Poor people and credit

[Blown2CV]

BrabusMog said:

Blown2CV said:

markcoznottz said:

Blown2CV said:

a mate of Mrs 2CV is a teacher and so is her husband. Yes, professional jobs and everything, but i don't imagine that their combined wage is more than say £90k. That, again, is all fine and not to be sniffed at. However they seem to manage to afford very expensive holidays, new cars, luxury clothes and jewellery (he has a couple of expensive watches including a panerai) and they've just bought a very big house which they are doing up. I just don't understand where they get their money from, it is way above their means, and I'm convinced that either they get some kind of weird allowance from their parents, or they are up to their neck in credit. Mrs 2CV won't have it, and maintains that they must just be good with money!

The most British curtain twitching post on PH in years, gold.

it's fine to slam the poor, but not fine to even comment on the slightly less poor. I get that now.

You miss the point so spectacularly that I can only assume you're taking the piss. Nobody was slamming the poor, people were expressing concern for the idiots that borrow well above their means. This can be done at any income level, the poor just do it in double digit APR as a lifestyle choice.

how is it any different, living above your means is possible at any income level? Could it be that it mid-income living above their means is a bit too close to home to some of you?

[Blown2CV]

The Moose said:

markcoznottz said:

Blown2CV said:

a mate of Mrs 2CV is a teacher and so is her husband. Yes, professional jobs and everything, but i don't imagine that their combined wage is more than say £90k. That, again, is all fine and not to be sniffed at. However they seem to manage to afford very expensive holidays, new cars, luxury clothes and jewellery (he has a couple of expensive watches including a panerai) and they've just bought a very big house which they are doing up. I just don't understand where they get their money from, it is way above their means, and I'm convinced that either they get some kind of weird allowance from their parents, or they are up to their neck in credit. Mrs 2CV won't have it, and maintains that they must just be good with money!

The most British curtain twitching post on PH in years, gold.

I disagree. I find that sort of hing interesting. However, why not just ask the question?!

Obviously don't word it in the way of 'I think you're poor and living on the never never. Am I right?'

well considering how well received the idea has been to complete strangers on the Internet who have no emotional investment in my missus' friends' life at all, i can't imagine it would go down very well with the actual people concerned.

[xRIEx]

Blown2CV said:

a mate of Mrs 2CV is a teacher and so is her husband. Yes, professional jobs and everything, but i don't imagine that their combined wage is more than say £90k. That, again, is all fine and not to be sniffed at. However they seem to manage to afford very expensive holidays, new cars, luxury clothes and jewellery (he has a couple of expensive watches including a panerai) and they've just bought a very big house which they are doing up. I just don't understand where they get their money from, it is way above their means, and I'm convinced that either they get some kind of weird allowance from their parents, or they are up to their neck in credit. Mrs 2CV won't have it, and maintains that they must just be good with money!

Maybe they've both had large inheritances in the past.

[Tonsko]

Blown2CV said:

it's fine to slam the poor, but not fine to even comment on the slightly less poor. I get that now.

Well, the OP was, in the most sniffy way possible.

[Blown2CV]

xRIEx said:

Blown2CV said:

a mate of Mrs 2CV is a teacher and so is her husband. Yes, professional jobs and everything, but i don't imagine that their combined wage is more than say £90k. That, again, is all fine and not to be sniffed at. However they seem to manage to afford very expensive holidays, new cars, luxury clothes and jewellery (he has a couple of expensive watches including a panerai) and they've just bought a very big house which they are doing up. I just don't understand where they get their money from, it is way above their means, and I'm convinced that either they get some kind of weird allowance from their parents, or they are up to their neck in credit. Mrs 2CV won't have it, and maintains that they must just be good with money!

Maybe they've both had large inheritances in the past.

quite possibly.

[BrabusMog]

Blown2CV said:

BrabusMog said:

Blown2CV said:

markcoznottz said:

Blown2CV said:

a mate of Mrs 2CV is a teacher and so is her husband. Yes, professional jobs and everything, but i don't imagine that their combined wage is more than say £90k. That, again, is all fine and not to be sniffed at. However they seem to manage to afford very expensive holidays, new cars, luxury clothes and jewellery (he has a couple of expensive watches including a panerai) and they've just bought a very big house which they are doing up. I just don't understand where they get their money from, it is way above their means, and I'm convinced that either they get some kind of weird allowance from their parents, or they are up to their neck in credit. Mrs 2CV won't have it, and maintains that they must just be good with money!

