"Credit Crunch?"
Okay, so I apologize for actually using the term because, well, frankly, "I" hate it as much as the lot of you. In fact, I despise jingles or catchphrases in general.

Now, as for my part: I lost my job in July. Well before things REALLY started going south...but then, an amazing thing happened: I decided I was through working for someone else and launched on a research trip for a book I've wanted to write for years. The research has been going well.

Then, one night while sat at a traffic light, an idea came to me. A sudden lightning bolt of an idea and I called one of the founders of my last company and discussed it.

As it stands right now, we have four employees and next week I meet with a Senator from Louisiana to discuss state funding and the possibility of securing Federal funding for the idea as well...

So, the solution is: think up something REALLY good and then incorporate and go to the government and show them how you are going to employ people! The timing is PERFECT!

Though, I may just cock it all up and end up skint and working in a cold water flat on this book! :)

Cheers!

Citadel/Sean

Oh, and today, in anticipation of my meetings with the Federales, I went suit shopping. I scored 3 Joseph A Banks Executive Collection suits (normally $595 a piece), a tie, a dress shirt, two pair of cashmere socks and a new cordovan belt for $278! Seriously!)
( Citadel Because the world needs less morons, Fri 23 Jan 2009, 5:11, 2 replies)

Rage
The recent economic situation is affecting me thus: it is unleashing a catfucking TIDAL WAVE of unmitigated RAGE at the mere mention of the phrase 'credit crunch'.

Seriously. I am not an angry person. Usually.

Last week, I was in an Indian restaurant with a friend - a very good friend of 11 years, intelligent, reasonable, lovely woman - however.

"I'm not ordering a starter," she says (fair enough). "I'm skint." (eyelid starts to twitch). "Because of the credit crunch," she adds.

"Nnnngggggggg," is the sound I make. Just before I explode. "Please don't say that."

"What? Credit crunch?"

"Ack! It's a recession. Why are people afraid to say recession? RECESSION!"

"Er..."

"If I was to go on a killing spree tomorrow and call it a Happy Knife Carnival would that make it more socially acceptable? Or how about, not arse-rape, but Surprising Bum Fun?!"

"Probably not. Sam, you're shouting. People are looking."

At which point I realise that I have managed to reduce the two neighbouring tables (families with kids...oops) and a frankly terrified-looking waiter to complete silence with my ranting. I smile nicely and wipe the foam from my mouth. My friend, thankfully, is used to me and just starts talking about something else.

Thus, having logged in to look at the new QOTW, I was, let's say...rather unimpressed. It's amazing how much rage one can create on one's own in a small room. *smiles serenely*

Recessions are bad, I get it. I'm fortunate. I rent, I have no debts and (legitimately) get incapacity benefits. Some people are not so fortunate. Ok. Can we have a cheerier question now, please?

/coat
(Samara Morgan is a small blue thing, like a marble or an eye, Fri 23 Jan 2009, 4:37, 3 replies)

If things get really bad - Credit Crunch Cops.
Using daps insteads of batons.

Hireing the mentaly ill and straping them to the roof of cars NNNNEEEEEEENNNNNNNNNNNNEEEERRRRRRRRRR.

Car battery, paperclip chains and a catapult for a portable tazer.

Holes in the floor - flintstone style cop cars.

Prison cells come with giant hamster wheels conected to generators. Inmates can run round the wheel trying to get food off a piece of string.

Pringle pots filled with stones - door bashers

Leashes around drug users necks, to be used as sniffer dogs, promises of a free hit from the find to encourage them.

Premium rate emergency calls, doubled up as "the naughty voluptious police woman" number.

Wild west wanted posters in pubs/shops. Rewards for bounty hunters in the way of free food.

