This programme (C4 at 9 tomorrow ) looks like it might be interesting ....apparently we spend £7.5 billion a week ....and it will look at things “from big knickers to fidget spinners and the unicorn trend 
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A work colleague decided to go bankrupt cos she owed £6,000
I asked her how much she earned = £1,000 p/m
And so did her daughter and her husband
They were clearing £3,000 a month!!
Later they were sitting together and discussing all the stuff they bought for Xmas . They spent more than £1,000
Saint posted:A work colleague decided to go bankrupt cos she owed £6,000
I asked her how much she earned = £1,000 p/m
And so did her daughter and her husband
They were clearing £3,000 a month!!
Later they were sitting together and discussing all the stuff they bought for Xmas . They spent more than £1,000
That’s nuts Renton ....how can they get into debt with 3k a month coming in 
I know
She thought it was great to clear her debts
We all thought she was an idiot - will be blacklisted for mortgage, loans everything!!
I used to call her 'three thousand'
For next year (not to be greedy) I would like:
Clackers
Monopoly
Hi - vis cycling jacket
Baz posted:Saint posted:For next year (not to be greedy) I would like:
Clackers
Monopoly
Hi - vis cycling jacket
Ok , but you’ll have to be a good boy
Yes I will Aunty Baz 
Saint posted:A work colleague decided to go bankrupt cos she owed £6,000
I asked her how much she earned = £1,000 p/m
And so did her daughter and her husband
They were clearing £3,000 a month!!
Later they were sitting together and discussing all the stuff they bought for Xmas . They spent more than £1,000
This is a prime example of why I don't care for Xmas. For the vast majority of people it's about spending. Everything about the time is two polar opposites pulling against each other. On the one hand everything says spend, spend, spend and on the other we are bombarded by adverts telling us about people or groups in desperate need of our help and money. Tugging at our heartstrings. Then post Xmas it's all about the sales, again everyone is out adding to their already enormous Xmas debt.
I'll be honest, I can afford to spend stupid money at Xmas, but I am fortunate that my family have always had a budget, a budget that would never allow for gift giving on the scale of a Playstation, if you want something more expensive then you have to club together with another family member. No one in my family spends more than around £100 in total on all the other members combined ...and it works. No one has any debt and if you need anything in the sales you have a bit of spare cash to and buy it.
Now I'm reading that footfall for the sales in down and the retail industry feel they may be in for a tough 2018 given Brexit and all. That surely means redundancies. 
@Saint - I think your colleague should not be allowed to go bankrupt if she has the ability to service all of her debt. A third party should be able to take into account that this debt could be cleared in a short period of time.
EC I totally agree
I explained she could easily clear those debts but clearly at the rate she spends ... she can't. Or won't. She's classic 'consumer society'.
However I don't let what goes on around me influence how I feel.
Xmas is what you make it - not what others' make it
Xmas is wonderful - I ignore what others do
It may be that the debt was hers only, so one else's wages could not be taken into account (I didn't ask too much)
However she will pay the consequences of being blacklisted ... although will probably get round that by 'borrowing' via other family members.
And we pick up the debt
Baz posted:Big knickers ...now you’re talking
Baz posted:Yayyyyy I’m in fashion
Me too
Baz posted:I don’t like toblerone
Neither do I but hubby does
Baz posted:I think I might start knitting again ....might be soothing
I’ve got arthritis in some of my fingers otherwise I might have had another go at it
Baz posted:Yogi19 posted:Prosecco alert for you
I’m a Diet Irn Bru girl
Baz posted:Yogi19 posted:Anthony Joshua is gorgeous
I missed him ....
Evening Laydeez 
I have it on but I am doing three other things. 