The most British curtain twitching post on PH in years, gold.

it's fine to slam the poor, but not fine to even comment on the slightly less poor. I get that now.

You miss the point so spectacularly that I can only assume you're taking the piss. Nobody was slamming the poor, people were expressing concern for the idiots that borrow well above their means. This can be done at any income level, the poor just do it in double digit APR as a lifestyle choice.

how is it any different, living above your means is possible at any income level? Could it be that it mid-income living above their means is a bit too close to home to some of you?

Just give up mate, you're embarrassing yourself.

[johnwilliams77]

Blown2CV said:

quite possibly.

Or a second income. Perhaps she does some cam work on adultwork.

[InductionRoar]

BrabusMog said:

Blown2CV said:

BrabusMog said:

Blown2CV said:

markcoznottz said:

Blown2CV said:

a mate of Mrs 2CV is a teacher and so is her husband. Yes, professional jobs and everything, but i don't imagine that their combined wage is more than say £90k. That, again, is all fine and not to be sniffed at. However they seem to manage to afford very expensive holidays, new cars, luxury clothes and jewellery (he has a couple of expensive watches including a panerai) and they've just bought a very big house which they are doing up. I just don't understand where they get their money from, it is way above their means, and I'm convinced that either they get some kind of weird allowance from their parents, or they are up to their neck in credit. Mrs 2CV won't have it, and maintains that they must just be good with money!

The most British curtain twitching post on PH in years, gold.

it's fine to slam the poor, but not fine to even comment on the slightly less poor. I get that now.

You miss the point so spectacularly that I can only assume you're taking the piss. Nobody was slamming the poor, people were expressing concern for the idiots that borrow well above their means. This can be done at any income level, the poor just do it in double digit APR as a lifestyle choice.

how is it any different, living above your means is possible at any income level? Could it be that it mid-income living above their means is a bit too close to home to some of you?

Just give up mate, you're embarrassing yourself.

It's never stopped him before.

[northwest monkey]

Blown2CV said:

xRIEx said:

Blown2CV said:

a mate of Mrs 2CV is a teacher and so is her husband. Yes, professional jobs and everything, but i don't imagine that their combined wage is more than say £90k. That, again, is all fine and not to be sniffed at. However they seem to manage to afford very expensive holidays, new cars, luxury clothes and jewellery (he has a couple of expensive watches including a panerai) and they've just bought a very big house which they are doing up. I just don't understand where they get their money from, it is way above their means, and I'm convinced that either they get some kind of weird allowance from their parents, or they are up to their neck in credit. Mrs 2CV won't have it, and maintains that they must just be good with money!

Maybe they've both had large inheritances in the past.

quite possibly.

A mate of mine & his wife quite often get sent large (£30k+) cheques as a "little something" from her parents. It used to bother him a bit when they first got married, but I think he's got over it now

[Blown2CV]

InductionRoar said:

BrabusMog said:

Blown2CV said:

BrabusMog said:

Blown2CV said:

markcoznottz said:

Blown2CV said:

a mate of Mrs 2CV is a teacher and so is her husband. Yes, professional jobs and everything, but i don't imagine that their combined wage is more than say £90k. That, again, is all fine and not to be sniffed at. However they seem to manage to afford very expensive holidays, new cars, luxury clothes and jewellery (he has a couple of expensive watches including a panerai) and they've just bought a very big house which they are doing up. I just don't understand where they get their money from, it is way above their means, and I'm convinced that either they get some kind of weird allowance from their parents, or they are up to their neck in credit. Mrs 2CV won't have it, and maintains that they must just be good with money!

The most British curtain twitching post on PH in years, gold.

it's fine to slam the poor, but not fine to even comment on the slightly less poor. I get that now.

You miss the point so spectacularly that I can only assume you're taking the piss. Nobody was slamming the poor, people were expressing concern for the idiots that borrow well above their means. This can be done at any income level, the poor just do it in double digit APR as a lifestyle choice.

how is it any different, living above your means is possible at any income level? Could it be that it mid-income living above their means is a bit too close to home to some of you?

Just give up mate, you're embarrassing yourself.

It's never stopped him before.

how is it fking different?

