If it's cleared by February, it's really not an issue. Imagine getting this upset by somebody else's overdraft.Deliberately getting into debt is stupid. It’s not part of modern life. It’s part of life for those who are shit with money and don’t have the capacity to budget and buy only what they can afford. If you have to use an overdraft then you do not have the money available to spend. It’s basic simple maths.
My mother had 0 issues saying no to me and she always managed to not spend a fortune on me!This thread got crazy quick, for me I can honestly see why people can an do go into the overdraft an somtimes I don't think it's really the parents fault, my aunt would be in the overdraft every year because the kids obviously wanted what all their friends got, the latest trainers, concert tickets, a phone or tablet, the latest games console etc and it would be feb/March before she was cleared
Before I had my neice I'd be thinking to myself why is she letting them pick such expensive things when she hasn't got it, it's just stupid to do that an they need to be told no, till now when I find myself doing the same thing because my neice now wants certain things that's expensive an kids don't understand the value of money, my neice will pick up a doll that to her is pretty an has all these things but doesn't understand that doll is £50 an it's only going get worse when she starts going to friends an seeing what they have which she will want herself, obviously she will need to learn no but I do get why parents can get into dept, it isn't easy to say no to your kid at Xmas especially if the expensive thing is the only thing they have asked for an £300 these days doesn't go far, hell a games console can be over that on its own now an I doupt any parent here is going to get their kid just ONE thing for Xmas
Sorry for the rant, just feel is isn't fair to really call out people who do get into the overdraft when in this day an age nothing is cheap these days for kids especially when it comes to the tech stuff which all kids want
My mum was the same, if she couldn't afford it then it was a straight up no not getting an that was the end of it, but I do think most parents these days are under pressure to get their kids what others are getting, one year my cousin got concert tickets to 4 different bands cause her friends all got them an the mother's were asking if her kid was going to it since all her friends were so she felt she had to go an get them so my cousin didn't miss out with her friendsMy mother had 0 issues saying no to me and she always managed to not spend a fortune on me!
Clearly she mustn’t have liked me
Kids don’t understand the value of money. Correct. They are children. But PARENTS or ADULT CAREGIVERS are supposed to be responsible and able to correctly manage their finances and budget accordingly. You don’t just blindly dish out money YOU HAVENT GOT for the sheer hell of it just because your kid asks for some overpriced pair of trainers. You want to splash money on your kids - fine. Save money throughout the year - put a bit aside so that when it comes to December you’ve got a pot of money available to spend. No debt, no irresponsible spending.This thread got crazy quick, for me I can honestly see why people can an do go into the overdraft an somtimes I don't think it's really the parents fault, my aunt would be in the overdraft every year because the kids obviously wanted what all their friends got, the latest trainers, concert tickets, a phone or tablet, the latest games console etc and it would be feb/March before she was cleared
Before I had my neice I'd be thinking to myself why is she letting them pick such expensive things when she hasn't got it, it's just stupid to do that an they need to be told no, till now when I find myself doing the same thing because my neice now wants certain things that's expensive an kids don't understand the value of money, my neice will pick up a doll that to her is pretty an has all these things but doesn't understand that doll is £50 an it's only going get worse when she starts going to friends an seeing what they have which she will want herself, obviously she will need to learn no but I do get why parents can get into dept, it isn't easy to say no to your kid at Xmas especially if the expensive thing is the only thing they have asked for an £300 these days doesn't go far, hell a games console can be over that on its own now an I doupt any parent here is going to get their kid just ONE thing for Xmas
Sorry for the rant, just feel is isn't fair to really call out people who do get into the overdraft when in this day an age nothing is cheap these days for kids especially when it comes to the tech stuff which all kids want
It was the same when I was younger really. I was the only one without an iPhone and I was made to feel like an outcast. Same with when I was in college and I was made fun of for just getting a jacket for ChristmasMy mum was the same, if she couldn't afford it then it was a straight up no not getting an that was the end of it, but I do think most parents these days are under pressure to get their kids what others are getting, one year my cousin got concert tickets to 4 different bands cause her friends all got them an the mother's were asking if her kid was going to it since all her friends were so she felt she had to go an get them so my cousin didn't miss out with her friends
Times have really changed, my mates wouldn't have bothered if I didn't get to a concert with them but now a days kids will ditch you if you don't go, it's sad really
You say that like things won't come up out the blue, people can save all they want an then the boiler can pack in or their car might need repairs, can't exactly tell the kids oh sorry this year you can't get things because the cars mot failed especially when they might still be at a age they think santa brings everythingKids don’t understand the value of money. Correct. They are children. But PARENTS or ADULT CAREGIVERS are supposed to be responsible and able to correctly manage their finances and budget accordingly. You don’t just blindly dish out money YOU HAVENT GOT for the sheer hell of it just because your kid asks for some overpriced pair of trainers. You want to splash money on your kids - fine. Save money throughout the year - put a bit aside so that when it comes to December you’ve got a pot of money available to spend. No debt, no irresponsible spending.
no wonder so many people are in a financial shambles when the attitude is to just spend whatever it takes and to hell with it - worry about it later.
