Kane57 Posted October 12, 2019 Share Posted October 12, 2019 Mine was just after my daughter was born. Wasn't earning well and me and the Mrs hadn't lived together long. Renting somewhere to live added to the cost of travelling a 60 mile round trip to work daily left us with very little. Luckily managed to improve my situation at work and that made things easier but was a rough year. Moral of the story - don't have kids unless you've got loads of money Quote Link to comment Share on other sites More sharing options...
Members Rudy Posted October 12, 2019 Members Share Posted October 12, 2019 Finished uni. Thought I would walk straight into a job, I was wrong, was looking at taking any odd job to get some money, balance hit zero, overdraft hit £1000. Found some telesales job, borrowed about £400 off my mam, thinking I would get about £1k from this job. Pay day rolled round, nothing paid in, went to the office to see what was going on where I was working and they had packed up and fucked off the night of payday. Was nearly sick. Had to go and tell my parents and got a phone call saying I’d got the job I’d hoped for. Never looked back and I’m extremely good with money now. Taught me a lesson even if they company was ran by cuntbuckets Quote Link to comment Share on other sites More sharing options...
Moderators Casino Posted October 12, 2019 Moderators Share Posted October 12, 2019 I reckon having kids when you've absolutely nowt is ok Is the mass of us in the middle who struggle Rarely get any help from the govt Quote Link to comment Share on other sites More sharing options...
Kane57 Posted October 12, 2019 Author Share Posted October 12, 2019 Aye been lucky in the years since that when things got bad, like really bad that the parents were there to prop me up. First thing first is sorting them out when I win the euromillions Quote Link to comment Share on other sites More sharing options...
Site Supporter Spider Posted October 12, 2019 Site Supporter Share Posted October 12, 2019 19 minutes ago, Casino said: I reckon having kids when you've absolutely nowt is ok Is the mass of us in the middle who struggle Rarely get any help from the govt Spot on. putting 2 kids through nursery damn near bankrupted me. Each kid cost just over £20k in nursery fees. Then I got a tax bill, which was their mistake but they don’t give a fuck about that. If you don’t work, everything’s covered. Youve got to accept that kids are going to leave with you little spare. Quote Link to comment Share on other sites More sharing options...
Members Rudy Posted October 12, 2019 Members Share Posted October 12, 2019 2 minutes ago, Spider said: Spot on. putting 2 kids through nursery damn near bankrupted me. Each kid cost just over £20k in nursery fees. Then I got a tax bill, which was their mistake but they don’t give a fuck about that. If you don’t work, everything’s covered. Youve got to accept that kids are going to leave with you little spare. Nursery’s are goldmines pay the staff the square root of fuck all, buy food refugees would hesitate to eat , £40 min a day per kid, maybe 60 kids, looking at £2.5k a day, government chip in, overheads are relatively small, whilst parents are paying more on fees than their mortgages Quote Link to comment Share on other sites More sharing options...
Guest Posted October 12, 2019 Share Posted October 12, 2019 7 minutes ago, Rudy’s Message said: Nursery’s are goldmines pay the staff the square root of fuck all, buy food refugees would hesitate to eat , £40 min a day per kid, maybe 60 kids, looking at £2.5k a day, government chip in, overheads are relatively small, whilst parents are paying more on fees than their mortgages Risk is very high, though One kiddy accident could equal oblivion. Quote Link to comment Share on other sites More sharing options...
royal white Posted October 12, 2019 Share Posted October 12, 2019 Left the Marines on a wage of 28k and walked straight into a job of just short of 100k a year tax free. Did 18 months on that and thought I had made it and would never need to work again, went into property at a time when all you needed was a head and a pulse to get a mortgage, was ‘given’ a million pound bridging loan with a mate to buy properties, bought 7 in houses in a day before it all went wrong! 18 month down the line 7 houses were gone, some repossessed some sold, nothing coming in and owing 10s of thousands out, beg and borrowed off mates to keep my own roof over my head, never once thought about claiming even though I was entitled to. After losing the lot and only having my house which my mates were helping me pay for I fucked off Back abroad to get some pennies back in. Going from a squaddies wage to the same wage as the PM (after tax) within a week was a shock to the system but fuckinel it paid for some good times Quote Link to comment Share on other sites More sharing options...
stevieb Posted October 12, 2019 Share Posted October 12, 2019 First kid... Went from living in manc city centre and doing what we wanted whenever to having a grand a month out of our accounts to have some other cunts raise our kid. It's ace being a parent just don't ever total your childcare bill before they go to school! Quote Link to comment Share on other sites More sharing options...