[InductionRoar]

Blown2CV said:

InductionRoar said:

BrabusMog said:

Blown2CV said:

BrabusMog said:

Blown2CV said:

markcoznottz said:

Blown2CV said:

a mate of Mrs 2CV is a teacher and so is her husband. Yes, professional jobs and everything, but i don't imagine that their combined wage is more than say £90k. That, again, is all fine and not to be sniffed at. However they seem to manage to afford very expensive holidays, new cars, luxury clothes and jewellery (he has a couple of expensive watches including a panerai) and they've just bought a very big house which they are doing up. I just don't understand where they get their money from, it is way above their means, and I'm convinced that either they get some kind of weird allowance from their parents, or they are up to their neck in credit. Mrs 2CV won't have it, and maintains that they must just be good with money!

The most British curtain twitching post on PH in years, gold.

it's fine to slam the poor, but not fine to even comment on the slightly less poor. I get that now.

You miss the point so spectacularly that I can only assume you're taking the piss. Nobody was slamming the poor, people were expressing concern for the idiots that borrow well above their means. This can be done at any income level, the poor just do it in double digit APR as a lifestyle choice.

how is it any different, living above your means is possible at any income level? Could it be that it mid-income living above their means is a bit too close to home to some of you?

Just give up mate, you're embarrassing yourself.

It's never stopped him before.

how is it fking different?

Who says they are living above their means and why is it any concern of yours?

[Blown2CV]

InductionRoar said:

Blown2CV said:

InductionRoar said:

BrabusMog said:

Blown2CV said:

BrabusMog said:

Blown2CV said:

markcoznottz said:

Blown2CV said:

a mate of Mrs 2CV is a teacher and so is her husband. Yes, professional jobs and everything, but i don't imagine that their combined wage is more than say £90k. That, again, is all fine and not to be sniffed at. However they seem to manage to afford very expensive holidays, new cars, luxury clothes and jewellery (he has a couple of expensive watches including a panerai) and they've just bought a very big house which they are doing up. I just don't understand where they get their money from, it is way above their means, and I'm convinced that either they get some kind of weird allowance from their parents, or they are up to their neck in credit. Mrs 2CV won't have it, and maintains that they must just be good with money!

The most British curtain twitching post on PH in years, gold.

it's fine to slam the poor, but not fine to even comment on the slightly less poor. I get that now.

You miss the point so spectacularly that I can only assume you're taking the piss. Nobody was slamming the poor, people were expressing concern for the idiots that borrow well above their means. This can be done at any income level, the poor just do it in double digit APR as a lifestyle choice.

how is it any different, living above your means is possible at any income level? Could it be that it mid-income living above their means is a bit too close to home to some of you?

Just give up mate, you're embarrassing yourself.

It's never stopped him before.

how is it fking different?

Who says they are living above their means and why is it any concern of yours?

why is ANY of the people discussed in this thread ANY of OUR concern? Why do ANY of us have an interest in ANYONE else's finances? I will ask AGAIN, why is it so much worse to be interested in an average income family's finances than it is to be interested in that of 'poor people'? I've not said they are definitely living above their means, but it is clear to me that they spend a lot more than their income would suggest they should be able to afford. Their income is only in some way knowable because they are teachers, and that's a standard pay-scale. Why is it OK to rant about "benefits scummers' and council estate massive TV people, but not OK to comment on anyone else? I am still trying to establish what specifically it is that you find so offensive about what i've said about people that you and that other bloke don't even fking know!!

[DickyC]

Gettin' loud.

[InductionRoar]

Blown2CV said:

InductionRoar said:

Blown2CV said:

InductionRoar said:

BrabusMog said:

Blown2CV said:

BrabusMog said:

Blown2CV said:

markcoznottz said:

Blown2CV said:

a mate of Mrs 2CV is a teacher and so is her husband. Yes, professional jobs and everything, but i don't imagine that their combined wage is more than say £90k. That, again, is all fine and not to be sniffed at. However they seem to manage to afford very expensive holidays, new cars, luxury clothes and jewellery (he has a couple of expensive watches including a panerai) and they've just bought a very big house which they are doing up. I just don't understand where they get their money from, it is way above their means, and I'm convinced that either they get some kind of weird allowance from their parents, or they are up to their neck in credit. Mrs 2CV won't have it, and maintains that they must just be good with money!

