Ginge !

your point ?, that aint why im better off at all,,, and you got a extra 1% discount off tax remember aswell as the cost of living less blah blah blah

im better off as i dont have the free time to do what i want like before,,,,, example i ment to be going essex meet,, 40 quid in fuel and say 20 quidish on drinks for me and the missus,, cant get someone to look after her so we are staying in,,,,, theres a extra 60 quid

THATS my point

Turbosystems

iTrader: (5)

ginge i kept a wife and 2 kids been there done that i now have two expensive teenagers still living with me in todays shit climate

Ginge !

tony im trying to point out they aint as expensive as people make on over all

hell i pay 135 quid a month council tax,,, thats ALWAYS gonna go up too ( mind it went down to 109 for the first 2 months as it was a error pmsl)

over all not as expensive and DEFFO worth the money,, the only thing im proud of is my little one, the only posative input in this world i have added is a child,,,, a kid who WILL be something with assistance to help her get there from me OBV

i cant see my little one costing more than my council tax

Porkie

iTrader: (1)

Tony.... give up mate

Arguing with Ginge can make a divorce seem painless!

Turbosystems

iTrader: (5)

the point i am trying to make is a 5 year old is cheap a 15 year old isn't you will see and if the wife fooks off when the child is 15 you will then be moaning rofol

Turbosystems

iTrader: (5)

i'd sooner debate with ginge than have another divorce
I have learnt alot about womens emotions and shall never divorce again thats because in order to get a divorce you must first get married.So no free piss up for any of the pf mob on me lol.hell I can't afford another marriage yet alone another divorce

Chip

iTrader: (3)

The point you are trying to make, ANYONE with a modicum of inteligence would understand, but you are trying to make it to GINGE.

I have a really simple point to make about cars being heavier than motorbikes, but I wouldnt try and explain to a plantpot as it has no capacity to understand, so I dont see why you cant use the same logic.

Turbosystems

iTrader: (5)

do you think if i hadn't had kids I could have had a nice glass bath panel

Ginge !

tony I AGREE with what you are saying,,,, BUT kids will have to accept what they are given meaning you give what you can

dont think you understand what i mean, kids what stuff but generally want simple things,,, and if they dont get it accept till they can wheres as adults we get its straight away OR get a loan/credit card

single parent i cant even IMAGINE the strain on that,,,, thats something i hope i never have to do at all but even if i was the only one now,,, well i would have NO chance so dont think im talking about your situation as i aint, im talking about mine AND what i cost as a kid for what i had as a child

Turbosystems

iTrader: (5)

don't think anyone can understand one of your posts

Ginge !

chip im talking from a person whos underpaid by 25 grand in london,, whos missus aint worked for 5 years due to having a child and ALSO has a child at home,,,,, so how CAN i be talking shite on a subject I AM PART OF

this aint me guessing,,,, this is me with my little one watching "max and ruby" whilst i type on a the pc

in the 5 years thats been had ive NEVER struggled to pay for her,,, EVER and i once was on 10 grand a year !!!

so you WITH NO CHILDREN are telling ME who has a child that IM talking shite,,,,, DO I LOOK LIKE IM STRUGGLING TO GET BY ffs,,,,, seriously do i ?

Turbosystems

iTrader: (5)

ginge when your child starts school make sure the wife goes back to work

Ginge !

tony if on 25k a year i can afford a morgage, STI impreza and insurace of 90 quid a month AND run it every day and STILL say a kid aint expensive,,,,,, how can i be talking shite ???

i comment on this as i here everyone saying " i cant, ive got a child and they cost money" so i have a child prepared myself for this BIG expence,,,,,, and shes not as much as i was expecting,, infact ALOT cheeper than i thought

Ginge !

shes been at school for a year, and the missus starts her job as a neonatal nurse in 6 weeks

shes been to college and my little one has been in private nursery when she was 2 years old,,,, that cost me 40 quid a week !!!, wasnt my little ones fault though so dont count that has HER expence

