vortexring 0 #26 October 9, 2008 Jesus!Fuck that!! At least it's not a 22 though. 'for it's Tommy this, an' Tommy that, an' "chuck 'im out, the brute!" But it's "saviour of 'is country" when the guns begin to shoot.' Quote Share this post Link to post Share on other sites
Pegandmeg 0 #27 October 9, 2008 Although my personal debt is nil, I have to say that at one point it was HUGE. It's just that my house had so much equity that 10 years ago, I consolidated all that debt into my mortgage. It was 8k. Quote Share this post Link to post Share on other sites
grimmie 186 #28 October 9, 2008 OK, we'll fly a Jet Ranger then. Quote Share this post Link to post Share on other sites
diverborg 0 #29 October 9, 2008 Not counting my mortgage, well before I got married 8 months ago my debt was nothing. Since I got married, well lets see, I just inherited about $60,000 of debt and only about $15,000 of that has any net value. Quote Share this post Link to post Share on other sites
vortexring 0 #30 October 9, 2008 Still single engine bro! 'for it's Tommy this, an' Tommy that, an' "chuck 'im out, the brute!" But it's "saviour of 'is country" when the guns begin to shoot.' Quote Share this post Link to post Share on other sites
grimmie 186 #31 October 9, 2008 Welcome to the club! Quote Share this post Link to post Share on other sites
vortexring 0 #32 October 9, 2008 Quote Not counting my mortgage, well before I got married 8 months ago my debt was nothing. Since I got married, well lets see, I just inherited about $60,000 of in debt and only about $15,000 of that has any net value. This thread I've put on is a bit uncomfortable really. Can I be rude, and ask; is this causing any problems of significance in your relationship with your partner? 'for it's Tommy this, an' Tommy that, an' "chuck 'im out, the brute!" But it's "saviour of 'is country" when the guns begin to shoot.' Quote Share this post Link to post Share on other sites
JerryBaumchen 1,493 #33 October 9, 2008 You did not have a choice for zero debt; that would be me. I have borrowed money twice in my life, for two different houses. Other than that everything has been paid for in cash, check, etc. And that includes every car that I have ever owned; and that includes the last one that I bought that I paid $38,500 for, used. Yup, I'm unAmerican, JerryBaumchen PS) My brother is the same as me. Quote Share this post Link to post Share on other sites
grimmie 186 #34 October 9, 2008 Ok, I give, you're paying the hourly for the 412! Quote Share this post Link to post Share on other sites
vortexring 0 #35 October 9, 2008 Quote Ok, I give, you're paying the hourly for the 412! Get yourself in this bad boy. It has canvas blades! 'for it's Tommy this, an' Tommy that, an' "chuck 'im out, the brute!" But it's "saviour of 'is country" when the guns begin to shoot.' Quote Share this post Link to post Share on other sites
diverborg 0 #36 October 9, 2008 Quote Quote Not counting my mortgage, well before I got married 8 months ago my debt was nothing. Since I got married, well lets see, I just inherited about $60,000 of in debt and only about $15,000 of that has any net value. This thread I've put on is a bit uncomfortable really. Can I be rude, and ask; is this causing any problems of significance in your relationship with your partner? Well, I had my tantrum after I found about it all soon after the wedding, and still worked up a budget and got over it. We are making some headway and still putting some money away. In order to do that though it involved some serious lecturing and some bitter arguments till she finally got on board with me to understand that she has to listen to me if she wants to keep the house or ever retire. We still have our struggles but the worst is over. I just had to accept that I'm not going to be able to make some of the investments that I wanted to and retire early. Quote Share this post Link to post Share on other sites
vortexring 0 #37 October 9, 2008 Quote You did not have a choice for zero debt; that would be me. I have borrowed money twice in my life, for two different houses. Other than that everything has been paid for in cash, check, etc. And that includes every car that I have ever owned; and that includes the last one that I bought that I paid $38,500 for, used. Yup, I'm unAmerican, JerryBaumchen PS) My brother is the same as me. No, I didn't put that option on, because nobody is in zero debt - do you pay your utility bills by d/d? 'for it's Tommy this, an' Tommy that, an' "chuck 'im out, the brute!" But it's "saviour of 'is country" when the guns begin to shoot.' Quote Share this post Link to post Share on other sites
AllisonH 0 #38 October 9, 2008 Quote Quote You did not have a choice for zero debt; that would be me. I have borrowed money twice in my life, for two different houses. Other than that everything has been paid for in cash, check, etc. And that includes every car that I have ever owned; and that includes the last one that I bought that I paid $38,500 for, used. Yup, I'm unAmerican, JerryBaumchen PS) My brother is the same as me. No, I didn't put that option on, because nobody is in zero debt - do you pay your utility bills by d/d? They're taken out of my checking account automatically each month, as is my DSL bill. Quote Share this post Link to post Share on other sites
