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borrowing for christmas

Comments

  • #2
    lostdisk
    Registered Users, Registered Users 2 Posts: 117 ✭✭lostdisk


    Set up a charity there. Be on a hundreh graaand be two yeaars bosco.


  • #3
    Lisha
    Registered Users, Registered Users 2 Posts: 8,696 ✭✭✭Lisha


    No, I did not spend too much on my own kids and I got a bit stingy on presents for godchildren, nieces and nephews.
    Found it hard to stick to budget but fir once I did not waver and put anything on credit card.

    I hate money lenders though. The interest they charge is extortionate.

    I dunno if a one present type campaign is of any use though. A lot if kids in my sons class who get the outlandish presents are they ones whose parents are on benifits.

    Ah answer, moneylenders are scum of the earth.


  • #4
    shruikan2553
    Closed Accounts Posts: 6,113 ✭✭✭shruikan2553


    Christmas is at the same time every year. You should be able to plan for it with whatever you "earn". No point complaining you cant afford bills afterwards, you know how much you have to pay so dont do it if you cant afford to.


  • #5
    Femme_Fatale
    Closed Accounts Posts: 5,628 ✭✭✭Femme_Fatale


    I don't ever hear these apparent numerous annual stories of people borrowing beyond their means for Christmas from dodgy lenders, and then seeming surprised at having to pay it back/complaining about having to pay their bills.

    The woman in the story linked does seem like an irresponsible dope, but it is one story and it is not news; it is rabble-rousing, whipping up hatred towards single mothers/unemployed people in general, not just the arsehole ones.


  • #6
    Boombastic
    Closed Accounts Posts: 6,496 ✭✭✭Boombastic


    Lisha wrote: »
    ......

    ......
    I dunno if a one present type campaign is of any use though. A lot if kids in my sons class who get the outlandish presents are they ones whose parents are on benifits.

    ........
    it probably wouldn't, as you say, they get these presents off parents, not santa.
    shruikan2553 wrote: »
    Christmas is at the same time every year. You should be able to plan for it with whatever you "earn". No point complaining you cant afford bills afterwards, you know how much you have to pay so dont do it if you cant afford to.
    It still seems to come as a suprise to some people


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  • #7
    Boombastic
    Closed Accounts Posts: 6,496 ✭✭✭Boombastic


    Femme_Fatale wrote: »
    I don't ever hear these apparent numerous annual stories of people borrowing beyond their means for Christmas from dodgy lenders, and then seeming surprised at having to pay it back/complaining about having to pay their bills.

    The woman in the story linked does seem like an irresponsible dope, but it is one story and it is not news; it is rabble-rousing, whipping up hatred towards single mothers/unemployed people in general, not just the arsehole ones.

    Tune in to joe duffy, he's covered peoole borrowing fro money lenders a few times this year and will more than likely cover it again in the new year, it happens


  • #8
    catallus
    Closed Accounts Posts: 6,106 ✭✭✭catallus


    I have no doubt Joe Duffy covers such stories, but by all accounts he covers a lot of topics.

    Moneylenders exist for a reason.

    They seem to get a lot of flak, maybe because they seem to be working outside the normal financial infrastructure. I'm sure a few are acting illegally, but the same could be said for the banks credit unions and building societies in this country.


  • #9
    [Deleted User]
    Posts: 31,118 ✭✭✭✭ [Deleted User]


    Consumerism!
    The god of the modern people, worshipper will spend as much as is necessary to appease their dependants, based on the expectations that advertising places in their minds regardless of their ability to afford such items.

    Unfortunately, many parents confuse their children’s dreams with expectations and will buy regardless of the financial hardship that such purchases will cause.

    It really comes down to managing their expectations without coming across as "mean", and for many, going to moneylenders is the worst thing possible.


  • #10
    qo2cj1dsne8y4k
    Closed Accounts Posts: 23,646 ✭✭✭✭qo2cj1dsne8y4k


    Facebook friends with a girl I was in school with, she's got two kids (7 and 4) lives in a council house, and doesn't work. She's 24.

    She posted a pic up Christmas Morning, "Santas been". OMG. I tell ya, those kids must have been crapping themselves with excitement when they woke up. Two go carts, among a sea of other stuff.