Police men and women stripping for extra money while on the job (will help when delivering bad news)

Will hire anyone from the public who can count to 20 withought using their toes (fingers OK) and call them special .... oh wait
(Lord Potato, Fri 23 Jan 2009, 4:31, 5 replies)

It's made me laugh a bit
to see the sticker on the back of my neighbour's car, the one that says "You Don't Have To Fuck Someone Over To Survive"* has been amended by someone with a label maker to now include "Yes you do, welcome to 2009"

*Other stickers include "MAGIC HAPPENS!" "Caution, Samurai In Car" one of those stupid Hare Krishna stickers that just say "Bee Happy" and another one warning us "The Goddess Is Afoot". Fucking hippy.
( difficultchild, Fri 23 Jan 2009, 2:32, 3 replies)

Why I hate the Credit Crunch.
Michty aye there

Ill bloody tell youns what gets on me tats aboot tha so called 'credit crunch'(ffs it not be an economic brekkie cereal) Overinflated financial 'experts' scribble in the newspapers or appear shiny faced and shiny tied on the telly predicting economic apocolypse and a return to feudalism as they lean seriously into the camera.

The hysterical masses, most of whom can't count, let alone understand a complex economic system lap up the swivel-eyed doom mongering shat at them by the media machine, just because the man on the TV has a suit, glasses and is talking in the imperative case.

The sad truth is that the economist realises that salacious gutterdwellers in need of perpetuating fear to sell their newspapers or to hook the brainless onto their 24 hour news channels will pay lots of money for you to do your best Private Frazer impression rather than provide an informed, academic interpretation of the country's financial state. If you were to do this, the answer would probably be 'I don't know what's going to happen, Nobody does. This isn't as bad as 1929 because nobody is throwing thesmelves out of windows. It can never be the same as the 1930s because the markets work in a different way'

What's more is that they blame me instead of natural market forces.For this I'm probably going to lose my job to be replaced by a thumbfaced fuckwit whose idea of economic regeneration is to lock up everybody without a job.

love from
The Rt. Hon. G. Brown

P.S. I love cock
(Papa Chocolat, Fri 23 Jan 2009, 1:32, 5 replies)

Meh
I'm currently doing a masters degree at a well known UK university. Whilst I have no funding, I've been lucky in that my parents have been generous enough to cover my funding, and I managed to get a temporary full time job until last December that has allowed me to save up enough money to live on and pay rent with until I finish in June (after that there may be some issues).

However, it does appear that the credit crunch is biting hard on some of my more spoilt cohorts, both undergrad and post grad.

There is a guy in my college who is from a very rich family living in California. He was, until recently, being given a weekly living allowance of £1000 by his parents (this is on top of the funding that he has to cover his course, rent etc.).

I have just come back from our college bar where I listened to him whine and moan about how, due to the credit crunch, Daddy has curtailed his rampant spending and cut him down to *shock horror* £500 a week.

Thats £500 a week he doesn't have to spend on food or rent. This is £500 that he can spend on clothes, drugs, taking women out etc. Obviously his various drug, clothes and women habits will have to take a 50% reduction now, and to listen to him you'd think the world was coming to an end.

Secondly, I recently went on a date with a nice young lady to a moderately posh restaurant. We were sat there, chatting away, eating our breadsticks and deciding what to eat when an undergrad and her mother sat at the table next to us.

The girl was about 18 or 19, very very posh, but also faily slug like, with an incipient moustache, a round pot belly, and the braying, Daily Mailesque arrogence that comes from having everything exactly your own way for as long as you've been able to articulate your selfish whims.

The mother was rake thin, permatanned, with an iron blonde hairstyle that looked vaguely like an aircraft carrier advancing through choppy seas.

They sat there and, in incredibly loud voices, started picking apart the stingyness of the unseen husband and father. Over the course of the next hour or so they thoroughly excoriated him for:

1. Not buying his daughter a new Mercedes, when her current one "is, like, almost a year old".

2. Not buying his wife a new Land Rover

3. Insisting that his daughter actually pony up some of the cash to pay for her Easter holiday to the Maldives.

4. Suggesting that his daughter might want to go easy on her credit card spending which, coincidentally, he appears to be paying off. Apparently he's incredibly unreasonable in wanting her not to spend hundreds of pounds a month on clothes and shoes.

