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wr6133 |
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wr6133 World Chat Champion
Joined: 31 Dec 2013 Karma :
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chickenstrip |
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chickenstrip Super Spammer
Joined: 06 Dec 2013 Karma :
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Posted: 14:02 - 12 Feb 2021 Post subject: |
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Nobby the Bastard wrote: | chickenstrip wrote: |
In the interests of socialism and wealth redistribution, you can send some of that to me. |
I do that by paying tax. |
Typical bloody socialist. They all talk the talk... ____________________ Chickenystripgeezer's Biking Life (Latest update 19/10/18) Belgium, France, Italy, Austria tour 2016 Picos de Europa, Pyrenees and French Alps tour 2017 Scotland Trip 1, now with BONUS FEATURE edit, 5/10/19, on page 2 Scotland Trip 2 Luxembourg, Black Forest, Switzerland, Vosges Trip 2017
THERE'S MILLIONS OF CHICKENSTRIPS OUT THERE! |
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Fat Angry Scotsman |
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Fat Angry Scotsman World Chat Champion
Joined: 12 Jan 2021 Karma :
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Polarbear |
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Polarbear Super Spammer
Joined: 24 Feb 2007 Karma :
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Posted: 15:23 - 12 Feb 2021 Post subject: |
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The one big thing I would beg anyone to do is buy and pay for their house. If I had to I could live on about £500 a month paying council tax, gas, electric and food and the roof over our heads because I own it is secure.
Don't remortgage your house. Don't take payment holidays if you can avoid it. Just pay the bloody thing off and see what a difference it makes. I don't care for it gaining value. If I move the next place will cost whatever so I'll not really gain but no rent, no mortgage is one hell of a way towards no worries.
Or else sell everything, spend your money on hookers and cocaine and then get looked after by the state. ____________________ Triumph Trophy Launch Edition |
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chickenstrip |
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chickenstrip Super Spammer
Joined: 06 Dec 2013 Karma :
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Posted: 15:39 - 12 Feb 2021 Post subject: |
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Polarbear wrote: | The one big thing I would beg anyone to do is buy and pay for their house. If I had to I could live on about £500 a month paying council tax, gas, electric and food and the roof over our heads because I own it is secure. |
You pray that nothing essential breaks down or wears out. Sometimes you discover what you thought was essential, isn't. An oven, for e.g. ____________________ Chickenystripgeezer's Biking Life (Latest update 19/10/18) Belgium, France, Italy, Austria tour 2016 Picos de Europa, Pyrenees and French Alps tour 2017 Scotland Trip 1, now with BONUS FEATURE edit, 5/10/19, on page 2 Scotland Trip 2 Luxembourg, Black Forest, Switzerland, Vosges Trip 2017
THERE'S MILLIONS OF CHICKENSTRIPS OUT THERE! |
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chickenstrip |
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chickenstrip Super Spammer
Joined: 06 Dec 2013 Karma :
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Posted: 15:40 - 12 Feb 2021 Post subject: |
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Polarbear wrote: |
Or else sell everything, spend your money on hookers and cocaine and then get looked after by the state. |
It is very tempting! ____________________ Chickenystripgeezer's Biking Life (Latest update 19/10/18) Belgium, France, Italy, Austria tour 2016 Picos de Europa, Pyrenees and French Alps tour 2017 Scotland Trip 1, now with BONUS FEATURE edit, 5/10/19, on page 2 Scotland Trip 2 Luxembourg, Black Forest, Switzerland, Vosges Trip 2017
THERE'S MILLIONS OF CHICKENSTRIPS OUT THERE! |
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The Shaggy D.A. |
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The Shaggy D.A. Super Spammer
Joined: 12 Sep 2008 Karma :
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stinkwheel |
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stinkwheel Bovine Proctologist
Joined: 12 Jul 2004 Karma :
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Posted: 15:53 - 12 Feb 2021 Post subject: |
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To to sum up the answer to the OPs question. No? Because there seems to be a bit of a generation X demographic on here with a particularly negative attitude to credit.
