- Nov 3, 2015
- 3,455
Hang on. How do we know she’s had a lip implant and doesn’t just have funny looking lips? I think she’s just got funny looking lips.
understanding the principle you don't have enough money to pay for things, so stop spending, is not something that needs deep education. by maintaining this isnt the person's responsibility you enable their behaviour and perpetuate poor decisions. seeing an ad for writing off 85%... come on, who thinks that's likely to be pukka?So having given it enough thought, you can mostly understand how Shauna from Wales got into this pickle, afterall.
Most people in my experience - educated or not - have poor understanding of personal finance.. There's no compulsary education about it, it's not really a popular topic in the media, and many groups of people have no interest in talking about it.
The need for it is so blindly obvious I don't understand why it's not on the curriculum? (unless it is?).
It's possible that her mum's house isn't big enough for her daughter and 3 grandchildren so there wasn't really an option to stay any longer as the kids grow? £17k of loans to furnish her new place and get a car to enable ferrying around of the 3 rugrats? Who knows?The debt became unaffordable in the end because she moved out of her mum's home. There is no suggestion this was anything other than her choice.
What is missing from the story is how she chose to get £17,000 into debt on car and furniture loans, why she chose to seek a further loan when (and based on outgoings when) living with mum, why she then decided then to move into a rental place making the debt repayment unfeasible, and why the servicing of the debt has not dented the amount owed. As for the latter, she is either replaying what she arranged (this seems to be the case) and she has not yet serviced the capital because repayments are structured (like may mortgages used to be) to pay off the interest first, or she is not repaying what was agreed because she has new outgoings.
Really? Perhaps I'm out of touch.Youngsters of 23 can be debt by £27K before they've even started work!
Indeed. I'm not normally this pissy. Something about this story, following on from the kerfuffle about 'botox' set me off. Maybe I just need a lie down, followed by a mug of warm milk and a rusk.It's possible that her mum's house isn't big enough for her daughter and 3 grandchildren so there wasn't really an option to stay any longer as the kids grow? £17k of loans to furnish her new place and get a car to enable ferrying around of the 3 rugrats? Who knows?
I'm not sure why I'm going into bat for Shauna, but some of it might make a little sense seen from a different angle Harry
However, I am of the general view that those short of money should probably cut out non-essentials as a priority. Lip fillers (which does at least look like it's the case) are not what I would class as essential (though there are probably one or two season ticket holders that do mental gymnastics to justify keeping it despite financial strife, so it's worth remembering how differently we all see the 'essentials' of life).
It's you putting them in that debt. YOU!Really? Perhaps I'm out of touch.
Brighton fan banned for three years after attempting to smuggle a bottle top into the stadium.
Three years uni at £9K a year - like my granddaughter who’s just graduatedReally? Perhaps I'm out of touch.
Nevertheless, not sure why this particular case is therefore newsworthy.
Maybe I've got dude poisoning today. AKA Gamonella.
Oh, that. Did she get a student loan? It was the case that you had to earn well to start repaying, and the outstanding debt was cancelled after X years. I guess the tories have tweaked it so it is less favourably structured for those with no bank of mum and dad to 'borrow' from. As a bit of eyes-wide-open 'borrowing', a student loan makes a bit more sense than the case on the BBC web page.Three years uni at £9K a year - like my granddaughter who’s just graduated
Indeed. Also the article isn't fair with respect to the reporting of the lifestyle. It may not be choices at all. If she has been left by a feckless husband at age 23, with 3 kids, and no child maintenance, it would be useful to report this. The neutral approach allows speculation about unwise choices to fill the void and, as you say, a potentially important issue is missed among all the eyebrow raising by proto-gammon like myself.to be fair there is a real issue under the headline, crappy businesses conning people into debt salvation. its a shame it starts about the person and their lifestyle choices rather than that issue.
You should never have borrowed from gripper stebson.Somebody took out loans that they had no chance of paying back (stupid loans company). So they then took out an IVA and have now decided that they can't afford that either. I'm sure this happens all the time and can't understand why is this a major news story ?
Things were so much simpler when I was a kid. Borrow money you couldn't pay back, get your legs broken
My dad was a boffin who probably could have stripped and rebuilt his Cortina in an afternoon, but couldn't be bothered.I disagree with the narrative here. It is almost a trope that the daffy boffin won't know how to tie his shoe laces but his gardener could strip down and rebuild a Cortina engine in an afternoon. That's normally the exception rather than the rule.
It's about skill sets. If you have a good combination you will get on. If you don't, and among the things you lack are judgement, restraint and an ability to plan, you could end up f***ed pretty quickly.
And on top of that, layer the various spectra, that can change the colour and flavour of decision making, and you can get all sorts (of personalities and outcomes, for millionaires to recipients of the pleasure of huis majesty)).
I do think that when someone (who is not otherwise certifiably incapable) seems to have a penchant for making car-crash choices, they need either some sort of legal limiter on what they can do, or they simply gave to learn to lump it.
Gripper Stebson would have been positively Mary Poppins like amongst the money lenders where I was bought upYou should never have borrowed from gripper stebson.
I disagree with the narrative here. It is almost a trope that the daffy boffin won't know how to tie his shoe laces but his gardener could strip down and rebuild a Cortina engine in an afternoon. That's normally the exception rather than the rule.
It's about skill sets. If you have a good combination you will get on. If you don't, and among the things you lack are judgement, restraint and an ability to plan, you could end up f***ed pretty quickly.
And on top of that, layer the various spectra, that can change the colour and flavour of decision making, and you can get all sorts (of personalities and outcomes, for millionaires to recipients of the pleasure of huis majesty)).
I do think that when someone (who is not otherwise certifiably incapable) seems to have a penchant for making car-crash choices, they need either some sort of legal limiter on what they can do, or they simply gave to learn to lump it.
My knowledge of pop music after 1990 is minimal.Some people, whatever level they’re at, will be amazed that other people don’t instinctively know what they know. On a quiz programme yesterday on the TV (The Chase) one of the questions had an element of French Language about it. The contestant got it wrong and I was shouting at the television….. or at least thinking “what a pr@t”, but I know full well that plenty of people would turn off completely the moment someone says bonjour!