5. Suggesting to his wife that her regular trips to Tuscany may have to decrease, and that the shopping trips to London should probably be more infrequent than they currently are.

6. Refusing to redecorate the house, even though its now totally out of fashion.

7. Suggesting to his daughter that she should perhaps get a job, even a part time one, to help pay for the petrol costs of her antedeluvian Mercedes.

We sat and listen to that for just over an hour. We decided to skip dinner and ended up watching a crappy DVD back at mine and eating Chinese take away.

I feel quite sorry, in a way, for that poor man. He probably should've laid the law down a bit more firmly beforehand, but can you imagine the uphill struggle he now has to deal with those two?
(Zapiola zip-zap-zop, Fri 23 Jan 2009, 1:19, 6 replies)

Developing an entirely unjustifiable superiority complex.
Up until about midway through last year, I'd always had a reasonable sort of acceptance of financial pundits. They mostly said things would go on the same way forever, and credit could just increase to match, and even though my failing Earth logic disagreed with these views as a long-term bet, stuff mostly kept going up in price or getting cheaper as appropriate, so y'know, I figured the blokes with economics degrees and that sort of thing knew what they were talking about.

Plus their columns were always buried away deep within a paper's online presence about 95 clicks from the main page, so you didn't see many of them anyway.

Then things got a little bit less stable. And every single blathering by an economic commentator or pundit is front-page or near front-page news.

Crikey. I don't think I've ever seen a more hopeless rain of bastards actually manage to get their dribblings in print. They all seem to ping-pong wildly between "worst crisis EVAR!" and "recovery by Tuesday" and generally display about as much grip on what's going on as I have on the Lebanese language.

What is genuinely depressing is that there are potentially people reading newspapers who actually trust and believe this extended family of economic Chuckle brothers. And right now are probably spending all their savings on building a gigantic bunker for the end of capitalism as we know it, except on alternate Wednesdays when we have a "recovery is just around the corner" party.

Honestly. If you can't create a rational, sane and non-sensationalist piece, then just slap together an article saying, "I don't know" and chuck a few graphs at the bottom of it, please?
(Timberwolf, Fri 23 Jan 2009, 0:20, Reply)

I had a Credit Crunch Christmas.
I dont think the Credit Crunch really affected us this Christmas.

I received some really nice gifts from my brother this year, they were:

Some bubble wrap. And just not any old bubble wrap. This had big bubbles! And loads of it too. Do you know how good bubble wrap is to pop? it relaxes you and its fun to irritate people! Must have spent ages with this present, but had to becareful not to use it all up in the one day! Still hours of fun!

Lacoste Aftershave. Wow really nice gift! OK, it had just about run out. But how cool does it look in ur bathroom when you have a girl over? She'll see that I have a bottle of lacoste! Every girl loves a rich man. But, heres the best part about this present: If you put your nose to the nossle and sprayed, you could actulaly still get that Lacoste smell! woooah amazing. I guess this is how the other half live! woah.

Terrys Chocolate Orange. He really went out of his way on this one. Seriously it was brilliant! OK there was just the one piece left. But I mean thats got to be better than an empty box because you still get the unique opportunity to taste and enjoy terrys chocolate orange. What a lovely chocolate it is too! Eveyrone was in awww that I had such an opportunity to taste its chocolatey goodness.

My biggest present had to be the cardboard box. And not only that, it was a box the supermarket used to pack Doritos crisps in!! It had that cool logo on the side! So not only was the box awesome in helping me store my stuff - like my bubblewrap. But also friends would think that I was rich enough to be able to afford luxury items such as Doritos! - And a lot of them too!

I felt like a very rich man this Christmas. Im so fortunate because I know its hard times. My brother must have really been saving up this Christmas. Theres no way my presents could have ever matched up to his.

All I could get him was an N64 with Goldeneye.

