27 bill all on the plastic fantastic !!

Like I said in another thread debt is now the rule rather than the exception !! It's great to be a Shylock these days ;)

Ok , I'll come clean. Most of that was mine. Sorry everybody.

bogarde73 wrote on Jan 11^th, 2016 at 12:42pm:

Ok , I'll come clean. Most of that was mine. Sorry everybody.

Lol.

Well....none of it was mine.

No credit cards here  :)

None of mine either,

I do have credit cards but pay them off usually within a couple of weeks.

Besides doing Christmas presents is woman's work!  ;)

Redmond Neck wrote on Jan 11^th, 2016 at 3:02pm:

None of mine either, I do have credit cards but pay them off usually within a couple of weeks. Besides doing Christmas presents is woman's work!  ;)

Mine was a cash-only Christmas.

I owe nothing.

Kat wrote on Jan 11^th, 2016 at 4:27pm:

Redmond Neck wrote on Jan 11th, 2016 at 3:02pm: None of mine either, I do have credit cards but pay them off usually within a couple of weeks. Besides doing Christmas presents is woman's work!  ;) Mine was a cash-only Christmas. I owe nothing.

Using credit card is a good thing not evil.
1. If you spend on real paper cash, you are realy too old, probably never heard about b-pay, paypal, wave and pay, etc
2. If you use a saving card:
2.1 If you have lots of savings, then you give your bank nearly free money, your bank laughs at you. You are not well utilize your capital.
2.2 If you have another loan like home loan, you should normally offset your saving with the loan account. Then, to directly access huge fund from a key card, it can be very dangerous from fraud protection point of view.
2.3 If you have only a little cash in saving account, lots of times when buying expensive things, the amount may not be enough to pay, e.g. several flight tickets, a TV.
3. So you should have a credit card and pay it off in interest free period.
3.1 It gives you ability to access fund from e- commerce ways.
3.2 It gives you a good margin to spend without worrying no sufficient fund.
3.3 Itself, as another account, gives a barrier to your main account, you don't need to worry about losing all your money in one fraud event.
3.4 It's free credit from bank, you keep use it and payback within interest free cycle, it is equivalent to borrow some money from bank for ever with no interests. It may saves 500 bulks a year, a good Christmas dinner, isn't it?
3.5 All prices in all stores, already include a credit card surcharge in it, 2%? If you don't use credit card, the store owner earns it, they laugh at you too.

bogarde73 wrote on Jan 11^th, 2016 at 12:42pm:

Ok , I'll come clean. Most of that was mine. Sorry everybody.

are you married boges???

that a lot of hoochie coochie... ::) ::) ::)

If people don't have money to buy Xmas presents they should just tell everyone the truth -

not hide it & pretend they have money using a credit card.

If their friends or family don't like the truth &
don't want to know you anymore then they were never your true friends or family anyway -

drop them like a hot potato.

the only cash I carry is coffee money...

only the dickheads get into debt using plastic..

I have a Visa Card for buying things over the 'Net - or telephone, but have only ever used it as a Debit Card ~ (despite letters from Melbourne BEGGING me to use it as a credit card so they can rip me off with a HUGE interest rate if I should happen to default on the repayments).

And then we have all these Instant Cash shops in every shopping strip nowadays ... and the people I see coming and going from these dens of iniquity are ALWAYS the ones who can least afford to borrow at their high interest rates.

Pacific Islanders and skinny-to-the-bone wretched-looking white women who were, or are still on, Methadone ...

The same mob that frequent the TAB office all day - every day. Losers-and-boozers who rotate hourly between the Pub, the TAB, and the Quick Money agencies.

President Elect, The Mechanic wrote on Jan 12^th, 2016 at 6:10am:

the only cash I carry is coffee money... only the dickheads get into debt using plastic..

7-11 dollar coffees ;)

Bobby. wrote on Jan 11^th, 2016 at 11:16pm:

If people don't have money to buy Xmas presents they should just tell everyone the truth - not hide it & pretend they have money using a credit card. If their friends or family don't like the truth & don't want to know you anymore then they were never your true friends or family anyway - drop them like a hot potato.

what made in china garbage could you possibly buy them that they don't already have ? Most christmas presents end up in hard rubbish collections unfortunately. Christmas is really designed for people like Gerry Harvey to profit from :(

I took a stroll around two of my local toy shops.

The toys were all of very good quality I must say - (didn't look to see where they were made) - but the prices gave me heart palpitations at the very idea of buying just one of them ...

Lord Herbert wrote on Jan 12^th, 2016 at 8:34am:

I have a Visa Card for buying things over the 'Net - or telephone, but have only ever used it as a Debit Card ~ (despite letters from Melbourne BEGGING me to use it as a credit card so they can rip me off with a HUGE interest rate if I should happen to default on the repayments). And then we have all these Instant Cash shops in every shopping strip nowadays ... and the people I see coming and going from these dens of iniquity are ALWAYS the ones who can least afford to borrow at their high interest rates. Pacific Islanders and skinny-to-the-bone wretched-looking white women who were, or are still on, Methadone ... The same mob that frequent the TAB office all day - every day. Losers-and-boozers who rotate hourly between the Pub, the TAB, and the Quick Money agencies.

Can't say I've noticed that here - a minority of them, sure.

But by no means all, not even most.

