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This is a question The Credit Crunch

Did you score a bargain in Woolworths?
Meet someone nice in the queue to withdraw your 10p from Northern Rock?
Get made redundant from the job you hated enough to spend all day on b3ta?

How has the credit crunch affected you?

(, Thu 22 Jan 2009, 12:19)
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people like you
make me go a big wobbly.
'yes we've got enough money to buy some new dusters,but we had these,they work and they were free.'
-weeps with joy-
(, Mon 26 Jan 2009, 14:09, 1 reply)
well..
Whilst I might earn a decent wedge of cash, went to public school and all that jazz, I'm not rich or priviledged.

I went to the posh school by winning a scolarship, my dad worked 6 days a week (plus overtime and on-call) as an engineer/chargehand and my mum went out cleaning to make ends meet. During the last recession, my dad was sacked because he got asbestosis and had to fight for five years to get his pension, whilst the DSS screwed him out of money for eighteen months...I can remember times when we were praying that giros went in before bills went out on the same day or we'd lose our home. So, all the chavs whining about how they can't afford another new phone or have to buy their clothes from Top Shop, not Versace, can all just fuck off - they don't know what being poor or fighting through a recession is about. However, the point is that we got through and we'll do it again.

My wife's having a baby, so our income will come down, unless my bonus/pay-rise covers the difference (but not betting on it), whilst everything is going up in cost (bills, I mean - goods are nigh-on free at the moment!). So, I'm stressed, but we'll manage - by triming our cloth to suit and by being sensible.

So, no I don't waste money - we have a good lifestyle, but we don't go crazy and I'd rather spend £50 on taking my wife out for a meal than on sandwiches for lunch in London for a week. I cancelled my gym membership and rarely buy PS3 games (although I'll treat my wife to one now and again), as I'd rather work out and have fun by going snowboarding (at a snodowme) for a few hours - it costs less and unwinds me more.

So, the moral is that you don't have to be miserable in a recession, but you do need to be sensible and the best way of getting through is not to piss money away when there isn't a recession on. And to never, ever borrow money if you can help it - if you haven't got the cash, save up for it or you can't have it. Simple, really!
(, Mon 26 Jan 2009, 16:04, closed)
i salute you.completely.

(, Mon 26 Jan 2009, 16:32, closed)

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