Biatch!
(Miggyman, Fri 23 Jan 2009, 0:04, 2 replies)

Amsterdam
Ms Hanky and I are going to Amsterdam next month.

What with the exchange rate dying on its arse

we're only going to be able to afford to get fucked up on legal grass

instead of getting absolutely fucking cunted on it,

as was the original plan.
( SpankyHanky, Thu 22 Jan 2009, 23:58, Reply)

Everyone loves a bargain
I got a McFly album for a quid on the last day of Woolworths.

Come to think of it, that's:

(a) still a rip-off, and
(b) probably not something I should admit.

The fact that I only got it for the sake of buying "something, anything" (as I believe I said at the time) and haven't bothered listening to it yet slightly dents the bargainous quality. Clicks might persuade me to frisbee it and YouTube the results.

(I also got a couple of manly Metallica albums, if only to avoid a kicking from my flatmate. Haven't listened to them either.)
( Dave McF wrote some words on, Thu 22 Jan 2009, 23:55, Reply)

It may bollocks up my later plans to emigrate
I rather fancied moving to Australia for work once I left uni, seeing as many people have told me that they're looking for animators and such. Not sure if that's strictly true, but it would be nice to get a Visa and go out there for a job.

For a student I've saved up a fairly tidy amount, and stuck a load in an ISA, but as the interest rates plummet, I can say goodbye to a tax-free bonus for saving. Combined with the shitty exchange rate, think I'll be sticking around here a good while longer.

Enough time to watch Brown to get booted out of Downing Street at least, so that'll be a perk
(Stu in the hat is frothing at the gash, Thu 22 Jan 2009, 23:49, 4 replies)

Have you bought a house yet son?
What questions do your parents incessantly ask you? For years my father asked me, "When are you getting your hair cut?" Army man that he was he isn't too keen on my long, girly hair.

"Screw you dad! I've moved out of the house. My employer doesn't give a toss. You can't make me get a number 4 all over anymore!"

Next question. "Are you getting married yet?" Ah-ha-ha-ha, I have thwarted his paternal plans once more it seems or more correctly my last long term girlfriend has by leaving me a broken shell of a man. Damaged goods, I now remain single with no immediate prospects for engagement The position is still open ladies. Ladies?

The remaining question I was continually asked PRE-credit crunch (very important that pre) was "When are you going to buy a house? Have you bought a house yet? Looked at getting a house?"

Again and again and again with the fucking HOUSE shit!

"No, no I have not. And you know damn well why not. For the fucking million reasons I have enumerated before I. WILL. NOT. be buying a house anytime soon but allow me to tell you them one more time just so we're clear on the matter."

- A mortgage that I deem sensible is 3 times my salarly. Even though I earn a respectable amount, 3 times my salarly in Cambridge buys me a hovel. No I will not move outside of the city to a satellite village.
- A mortgage requires a sensible deposit. I do not have 10% of the value of the hovel saved up even if I was prepared to move into a bijou studio in the middle of chav fucking central
- A mortgage is a long term investment. This is fine if you intend to live somewhere for 10+ years but what if you need to leave unexpectedly? What if work dries up? What if the housing market temporarily goes down so what you could sell the house for won't repay your original mortgage taking into account any amortisation? Exactly, you can't move. You are stuck paying the mortgage until the housing market recovers: a prisoner in your own home.
- What if interest rates go up 2%? 5%, 10% even? It's unlikely but if it happens can I weather the storm?

Bottom line - anyone who buys a house with a mortgage more than 3 times their combined income, doesn't have a sizeable deposit and can't afford to make the monthly payments if the LIBOR goes up a few percent and isn't prepared to stay put however long it takes then they are taking a massive fucking chance. Anyone who tells you different is a liar or a fool. It might pay off and it might not but if it doesn't did you ever stop to think that that was a SIX FIGURE SUM of money you signed your name next to? I know the ins and outs of becoming a home owner are complicated but sweet zombie jesus, it's the biggest purchase you'll ever make! Do some research, make sure you know at least as much as the estate agent. </rant over>.

