.(Triple time as it's a public holiday in Scotland)..she feckin' hates it.
Oh and it does not bode well when she says loads of the students etc don't even know how to fill in a form properly or spell correctly.
?????????
Oh and it does not bode well when she says loads of the students etc don't even know how to fill in a form properly or spell correctly.?????????
Reference: pretty_p
1. No I don't have to worry about my finances and that i because I don't live my life on credit which far too many people in this coutry do these days.
Apart from your student loan?
PP she works for the Student Loan Company (SLC) She was also a student herself.She owes money to the bloody mob she works for...ironic in a way,they don't pay her enough to recoup some of her debt.Oh and no tuition fees in Scotland either.
Reference:
You may wish to re-read the post where I supposedly said VAT increases most years - there you will say cost of living and inflation change most years NOT VAT
You said wages generally increase to meet inflation. That's not right either. But hey ho, why try and introduce hard core facts when we're floating around in your oblivious bubble!
*nibbles bread crusts*
Oh and one ? would have been enough.That suffices as a question.
Oh and one ? would have been enough.That suffices as a question
9 is better!!
9 is better!!
Reference:
Oh and one ? would have been enough
She lives within her means and does not believe in excess. Except where question marks and exclamation marks are concerned.
I do sometimes wonder if Pretty_p is really Margaret Thatcher.
I just logged on to say...Here we go AGAIN!!!!... PP starts a thread and almost everyone picks on her..
...She has an opinion..If you don't agree with it..why get personal?.we all have a right to comment, but to criticize, and always put pp down makes for very uncomfortable reading!!!...If you don't agree with me, read the thread back......
...She has an opinion..If you don't agree with it..why get personal?.we all have a right to comment, but to criticize, and always put pp down makes for very uncomfortable reading!!!...If you don't agree with me, read the thread back......
PP on page one you said I was giving you personal insults which I did not think I did but I appologised as I dont like upsetting anyone and left the thread, you were quick enough to tell me it is a shame you were not quick enough to accept my apology you just ignored it ..I find that very rude.
PP on page one you said I was giving you personal insults which I did not think I did but I appologised as I dont like upsetting anyone and left the thread, you were quick enough to tell me it is a shame you were not quick enough to accept my apology you just ignored it ..I find that very rude
For that I apologise - I didn't respond as you said you were leaving the thread therefore I saw little point in raising the issue again. Your apology was accepted and please accept my apology for not saying so sooner.
For that I apologise - I didn't respond as you said you were leaving the thread therefore I saw little point in raising the issue again. Your apology was accepted and please accept my apology for not saying so sooner.
I just logged on to say...Here we go AGAIN!!!!... PP starts a thread and almost everyone picks on her..
...She has an opinion..If you don't agree with it..why get personal?.we all have a right to comment, but to criticize, and always put pp down makes for very uncomfortable reading!!!...If you don't agree with me, read the thread back......
Thank you - makes me laugh though there are certain people I ignore regardless not yet they still carry on - laughable really.
...She has an opinion..If you don't agree with it..why get personal?.we all have a right to comment, but to criticize, and always put pp down makes for very uncomfortable reading!!!...If you don't agree with me, read the thread back......Thank you - makes me laugh though there are certain people I ignore regardless not yet they still carry on - laughable really.
Apology accepted thank you
I've read the thread too Lal. .nobody is picking on PP . .they are debating her points tho. .and so far all have disagreed with them, which she doesn't seem to like. .if that is picking on somebody then I give up..
Even the person she said was insulting to her hadn't been ..I reread their post a few times and saw no insult at all.... yet that person apologised and it was ignored. EDIT : until now
Pp plays the victim. .a lot..
or she logs out [and possibly logs back in under another name who knows] and sits and laughs at her latest controversial thread and how she wound the forum up yet again..
all of the above paragraph is supposition on my part but my opinion is that she is a forum flamer and likes to see what mayhem she can create.. . . works every time
Even the person she said was insulting to her hadn't been ..I reread their post a few times and saw no insult at all.... yet that person apologised and it was ignored. EDIT : until now
Pp plays the victim. .a lot..
or she logs out [and possibly logs back in under another name who knows] and sits and laughs at her latest controversial thread and how she wound the forum up yet again..
all of the above paragraph is supposition on my part but my opinion is that she is a forum flamer and likes to see what mayhem she can create.. . . works every time
Reference:
or she logs out [and possibly logs back in under another name who knows] and sits and laughs at her latest controversial thread and how she wound the forum up yet again.. all of the above paragraph is supposition on my part but my opinion is that she is a forum flamer and likes to see what mayhem she can create.. . . works every time
*agrees with Olly*
Oooh how splendid, the first Hevva wind up of the year
I just logged on to say...Here we go AGAIN!!!!... PP starts a thread and almost everyone picks on her.....She has an opinion..If you don't agree with it..why get personal?.we all have a right to comment, but to criticize, and always put pp down makes for very uncomfortable reading!!!...If you don't agree with me, read the thread back......
....erm, but she's not being picked on....at all. She brought up a point to which a fair few disagree with her about. PP keeps quoting what we say, which means we need to reply to further make our points.
...She has an opinion..If you don't agree with it..why get personal?.we all have a right to comment, but to criticize, and always put pp down makes for very uncomfortable reading!!!...If you don't agree with me, read the thread back..........erm, but she's not being picked on....at all. She brought up a point to which a fair few disagree with her about. PP keeps quoting what we say, which means we need to reply to further make our points.
Reference:
we are not happy in this country unless we are moaning about something. VAT has increased and don't we know it - fgs some people need to get a grip and realise it is only a 2.5% increase - you spend ÂĢ10.00 on something it will cost 25p more that is all - hardly headline news!!
