worst financial decision you ever made?

mr_fegelien · 30-08-2019 04:31PM #1

At any age? Doesn't have to be something like investing in bull**** stocks but rather even spending money on some frivolous purchase.

For me it has to be in 5th year when I didn't want to go to study in my school so I handed up the money to the school but skived for 2 hours every day for a month until it was over. I should have just kept it. It was €300 in an envelope that I handed in. They didn't even call my parents to tell them I wasn't attending cause they didn't know.

BDI · 30-08-2019 04:33PM

Bought a fry up in a cafe in ranelagh village. They don’t include tea or coffee in the price.

14 odd quid for a breakfast.

CosmicFool · 30-08-2019 04:34PM

Got a credit card with a limit of 3 grand while in college. Didn't pay it back for years. Credit rating suffered. Every time I think about it I get annoyed at mysel.

Rufeo · 30-08-2019 04:34PM

BDI wrote: »

Bought a fry up in a cafe in ranelagh village. They don’t include tea or coffee in the price.

14 odd quid for a breakfast.

Jesus Christ.

BDI · 30-08-2019 04:36PM

Rufeo wrote: »

Jesus Christ.

Place two doors up was doing them for 9 50

Nicer ones.

mr_fegelien · 30-08-2019 04:37PM

CosmicFool wrote: »

Got a credit card with a limit of 3 grand while in college. Didn't pay it back for years. Credit rating suffered. Every time I think about it I get annoyed at mysel.

That's really funny because I overdrew my account by €200 as a student (19yrs old) and BOI just sent me letters but then closed my account.

I checked my credit rating with the Irish Credit Bureau and I found no statements on me which is interesting.

What would have happened if you just flat out refused to pay it?

byhookorbycrook · 30-08-2019 04:37PM

Bought a horse that turned out to be chronically unsound .

Mint Sauce · 30-08-2019 04:38PM

Eircom Shares.

moonlighting_1 · 30-08-2019 04:38PM

Signing up for eir broadband and phone.

freshpopcorn · 30-08-2019 04:39PM

I spent a load on drink on nights out in clubs in college just to get through the night!

Franz Von Peppercorn II · 30-08-2019 04:39PM

Selling aapl after I worked there.

CosmicFool · 30-08-2019 04:40PM

mr_fegelien wrote: »

That's really funny because I overdrew my account by €200 as a student (19yrs old) and BOI just sent me letters but then closed my account.

I checked my credit rating with the Irish Credit Bureau and I found no statements on me which is interesting.

What would have happened if you just flat out refused to pay it?

3 grand credit card is a bit different than a €200 overdraft to be fair

fryup · 30-08-2019 04:59PM

Buying a couple of Barbara Streisand tickets for her kildare concert with the intention of making a killing on ebay....but the concert wasn't an instant sell out like i anticipated and there were still tickets available on the day...so i had to sell them off outside the venue at below face value

(i know serves me right, never ticket touted since)

ytpe2r5bxkn0c1 · 30-08-2019 05:07PM

mr_fegelien wrote: »

That's really funny because I overdrew my account by €200 as a student (19yrs old) and BOI just sent me letters but then closed my account.

I checked my credit rating with the Irish Credit Bureau and I found no statements on me which is interesting.

What would have happened if you just flat out refused to pay it?

Sure, you're only just finished secondary school you said yesterday. Wait until you have real financial decisions to make.

Mine usually worked out fine but I did get stung for a few grand with Eircom Shares.

_Brian · 30-08-2019 05:08PM

Looking at bitcoin few years ago and was going to throw €100 in for a see.

Mentioned it to a friend and he pout me off.

Be worth few million now.

Yamanoto · 30-08-2019 05:08PM

Not buying property after the crash

Your Face · 30-08-2019 05:10PM

Not bashing Ireland but not leaving when I could.

30-08-2019 05:11PM

Getting involved in online gambling.

LirW · 30-08-2019 05:13PM

Doing a year long course in voice acting that set me back 5 grand. Just before I moved to Ireland and it all rendered useless.
I don't like to talk about this.