Turbosystems

iTrader: (5)

because your ginge and you always post shite
and chip says you talk shite and he is always right

Ginge !

ps: my missus is even cheeper to keep !!!, she dont want ANYTHING,,, seriously she aint bothered with stuff, she buys clothes when ever we are going out,,, when shes at home she chills in older clothes and dont complain,, aslong as we do holidays and theres money in the bank she aint worried at all,, shes ALWAYS been like that too im glad to say

maybe im just lucky ( wait for post in a few weeks where shes left me pmsl )

Turbosystems

iTrader: (5)

I married one like that she soon changed

Turbocabbie

I always thought you had to work to get somewhere in life, I've done it all, cleaning, bus driving among the seriously poor jobs I have had and I would do much worse if I had to without blinking.. I now have a very well paid job in IT with exceptional conditions. I worked towards getting this, I have no formal qualifications other than knowledge which was gained by hard work and effort.

The problem with this country is it makes it so easy to make excuses. If you have massive debt, here's a radical idea live within your means and save for the things you want.
If you want a better quality of living go out there and make it happen for yourself, do what it takes, do two or three jobs.

I can not help but wonder just how many broke and poverty stricken people on this forum, have a mobile phone, internet connection, Sky TV and so many other essentials

I changed my life, nobody told me I could not !

Ginge !

see being poor i know EXACTLY what i spend my cash on, my missus can tell you whats in my account every day and when i get paied, she knows when all the bills come out also and i deal with the general spending,,,, which we agree on and thats it

she aint got some shoe fettish, she likes clothes but not like she used to,,, infact she spends her money on things for me or Elise,, usually Elise so maybe thats why i dont think they cost alot of money

im prob the biggest drain on the family, when she starts work she could leave me and be BETTER OFF without me,,,,, seriously i aint kidding

Chip

iTrader: (3)

Ive got no kids of my own, but my ex did have, so I know the sort of costs involved, even stuff like a day out at legoland ends up being a 100 quid day out for a couple of kids an a couple of adults, it all depends if you want your child to be alive, or if you want your child to actually live an interesting childhood, as a lot of the things kids enjoy doing cost money, more so as they get older.
Even just stuff like clubs at school, and school trips, it all adds up, IF you do that for your kids, fair enough if all you do is provide basic food and shelter then im sure it can be done cheaply.

Turbosystems

iTrader: (5)

that'll soon change
as i said mine was just like yours years later when the kids became adolescent she became a shopaholic women very good at spending your money but none of their own lol

SiZT

sorry to hear about what a bitch your ex was tony, whats happening with the turbosystems premises as well? I saw it on the wall at robertsons a couple of weeks ago, tell me to piss off if I'm being nosey!!

Ginge !

ive been with her for 9 years, when i met her she had a few quid in the bank which she wasted VERY VERY quickly on silly things,,,, i think thats what changed her as she bought her brother a PS2 and then kept buying him games, bought her sister coppies of all her clothes,,,, oh and she also bought me a ERST AND a escort cabrio when i wrote the ERST off pmsl

she aint bothered with material things at all,,,, shes the BEST parent in the world, seriously is too and she puts up with me,,, does ANYTHING for me such as brings my phone to me when i leave it at home ( 2 busses to get to my work) will deal with the general every day running of the house and other things I dont have time to do ( gets my gym kit ready every morning, warm towels for the shower when i get home,, seriously the things i never notice she does so im VERY VERY lucky i know as i also have a kid whos cheep aswell

Lee Reynolds

I totally agree. My mum and dad both worked, dad long hours etc but we never had nothing....but we had our own house and a car and apart from a mortgage they owed nothing as the borrowed nothing. I never went abroad till i was 18 our holidays were at relatives or flats in skegness, morecambe etc....but we enjoyed it. People have TOO TOO much now and as soon as the going gets a little tough they moan there arses off slagging the government and talking about TAX like its a new thing. Things at the moment are no where near as mad as the mid eighties early nineties!