    You would wonder though, how people who need so much financial assistance from the government can afford such a lavish day.


  • #11
    Boombastic
    Closed Accounts Posts: 6,496 ✭✭✭Boombastic


    LexieOnRale wrote: »
    Facebook friends with a girl I was in school with, she's got two kids (7 and 4) lives in a council house, and doesn't work. She's 24.

    She posted a pic up Christmas Morning, "Santas been". OMG. I tell ya, those kids must have been crapping themselves with excitement when they woke up. Two go carts, among a sea of other stuff.

    You would wonder though, how people who need so much financial assistance from the government can afford such a lavish day.

    Maybe social wefare need to watch fb closer and make cuts to payments as necessary.


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  • #12
    qo2cj1dsne8y4k
    Closed Accounts Posts: 23,646 ✭✭✭✭qo2cj1dsne8y4k


    Boombastic wrote: »
    Maybe social wefare need to watch fb closer and make cuts to payments as necessary.

    She's actually a great mother, the kids want for nothing by the looks of things but you'd wonder how someone not working can drop that kind of money for one day.


  • #13
    Boombastic
    Closed Accounts Posts: 6,496 ✭✭✭Boombastic


    LexieOnRale wrote: »
    She's actually a great mother, the kids want for nothing by the looks of things but you'd wonder how someone not working can drop that kind of money for one day.

    Maye she is, if providing materialistic things make you a great mother' In my opinion setting a good example to your children by working and not relying on the state to paay your way for you, would be a better mother.All that tells me is the rate handouts she's recieving is too high


  • #14
    qo2cj1dsne8y4k
    Closed Accounts Posts: 23,646 ✭✭✭✭qo2cj1dsne8y4k


    Boombastic wrote: »
    Maye she is, if providing materialistic things make you a great mother' In my opinion setting a good example to your children by working and not relying on the state to paay your way for you, would be a better mother.All that tells me is the rate handouts she's recieving is too high
    Not just materialistic things, not to digress, I don't know her very well but her kids seem well minded, looked after and she's not always out posting up "drinkies wit d girlies gettin ****in rotton" type statuses like most other single mothers i know.

    But I would agree, that if you can spend that much on Christmas using taxpayers money then yeah you'd wonder why they're getting so much. Unless she's borrowing money and then spending the year paying it off which is even more stupid.


  • #15
    Murt10
    Registered Users, Registered Users 2 Posts: 1,207 ✭✭✭Murt10


    Maybe the kids father and grand parents bought them.


  • #16
    wazky
    Closed Accounts Posts: 3,516 ✭✭✭wazky


    Murt10 wrote: »
    Maybe the kids father and grand parents bought them.

    Stop ruining this with logic!

    Better story when we jump to conclusions about social welfare payments.


  • #17
    Annasopra
    Registered Users, Registered Users 2 Posts: 41,158 ✭✭✭✭Annasopra


    LexieOnRale wrote: »
    She's actually a great mother, the kids want for nothing by the looks of things but you'd wonder how someone not working can drop that kind of money for one day.
    Maybe just maybe she saved all year or maybe she has a kind family member.

    Ffs the nasty begrudgery of some people on this forum is endless.

    It was so much easier to blame it on Them. It was bleakly depressing to think that They were Us. If it was Them, then nothing was anyone's fault. If it was us, what did that make Me? After all, I'm one of Us. I must be. I've certainly never thought of myself as one of Them. No one ever thinks of themselves as one of Them. We're always one of Us. It's Them that do the bad things.

    Terry Pratchet



  • #18
    qo2cj1dsne8y4k
    Closed Accounts Posts: 23,646 ✭✭✭✭qo2cj1dsne8y4k


    Murt10 wrote: »
    Maybe the kids father and grand parents bought them.

    Doubt the baby daddy bought them, he's locked up


  • #19
    Boombastic
    Closed Accounts Posts: 6,496 ✭✭✭Boombastic


    Murt10 wrote: »
    Maybe the kids father and grand parents bought them.

    Maybe they did. If they are that generous, why is the council providing housing and not the generous grandparents/father. I don't want personalise to this about lexis' friend because there are many in similar situtations.