vortexring 0 #39 October 9, 2008 Quote Quote Quote Not counting my mortgage, well before I got married 8 months ago my debt was nothing. Since I got married, well lets see, I just inherited about $60,000 of in debt and only about $15,000 of that has any net value. This thread I've put on is a bit uncomfortable really. Can I be rude, and ask; is this causing any problems of significance in your relationship with your partner? Well, I had my tantrum after I found about it all soon after the wedding, and still worked up a budget and got over it. We are making some headway and still putting some money away. In order to do that though it involved some serious lecturing and some bitter arguments till she finally got on board with me to understand that she has to listen to me if she wants to keep the house or ever retire. We still have our struggles but the worst is over. I just had to accept that I'm not going to be able to make some of the investments that I wanted to and retire early. It's always the same! Mentalist wife has to buy designer shoes every 3 hours, or what have you. I've tried lecturing my Missus and ended up with a frying pan approaching my melon with a speed close to that of light. 'for it's Tommy this, an' Tommy that, an' "chuck 'im out, the brute!" But it's "saviour of 'is country" when the guns begin to shoot.' Quote Share this post Link to post Share on other sites
vortexring 0 #40 October 9, 2008 Quote Quote Quote You did not have a choice for zero debt; that would be me. I have borrowed money twice in my life, for two different houses. Other than that everything has been paid for in cash, check, etc. And that includes every car that I have ever owned; and that includes the last one that I bought that I paid $38,500 for, used. Yup, I'm unAmerican, JerryBaumchen PS) My brother is the same as me. No, I didn't put that option on, because nobody is in zero debt - do you pay your utility bills by d/d? They're taken out of my checking account automatically each month, as is my DSL bill. Sure they are, but I'd still consider it a debt in regards to utility bills, unless you're in direct comms each month briefing the thiefs on your usage. Try changing to a different gas provider and see your final payment if you've not being doing so! 'for it's Tommy this, an' Tommy that, an' "chuck 'im out, the brute!" But it's "saviour of 'is country" when the guns begin to shoot.' Quote Share this post Link to post Share on other sites
diverborg 0 #41 October 9, 2008 Quote Quote Quote Quote Not counting my mortgage, well before I got married 8 months ago my debt was nothing. Since I got married, well lets see, I just inherited about $60,000 of in debt and only about $15,000 of that has any net value. This thread I've put on is a bit uncomfortable really. Can I be rude, and ask; is this causing any problems of significance in your relationship with your partner? Well, I had my tantrum after I found about it all soon after the wedding, and still worked up a budget and got over it. We are making some headway and still putting some money away. In order to do that though it involved some serious lecturing and some bitter arguments till she finally got on board with me to understand that she has to listen to me if she wants to keep the house or ever retire. We still have our struggles but the worst is over. I just had to accept that I'm not going to be able to make some of the investments that I wanted to and retire early. It's always the same! Mentalist wife has to buy designer shoes every 3 hours, or what have you. I've tried lecturing my Missus and ended up with a frying pan approaching my melon with a speed close to that of light. Should've gone to freecreditreport.com, I'd be a happy bachelor with a dog and a yard. jk, I really do love my wife p.s. its from a commercial over here in the states in case you hadn't heard it before. Quote Share this post Link to post Share on other sites
AllisonH 0 #42 October 9, 2008 Quote Quote Quote Quote You did not have a choice for zero debt; that would be me. I have borrowed money twice in my life, for two different houses. Other than that everything has been paid for in cash, check, etc. And that includes every car that I have ever owned; and that includes the last one that I bought that I paid $38,500 for, used. Yup, I'm unAmerican, JerryBaumchen PS) My brother is the same as me. No, I didn't put that option on, because nobody is in zero debt - do you pay your utility bills by d/d? They're taken out of my checking account automatically each month, as is my DSL bill. Sure they are, but I'd still consider it a debt in regards to utility bills, unless you're in direct comms each month briefing the thiefs on your usage. Try changing to a different gas provider and see your final payment if you've not being doing so! They read the meter every other month, and they usually overestimate my usage. So one month I pay extra, then the next when they actually read it I owe less, or sometimes they end up owing me. Quote Share this post Link to post Share on other sites
vortexring 0 #43 October 9, 2008 I once had a good friend who's Mrs went a bit daft on the old credit cards - and more than once too - even after he'd discovered the initial spending spree. I knew/know them both well - lovely people, except she was a fruitcake for buying things beyond her means. How d'you deal with that in a marriage!You've my sympathy cos it seems your Missus didn't tell yer about the debt until you were married - that's fuckin' alarm bells in my book. Some of the most decent people I know are psycho nut jobs when it comes to finances. But grip your wife in regards to expenditure - cos she's gripping you, and not thinking about the repayments on the c/c! And if you've debt on c/c's - don't pay the min. payment each month - cut the bastard card in two and pay off as much as yer can till it's gone! 'for it's Tommy this, an' Tommy that, an' "chuck 'im out, the brute!" But it's "saviour of 'is country" when the guns begin to shoot.' Quote Share this post Link to post Share on other sites
headoverheels 334 #44 October 9, 2008 Except the mortgage, zero, and I could pay that off in cash if I so desired. "Normal" years, I save about half of my after-tax income, assuming that I'm not buying a car (I'm 54 years old, on my 3rd car) or something. I do need to do about $250k in house renovations, so I will probably take on some more mortgage debt. Quote Share this post Link to post Share on other sites