Ginge !

chip lego land can be done on a budget btw, tescos do vouchers each year for free entry, things like that are not a big expence IMO compared to a car show,,,, same amount of money also no ? oh and if your REALLY cheep you can always get a big breakfast in weatherspoons before you go in and carry drinks with you

me and me best mate do a " fathers day" with our kids every 6 to 8 weeks,, just to get our kids to know each other generally aswell as guy bonding with kids,

maybe its cause i just got the one kid perhaps but i wouldnt say there "expensive"

dojj

iTrader: (3)

you seem to be arguing again at cross poruposes

one guy who's bought up 2 kids from age 11 over teh past 10 years is going to have to have forked out more money than someone like ginge who hasn't forked out thatmuch for just the one

junior, when he was a little baby, averaged out at about Ł30 a week for the first year, and at about Ł35 a week for the second
the rate he's going tis year he's going to be hitting about the Ł45 a week mark
but i've also got to factor in that fact that he's nappy training so that's going to be a saving for me or about Ł16 a week to go towards something else he'll have decided to take up

i keep acurate records of expenditure so that i can tell him when he's being an ungratefully little cunt about how much he's cost me so far in his life

the same will happen for little madam as she's growing up

but these are the figures for me, from my own pocket, etc, etc, which are going to be totaly different to like likes of those spoilt little fuckers who you see on mtv's 16 program who come out with bollocks such as "i've already got a blue bmw that daddy bought me last year, and for my 16th birthday, i want to buy a pink hummer H3"

i mean, wtf?!?!!?

that twat has spent more money on one kid in one day than i've spent on both of mine in 2.5 years, but if he can afford it, then that's his loss

don't forget them kids that weigh 500 lbs at 15 years old, who pays to feed them when their parents are also broke and on the dole looking like scroungers?

different stroke for different folks

right, now i'm going to go home and see how my mums doing with her nonworking eye, if my brothers sent me that Ł10k he owes me, then to the batcave to see what sort of trouble juior and his sister have got the mrs into

cheerio folks, and don't forget, it's only the internet

Ginge !

whos the rock star that took hes kid to the troops in afganistan to give hes kid a " wake up " call on life

think keeping kids LOWER expectations are better than giving them everything

there was someone whos not gonna give there kid a trust fund but give hes kid double what he earns for the rest of hes life as a incentive to earn more money rather than just be given it,, i SERIOUSLY belive in that type of thing

Lee Reynolds

we are busy at present, probably ok till just before xmas and do have an insurance job that is prob 90% ours by the looks. So not bad mate but i keep hearing of others struggling and not being busy so it does worry you a bit. We have not taken a pay rise this year and are keeping a decent amount in the account in case it goes quiet!

Tappits

People do take the piss some times
O no I am running out of money
Well maybe what you can do is cut back
Don’t nail the mobile phones; do you really need a Holladay in a different country every year? Do you need 2-3-4 cars? Do you need any cars? Do you have to have the wide screen TV DVD Blue ray PS3 surround sound system and sky plus? Cheaper Internet connection? Big house? Digital camera, pub all the time?
You can live really cheap its just most people nowadays cannot be seen without there ipod phone in there Ł100 jeans with there Ł300 gold chain in there car that’s not going to be there’s for 8 years after the 96 small payments of Ł300 do you really need the top of the range bike or phone or kettle or dish washer? And do you really need these things anyway? Are you going to die if you cannot record live TV?
Every body says yer get a house its guaranteed money in the long run but nothing is ever guaranteed in this world.