  • #20
    Annasopra
    Registered Users, Registered Users 2 Posts: 41,158 ✭✭✭✭Annasopra


    MAYBE she starved herself all year to buy toys for the kids

    It was so much easier to blame it on Them. It was bleakly depressing to think that They were Us. If it was Them, then nothing was anyone's fault. If it was us, what did that make Me? After all, I'm one of Us. I must be. I've certainly never thought of myself as one of Them. No one ever thinks of themselves as one of Them. We're always one of Us. It's Them that do the bad things.

    Terry Pratchet



  • #21
    Boombastic
    Closed Accounts Posts: 6,496 ✭✭✭Boombastic


    mango salsa wrote: »
    MAYBE she starved herself all year to buy toys for the kids

    Then she is an idiot, food is vital for life, loads of toys at christmas are not


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  • #22
    wazky
    Closed Accounts Posts: 3,516 ✭✭✭wazky


    Boombastic wrote: »
    Then she is an idiot, food is vital for life, loads of toys at christmas are not

    Maybe she sold the third kid to pay for the toys?


  • #23
    Sir Digby Chicken Caesar
    Banned (with Prison Access) Posts: 23,556 ✭✭✭✭Sir Digby Chicken Caesar


    maybe the ghost of chairman mao taught her how to work the evil capitalist society to her own advantage


  • #24
    Annasopra
    Registered Users, Registered Users 2 Posts: 41,158 ✭✭✭✭Annasopra


    Boombastic wrote: »
    Then she is an idiot, food is vital for life, loads of toys at christmas are not

    Maybe just maybe she wants her kids to have a happy childhood not a miserable one.

    It was so much easier to blame it on Them. It was bleakly depressing to think that They were Us. If it was Them, then nothing was anyone's fault. If it was us, what did that make Me? After all, I'm one of Us. I must be. I've certainly never thought of myself as one of Them. No one ever thinks of themselves as one of Them. We're always one of Us. It's Them that do the bad things.

    Terry Pratchet



  • #25
    marshbaboon
    Closed Accounts Posts: 1,184 ✭✭✭marshbaboon


    Cut the welfare payments, drop the parents on wolf island & ship the children to India to be melted down into tallow for a power plant.

    These welfare pirates have to dealt with quickly and severely.


  • #26
    Boombastic
    Closed Accounts Posts: 6,496 ✭✭✭Boombastic


    mango salsa wrote: »
    Maybe just maybe she wants her kids to have a happy childhood not a miserable one.

    Yeah, nothing makes children happier than having an emancipated, anorexic, starved mother with no energy to do anything and a ps4.


  • #27
    Annasopra
    Registered Users, Registered Users 2 Posts: 41,158 ✭✭✭✭Annasopra


    marshbaboon wrote: »
    Cut the welfare payments, drop the patents on wolf island & ship the children to India to be melted down into tallow for a power plant.

    These welfare pirates have to dealt with quickly and severely.

    I know - they shouldn't just melt down the Children - they should melt down all welfare recipients and their free houses and cars and prams and mobile phones.

    It was so much easier to blame it on Them. It was bleakly depressing to think that They were Us. If it was Them, then nothing was anyone's fault. If it was us, what did that make Me? After all, I'm one of Us. I must be. I've certainly never thought of myself as one of Them. No one ever thinks of themselves as one of Them. We're always one of Us. It's Them that do the bad things.

    Terry Pratchet



  • #28
    Omeceron
    Registered Users, Registered Users 2 Posts: 438 ✭✭Omeceron


    Maybe Santa brought the presents.


  • #29
    Annasopra
    Registered Users, Registered Users 2 Posts: 41,158 ✭✭✭✭Annasopra


    Boombastic wrote: »
    Yeah, nothing makes children happier than having an emancipated, anorexic, starved mother with no energy to do anything and a ps4.
    It's better than your solution to make them poorer because of your begrudgery

    It was so much easier to blame it on Them. It was bleakly depressing to think that They were Us. If it was Them, then nothing was anyone's fault. If it was us, what did that make Me? After all, I'm one of Us. I must be. I've certainly never thought of myself as one of Them. No one ever thinks of themselves as one of Them. We're always one of Us. It's Them that do the bad things.

