pissed and very pissed off!!!!!!!!!!
27-12-2005, 12:13 PM
#41
Benn as said above - chin up fella
I live with my parents and cannot stand it
Im also gonna make 2006 a positive year for me.
Gonna knock all the bad habits on the head, ie smoking, going out till for hours and hours, etc and try and save some money - who knows i may even sell the cossie and clear some of my debt.
I live with my parents and cannot stand it
Im also gonna make 2006 a positive year for me. Gonna knock all the bad habits on the head, ie smoking, going out till for hours and hours, etc and try and save some money - who knows i may even sell the cossie and clear some of my debt.
27-12-2005, 12:28 PM
#42
...Benn just thank the Lord you are only a practising homo and forward about it..Rainbird is a homo but wont admit it even goin to the trouble of getting a girlfriend and making ME fuck her for a kid 
I know what you mean about parents.....them fuckers are who we ALL are today ..
Look at Pon (well dont ) he been brought up as a chimp and look,all he after is nuts.
Chip 3dr look at him...obviously was made to eat lots of custard...inbreeding is evident and obviously made to fuck his barbie doll.
Rainbird...obviously forced to fuck his action man at a young age and still continues the dress sense from what his parents made him wear.
Me,lets not even go there!
...you see where i goin Benn?Think yourself lucky..your a nice likable chap...and you was one of the first PF gang i met
I know what you mean about parents.....them fuckers are who we ALL are today
..Look at Pon (well dont
) he been brought up as a chimp and look,all he after is nuts.Chip 3dr look at him...obviously was made to eat lots of custard...inbreeding is evident and obviously made to fuck his barbie doll.
Rainbird...obviously forced to fuck his action man at a young age and still continues the dress sense from what his parents made him wear.
Me,lets not even go there!
...you see where i goin Benn?Think yourself lucky..your a nice likable chap...and you was one of the first PF gang i met
27-12-2005, 01:56 PM
#49
just finding my feet
benn mate, think everyone gets to a age when they just want out, soon as you move you may even find parents moe bareable
i must admit i dont bother with mine, we had a mare living there for lots of reasons and tbh most was caused by me, i only bother with mine for the sake of my little girl tbh
as for there being a favorite,,,,, fuck me i know how that feels, i even get my sister giving my parents advice about me too
its hard mate and also frustrating too, as for anyone to attempt to say you cant afford kids, thats bollox, we only have my income and its quite moddest too and our little girl dont want for anything, true that i dont spend loads of cash on other things and our morgage is just over 200 quid a month also helps too but im far from a well off family but we manage to cope well
as for selling your cars ect, that i wouldnt bother with UNTIL you find a place to live as once there done it can be your way of getting away from it all
cant you swop houses every few days, missus house to yours and back just stay until you feel your not welcome and then swop back, that maybe a idea if you dont already do it
just try to chill and just as rudey says be paitent and then it will just arrive, happened for me and rudey and even though it felt a life time,,,,, now it seems like it wasnt so bad,,,,,,,,,,,,,, ID NEVER GO BACK THOUGH
chin up mate and keep trying for a baby mate, they need love more than anything
i must admit i dont bother with mine, we had a mare living there for lots of reasons and tbh most was caused by me, i only bother with mine for the sake of my little girl tbh
as for there being a favorite,,,,, fuck me i know how that feels, i even get my sister giving my parents advice about me too
its hard mate and also frustrating too, as for anyone to attempt to say you cant afford kids, thats bollox, we only have my income and its quite moddest too and our little girl dont want for anything, true that i dont spend loads of cash on other things and our morgage is just over 200 quid a month also helps too but im far from a well off family but we manage to cope well
as for selling your cars ect, that i wouldnt bother with UNTIL you find a place to live as once there done it can be your way of getting away from it all
cant you swop houses every few days, missus house to yours and back just stay until you feel your not welcome and then swop back, that maybe a idea if you dont already do it
just try to chill and just as rudey says be paitent and then it will just arrive, happened for me and rudey and even though it felt a life time,,,,, now it seems like it wasnt so bad,,,,,,,,,,,,,, ID NEVER GO BACK THOUGH
chin up mate and keep trying for a baby mate, they need love more than anything
27-12-2005, 02:46 PM
#50
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Thats so strange ben reading that 
I live with my nan and have done sine about 7-8 , got mum and dad and younger bro
You know where i going , cossie that i love and girlfriend too , always find it hard to say the L word to there faces
Hang in there matey , after every dark day theres a brighter day ahead
I live with my nan and have done sine about 7-8 , got mum and dad and younger bro
You know where i going , cossie that i love and girlfriend too , always find it hard to say the L word to there faces Hang in there matey , after every dark day theres a brighter day ahead
27-12-2005, 05:23 PM
#53
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Originally Posted by Thrush
Benn - sad to hear mate, I am in the same boat and as soon as I have the money I'm out on my own ASAP...