Ginge !

soo soo soooooo true !

when i had no cash i had less, i have a 1 credit card with i think 300 quid on it from the ring trip ( keep meaning to pay it off but never do) and no loans, just general bills,,, and i even have a pikey samsung D500 i bought off a cab driver on one of the blackpool piss ups on pay as you go

but tbh i can live with no money practically if i had to

dojj

iTrader: (3)

as long as the bills are paid then everything else can be done on the very cheap
it might not be as good but it's stillgoing to be cheap

there's a guy at work who says he's worried about the amount of money he's got to pay for his mortgage, then, in the next sentance says he can't stop spending around Ł200 a month on clothes, and his girlfriend is the same
and every ew months they have a clear out and go down the charity shop

don't really want to call him a stupid clueless fucknugget to his face but it's oh so tempting

Lee Reynolds

totally correct. You just have to cut back. Simple.

A LOT of people who are moaning about this credit crunch need to tighten the belts that they shouldnt have stretched in the first place!

dojj

iTrader: (3)

there is a simple solution to all this

teach your kids the value of money at an early age snd stop spoiling them

i didn't have a pair of trainers until i was 13 years old, not just branded trainers, any sort of trainers, i went to school for teh first year and did all my sports lesons in plimsols, indoor and outdoor for the simple fact that my dad didn't want to spend have the money the mortgage cost on a pair of trainers that i was only going to get dirty and wear 3 hours a week so there was no justification in it and i had to save every spare penny, and i do mean penny, as in pennies found on the streets while out walking, loose change mum would give me when she was out shopping, treat money, all sorts
and my old man had such an accurate record of money he had a jar with enough coppers and loose change in it to by a paper every weekday, and if the price went up, he'd add a few more pennies to it (the old man is a calculating genius when it coems to money, i shit you not) and he would know if we'd been dipping into it or not, so we didn't or else we'd get a paddling

another famous saying my old man likes to preach:

"dad, can i have a tenner please?"
"you come to me asking for Ł10, expecting Ł5, you need Ł3, so here's Ł1"

the simple thing that people should do is reach into their pockets to find cash money for the itmes they want to purchase, if they find they don't have enough, they don't buy it

arch

Now that made me chuckle.

Ginge, it's PAID, not paied.

It's no good, reading about all you hard working folks I have to get me a second job, anyone want to babysit my two kids whilst I'm out driving ( I cannot afford to pay of course)

Quite how Ginge reckons kids are not expensive is beyond my imagination, mine cost me a bloody fortune, they are only 3 & 4.

dojj

iTrader: (3)

kids start costing more when they want to show off to their mates, and have the latest toys, and the latest designer clobber, and the latest barbie dolls and the best bike and th ebest games for their psp's and all sorts of other shit

the other kids ripped the solid piss out of me for wearing plimsols while playing football and rugby and the school were insistant that i wear them ni case my feet got hurt, but the old man said "you want him to wear them, you buy him a set then" so i sat out a lot of outdoor activities

what kids fail to realise is that after school, there is a big wide world out there and no one will give a fuck if you were the most popular kid in your class witht he shinest shoes and the neatest creases, they want to know what you can offer them and for the lowest price you'll enslave yourself, nothng else matters, so if you don't have to pimp yourself up everytime you step out of the shower to give you "confidence" you are saving not just money, but time and effort too

don't use deodarent ebcause you'd rather save the money and have a shower? the 99p can of spray will cost youless that the shower and levvy and gas bills, so shower every other day and see the money get saved, ask the employer to ofer you a uniform, and then ask for cleaning vouchers to get it cleaned, there are millions of ways to save money, and if, at the end, someone calls you a bit pikey for it, you just have to accept it

SassyRS

Totally agree with that.

Jim Galbally

amen

always ammuses me when i see someone from school that was a bully or somesuch doing badly for themselves still acting like a teenager

Chip

iTrader: (3)

My ex's sister was particuarly bright, always straight a's etc, she had a bit of trouble with bully's at school, and one thing I pointed out to here is that the "cool kids" at school will be the ones valet parking her car for her or cleaning her hotel room in a few years time when she's a high flying lawyer or whatever

alistairolsen

so true, and happens a lot sooner than you think!