Site Supporter fatolive Posted October 12, 2019 Site Supporter Share Posted October 12, 2019 57 minutes ago, Spider said: Spot on. putting 2 kids through nursery damn near bankrupted me. Each kid cost just over £20k in nursery fees. Then I got a tax bill, which was their mistake but they don’t give a fuck about that. If you don’t work, everything’s covered. Youve got to accept that kids are going to leave with you little spare. Wait til they start uni Quote Link to comment Share on other sites More sharing options...
Members bolty58 Posted October 13, 2019 Members Share Posted October 13, 2019 Loading mail order parcels on Trinity Street station for the last 3 months of 1975 waiting for a design engineer position to open up on Folds Road in January 1976. BR paid a pittance but it was better than dole money. Quote Link to comment Share on other sites More sharing options...
Burndens Bogs Posted October 13, 2019 Share Posted October 13, 2019 (edited) Maybe 10-12 years ago i had plenty of debt on credit cards - i had half a dozen cards and the interest on them was crippling, i also owed the missus a few quid, we had also increased our mortgage a couple of years previously when business was more stable,my overdraft was maxed out - business had hit very tough times, i was in the shit & was juggling borrowing off one credit card to pay the minimum off another, my relationship with my mrs came perilously close to going tits.In the last few years i’ve managed to claw it back through hard work, a few key changes business wise + I had a personal policy maturing that i always knew was coming - otherwise i would have never borrowed the amount that i did. Everyone has now been paid off, we’ve moved to a bigger house in a safer/nicer area, i owe nothing to anyone apart from a small mortgage which will be paid off in 2 years. I don’t recommend using credit cards in the long term for borrowing large amounts, the interest rates are fucking horrendous - i’ve discarded them all now and won’t ever use them again. Debt is like a noose around your neck, but nowadays if i can’t afford to buy something up front with my own money, i don’t buy it. Edited October 13, 2019 by Burndens Bogs Quote Link to comment Share on other sites More sharing options...
Breightmet Boy Posted October 13, 2019 Share Posted October 13, 2019 15 years ago I was in debt £8,500 on a credit card. My job at the time paid me less than £200 a week with not much overtime. Anyhow, I did a clearance at a place and they was throwing some old disco speakers out and i asked if i could have them, I then bought a second hand mixer n amp and a few lights over a few months. I did a few discos in my local and improved my equipment with the money i earned, got talking to a fellow well known Horwich DJ and we got a network of dj's sharing work. I was in full time employment and every saturday n sunday DJing for a few years. Before i knew it id paid the debt off and saved 35% of the price of my house, got a new job, never turned overtime down. I left myself with £200 in the bank with the down payment of my house and did it up slowly, rewired etc with what was left from my monthly wages. Inside 7 years of buying my house it was paid off through sheer bloody graft. Struggled, went without, but got there eventually. Quote Link to comment Share on other sites More sharing options...
Site Supporter RONNIE PHILLIPS Posted October 13, 2019 Site Supporter Share Posted October 13, 2019 6 hours ago, Breightmet Boy said: 15 years ago I was in debt £8,500 on a credit card. My job at the time paid me less than £200 a week with not much overtime. Anyhow, I did a clearance at a place and they was throwing some old disco speakers out and i asked if i could have them, I then bought a second hand mixer n amp and a few lights over a few months. I did a few discos in my local and improved my equipment with the money i earned, got talking to a fellow well known Horwich DJ and we got a network of dj's sharing work. I was in full time employment and every saturday n sunday DJing for a few years. Before i knew it id paid the debt off and saved 35% of the price of my house, got a new job, never turned overtime down. I left myself with £200 in the bank with the down payment of my house and did it up slowly, rewired etc with what was left from my monthly wages. Inside 7 years of buying my house it was paid off through sheer bloody graft. Struggled, went without, but got there eventually. You should have stayed at Leighs... You'd be a millionaire by now on their wages 😉 Quote Link to comment Share on other sites More sharing options...