Presumably borne out of watching how fucked over everyone got in the 80's with double digit interest rates. ____________________ “Rule one: Always stick around for one more drink. That's when things happen. That's when you find out everything you want to know.”
I did the 2010 Round Britain Rally on my 350 Bullet. 89 landmarks, 3 months, 9,500 miles. |
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Nobby the Bastard |
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Nobby the Bastard Harley Gaydar
Joined: 16 Aug 2013 Karma :
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stinkwheel |
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stinkwheel Bovine Proctologist
Joined: 12 Jul 2004 Karma :
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Ayrton |
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Ayrton World Chat Champion
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Tracey Suntan-King |
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Tracey Suntan-King World Chat Champion
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Polarbear |
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Polarbear Super Spammer
Joined: 24 Feb 2007 Karma :
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Posted: 17:31 - 12 Feb 2021 Post subject: |
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Oh, an if everything went to total ratshit I'd go live permanently on the boat. No council tax, bugger all on energy (a few hundred a year on diesel and gas)
Biggest outgoing Ah yes, Rum ____________________ Triumph Trophy Launch Edition |
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MarJay |
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MarJay But it's British!
Joined: 15 Sep 2003 Karma :
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Nobby the Bastard |
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Nobby the Bastard Harley Gaydar
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stinkwheel |
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stinkwheel Bovine Proctologist
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Johnnythefox |
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Johnnythefox Traffic Copper
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Blah blah |
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Blah blah Scooby Slapper
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panrider_uk |
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panrider_uk World Chat Champion
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Hetzer |
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Hetzer Super Spammer
Joined: 19 Feb 2007 Karma :
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Posted: 10:38 - 13 Feb 2021 Post subject: |
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Nope. ____________________ "There's the horizon! Ride hard, ride fast and cut down all who stand in your way!" |
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Ste |
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Ste Not Work Safe
Joined: 01 Sep 2002 Karma :
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Posted: 12:08 - 13 Feb 2021 Post subject: |
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I'm not broke but I'm not rich anymore. |
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thx1138 |
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thx1138 World Chat Champion
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arry |
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arry Super Spammer
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scoobydaz |
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scoobydaz Two Stroke Sniffer
Joined: 12 Nov 2014 Karma :
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Posted: 20:08 - 14 Feb 2021 Post subject: |
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This is something I talk to my kids about a lot, at 55 I am liquidating my buy to let houses to pay off the mortgage on my house, my wife probably wont ever work again due to mental health issues and I find that I have to be around a lot more now than I used too.
That aside I'm trying to teach my kids that credit, whilst you can get it and buy the shiny shiny stuff with it is a killer.
Some people we know have two-three mortgages on the one house so that they can increase it in size from a three bed house to a large three bed house, plus put a nice £40k car on the drive and go skiing 2-3 times a year plus the big summer holiday to Greece or Corfu or wherever - then there's the 65inch tv, latest iphones, pads and Macs that they all weald. The clothes and Rolex all add to the illusion of wealth also.
The problem, that I try to get through, is that yes its nice to have this stuff but not if its sole purpose is to impress others. Once you buy something is suddenly looses A LOT of its value, more so when being used against any debts owed, a £1500 tv suddenly becomes worth £150-200 when being totted up to cover a debt outstanding.
If things go wrong for these people and they lose their jobs then they cannot service the finance and the vultures close in very quickly with very sharp claws and NO regards for the heartbreak and suicides they cause.
I'll never be rich, unless my numbers come up, but we get buy with nothing other than the mortgage which we can manage and a little bit of credit card debt which can be closed off at any time.
With my work I can carry on until I'm into my 70's and still earn well enough, but hopefully the kids will be able to help out then...... ____________________ Current Bikes: VFR 800Fi 1998 & CB250N Superdream 1981 |
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Britabroad |
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Britabroad Banned
Joined: 14 Feb 2021 Karma :
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Posted: 21:40 - 14 Feb 2021 Post subject: |
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Old Thread Alert!
The last post was made 3 years, 42 days ago. Instead of replying here, would creating a new thread be more useful? |
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