Baby01032012 · 30-08-2019 05:16PM

I invested 10000 in an investment recommendation I came across on Boards.

At one point it was worth 25000..now worth 0

Fr_Dougal · 30-08-2019 06:39PM

mr_fegelien wrote: »

At any age? Doesn't have to be something like investing in bull**** stocks but rather even spending money on some frivolous purchase.

For me it has to be in 5th year when I didn't want to go to study in my school so I handed up the money to the school but skived for 2 hours every day for a month until it was over. I should have just kept it. It was €300 in an envelope that I handed in. They didn't even call my parents to tell them I wasn't attending cause they didn't know.

Your parents must be very wealthy for you to waste their €300 like that.

Trigger Happy · 30-08-2019 06:50PM

Bought my house at the Celtic tiger peak. But I suppose I sold an apartment at the peak too so could have been worse.

Anyone going to admit buying an investment property in Bulgaria?

Mehaffey1 · 30-08-2019 07:01PM

Paying out £12,500 over two years back to a 'recruitment company'. Went in knowing the terms but was so desperate for a job at the time that I went along with it.

KathleenGrant · 30-08-2019 07:02PM

Got married...

30-08-2019 07:07PM

LirW wrote: »

Doing a year long course in voice acting that set me back 5 grand. Just before I moved to Ireland and it all rendered useless.
I don't like to talk about this.

Yeah, should definitely get your money back

For me, cars. Always cars. To be fair, it's my one indulgence, just happens to be an expensive one.

dublinman1990 · 30-08-2019 07:08PM

I recently bought a USB adapter to use for having sound working with my headphones. I installed some software on it which was to make the sound work from it. I clicked on a file inside the folder on my laptop & minutes later it left me with trojan software & malware on it. The worst €10 that I have ever spent. Buyer Beware!

harr · 30-08-2019 07:10PM

Laughing at a work colleague when he told me to buy some bitcoins when they first were available... I remember he won a 1000 euro on a starch card and used a lot of it to but the coins ...we gave him an awful slagging.. he was a huge nerd and big into gaming at the time but he hung onto a lot of the coin and sold them about 2 years ago and last I heard he made a huge profit.

Neames · 30-08-2019 07:14PM

Ran up a load of debt on a few credit cards.

Interest was crippling. Eventually cleared the debt, am very careful with money now.

Purple Mountain · 30-08-2019 07:15PM

I had a 2k credit card maxed out aged 21.
Nothing to show for it only a trip to the States and a lot of shopping bags.
But I guess I have the memories and I paid every cent back but it always taught me to save for anything extravagant in the future.

honeybear · 30-08-2019 07:20PM

Joined my 3 brothers invitation only card game ... they fleeced me!

Yer Da sells Avon · 30-08-2019 07:41PM

moonlighting_1 wrote: »

Signing up for eir broadband and phone.

I made that mistake too. They mis-sold me a package and told a lot of lies, so after giving them €45 a month for way too long, the easiest way to extricate myself from the contract was to cancel the direct debit and tell the cunts to shove it up their arse. For months, they kept texting and emailing me, reminding me that my bill (over €300, including the early cessation charge) was overdue. I just ignored it. Fuck 'em.

Then they set the debt collectors onto me. Ironically, for people whose job is to threaten and intimidate, they were lovely to deal with. I explained why I wouldn't be paying under any circumstances and I forwarded all the tedious correspondence I had with Eircom onto them. They were very sympathetic and reassured me that I wouldn't hear from them again. One email and one five-minute phone call was all it took.

Four years on, I still get the odd automated email from Eir, reminding me that I owe them various random sums of money (sometimes it's €254, sometimes it's €300). Cunts can't even get that right.

I still get annoyed when I think not just about the money, but about all the time I wasted on them - the emails, the letters, the PMs to their useless reps on here, the phone calls, being kept on hold for hours, having to explain the same thing different people every time.

Shower of cunts.

worst financial decision you ever made?

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