Keep your eye on your credit status kids.

There is only a 'need' if their outgoings exceed income. There are many
many ways to trim ougoings (I know! I didn't always have a good job..).
This (of course) may not apply to people on very low incomes
(pensioners et. al.) who do not have the ability to go out and raise
more capital through work.

Anyone that needs credit *just to get by* severely needs money
management lessons. Or to set their sights lower (and poverty doesn't
mean not being able to afford a third TV or a PS3).

People have been conditioned to expect a much higher standard of
lifestyle as 'normal'. And that is what is driving the credit
lifestyle - 50 years ago it just didn't happen.

Phil.

 

There are very very few people in this country that can't afford to
live within their means. And they are mostly people who can't get into
full-time employment (like pensioners and long term ill).

There are *lots* of people who can't afford the latest gadgets - but
that's not the same thing.

Phil

 

Well - that's because those 'old-fashioned' attudes were there for a
reason. Which is that people didn't want to live beyond their means.

But for the last 40 years people have been bombarded with the message
"you don't have to be able to afford it - buy it on credit" which has
(inevitably) lead to problems.

Oh - and banks trying to get multiple income streams off the same
assets haven;t helped. Forgetting the saying "you don't get something
for nothing"..

Phil

 

Cost of living = food, basic accommodation and work-related travel.

Anything beyond that is a luxury - it could well be argued that such
luxuries are required for any reasonable standard of living, but it'd
be folly to suggest that they're anything but optional.

 

Cost of living = food, basic accommodation and work-related travel.

Anything beyond that is a luxury - it could well be argued that such
luxuries are required for any reasonable standard of living, but it'd
be folly to suggest that they're anything but optional.

 

The originals weren't showing up.

 

Option D - Call the landlord.

 

Sell a kidney.

HTH

 

Motzy's having an off day. Missing posts a-plenty.
Where's Avana Banana when you need him?
--
Dave
GS850x2 XS650 SE6a

"It's a moron working with power tools.
How much more suspenseful can you get?"
- House