deane koontz Posted October 13, 2019 Share Posted October 13, 2019 9 hours ago, royal white said: Left the Marines on a wage of 28k and walked straight into a job of just short of 100k a year tax free. Did 18 months on that and thought I had made it and would never need to work again, went into property at a time when all you needed was a head and a pulse to get a mortgage, was ‘given’ a million pound bridging loan with a mate to buy properties, bought 7 in houses in a day before it all went wrong! 18 month down the line 7 houses were gone, some repossessed some sold, nothing coming in and owing 10s of thousands out, beg and borrowed off mates to keep my own roof over my head, never once thought about claiming even though I was entitled to. After losing the lot and only having my house which my mates were helping me pay for I fucked off Back abroad to get some pennies back in. Going from a squaddies wage to the same wage as the PM (after tax) within a week was a shock to the system but fuckinel it paid for some good times That's some increase! Quote Link to comment Share on other sites More sharing options...
royal white Posted October 13, 2019 Share Posted October 13, 2019 27 minutes ago, deane koontz said: That's some increase! Tell me about it, quite a shock for a youngish lad! Quote Link to comment Share on other sites More sharing options...
Site Supporter Biggish Dave Posted October 13, 2019 Site Supporter Share Posted October 13, 2019 When I left my bar in Spain, I didn’t have a pot to piss in. Thousands in debt to my folks, £20k in debt on my credit cards and struggling to afford petrol in my car to get to work. A further loan off the folks to pay off my credit cards and a few months of sampling their hospitality got me back on my feet to an extent but meeting the wife completed the recovery. 10 years on, we’ve no mortgage, no overdraft, no credit card debt and reasonable funds behind us. 2004 - 2008ish were dark days money wise Quote Link to comment Share on other sites More sharing options...
kent_white Posted October 13, 2019 Share Posted October 13, 2019 I did a summer working on Ibiza in my early 20's. Towards the end of the season I was absolutely broke and didn't even have enough money for a flight home so I was screwed. One night I was walking back to our flat dejectedly thinking about my situation and popped into a bar for a piss. It was a terrible place called Sergeant Peppers 2 in San Antonio Bay. Full of chavs, drug dealers and cheap sambuca - and that night was no difference. Walked into a cubicle and on top of the cistern was a rolled up wad of pesetas with an elastic band around it. About £300's worth. Enough for a flight home (and a final blow out at Space). Part of me felt bad that I didn't go and hand it in at the bar - but sometimes you've just got to take your chances! Quote Link to comment Share on other sites More sharing options...
Salford Trotter Posted October 13, 2019 Share Posted October 13, 2019 7 hours ago, Breightmet Boy said: 15 years ago I was in debt £8,500 on a credit card. My job at the time paid me less than £200 a week with not much overtime. Anyhow, I did a clearance at a place and they was throwing some old disco speakers out and i asked if i could have them, I then bought a second hand mixer n amp and a few lights over a few months. I did a few discos in my local and improved my equipment with the money i earned, got talking to a fellow well known Horwich DJ and we got a network of dj's sharing work. I was in full time employment and every saturday n sunday DJing for a few years. Before i knew it id paid the debt off and saved 35% of the price of my house, got a new job, never turned overtime down. I left myself with £200 in the bank with the down payment of my house and did it up slowly, rewired etc with what was left from my monthly wages. Inside 7 years of buying my house it was paid off through sheer bloody graft. Struggled, went without, but got there eventually. 👏👏👏👏 Quote Link to comment Share on other sites More sharing options...
Site Supporter Popular Post Spider Posted October 13, 2019 Site Supporter Popular Post Share Posted October 13, 2019 Mate of mine who’s always been wheelchair bound often tells us about his most skint time of life. He’d managed to save up for a holiday of a lifetime, combination of saving hard and some kind donations from sympathetic mates. As he was in the wheelchair, it cost him a bit more to get around. Anyway, he gets to Ibiza and is having a cracking time. Ends up in some seedy bar needing a piss but the disabled bogs are out of order so he has to struggle into a normal trap. Not easy for him and he has to take a few things out of his pocket so he can have a piss. One of which is all his spending money wrapped in a laccy band for safety. In the hassle, he forgets to pocket the cash and as he returns to the toilet shortly after, got wheeled back out of the bogs by some lad in his 20’s singing “leaving on a jet plane” at top note. He pushed him so hard the right tyre on his wheelchair popped. He had to spend the last few days of his holiday eating chips out of bins and going round in circles outside the hotel lobby. Theres some scum walk these streets. Quote Link to comment Share on other sites More sharing options...
