Oh, not any worse than adverts that show beautiful, fit people eating sugary fatty junk foods. At least the line of credit adverts target adults (who should know better) whereas many of the junk food adverts target children. We are seeing 8-year-olds with type 2 diabetes and high blood pressure ...
We are our environment and we are subjected to these kinds of messages from a tiny age. That's how I got into trouble when I was younger.
I had to 'de-program' the tapes that were running through me and now I have a handle on it.
I feel like a rare female in my circle, in the area where I live. I know women who charge ten to twenty grand a month, driving their husbands to near suicide. The more their husbands threaten and scream the more the woman charges to get back at him. It's a vicious cycle.
I try to spend as little as possible and am transparent with all my spending so dh trusts and respects me. He has never experienced this out of a woman before and he gets accolades from the men around him for it, which fuels my fire.
I'm glad you and I are working this hard for what we know is healthy, being on DSG is a good environment of responsible spending.
Love Til Debt Do Us Part. Watch it every week. I'm an addict, I admit.
Those types of adds are truly disgusting. I wish schools would teach money and budgeting and planning for life goals as a course in high school. Some people just don't realize how destructive some ads are and that the advice they are preaching is NOT good. They trust the banks and lending companies too much. I'm not even sure how a person would want to believe it. If it is too good to be true, it probably is. They should be banned, plain and simple.
Always playing the devil's advocate, I believe there are so many emotional/value issues associated with money, the burden of teaching money management/budgeting/life goals (especially life goals) should rest with the parents.
Some parents don't know diddly squat about money, or budgeting or how to manage their own lives at all. I am talking about a simple budgeting class that could be incorporating into math, what comes in and what is going out. It doesn't have anything to do with cultures or who you are or what you practice or celebrate.
Parents do have a responsibility and should teach their kids about money. The fact is..........not many do. Lets give the kids a chance.
Um, "a simple budgeting class that could be incorporating into math, what comes in and what is going out". That is quite different from "budgeting and planning for life goals".
The issue is if it is indeed as simple as what comes in and what goes out, any child with addition and subtraction skills can do that, there is no need to teach. The minute you start getting in some of the things such as housing should be about 25% of the net income, having an emergency fund, it gets complicated and involves cultures and values and believes. Or perhaps you would like to elaborate on what will be the content of "your" course?
Yes, I agree on giving the kids a chance. And if the schools give the kids a good basic education (I am talking about the three R's here - writing, reading, arithmetics) and most importantly how to think, they should be able to figure out things on their own. The world is changing so fast, new things and technology appear every hour. It is better to give them the tools how to sort things out, rather than feed them information which may become obsolete in a very short time.
And by the way, I do celebrate Christmas, just not with presents.
What is coming in and what is going out sounds simple, but I know very educated people who do not have a clue. It has be conveyed in the correct context as in (income vs expenses) and what to expect like hydro/electric bills, water bills, rent etc. This can be done without cultural issues coming into play. Not once did I mention that.
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We are our environment and we are subjected to these kinds of messages from a tiny age. That's how I got into trouble when I was younger.
I had to 'de-program' the tapes that were running through me and now I have a handle on it.
I feel like a rare female in my circle, in the area where I live. I know women who charge ten to twenty grand a month, driving their husbands to near suicide. The more their husbands threaten and scream the more the woman charges to get back at him. It's a vicious cycle.
I try to spend as little as possible and am transparent with all my spending so dh trusts and respects me. He has never experienced this out of a woman before and he gets accolades from the men around him for it, which fuels my fire.
I'm glad you and I are working this hard for what we know is healthy, being on DSG is a good environment of responsible spending.
Take Care!!
What's the difference between loan sharks and credit card companies?
Norma
"Patience is the best remedy for every trouble"- Plautus
Have to admit advertising on TV can drive me up a wall.
Hey,
Love Til Debt Do Us Part. Watch it every week. I'm an addict, I admit.
Those types of adds are truly disgusting. I wish schools would teach money and budgeting and planning for life goals as a course in high school. Some people just don't realize how destructive some ads are and that the advice they are preaching is NOT good. They trust the banks and lending companies too much. I'm not even sure how a person would want to believe it. If it is too good to be true, it probably is. They should be banned, plain and simple.
Good luck with your better rate Bex.
Always playing the devil's advocate, I believe there are so many emotional/value issues associated with money, the burden of teaching money management/budgeting/life goals (especially life goals) should rest with the parents.
Some parents don't know diddly squat about money, or budgeting or how to manage their own lives at all. I am talking about a simple budgeting class that could be incorporating into math, what comes in and what is going out. It doesn't have anything to do with cultures or who you are or what you practice or celebrate.
Parents do have a responsibility and should teach their kids about money. The fact is..........not many do. Lets give the kids a chance.
Um, "a simple budgeting class that could be incorporating into math, what comes in and what is going out". That is quite different from "budgeting and planning for life goals".
The issue is if it is indeed as simple as what comes in and what goes out, any child with addition and subtraction skills can do that, there is no need to teach. The minute you start getting in some of the things such as housing should be about 25% of the net income, having an emergency fund, it gets complicated and involves cultures and values and believes. Or perhaps you would like to elaborate on what will be the content of "your" course?
Yes, I agree on giving the kids a chance. And if the schools give the kids a good basic education (I am talking about the three R's here - writing, reading, arithmetics) and most importantly how to think, they should be able to figure out things on their own. The world is changing so fast, new things and technology appear every hour. It is better to give them the tools how to sort things out, rather than feed them information which may become obsolete in a very short time.
And by the way, I do celebrate Christmas, just not with presents.
What is coming in and what is going out sounds simple, but I know very educated people who do not have a clue. It has be conveyed in the correct context as in (income vs expenses) and what to expect like hydro/electric bills, water bills, rent etc. This can be done without cultural issues coming into play. Not once did I mention that.
Pages