A typical post credit crunch parental conversation:

"Hey dad no I still haven't bought a house. Oh what's that sorry, you're no longer asking me that question are you? Go on, admit it. Admit that my grip on reality made me turn round to Northern sodding Rock and tell them to shove their 125% mortgages up their fucking arses! Recognise that I saw through the bullshit obsession that this country has with obtaining property and made a choice of what to do with my pay packet using some of the little grey cells *click* Dad? Dad, you still there dad?"

What a sore loser.
( djtrialprice, Thu 22 Jan 2009, 23:31, 18 replies)

Good conditioner..
..I'm a guy with long, tumbling, cascading, curly, dirty-blonde hair. I have a fucking mane.

Rather than chop it off I spend a significant percentage of my weekly £60 dole money on decent conditioner, because I WILL have my long hair, even if it means not being able to afford a pint at the local where girls might notice my hair. The important thing is having the hair in the first place.

Beer is good too though.. and I've run out..
(raymond "three griddle pans" luxury yacht lovin' the christmas action, Thu 22 Jan 2009, 23:23, 8 replies)

i got a pack of mullet top trumps card for 90p in woolies
and also found out today i might not have a job as of next friday.
to make up for this post of woe-
Why did the chicken cross the road?

Urban expansion has destroyed his natural environment
(halloumi slowly pushing you down the board on, Thu 22 Jan 2009, 23:16, 3 replies)

It hasn't really affected me at all, that I know of anyway.
But I do know that a friend of a friend who used to work at Woolworths got a brand new xBox 360 for under £20, because of the VAT cuts and her staff discount.

Kind of makes me wish I worked there.


No it doesn't.
( Lollylegs lite, Thu 22 Jan 2009, 23:03, 1 reply)

My mate Steve
My mate Steve and I were talking the usual bollocks in the pub recently.

We discussed the important topics of the day, including

Who would you fuck out of R2D2 and C3P0 if you your life depended on it*

And

Is it polite conversation to ask a girl if she gushes when she cums whilst your out on a first date**

Anyway, after we get the important stuff out the way we turn our attention towards the credit crunch.

"Hows business, Stevie Boy," says I.

"Ahh, yer know, so so," a pause. And then Steve said something which I think we all could learn from. Something so profound that it summed up everything thats good about this island nation of ours. Steve said...

"Im not getting as much cash in but Im seeing alot more tit and arse."

Steves a tattoist, did all mine and he is really fucking good at it. He went on to explain that no one wants the big complicated stuff anymore on account of prefering to eat and have a roof over their head instead of getting inked. So the only business hes doing now is the smaller, cheaper, more intimate butterfly, cherry, star, dainty lady stuff on or around rude lady areas.

We sat in silence for a bit and then Steve said

"Im storing up alot of memories for the wank bank, Spanky, and they cost me fuck all..."

No matter how bad things seem to get at work, theres always gonna be some positive to draw from the situation, people...


* The gold one, obviously. Must go like a train for hours which would explain the funny walk.

** No. Definately not. I did that once and got punched. Not really very fair considering Id told her already that I gushed when I came.
( SpankyHanky, Thu 22 Jan 2009, 23:02, 3 replies)

I feel the need to punch anyone who dares utter the phrase....
....."credit crunch". I have total sympathy for all those who are directly and indirectly affected (and I tentatively put myself in the latter - and am affected believe me). However, I have a intrinsic hatred for media buzz phrases.

At one point I thought about registering the phrase "Credit Crunch" as a trademark or other, so that whenever the phrase was used in the written form I would cash in. Seems a bit nasty though (and yes I haven't thought about the legal implications).