    Terry Pratchet



  • #30
    qo2cj1dsne8y4k
    Closed Accounts Posts: 23,646 ✭✭✭✭qo2cj1dsne8y4k


    mango salsa wrote: »
    It's better than your solution to make them poorer because of your begrudgery

    I doubt boomtastic is jealous of a go kart :/


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  • #31
    Boombastic
    Closed Accounts Posts: 6,496 ✭✭✭Boombastic


    mango salsa wrote: »
    It's better than your solution to make them poorer because of your begrudgery

    Better to blame begrudgery, than the parents choices, i suppose. I didn't bring the children in to the world, but blame me if it makes you feel better


  • #32
    [Deleted User]
    Posts: 31,118 ✭✭✭✭ [Deleted User]


    mango salsa wrote: »
    Maybe just maybe she wants her kids to have a happy childhood not a miserable one.
    Quite frankly, having loving parents is worth much more that a pile of "tat" bought just to fill a "santa's sack". One or two "special" toys will be more than enough for most children.

    Parents, can you now see how many of the toys you've just given your children are actually played with more than once. I have just looked at the pile of toys in the kids room and can count on the fingers of one hand the times they've actually been played with!

    There was a survey recently (can't be arsed to find the source, but) that showed that most children will usually only play with one or two toys on a regular basis, the rest are stuck in the toy box!


  • #33
    Annasopra
    Registered Users, Registered Users 2 Posts: 41,158 ✭✭✭✭Annasopra


    LexieOnRale wrote: »
    I doubt boomtastic is jealous of a go kart :/

    Not jealous; begrudging

    It was so much easier to blame it on Them. It was bleakly depressing to think that They were Us. If it was Them, then nothing was anyone's fault. If it was us, what did that make Me? After all, I'm one of Us. I must be. I've certainly never thought of myself as one of Them. No one ever thinks of themselves as one of Them. We're always one of Us. It's Them that do the bad things.

    Terry Pratchet



  • #34
    Sir Digby Chicken Caesar
    Banned (with Prison Access) Posts: 23,556 ✭✭✭✭Sir Digby Chicken Caesar


    mango salsa wrote: »
    Not jealous; begrudging

    i doubt he'd care if the children were showered with ipads, ps4's and new ferraris provided it wasn't done with taxpayer money


  • #35
    Annasopra
    Registered Users, Registered Users 2 Posts: 41,158 ✭✭✭✭Annasopra


    Boombastic wrote: »
    Better to blame begrudgery, than the parents choices, i suppose. I didn't bring the children in to the world, but blame me if it makes you feel better

    Oh right yeah she obviously chose that her babys father should go to prison

    It was so much easier to blame it on Them. It was bleakly depressing to think that They were Us. If it was Them, then nothing was anyone's fault. If it was us, what did that make Me? After all, I'm one of Us. I must be. I've certainly never thought of myself as one of Them. No one ever thinks of themselves as one of Them. We're always one of Us. It's Them that do the bad things.

    Terry Pratchet



  • #36
    Annasopra
    Registered Users, Registered Users 2 Posts: 41,158 ✭✭✭✭Annasopra


    Sir Digby Chicken Caesar wrote: »
    i doubt he'd care if the children were showered with ipads, ps4's and new ferraris provided it wasn't done with taxpayer money
    How do you know what money paid for it?

    It was so much easier to blame it on Them. It was bleakly depressing to think that They were Us. If it was Them, then nothing was anyone's fault. If it was us, what did that make Me? After all, I'm one of Us. I must be. I've certainly never thought of myself as one of Them. No one ever thinks of themselves as one of Them. We're always one of Us. It's Them that do the bad things.

    Terry Pratchet



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  • #37
    qo2cj1dsne8y4k
    Closed Accounts Posts: 23,646 ✭✭✭✭qo2cj1dsne8y4k


    mango salsa wrote: »
    Oh right yeah she obviously chose that her babys father should go to prison

    Eh?? It's not like he was put in there and is an innocent victim, to be fair.


  • #38
    Boombastic
    Closed Accounts Posts: 6,496 ✭✭✭Boombastic


    mango salsa wrote: »
    Oh right yeah she obviously chose that her babys father should go to prison

    She chose to have a child with him at 16 and another one a few years later (assuming the same father) Maybe her generous parents should have taught her about contraception and consequences. I suppose it's not the fathers fault he ended up in prision, that too would be societies fault, and mine


  • #39
    Annasopra
    Registered Users, Registered Users 2 Posts: 41,158 ✭✭✭✭Annasopra


    LexieOnRale wrote: »
    Eh?? It's not like he was put in there and is an innocent victim, to be fair.