But come one - you moan about having debt and wishing you had the money yo move out - yet you have a Rouse Saff and a S1 resto underway, not to mention the other cars you're always showing pics of - if you're serious about clearing debt and moving out, why do you still have these cars?
I am serious about clearing my debt and moving out - so I sold all my cars and drive around in a piece of shit, £300 Orion thats cost fuck all to run (in comparrison to my 3i and 2 S1's)
Don't moan about not having any money while you have the best part of £10k sewn up in cars - that £10k would be far better off as a house deposit would it not? Or clearing some/all debt to be able to pay a mortgage?
I don't mean offence or owt, but I see a lot of people on here who have WAY more than I will probably ever have, and then some with way more money, cars etc than I will ever have who moan about it not being enough
I live at home (I'll 24 in an hour) and I don't want to live here anymmore, so I'm trying to do something about it.
My bro earns quite well, has a good job and a great fiance - he also had three cars, all of which were projects with loads of money invested in em.
But he wanted to move out, and luckily with his finace they managed to find a place that the bank would allow them a 100% mortgage for.
His sacrifice tho for this new house and more importantly, new LIFE together is he has got rid of all three cars to clear out some of his debt. He also has to travel 35miles each way to work now via the M25. So he's lost a lot of money tied up in the cars, lost a lot of time what with travelling etc, but he's happy cos he now lives with his finace and has a completely new life for himself.
But come one - you moan about having debt and wishing you had the money yo move out - yet you have a Rouse Saff and a S1 resto underway, not to mention the other cars you're always showing pics of - if you're serious about clearing debt and moving out, why do you still have these cars?
I am serious about clearing my debt and moving out - so I sold all my cars and drive around in a piece of shit, £300 Orion thats cost fuck all to run (in comparrison to my 3i and 2 S1's)
Don't moan about not having any money while you have the best part of £10k sewn up in cars - that £10k would be far better off as a house deposit would it not? Or clearing some/all debt to be able to pay a mortgage?
I don't mean offence or owt, but I see a lot of people on here who have WAY more than I will probably ever have, and then some with way more money, cars etc than I will ever have who moan about it not being enough
I live at home (I'll 24 in an hour) and I don't want to live here anymmore, so I'm trying to do something about it.My bro earns quite well, has a good job and a great fiance - he also had three cars, all of which were projects with loads of money invested in em.
But he wanted to move out, and luckily with his finace they managed to find a place that the bank would allow them a 100% mortgage for.
His sacrifice tho for this new house and more importantly, new LIFE together is he has got rid of all three cars to clear out some of his debt. He also has to travel 35miles each way to work now via the M25. So he's lost a lot of money tied up in the cars, lost a lot of time what with travelling etc, but he's happy cos he now lives with his finace and has a completely new life for himself.
Well said.
You/we always think your bad off, untill you see someone in a wheel chair being looked after, and probebly looking at you thinking they wish they were YOU.
Stop moaning and do something positive.
When you get older, have your own commitments and kids, you will probebly wish you were with your parents again. LOL
27-12-2005, 05:30 PM
#54
just finding my feet
When you get older, have your own commitments and kids, you will probebly wish you were with your parents again. LOL
NEVER !!!!!, the only thing i miss is having no bills to worry about
ive never felt that bad that ive wanted to go back home
27-12-2005, 05:41 PM
#55
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Benn hope it works out for you bud.
i been there and done it
haveing are 1st kid made all the diffrance on the way you see life made me grow up a lot and go for bigger things in life and genral lucky all worked out well and better than i thought it every would.
It can be done just go for everything with an postive attitude you won`t get any where if you don`t belive in yourself.
i been there and done it
haveing are 1st kid made all the diffrance on the way you see life made me grow up a lot and go for bigger things in life and genral lucky all worked out well and better than i thought it every would.
It can be done just go for everything with an postive attitude you won`t get any where if you don`t belive in yourself.