Long live ALDI.
( jonbontempi, Thu 22 Jan 2009, 23:02, Reply)

I did score a bargain at Woolworths actually.
It was just after Christmas in some poxy little village in the middle of nowhere, mostly peopled by OAPs. Fortunately the Woolworths had a load of PS3 games in and nobody in the village had bought them and it was near enough their last day. So I got Little Big Planet, Metal Gear Solid 4, Star Wars Force Unleashed and Mirror's Edge for the princely sum of £57.96 the lot.
( Afinkawan Yes I can hear you Clem Fandango, Thu 22 Jan 2009, 23:00, Reply)

( The Mock TurtIe ™ --- Thinks you are a cunt, on, Thu 22 Jan 2009, 22:53, 2 replies)

Credit crunch? Not in the slightest...
I earn the same as three years ago, I pay the same rent / mortgage (i.e. none thanks to some jaw droppingly generous inlaws) and I've been spending the same as ever...

What HAS affected me however has been the birth of my daughter a couple of weeks ago...

NOW, it's no longer enough to have a dead end career in mobile phone content (I make ringtones for a living) with no hope of escape - I need to plan a long term career out, so I'm doing teacher training in September which means:

Actually working. Hard. All week.

Not having a wage, but in fact using up years worth of savings to get by.

Having absolutely zero time to spend with new arrival.

Spending a fortune on clothes that don't make me look like a serial rapist / hobo so I'm allowed into school in the first place.

Buying loads of textbooks and resources I'd never have needed in the dead end job.

Never having the time to play gigs outside of the summer holidays.

Seeing my lovely wife for approximately 5 seconds a week in between writing essays, marking kids books and sleeping.

Being blamed for other people's inability to be a responsible parent.

Being blamed for my own inability to be a responsible parent.

Being blamed for everything written in the Daily Mail that isn't already caused by immigrants or the government.

Taking another five years to get back to the salary I'm on now.


I'm told it's worth it...

O_O

Disclaimer: I am actually looking forward to it, I just can't say this stuff at home or everyone will feel guilty for pushing me into it...
( Sonic James Doom forgetting the date since... umm..., Thu 22 Jan 2009, 22:40, 4 replies)

I work for Barclays Bank
I find out on Monday whether i still have a job or not...

Enough said really...
(Nuclear Ninja like a radioactive Chuck Norris..., Thu 22 Jan 2009, 22:40, 5 replies)

it's changed my job completely
this time last year, the queries on my desk were: i want to build here, there's a right of way going through it; i want to buy this property, get rid of the tenants etc.

now it's: i've exchanged and i want to pull out; can i reduce the purchase price; i can't afford my rent; and time after time after time (FIFTEEN THIS WEEK): my tenant's gone into administration, what do i do... or also my landlord hasn't paid his mortgage and the bank are throwing me out, what can i do...

it's worrying/upsetting because every insolvency provokes another one (see woolies and zavvi) and nobody wins. well, except the accountants and the lawyers, but even then you end up recovering small percentages of the bill.

and spending most of the day worrying about job security, which is horrid of course.

but on the bright side, there's some amazing restaurants near my new office, anyone been to a salade and chosen their own deli salad, it's the Shit!!
( rachelswipe with a fork, Thu 22 Jan 2009, 22:39, 1 reply)

bugger me
this is cheerful.

please, someone, anyone, post something funny?
(imallamallama looking forward to llamageddon on, Thu 22 Jan 2009, 22:35, 1 reply)

People have been suffering from debt for years
and no one really gave a shit.

It only became a credit crunch when rich people started hurting.
(apeloverage committed the vile act of onanism on, Thu 22 Jan 2009, 22:14, 3 replies)

Fuck me
this QoTW is hardly a barrel of laughs.

I appreciate that b3ta can't do smut, filth or poo topics every week, but I come to this site for a ***break*** from the cruel outside world.

Getting back on topic though - you might think now, all you smug so-and-sos, that "it's not affecting me at the moment, in fact my mortgage has gone down and all is good" as if in some way this means that you will be immune to the effects of the world crisis.

In actual fact, the crisis hasn't even begun.

I'd advise you to enjoy these moments of financial complacency, because the debt situation we are all in - i.e. the money that our governments owe - is unprecedented. This is not like previous recessions, trust me.