You are missing the point though. You can’t spend what you haven’t got. Yes of course sometimes shit happens and best laid plans go to the wall but my point was that it’s irresponsible to deliberately put yourself into debt - to actively plan to do it - at Christmas just because you’ve decided you HAVE to spend hundreds of pounds on nonessential stuff. It’s ludicrous! I just can’t understand that mentality. Or that parents HAVE to spend over their budget because the kids want whatever they want. Hell no. That shows that the kids are spoiled, entitled little brats.You say that like things won't come up out the blue, people can save all they want an then the boiler can pack in or their car might need repairs, can't exactly tell the kids oh sorry this year you can't get things because the cars mot failed especially when they might still be at a age they think santa brings everything
People do get into financial bother an it isn't fair to shame them for it when it's companys being greedy, do trainers need to be £80 when they probably get made for £5.. no, do consoles that probably only cost £100 to make need to be £500...no, should all these social sites with these "influences" be allowed to market overpriced shit towards kids that's cheap for them to make.. Of course not, but it happens
I might not be a parent but I do feel damn sorry for those parents that do struggle financially because they still want their kid to get that one thing they want even if it means an overdraft
But OP said she pays it all back by February? I understand that means she’s in debt but that’s temporarily and clearly with the income to pay it back.You are missing the point though. You can’t spend what you haven’t got. Yes of course sometimes shit happens and best laid plans go to the wall but my point was that it’s irresponsible to deliberately put yourself into debt - to actively plan to do it - at Christmas just because you’ve decided you HAVE to spend hundreds of pounds on nonessential stuff. It’s ludicrous! I just can’t understand that mentality. Or that parents HAVE to spend over their budget because the kids want whatever they want. Hell no. That shows that the kids are spoiled, entitled little brats.
100% this. It starts almost as soon as they can verbalise what they want in the Supermarket. Buy them treats everytime they whine in the supermarket and it will continue for the next 16 years but they'll be whining for bigger and better things. my Son never had an iphone but it didn't really bother him and it had the added advantage of him being the only one in his year not to get mugged.Well that was a wild read! Early on we decided to treat Christmas like an celebration rather than a gift-fest, so with our kids we've always done small presents and instead we will go out on a few days out/maybe few days away somewhere in the UK.
I've worked with teenagers for years and I know peer pressure is hard and everyone says that they all want the newest things, but honestly they don't. Not all of them do. It's just a question of how you raise them. If you raise them to chase the newest iPhones and Air Maxes and what not then that's what they'd expect.
100% agree. I remember buying my two a Wii console when they first came out. It was a joint present and they loved it. Children have to learn that some families have more than others. Even if I was a millionaire I wouldn't have spend over a certain amount on them.100% this. It starts almost as soon as they can verbalise what they want in the Supermarket. Buy them treats everytime they whine in the supermarket and it will continue for the next 16 years but they'll be whining for bigger and better things. my Son never had an iphone but it didn't really bother him and it had the added advantage of him being the only one in his year not to get mugged.
They may want it but that doesn’t automatically mean they are going to get whatever they want.I think it depends on the child, if their friends have the latest Iphone, trainers, PlayStation most kids will also want it so they don't feel left out. Having the latest fashion item, gadget has been a thing for years wasn't that why school uniform was introduced?
That's not really life though. I would like lots of things but I can't have them so I get on with it. I had a job at 15 and if I wanted something I had to save for it. My mum was a single parent and didn't have the money. It didn't bother me if I went without, my friends weren't arseholes either so that helped.I think it depends on the child, if their friends have the latest Iphone, trainers, PlayStation most kids will also want it so they don't feel left out. Having the latest fashion item, gadget has been a thing for years wasn't that why school uniform was introduced?
I never said it was.They may want it but that doesn’t automatically mean they are going to get whatever they want.
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