27-12-2005, 06:44 PM
#56
just finding my feet
Originally Posted by DOO
Benn hope it works out for you bud.
i been there and done it
haveing are 1st kid made all the diffrance on the way you see life made me grow up a lot and go for bigger things in life and genral lucky all worked out well and better than i thought it every would.
It can be done just go for everything with an postive attitude you won`t get any where if you don`t belive in yourself.
i been there and done it
haveing are 1st kid made all the diffrance on the way you see life made me grow up a lot and go for bigger things in life and genral lucky all worked out well and better than i thought it every would.
It can be done just go for everything with an postive attitude you won`t get any where if you don`t belive in yourself.
reading all that the first thing thats sprung to my mind is you have PM'ed the big guy with a offer for his garden mascot
28-12-2005, 08:01 AM
#57
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sorry to hear about your nan Benn , I remember the dear from when I popped around all that time back.
Mate, its time to sort out a decent paying job mate!
get out of what you're doign now.. do some labouring. get on the railways etc... decent money to be earnt there pal, certainly better than what you're earning mow mate !
if theres anything I can do, just hollar!
, I remember the dear from when I popped around all that time back.Mate, its time to sort out a decent paying job mate!
get out of what you're doign now.. do some labouring. get on the railways etc... decent money to be earnt there pal, certainly better than what you're earning mow mate !
if theres anything I can do, just hollar!
28-12-2005, 10:09 AM
#58
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Benn
I dont know your financial situation but i do know your a NICE guy
Have you thought about the folloiwng ...
1. Your debts sound LARGER than you would like and repayment is probably 3-5Years ???
2. Sell your stuff to Chell (rouse etc)
3. Bankrupt yourself on your earnings etc you will pay back fuck all then y9ou will be clear of the debt , Yes it will be difficult to get a mortgage for a while but in fairness the banks are much more leniant nowdays than back in the 80s-90s
4. If you default get CCJs on your debts yoru history is fooked for 6-7 years , If you make your self bankrupt you could be better off
5. New Year New Hope
Hang in there mate you and chell WILL be great parents
Nige
I dont know your financial situation but i do know your a NICE guy
Have you thought about the folloiwng ...
1. Your debts sound LARGER than you would like and repayment is probably 3-5Years ???
2. Sell your stuff to Chell (rouse etc)
3. Bankrupt yourself on your earnings etc you will pay back fuck all then y9ou will be clear of the debt , Yes it will be difficult to get a mortgage for a while but in fairness the banks are much more leniant nowdays than back in the 80s-90s
4. If you default get CCJs on your debts yoru history is fooked for 6-7 years , If you make your self bankrupt you could be better off
5. New Year New Hope
Hang in there mate you and chell WILL be great parents
Nige
28-12-2005, 10:27 AM
#59
just finding my feet
Originally Posted by BigNige
Benn
I dont know your financial situation but i do know your a NICE guy
Have you thought about the folloiwng ...
1. Your debts sound LARGER than you would like and repayment is probably 3-5Years ???
2. Sell your stuff to Chell (rouse etc)
3. Bankrupt yourself on your earnings etc you will pay back fuck all then y9ou will be clear of the debt , Yes it will be difficult to get a mortgage for a while but in fairness the banks are much more leniant nowdays than back in the 80s-90s
4. If you default get CCJs on your debts yoru history is fooked for 6-7 years , If you make your self bankrupt you could be better off
5. New Year New Hope
Hang in there mate you and chell WILL be great parents
Nige
I dont know your financial situation but i do know your a NICE guy
Have you thought about the folloiwng ...