The most British curtain twitching post on PH in years, gold.

it's fine to slam the poor, but not fine to even comment on the slightly less poor. I get that now.

You miss the point so spectacularly that I can only assume you're taking the piss. Nobody was slamming the poor, people were expressing concern for the idiots that borrow well above their means. This can be done at any income level, the poor just do it in double digit APR as a lifestyle choice.

how is it any different, living above your means is possible at any income level? Could it be that it mid-income living above their means is a bit too close to home to some of you?

Just give up mate, you're embarrassing yourself.

It's never stopped him before.

how is it fking different?

Who says they are living above their means and why is it any concern of yours?

why is ANY of the people discussed in this thread ANY of OUR concern? Why do ANY of us have an interest in ANYONE else's finances? I will ask AGAIN, why is it so much worse to be interested in an average income family's finances than it is to be interested in that of 'poor people'? I've not said they are definitely living above their means, but it is clear to me that they spend a lot more than their income would suggest they should be able to afford. Their income is only in some way knowable because they are teachers, and that's a standard pay-scale. Why is it OK to rant about "benefits scummers' and council estate massive TV people, but not OK to comment on anyone else? I am still trying to establish what specifically it is that you find so offensive about what i've said about people that you and that other bloke don't even fking know!!

I am not offended but it is much funnier to rant about the "benefits scummers".

I would however, note that 90% of the posts on this thread are either tongue in cheek or the poster is massively disillusioned with the real world.

[CorbynForTheBin]

[StuTheGrouch]

Blown2CV said:

a mate of Mrs 2CV is a teacher and so is her husband. Yes, professional jobs and everything, but i don't imagine that their combined wage is more than say £90k. That, again, is all fine and not to be sniffed at. However they seem to manage to afford very expensive holidays, new cars, luxury clothes and jewellery (he has a couple of expensive watches including a panerai) and they've just bought a very big house which they are doing up. I just don't understand where they get their money from, it is way above their means, and I'm convinced that either they get some kind of weird allowance from their parents, or they are up to their neck in credit. Mrs 2CV won't have it, and maintains that they must just be good with money!

The house- perhaps they bought at the right time and in the right location. As a result they built up a lot of equity. I know of people who own a house in a nearby (and very expensive) town but if they were first time buyers, even with 20% deposit, could not borrow anywhere near enough to buy there.

Cars- hire contracts. Decent brand new cars can be easily 'hired' on these deals for 2-300 quid.

A low mortgage and not having any debts would open the doors for the other stuff. A combined household salary of £90k is well above average and easily allows expensive holidays, good clothes etc. A Panerai can be bought for £3-5k. Hardly unobtainable to someone on the average salary, which is £25k or so, albeit with finance.

Your post does come across as a bit envious though!

[Blown2CV]

Some people struggle. Some don't. We don't. Not envious.

[johnwilliams77]

Blown2CV said:

Some people struggle. Some don't. We don't. Not envious.

Or angry. Much.

[King Herald]

Blown2CV said:

why is ANY of the people discussed in this thread ANY of OUR concern? Why do ANY of us have an interest in ANYONE else's finances? I will ask AGAIN, why is it so much worse to be interested in an average income family's finances than it is to be interested in that of 'poor people'? I've not said they are definitely living above their means, but it is clear to me that they spend a lot more than their income would suggest they should be able to afford. Their income is only in some way knowable because they are teachers, and that's a standard pay-scale. Why is it OK to rant about "benefits scummers' and council estate massive TV people, but not OK to comment on anyone else? I am still trying to establish what specifically it is that you find so offensive about what i've said about people that you and that other bloke don't even fking know!!

Maybe you hit a sensitive nerve with the people who responded so vehemently? Maybe they have some skeletons in their closet, some red ink letters from their own bank, some exorbitant life style they can ill afford, and thus feel offended by your post?

It sure sounds like that from where I'm sitting.

[Ari]

King Herald said:

Maybe you hit a sensitive nerve with the people who responded so vehemently? Maybe they have some skeletons in their closet, some red ink letters from their own bank, some exorbitant life style they can ill afford, and thus feel offended by your post?

It sure sounds like that from where I'm sitting.

Feels a bit like that to me too. Happy enough to look down on the 'lower orders', but dare to suggest someone in the middle is living beyond their means? Hang him!