Sir lastnail wrote on Jan 12^th, 2016 at 8:45am:

Bobby. wrote on Jan 11th, 2016 at 11:16pm: If people don't have money to buy Xmas presents they should just tell everyone the truth - not hide it & pretend they have money using a credit card. If their friends or family don't like the truth & don't want to know you anymore then they were never your true friends or family anyway - drop them like a hot potato. what made in china garbage could you possibly buy them that they don't already have ? Most christmas presents end up in hard rubbish collections unfortunately. Christmas is really designed for people like Gerry Harvey to profit from :(

Xmas has turned into a sickness based on buying junk presents with credit cards.

What a croc.

None of this debt is mine. My biggest expenses were three Torres Strait lobsters and some Portuguese wine.

issuevoter wrote on Jan 12^th, 2016 at 6:00pm:

None of this debt is mine. My biggest expenses were three Torres Strait lobsters and some Portuguese wine.

$35 is my debt to a credit card after Xmas - that's all.

Bobby. wrote on Jan 12^th, 2016 at 6:02pm:

issuevoter wrote on Jan 12th, 2016 at 6:00pm: None of this debt is mine. My biggest expenses were three Torres Strait lobsters and some Portuguese wine. $35 is my debt to a credit card after Xmas - that's all.

Bobby, the Nigerian government is sending you a fine letter offering to provide you with a credit card with a US$ 10 Trillion limit.

Throw your tatty old penny credit card away.

Sun Tzu wrote on Jan 12^th, 2016 at 6:04pm:

Bobby. wrote on Jan 12th, 2016 at 6:02pm: issuevoter wrote on Jan 12th, 2016 at 6:00pm: None of this debt is mine. My biggest expenses were three Torres Strait lobsters and some Portuguese wine. $35 is my debt to a credit card after Xmas - that's all. Bobby, the Nigerian government is sending you a fine letter offering to provide you with a credit card with a US$ 10 Trillion limit. Throw your tatty old penny credit card away.

What about buying some BHP shares or
is BHP just industrial archaeology?

Bobby. wrote on Jan 12^th, 2016 at 6:17pm:

Sun Tzu wrote on Jan 12th, 2016 at 6:04pm: Bobby. wrote on Jan 12th, 2016 at 6:02pm: issuevoter wrote on Jan 12th, 2016 at 6:00pm: None of this debt is mine. My biggest expenses were three Torres Strait lobsters and some Portuguese wine. $35 is my debt to a credit card after Xmas - that's all. Bobby, the Nigerian government is sending you a fine letter offering to provide you with a credit card with a US$ 10 Trillion limit. Throw your tatty old penny credit card away. What about buying some BHP shares or is BHP just industrial archaeology?

Its too early. There is still backwash from the financial chaos in China.

Sir lastnail wrote on Jan 11^th, 2016 at 8:35am:

27 bill all on the plastic fantastic !! Like I said in another thread debt is now the rule rather than the exception !! It's great to be a Shylock these days ;)

big numbers really scare and confuse you, dont they?  just to break it down for you small child, that is $1000 per person. JUST a thousand dollars, the same amount the average worker makes in 4 days.

imagine if you understood context?

longweekend58 wrote on Jan 12^th, 2016 at 6:40pm:

Sir lastnail wrote on Jan 11th, 2016 at 8:35am: 27 bill all on the plastic fantastic !! Like I said in another thread debt is now the rule rather than the exception !! It's great to be a Shylock these days ;) big numbers really scare and confuse you, dont they?  just to break it down for you small child, that is $1000 per person. JUST a thousand dollars, the same amount the average worker makes in 4 days. imagine if you understood context?

Your numbers imply that children and the unemployed earn $ 250 per day. Otherwise you would have presented different numbers.

Try again. The asbestos fibres damaged the inside of your cranium where a brain would reside in a normal person.

Kat wrote on Jan 12^th, 2016 at 9:09am:

Lord Herbert wrote on Jan 12th, 2016 at 8:34am: I have a Visa Card for buying things over the 'Net - or telephone, but have only ever used it as a Debit Card ~ (despite letters from Melbourne BEGGING me to use it as a credit card so they can rip me off with a HUGE interest rate if I should happen to default on the repayments). And then we have all these Instant Cash shops in every shopping strip nowadays ... and the people I see coming and going from these dens of iniquity are ALWAYS the ones who can least afford to borrow at their high interest rates. Pacific Islanders and skinny-to-the-bone wretched-looking white women who were, or are still on, Methadone ... The same mob that frequent the TAB office all day - every day. Losers-and-boozers who rotate hourly between the Pub, the TAB, and the Quick Money agencies. Can't say I've noticed that here - a minority of them, sure. But by no means all, not even most.

Sun Tzu wrote on Jan 12^th, 2016 at 6:45pm:

longweekend58 wrote on Jan 12th, 2016 at 6:40pm: Sir lastnail wrote on Jan 11th, 2016 at 8:35am: 27 bill all on the plastic fantastic !! Like I said in another thread debt is now the rule rather than the exception !! It's great to be a Shylock these days ;) big numbers really scare and confuse you, dont they?  just to break it down for you small child, that is $1000 per person. JUST a thousand dollars, the same amount the average worker makes in 4 days. imagine if you understood context? Your numbers imply that children and the unemployed earn $ 250 per day. Otherwise you would have presented different numbers. Try again. The asbestos fibres damaged the inside of your cranium where a brain would reside in a normal person.

The newest ABS data says ordinary full time adult is paid roughtly 1,500 a week. It's not too different from above. But what you bring home probably only 250 a day, you need to pay for the stupid gov, don't forget. ;D