It's not just 25p in every ten pound though, it's all the cuts on top that's going to hit the poorest in society. Although food and children's clothing are exempt in this latest rise, those items will in fact rise because of the fuel hike. The average family will be nearly 400 pound a year down with the vat rise alone, and if you're on a minimum wage that's a hell of a blow.Anyone with a social conscience can see it's very unfair to the poorest in society.
Anyone with a social conscience can see it's very unfair to the poorest in society
Isn't it obvious? If they can't afford bread, let them eat cake!
People used to earning ÂĢ200 a day, getting a mortgage on that salary, perhaps a car loan, no fantastic holidays, not running up credit card debt suddenly made redundant and expected to pay everything on ÂĢ200 a fortnight. It's not living beyond one's means, but being forced to try and keep it all together on 10% of what they were earning.
Suppose I need a new boiler - I have to pay the VAT on that. It's not a luxury, it's a neccesity. Or there is a storm that knocks all the tiles off my roof and it's not covered by insurance, that's building work that is not a luxury but I still have to pay VAT on it.
Oh, how I wish I were a banker!
Isn't it obvious? If they can't afford bread, let them eat cake!
People used to earning ÂĢ200 a day, getting a mortgage on that salary, perhaps a car loan, no fantastic holidays, not running up credit card debt suddenly made redundant and expected to pay everything on ÂĢ200 a fortnight. It's not living beyond one's means, but being forced to try and keep it all together on 10% of what they were earning.
Suppose I need a new boiler - I have to pay the VAT on that. It's not a luxury, it's a neccesity. Or there is a storm that knocks all the tiles off my roof and it's not covered by insurance, that's building work that is not a luxury but I still have to pay VAT on it.
Oh, how I wish I were a banker!
Reference:
Oh, how I wish I were a banker!
and I agree Suzi, not everyone lives beyond their means, I've never had a credit card in my life and if I can't afford it, I don't buy it!
I think we should all stop taking the bait...
quote:If you can't afford to go to Uni without running up a debt then don't go....Do not do it if it is beyond your means!
A bit like me Suzy. I had to have a new boiler last year and had to take out a loan for it, simply because the crap wages I had and then being made redundant was what I was living on. And now, my house needs repairs It's going to be even harder for me to pay for them. I do have a credit card, which helps to pay for things but know my limit and stop spending when I think I'm getting anywhere near it .
and I agree Suzi, not everyone lives beyond their means, I've never had a credit card in my life and if I can't afford it, I don't buy it!
It's easy to sit back in the comfort of your warm, cosy home and ignore what is happening to everyone else because your own life is great. The people that I really feel for are the OAPs that have to choose between a hot meal and a warm house. VAT has gone up, transport costs have gone up (I know OAPs have a bus pass, but that doesn't include the train fares), food costs are going up, fuel costs are going up - everything EXCEPT their pensions.
It's easy to sit back in the comfort of your warm, cosy home and ignore what is happening to everyone else because your own life is great. The people that I really feel for are the OAPs that have to choose between a hot meal and a warm house. VAT has gone up, transport costs have gone up (I know OAPs have a bus pass, but that doesn't include the train fares), food costs are going up, fuel costs are going up - everything EXCEPT their pensions.
Reference:
I just logged on to say...Here we go AGAIN!!!!... PP starts a thread and almost everyone picks on her.....She has an opinion..If you don't agree with it..why get personal?.we all have a right to comment, but to criticize, and always put pp down makes for very uncomfortable reading!!!...If you don't agree with me, read the thread back....
I meet ignorance with ignorance. Simples.
Reference:
the main things which don't have VAT are: Food bought in shops other than alcoholic drinks, confectionery, crisps and savoury snacks, food for catering or hot takeaways, ice cream, soft drinks and mineral water.
Errrrrrrrrrrrrrrm ...............there most certainly is VAT on hot takeaway - if there isn't then I'm due absolutely tens of thousands that I've paid to Customs and Excise over the past thirty years.El Loro ....................are you an accountant? Surely you know this?
It's not just 25p in every ten pound though, it's all the cuts on top that's going to hit the poorest in society. Although food and children's clothing are exempt in this latest rise, those items will in fact rise because of the fuel hike. The average family will be nearly 400 pound a year down with the vat rise alone, and if you're on a minimum wage that's a hell of a blow.
Anyone with a social conscience can see it's very unfair to the poorest in society.
Life's not fair!!
ÂĢ400 ove a year is not that much - amounts to just over ÂĢ7 a week. Once you remove the luxury items that people can live without out of that the figure is even lower - I'm not disputing that a minority of people will be hit hard but for the majority this is going to make little difference however it is the majority who are moaning.
Anyone with a social conscience can see it's very unfair to the poorest in society.
Life's not fair!!
ÂĢ400 ove a year is not that much - amounts to just over ÂĢ7 a week. Once you remove the luxury items that people can live without out of that the figure is even lower - I'm not disputing that a minority of people will be hit hard but for the majority this is going to make little difference however it is the majority who are moaning.
Reference:
It's easy to sit back in the comfort of your warm, cosy home and ignore what is happening to everyone else because your own life is great. The people that I really feel for are the OAPs that have to choose between a hot meal and a warm house. VAT has gone up, transport costs have gone up (I know OAPs have a bus pass, but that doesn't include the train fares), food costs are going up, fuel costs are going up - everything EXCEPT their pensions.
Totally agree, and I did word my reply to you wrong to.... when I said I hadn't had a credit card, I was just making a point that there's a heck of a lot of people out there not living beyond their means and will be struggling just to keep their houses warm and as you say a meal on the table.
I'm utterly appalled at the speed of the cuts with no thought to the poorest in society'. !7 of those Cabinet Ministers who are supporting this are millionaires and will never have the worry of those problems you have stated above. I have steam coming out of my ears!