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By (user no longer on site) OP
over a year ago
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The news states in January people are more likely to miss rent/mortgage payments.
Christmas happens at the same time every year so why do people fall into this trap? |
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By (user no longer on site)
over a year ago
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"The news states in January people are more likely to miss rent/mortgage payments.
Christmas happens at the same time every year so why do people fall into this trap?"
Suppose they spend money that they don't have! Credit cards, payday loans!
We only spend what we have... It's really not worth getting into debt for one day |
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People miss rent 3 months leading up to it as well...most are on low income so see £500 say for example that they would use on their rent to pay for presents...some will use their housing benefit payments to buy presents etc |
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By (user no longer on site) OP
over a year ago
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I'm not judging anyone who is in debt, but wonder if they could do something differently to avoid it. Perhaps £5 a week into a savings account or buy £20 of shop vouchers a month? |
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"I'm not judging anyone who is in debt, but wonder if they could do something differently to avoid it. Perhaps £5 a week into a savings account or buy £20 of shop vouchers a month?"
I think all the crap that's available to kids play a part and it's not cheap!! iPads, iPhones games concoles games designer clothes trainers etc....I never dreamt that I would get anything like that at Christmas... |
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I had to pay my credit card debt last week. It was the great amount of £80 and thats only cause my PayPal account is linked to it. I don't owe a penny anywhere. If I can't afford it I don't buy it
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By (user no longer on site)
over a year ago
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"The news states in January people are more likely to miss rent/mortgage payments.
Christmas happens at the same time every year so why do people fall into this trap?"
I always spend more than I budget only because I love the look on the littles ones face when they get what they asked for, I'm not talking spoiling them.. But the smiles you get are worth being in a little debt for. I tend to live without something like nights out after Xmas to stay on top. |
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By (user no longer on site)
over a year ago
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"I'm not judging anyone who is in debt, but wonder if they could do something differently to avoid it. Perhaps £5 a week into a savings account or buy £20 of shop vouchers a month?
I think all the crap that's available to kids play a part and it's not cheap!! iPads, iPhones games concoles games designer clothes trainers etc....I never dreamt that I would get anything like that at Christmas..."
I would never stretch to iPads, I'm still a tight arse! Plus I think technology is ruining childhoods |
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By (user no longer on site)
over a year ago
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I bought most of the presents from poundland 
I made 2 ruffle scarves ( I crochet) and bought my mum a sign months before Xmas that says "I like to cook with wine, sometimes I even put it in the food" :D |
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By (user no longer on site)
over a year ago
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"I'm not judging anyone who is in debt, but wonder if they could do something differently to avoid it. Perhaps £5 a week into a savings account or buy £20 of shop vouchers a month?"
I put 30/40 away a month so have money saved for xmas |
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By (user no longer on site)
over a year ago
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1 word.
expectation!
kids expect to have the same as their peers, no matter the financial status of their parents or those of their friends parents.
and for kids that are too young to know, its the expectation of the parents that xmas is going to be shite without buying every single bit of worthless tat they can lay their hands on in order to placate their offspring.
this year i will not be carrying any debt forward, in fact, am actually better financially this year than ever before.
V has a small 300 euro loan to repay for what she bought for her kids, which is a hell of a difference from last year.
they have been told, and so didnt expect.
the money just aint there |
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By (user no longer on site)
over a year ago
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I've done it in the past and so hard to catch up. Luckily this year I grabbed some bargains, I'm not behind and still have some money to last me until the end of the month |
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I have an 18 month interest free credit card that I got back in April to get a new cooker coz mine was knackered. I've put a few bits on there but can pay it off before the intersect starts going on in September.
I'm also paying into a 'park' account this year so will get £300 vouchers in October ready for next Xmas.
And I have a very account that you can get thinks and pay over 3 months with no interest so I get bits on there and pay it off quickly x |
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By *ebsCoupleCouple
over a year ago
Orpington/london |
"I know some people start their Christmas shopping in the January sales. Perhaps more of us should."
I do this every year,cards paper bows etc all in the loft for this Xmas and buys gifts all year around.
Xmas cards get written out in the summer and all posted on the first of December.
I have a check list & updates it every time I buy something, log who its for wrap it and put it away.
January sale bits also come in handy, you never get caught out with a forgotten birthday or anniversary. Just never buy the items packaged for Xmas, nail varnish (as it can go hard) or chocolate.
Normally we're finished by 1st of October give it take a wk.
And you save loads of money.
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By *ebsCoupleCouple
over a year ago
Orpington/london |
"I budgeted the extra spendings and spread them over 2 months.
Leant to control money the hard way, and the end of the tunnel is in sight.  "
i think everyone has been there in one way or another,to sonera degree at least once in their lives. |
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By (user no longer on site)
over a year ago
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I am.lucky to be able to save every month. Xmas was covered by my saving fund from Novembers pay. Only went over by £30.
I am lucky, but must try harder to get my test and car money up next.
 |
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By *ebsCoupleCouple
over a year ago
Orpington/london |
"I am.lucky to be able to save every month. Xmas was covered by my saving fund from Novembers pay. Only went over by £30.
I am lucky, but must try harder to get my test and car money up next.
"
well done |
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By *ruitWoman
over a year ago
near kings lynn |
I had a sudden family emergency which all in all meant travelling and booking 2 nights in a travelodge after a very short decision of going. All in all it cost me about 200 pound.
That has taken a massive knock on my finances.
Luckily me being there assisted in the situation and was beneficial x |
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By *ebsCoupleCouple
over a year ago
Orpington/london |
"I had a sudden family emergency which all in all meant travelling and booking 2 nights in a travelodge after a very short decision of going. All in all it cost me about 200 pound.
That has taken a massive knock on my finances.
Luckily me being there assisted in the situation and was beneficial x"
Thats not good,hope all is ok now.
Its a Bugger when that happens at xmas |
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"I'm not judging anyone who is in debt, but wonder if they could do something differently to avoid it. Perhaps £5 a week into a savings account or buy £20 of shop vouchers a month?"
that what i do and save all year around so im not in debt
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