Are you completely debt free?

Yes.

Yup totally free and have some savings too.

No debts and no money.

phasers wrote: »

Oh wait, I owe Littlewoods like 30 quid for some tshirts

You'd want to pay, they're the kind that'd go around breaking legs..*

maybe not.

The miasma of smugosity hovering over the this thread is making me want to vomit on my mishandled financial affairs.

I was in school during the boom and in college when the recession hit. I was able to get a full-time job not soon after I left college, though not in Ireland. I was living at home until the summer and never had a lot of money to spend.

I have no debts, I'm just started on my economic path. I make enough money to pay my rent and my bills, etc. I've a bit left over at the end of the month, though I've recently start working more hours so I'll be earning more in the months to come.

I am completely debt free, my own house, no mortgage, no car loans, no overdrafts, zilch... I do have 2 credit cards, but I don't use them

people owe me money... it would be nice to get this back

No mortgage, no credit cards, no loans and I dont owe a penny to anyone. At 34 im free to do and go as I please

CamperMan wrote: »

I am completely debt free, my own house, no mortgage, no car loans, no overdrafts, zilch... I do have 2 credit cards, but I don't use them

people owe me money... it would be nice to get this back

Guarantee you have a hard time with at least one person paying you back who thinks it should be written off becasue you're not in debt!

minidazzler wrote: »

Guarantee you have a hard time with at least one person paying you back who thinks it should be written off becasue you're not in debt!

I have no debts but I have very little income and very little cash, you could say I am on the poverty line, but nice to know I will have a roof over my head and will be able to eat from the fruit garden should times get harder than they already are

I once read that no matter what people earn they tend to spend on average 5% (or was it 10%) more than they earn.

This is more understandable for poorer people but seems a bit crazy for wealthier ones. Status and keeping up with the joneses has a lot to do with it but the main thing is that most people aren't very strong on budgeting and money management.

I am, I won't be next year curse the complete removal of funding for post grad courses

Dunno whether to dole find work save up and go do a masters and possibly lose the job or take out a loan>masters..find work in field of degree, kind of worried I won't pick the right masters though oh boo whoo.

zilch, could maintain my current lifestyle for at least 5 years without assistance if I quit work tomorrow.

The most or longest i've ever been in debt has been until i clear my visa card which is usually straight after using my card. I inherited a house so never had a mortgage. I've never borrowed anything either and hope i never will need to.