MancWanderer Posted October 13, 2019 Share Posted October 13, 2019 Late ‘80’s when I got married to first Mrs Manc. Bought a house in Smithills when interest rates were about 16%. When the eldest came along a couple of years later I was absolutely on my arse financially. Genuinely couldn’t see any light at the end of the tunnel. At one point we were about 2 months away from the house being repossessed Quote Link to comment Share on other sites More sharing options...
Burndens Bogs Posted October 13, 2019 Share Posted October 13, 2019 For anyone who my be in a similar situation that i was and juggling credit card debts,you’d be better taking out a low interest loan and paying the credit cards off + that way you only have the one payment per month to make instead of several. It’s when the initial low interest term expires on the CC’s that things get difficult and can spiral out of control. Quote Link to comment Share on other sites More sharing options...
Burndens Bogs Posted October 13, 2019 Share Posted October 13, 2019 7 minutes ago, Spider said: Mate of mine who’s always been wheelchair bound often tells us about his most skint time of life. He’d managed to save up for a holiday of a lifetime, combination of saving hard and some kind donations from sympathetic mates. As he was in the wheelchair, it cost him a bit more to get around. Anyway, he gets to Ibiza and is having a cracking time. Ends up in some seedy bar needing a piss but the disabled bogs are out of order so he has to struggle into a normal trap. Not easy for him and he has to take a few things out of his pocket so he can have a piss. One of which is all his spending money wrapped in a laccy band for safety. In the hassle, he forgets to pocket the cash and as he returns to the toilet shortly after, got wheeled back out of the bogs by some lad in his 20’s singing “leaving on a jet plane” at top note. He pushed him so hard the right tyre on his wheelchair popped. He had to spend the last few days of his holiday eating chips out of bins and going round in circles outside the hotel lobby. Theres some scum walk these streets. 😂 Quality! Quote Link to comment Share on other sites More sharing options...
deane koontz Posted October 13, 2019 Share Posted October 13, 2019 21 minutes ago, Spider said: Mate of mine who’s always been wheelchair bound often tells us about his most skint time of life. He’d managed to save up for a holiday of a lifetime, combination of saving hard and some kind donations from sympathetic mates. As he was in the wheelchair, it cost him a bit more to get around. Anyway, he gets to Ibiza and is having a cracking time. Ends up in some seedy bar needing a piss but the disabled bogs are out of order so he has to struggle into a normal trap. Not easy for him and he has to take a few things out of his pocket so he can have a piss. One of which is all his spending money wrapped in a laccy band for safety. In the hassle, he forgets to pocket the cash and as he returns to the toilet shortly after, got wheeled back out of the bogs by some lad in his 20’s singing “leaving on a jet plane” at top note. He pushed him so hard the right tyre on his wheelchair popped. He had to spend the last few days of his holiday eating chips out of bins and going round in circles outside the hotel lobby. Theres some scum walk these streets. Quote Link to comment Share on other sites More sharing options...
kent_white Posted October 13, 2019 Share Posted October 13, 2019 1 hour ago, Spider said: Mate of mine who’s always been wheelchair bound often tells us about his most skint time of life. He’d managed to save up for a holiday of a lifetime, combination of saving hard and some kind donations from sympathetic mates. As he was in the wheelchair, it cost him a bit more to get around. Anyway, he gets to Ibiza and is having a cracking time. Ends up in some seedy bar needing a piss but the disabled bogs are out of order so he has to struggle into a normal trap. Not easy for him and he has to take a few things out of his pocket so he can have a piss. One of which is all his spending money wrapped in a laccy band for safety. In the hassle, he forgets to pocket the cash and as he returns to the toilet shortly after, got wheeled back out of the bogs by some lad in his 20’s singing “leaving on a jet plane” at top note. He pushed him so hard the right tyre on his wheelchair popped. He had to spend the last few days of his holiday eating chips out of bins and going round in circles outside the hotel lobby. Theres some scum walk these streets. I bet that experience made him a better man though! Quote Link to comment Share on other sites More sharing options...
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