1. Your debts sound LARGER than you would like and repayment is probably 3-5Years ???
2. Sell your stuff to Chell (rouse etc)
3. Bankrupt yourself on your earnings etc you will pay back fuck all then y9ou will be clear of the debt , Yes it will be difficult to get a mortgage for a while but in fairness the banks are much more leniant nowdays than back in the 80s-90s
4. If you default get CCJs on your debts yoru history is fooked for 6-7 years , If you make your self bankrupt you could be better off
5. New Year New Hope
Hang in there mate you and chell WILL be great parents
Nige
but it costs 300 quid odd to be bankrupt
, ive never understood that that advice i wish i had a few years ago rather than paying off all my debts to creditors, my credit rating was shite anyway even though it was all payed off after 2 years
28-12-2005, 10:44 AM
#60
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[quote="b19bal"]
THe cost is becasue the local courts have to pay for the newspaper ads etc and contact all your creiditors and take all that shite off your shoulders etc But your instance i have heard of many times people that have done the so called "right thing" with debt and still burdened with their misdoings for the same length of time for those that say "fook it"
Nige
Originally Posted by BigNige
Benn
but it costs 300 quid odd to be bankrupt , ive never understood that
that advice i wish i had a few years ago rather than paying off all my debts to creditors, my credit rating was shite anyway even though it was all payed off after 2 years
but it costs 300 quid odd to be bankrupt
, ive never understood that that advice i wish i had a few years ago rather than paying off all my debts to creditors, my credit rating was shite anyway even though it was all payed off after 2 years
Nige
28-12-2005, 10:56 AM
#61
just finding my feet
nige its soooo true, my credit is fucked so we have a morgage ect all in my missus name and im a "add on" for her accounts
but im still 15k out of pocket where as ive i was told that i could be bankrupt then i would be 300 quid down
so i deffo recomend it but the action is frowned upon by all the normal members of society,,,,,,,,, but im sure anyone with a business would do the same and nobody would care
but im still 15k out of pocket where as ive i was told that i could be bankrupt then i would be 300 quid down
so i deffo recomend it but the action is frowned upon by all the normal members of society,,,,,,,,, but im sure anyone with a business would do the same and nobody would care
28-12-2005, 11:17 AM
#62
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Howdy big fella. This makes sense RE: the e-mail you sent round. Sorry I didn't have time to reply
Unfortunately m8, you just gotta hang in there, perhaps selling the motor's is the only feasable option ? Money's only gonna get tighter when Benn Junior come's popping along (is chelle ready for a junior version of you )
Chin up pal, and i'll come round to fix the pc (again) in the new year
Unfortunately m8, you just gotta hang in there, perhaps selling the motor's is the only feasable option ? Money's only gonna get tighter when Benn Junior come's popping along (is chelle ready for a junior version of you
)Chin up pal, and i'll come round to fix the pc (again) in the new year
28-12-2005, 11:26 AM
#63
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BEN
have a read on this bitch
NIge
http://www.insolvency.gov.uk/
Thats the official bankruptcy website it will give you a lot of info avoid the debt mgt companies that charge around 17% of your debt in fees
Nige
have a read on this bitch
NIge
http://www.insolvency.gov.uk/
Thats the official bankruptcy website it will give you a lot of info avoid the debt mgt companies that charge around 17% of your debt in fees
Nige
28-12-2005, 12:30 PM
#64
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no offense mate, but if youre struggling with money, why the hell do you want kids???
Surely getting a house is top of the list, and causing further money problems through having kids aint gonna help.......ok, theres housing schemes if youve got kids etc, but do you really want that???
just a thought...ive got mates who fell into the same situation...ive seen how theyve ended up.
I dont know you for shit though, so youre perfectly welcome to ignore my point.
Surely getting a house is top of the list, and causing further money problems through having kids aint gonna help.......ok, theres housing schemes if youve got kids etc, but do you really want that???
just a thought...ive got mates who fell into the same situation...ive seen how theyve ended up.
I dont know you for shit though, so youre perfectly welcome to ignore my point.
28-12-2005, 12:51 PM
#65
just finding my feet
Originally Posted by DelboyTurbo
no offense mate, but if youre struggling with money, why the hell do you want kids???
his cars aint costing him any cash as hes not using em is he
he may have just fallen into that situation where hes been given too much credit and he cant afford to pay, it happens, we all been there
i got loads of loans out to buy a car or go on holiday ect and i blew it all in the pub/nights out
after a 3 years i was in 20k of debt, and had credit card payments of a fair few quid ,,,,,, nobody should be allowed to get loans from everywhere like i did imo as in all honesty paying it back aint easy
if he has a child they dont cost loads when young, i know this as i have a kid and manage quite well i feel for my income, sure benn will be the same, he just needs a clean slate or a better paying job to do the same thing
ideally a better paying job and a clean slate and he will be minted
28-12-2005, 01:58 PM
#67
Originally Posted by DaveEscos
I agree.... put the kids on hold!
theres no rush
sort yourself out before you bring them in to the world
make a nice clean fresh start
theres no rush
sort yourself out before you bring them in to the world
make a nice clean fresh start
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