    Some friend you are

    It was so much easier to blame it on Them. It was bleakly depressing to think that They were Us. If it was Them, then nothing was anyone's fault. If it was us, what did that make Me? After all, I'm one of Us. I must be. I've certainly never thought of myself as one of Them. No one ever thinks of themselves as one of Them. We're always one of Us. It's Them that do the bad things.

    Terry Pratchet



  • #40
    qo2cj1dsne8y4k
    Closed Accounts Posts: 23,646 ✭✭✭✭qo2cj1dsne8y4k


    mango salsa wrote: »
    Some friend you are

    What? Haha OMG. We're Facebook friends, I know her from school. She chose to have two kids with him, it's nobody else's fault he's locked up tbh.


  • #41
    Boombastic
    Closed Accounts Posts: 6,496 ✭✭✭Boombastic


    mango salsa wrote: »
    How do you know what money paid for it?

    It could be money from a robbery he carried out or drug dealing.


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  • #42
    Boombastic
    Closed Accounts Posts: 6,496 ✭✭✭Boombastic


    The 18-34 age bracket are the most likely to use a moneylender with 12 per cent say they will do so in 2013.
    The survey showed that 7 in 10 consumers will take a month or more to financially recover from the costs of Christmas with 6 per cent of people saying they will still be feeling its financial effect nine months from now.
    http://businessetc.thejournal.ie/money-spent-christmas-1217659-Dec2013/


  • #43
    Kaiser D
    Closed Accounts Posts: 2,880 ✭✭✭Kaiser D


    Her kid is actually called Mya-Renee, ffs.


  • #44
    candy-gal1
    Registered Users, Registered Users 2 Posts: 6,568 ✭✭✭candy-gal1


    On the subject on whether Id ever get a loan etc I go by my dads advice which he gave me from a young enough age, never take a loan/lend out unless its for a house, a house is a long term investment so its worth it and and you can live in it :)


  • #45
    GoAheadCaller
    Registered Users, Registered Users 2 Posts: 34 ✭GoAheadCaller


    Neither a borrower nor a lender be.


  • #46
    Kevhog1988
    Registered Users, Registered Users 2 Posts: 4,175 ✭✭✭Kevhog1988


    never lend borrow or steal i was always told…

    spent 150 quid on sons xmas presents and another 150 in his bank account. That equates to 6 quid a week….


  • #47
    KyussBishop
    Closed Accounts Posts: 5,797 ✭✭✭KyussBishop


    In the spirit of Christmas and all, lets do what Jesus did to the moneylenders :pac:
    https://upload.wikimedia.org/wikipedia/commons/8/8c/Giotto_-_Scrovegni_-_-27-_-_Expulsion_of_the_Money-changers_from_the_Temple.jpg
    https://en.wikipedia.org/wiki/Cleansing_of_the_Temple


  • #48
    Electric Sheep
    Registered Users, Registered Users 2 Posts: 2,109 ✭✭✭Electric Sheep


    mango salsa wrote: »
    Maybe just maybe she wants her kids to have a happy childhood not a miserable one.

    In which case she's doing it wrong.


  • #49
    [Deleted User]
    Posts: 50,630 ✭✭✭✭ [Deleted User]


    OP banned for trolling.

    Lads, if you report someone as a troll you should be ignoring them as per the charter.
    dr.bollocko wrote: »

    Just as bad as trolling is "Feeding the Trolls". Please do not reply to comments that are blatantly from a troll. Do not to abuse them or call these posters trolls. It is up to the moderators to judge this, so simply report the posts or private message any moderator of after hours. At the point at which a troll has gotten a negative reply from you they have won. The trolling was successful and has been fed. When encouraged by success and feeding, trolls often return.

    If you hang around long enough you will get to spot them quickly. We can all lose the head with people on the internet. Mainly because it's easy.
    But we would implore you to not feed the trolls. Instead report them to us moderators.


This discussion has been closed.
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