Author Topic: How to be sensible with money  (Read 194 times)

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Offline Sharky and George

How to be sensible with money
« on: September 21, 2018, 09:35:08 AM »

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Do you find that when you bring your credit or debit card out with you that you end up spending too much and even find yourself in debt?


Do this - get cash out from the bank. Maybe get ?70 or whatever you need for the week, then change that for pound coins / notes or whatever else you need, then leave your card at home.


This way you will know what you have spent, not be able to buy stuff you do not need and will also have a better idea of how much you have spent.




Shalom :D



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Offline francis drake

Re: How to be sensible with money
« Reply #1 on: September 21, 2018, 02:23:22 PM »
Do you find that when you bring your credit or debit card out with you that you end up spending too much and even find yourself in debt?


Do this - get cash out from the bank. Maybe get ?70 or whatever you need for the week, then change that for pound coins / notes or whatever else you need, then leave your card at home.


This way you will know what you have spent, not be able to buy stuff you do not need and will also have a better idea of how much you have spent.




Shalom :D

Agreed.
Been doing this for the last decade or more.

But there are additional reasons not to use your cards, and that's because it stops the global elites and gov't agencies tracking everything you do.

For that reason I completely refuse loyalty cards, why would any sensible person make themselves loyal pets to faceless corporations that'll chew you up and spit you out whenever convenient.

The whole credit/debit card movement is steadily driving us towards the cashless society. The purpose of that cashless society is about monitoring and controlling people. The end product of that cashless society is stated in Revelation, not being able to buy or sell without accepting the Mark of the Beast. Even before we get to that stage, the stupid snowflakes in society are vying to be the first people to have the RFD silicon chip injected into their hands.

I love being anonymous. God and my beloved wife know who, where, why and what I am. The rest can go..............


Francis Drake
Disturb us Lord, when we are too pleased with ourselves. When our dreams have come true because we dreamed too little. When we arrived safely because we sailed too close to the shore. Disturb us Lord, to dare more boldly. To venture on wider seas. Where storms will show your mastery; Where, losing sight of land, we shall find the stars. We ask you to push back the horizons of our hopes; And to push into the future, in strength, courage, hope and love.                     (SIR FRANCIS DRAKE 1577)

Offline Mountain Goat

Re: How to be sensible with money
« Reply #2 on: September 21, 2018, 09:32:06 PM »
Cash is easier to handle.

There has been large changes with views with new generations of young adults. Many are avoiding collages and universities as they dont want to start out in debt. They also realize that qualifications do not get jobs like they used to, as more and more employers put experience first as a more sturdy way to attract the right sort of people for the jobs.
In the days when finding someone with a degree was rare, it was attractive to employers to consider them. Today degrees are quite common, so the attractiveness to an employer has disappeared.

I also see the younger generation having a vastly different outlook in life to previous generations. The chance of owning your own home now is rare, so most have an outlook towards never owning a home. (Especially since new laws mean their parents home is more likely to be snatched away from their grasp when their parents die or even before).
What this means is that they no longer buy furniture or wallpaper or the things that new married couples setting up home once did. Instead, the new generations will only save to spend their money on experiences like holidays, a car or an adventure activity. The change has really hit the antiques market where once valuable antique furniture can sometimes fetch me money if cut up for firewood then kept as it is.
Despite this, the younger generations are much more clever in the way they manage their money. They seem to know how to keep changing credit cards to take advantage of offers without being charged. Their ability to "Juggle" funds and use computer technology to make a profit from money they loaned rather then earned... It is very impressive indeed!


Offline Tes Johnson

Re: How to be sensible with money
« Reply #3 on: September 22, 2018, 03:11:16 AM »


People can use credit  as a way to invest in  business [which goes against tax]

 Capitol investments go 100% against tax [if I earn enough to pay tax]


You now have this new  FAC ruling - where anyone having a credit card must increaee their repayments over the next 18 months or lose their credit card

Personally I resent the interference @see : https://www.fca.org.uk/news/press-releases/new-credit-card-rules-introduced-fca

what next ! lets stop poverty - by not letting people borrow !


https://www.fca.org.uk/news/press-releases/new-credit-card-rules-introduced-fca

Offline Deborah

Re: How to be sensible with money
« Reply #4 on: September 22, 2018, 10:11:09 AM »
Cash is useful, but so much of the stuff that I buy (clothes that fit me, fair-trade foodstuffs) is only available if I shop online. So a cardless lifestyle wouldn't suit me.

I have an inflexible rule with regard to my credit card: I always pay off the debt in full, every month. So I've never paid the astronomical rate of interest.

It works for me because I'm a naturally self-disciplined person.
"My grace is sufficient for you, for My power is made perfect in weakness." (II Corinthians 12:9)

Offline davetaff

Re: How to be sensible with money
« Reply #5 on: September 22, 2018, 01:18:51 PM »
Hi
Interesting subject what has come to my mind is

. 1Ti 6:10 For the love of money is the root of all evil: which while some coveted after, they have erred from the faith, and pierced themselves through with many sorrows       

I don't think using plastic is a problem in its self it's a very convenient way to shop the problem lies in what s behind it banks and big business those who never have enough.
The motive behind plastic and chips is not for our convenience but to make more money for those who have to much.
It's the same with credit banks and private loan companies are throwing money at us which they don't want back they just want us to pay the interest.
Those who hold the purse strings rule the world and they are well hidden the verse quoted above is very true.

Love and Peace
Dave

Offline francis drake

Re: How to be sensible with money
« Reply #6 on: September 22, 2018, 09:49:13 PM »
Hi
Interesting subject what has come to my mind is

. 1Ti 6:10 For the love of money is the root of all evil: which while some coveted after, they have erred from the faith, and pierced themselves through with many sorrows       

I don't think using plastic is a problem in its self it's a very convenient way to shop the problem lies in what s behind it banks and big business those who never have enough.
The motive behind plastic and chips is not for our convenience but to make more money for those who have to much.
It's the same with credit banks and private loan companies are throwing money at us which they don't want back they just want us to pay the interest.
Those who hold the purse strings rule the world and they are well hidden the verse quoted above is very true.

Love and Peace
Dave
Shock horror  ::)
I agree with Dave.
Something's not right, can anyone fetch me a thermometer or call for an ambulance. mobile:
Disturb us Lord, when we are too pleased with ourselves. When our dreams have come true because we dreamed too little. When we arrived safely because we sailed too close to the shore. Disturb us Lord, to dare more boldly. To venture on wider seas. Where storms will show your mastery; Where, losing sight of land, we shall find the stars. We ask you to push back the horizons of our hopes; And to push into the future, in strength, courage, hope and love.                     (SIR FRANCIS DRAKE 1577)

Offline Heyden

Re: How to be sensible with money
« Reply #7 on: October 13, 2018, 09:08:55 AM »
I'm all for personal responsibility, but college loans are so bad for the society I feel like. People at that age are way too young to be taking such loans, and when they get out of college they have to start chasing the money straight away. That's just rotten.

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