For one thing, the economies of the world are completely intertwined. This was not the case last time round. For another, all the "family silver" sold off to get us out of the last recession has gone now. So the only other option for us is to have a war, the bigger the better. Good news, eh ? Interest rates can't go down any more - banks can only be propped up so much. Nothing is working, and basically we're out of options.

If anyone listened to what the new Pres said this week, it was basically: we're fucked. Get used to it.

So, everyone, enjoy, but if you think that the crisis somehow won't affect you, and your final salary pension etc etc, dream on.

I hope to God I'm wrong; who knows, I could be, but these are times without precedent. I see us coming out of this by 2012 *at the earliest*.

So more sex, filth and stupidity tales please because God knows we're going to need to laugh...
( I_Was_Mordred, Thu 22 Jan 2009, 22:14, 2 replies)

i am actually, better off
basically, me and mrsloaf, are saving for a place.
by the time we've got the magic £10-15k together it will be this time next year, by which time, houses will be cheap (sorry homeowners)
our outgoings are fuck all, fuel got cheaper, beer seems to have also got cheaper (win) and neither of us, apart form an interest protected student lona on me, have debts, own anythign we haven't paid for, or any property. plus i work in a job that requires security clearance and CAN't be canned or outsourced for reasons i won't bore you with, and she's in the NHS at a level where she can't be downsized.
fuckin result
though i do really worry about some mates i know who just bought places and are in jobs in less fortunate sectors.
(UppityDamnPrimate LET'S OPEN THIS F*CKING PIT UP, Thu 22 Jan 2009, 21:55, Reply)

Fuck, I haven't posted for ages.
In fact it's so fuckin' long I'm back in fuckin' Blighty after spending seven and a half years in Japan.
Personally, I'm not affected by the credit crunch and hopefully won't be but for all you cunts putting down others on here about 'I'm alright Jack, everyone one else can sink, 'cause I don't give a fuck' can FUCK RIGHT ORFF. I appreciate people have borrowed on the never never and borrowing, whether morgage or loan, is a common sense decision that you should make within your means. But if someone has been shafted by being made redundant don't feel so fucking smug about it you fuckin' cunts. Jesus wept (well, he did when he was nailed to the cross)there might be saturation credit crunch here, credit crunch there, credit crunch everywhere but there are peoples lives going down the shitter and a bit of courtesy wouldn't go amiss you heartless cunts.

Rant finished. Fuck, all I ever do is rant these days.

Ahh, happiness and bliss.
(Dellamorte Dellamore Fuck it all, fuck it up, fuck it., Thu 22 Jan 2009, 21:55, 5 replies)

Work is possibly a bit dodgy now
working in construction but there's still bits and pieces to do.

I've not got any dodgy debts, or a big mortgage: I'm renting and I've saved my pennies so I'm getting screwed by the banks (because they themselves screwed up).

I've just about got enough of a deposit to buy a house, and although mortgage repayments are much less than my rent at the moment friends have told me it's not worth trying to get a mortgage because nobody wants to know.

I'll have my revenge one day!
Leave 10 quid in a bank account and get lost in some distant galaxy while in suspended animation and come back owning all the money in the world with Powergen because I left the light on or something like that
( thistle, Thu 22 Jan 2009, 21:45, Reply)

We cleverly saved money by making huge pans of delicious hi-fibre vegetable soup.
We ate lots, did I mention that it was hi-fibre? All the money we'd saved went on toilet paper. Curses.
(Juan Quar is clinging to her front teeth on, Thu 22 Jan 2009, 21:44, Reply)

Sorry to be an arse but...
- I have a permanent public service job that I can't be sacked from, with guaranteed annual pay rises
- My mortgage repayments are tumbling
- Shops are having lots of great sales, so stuff is cheaper than ever

Looking at other replies, I'm not the only one who wants the credit crunch to continue.
( Purple Martin is board sigless, Thu 22 Jan 2009, 21:18, 1 reply)