vortexring 0 #45 October 9, 2008 Quote Quote Quote Quote Quote You did not have a choice for zero debt; that would be me. I have borrowed money twice in my life, for two different houses. Other than that everything has been paid for in cash, check, etc. And that includes every car that I have ever owned; and that includes the last one that I bought that I paid $38,500 for, used. Yup, I'm unAmerican, JerryBaumchen PS) My brother is the same as me. No, I didn't put that option on, because nobody is in zero debt - do you pay your utility bills by d/d? They're taken out of my checking account automatically each month, as is my DSL bill. Sure they are, but I'd still consider it a debt in regards to utility bills, unless you're in direct comms each month briefing the thiefs on your usage. Try changing to a different gas provider and see your final payment if you've not being doing so! They read the meter every other month, and they usually overestimate my usage. So one month I pay extra, then the next when they actually read it I owe less, or sometimes they end up owing me. Nice to hear they read the meter each month - over here they don't give a fuck. Most people pay each month a sum by direct debit which isn't anything like they should be paying - cos when they went to the provider they were deliberatly given a low false reading to 'magnify' what a great company they were/are financially. Whilst the fuckers don't even bother coming out to read the meter - they reckon it's the owner of the households responsibility to tell them the readings! Hence fuck off massive bills for such people not telling the utility thieves their readings. I dunno - the internet is fantastic for top tips on saving money each month no matter what country you live in. If you know how to use it. 'for it's Tommy this, an' Tommy that, an' "chuck 'im out, the brute!" But it's "saviour of 'is country" when the guns begin to shoot.' Quote Share this post Link to post Share on other sites
diverborg 0 #46 October 9, 2008 Quote I once had a good friend who's Mrs went a bit daft on the old credit cards - and more than once too - even after he'd discovered the initial spending spree. I knew/know them both well - lovely people, except she was a fruitcake for buying things beyond her means. How d'you deal with that in a marriage!You've my sympathy cos it seems your Missus didn't tell yer about the debt until you were married - that's fuckin' alarm bells in my book. Some of the most decent people I know are psycho nut jobs when it comes to finances. But grip your wife in regards to expenditure - cos she's gripping you, and not thinking about the repayments on the c/c! And if you've debt on c/c's - don't pay the min. payment each month - cut the bastard card in two and pay off as much as yer can till it's gone! Well, before I make my wife out to be a monster, I should clarify a few things. She knew she had debt, she just didn't know the amount. The debt does not include credit cards thank heavens, its a vehicle she owed money on that no longer existed and a new one that we have (hence $15,000 net) and student loans. So the debt is easily manageable. She does like to spend, but its not out of control like some women. She just simply didn't know how to be financially responsible because her parents never made her be. Her parents are the ones that dropped all the bills on me after the wedding. I fault them partially for that, but I can't really complain because they've done a lot for us as well as they paid for the entire wedding which was quite the bash I must say. Quote Share this post Link to post Share on other sites
Heatmiser 0 #47 October 9, 2008 14000 in one car 2000 in student loans 70000 in morgtage Nada mas, essay!What you say is reflective of your knowledge...HOW ya say it is reflective of your experience. Airtwardo Someone's going to be spanked! Hopefully, it will be me. Skymama Quote Share this post Link to post Share on other sites
vortexring 0 #48 October 9, 2008 Fair enough then - it's my opinion that this ridiculous credit crisis ultimately lies with the individuals borrowing the money. Sure, the banks encouraged it, sure; the Fat Cats take outrageous profits whilst fucking people over, and of course; the 'leadership' didn't grip it - and why should they? We essentially 'voted' the fools into their positions, such as our dear PM Cyclops.It ultimately lies with the consumer - who, on average, is in a debt beyond their means of paying it off within a reasonable time. 'for it's Tommy this, an' Tommy that, an' "chuck 'im out, the brute!" But it's "saviour of 'is country" when the guns begin to shoot.' Quote Share this post Link to post Share on other sites
AllisonH 0 #49 October 9, 2008 Quote Nice to hear they read the meter each month - over here they don't give a fuck. Most people pay each month a sum by direct debit which isn't anything like they should be paying - cos when they went to the provider they were deliberatly given a low false reading to 'magnify' what a great company they were/are financially. Whilst the fuckers don't even bother coming out to read the meter - they reckon it's the owner of the households responsibility to tell them the readings! Hence fuck off massive bills for such people not telling the utility thieves their readings. I dunno - the internet is fantastic for top tips on saving money each month no matter what country you live in. If you know how to use it. Ooh, yeah, that would really suck!! Quote Share this post Link to post Share on other sites
rickjump1 0 #50 October 10, 2008 Quote Quote Ok, I give, you're paying the hourly for the 412! Get yourself in this bad boy. It has canvas blades! Vortexring, I flew Westland Whirlwinds for my first job out of the military. Flew out of Ahu Dhabi.Do your part for global warming: ban beans and hold all popcorn farts. Quote Share this post Link to post Share on other sites
