FabSwingers.com forum: Will you overspend this Christmas

By *aravancouple OP Man
over a year ago

A Secret Hideaway In the caravan of love

Loading the credit cards and then regretting it when the bill arrives in the New Year.

I did last year,

so this year I will only be spending what I have.

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By *iamondsmiles.Woman
over a year ago

little house on the praire

No, I never overspend at Christmas, I can't I want a new three piece suite

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By *uietlyKinkyUsCouple
over a year ago

midlands

I've never put xmas anything on a credit card

I have a budget, cc is for dire emergencies only

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By (user no longer on site)
over a year ago

No because I don't have a credit card

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By *rightonsteveMan
over a year ago

Brighton - even Hove!

Nope, we have a strict budget and will stick to it.

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By *issBehavingxxWoman
over a year ago

Glasgow

I better not... I cancelled my last credit card ages ago..

The only one I have now is a company one.... Not sure my boss would let me expense xmas

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By *isscheekychopsWoman
over a year ago

The land of grey peas and bacon

Nah i won't be over spending....

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By (user no longer on site)
over a year ago

We never put things on CC. If we haven't got it we won't spend it.

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By *ovelybumCouple
over a year ago

Tunbridge Wells

Credit cards are for business use only and have always been. Wish more people have learned to spend only on things they can really aford.

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By *ovelybumCouple
over a year ago

Tunbridge Wells

"We never put things on CC. If we haven't got it we won't spend it. "

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By *inaTitzTV/TS
over a year ago

Titz Towers, North Notts

I've had a couple of unexpected presents to buy. I blame my step-brother. When they first had a kid, I bought the kid a 1/4 sovereign for when they are 18. His wife is pregnant again, so I'm repeating the trick. With the price of gold, I wish I'd bought them both a telly instead.

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By *exycleanerWoman
over a year ago

pontefract

nope not me, the one of the joys of been single is ive already bought my sisters family presents , she sadly is all i have left now and as im off to hers for my dinner not have any food to buy just few things to get to take to hers, drinks wise

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By (user no longer on site)
over a year ago

I don't have a credit card, I spend what I have, at the moment I have about £20 to last me for a week, but should be ok, plenty of dog food in!

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By (user no longer on site)
over a year ago

Yep always do !!!!!!! Bloody spoilt brats !!!! Lol .... But its christmas who cares

got all year to pay it back

(interest free credit card of course)

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By *B9 QueenWoman
over a year ago

Over the rainbow, under the bridge

No - always within my budget. Took me too long to get out of debt to put myself back in it again.

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By (user no longer on site)
over a year ago

No. I only have crystal to buy for (and her birthday in December too) and will give her a contribution towards her spending on her family. Christmas doesn't cost me much really.

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By (user no longer on site)
over a year ago

"No. I only have crystal to buy for (and her birthday in December too) and will give her a contribution towards her spending on her family. Christmas doesn't cost me much really. "

My family are your family now so it'll be evenly split.

Now cough up!

crystal

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By (user no longer on site)
over a year ago

"No. I only have crystal to buy for (and her birthday in December too) and will give her a contribution towards her spending on her family. Christmas doesn't cost me much really.

My family are your family now so it'll be evenly split.

Now cough up!

crystal"

You tell him girl

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By *ittle_brat_evie!!Woman
over a year ago

evesham

Nope. I have a credit card but I don't know the pin number. Keep meaning to cancel it.

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By (user no longer on site)
over a year ago

I already have overspent this year and that's without Xmas. Goes to prove my gut instinct is always right,

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By *innamon!Woman
over a year ago

no matter

Nope .. its only one day.. just bought my xmas party dress off ebay not spending any more

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By (user no longer on site)
over a year ago

"I don't have a credit card, I spend what I have, at the moment I have about £20 to last me for a week, but should be ok, plenty of dog food in!"

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By (user no longer on site)
over a year ago

So few to buy for that its impossible to overspend...

Im putting some away for me, for sale stuff...

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By (user no longer on site)
over a year ago

"Nope. I have a credit card but I don't know the pin number. Keep meaning to cancel it. "

Don't need the PIN number to use a card

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By *ruitWoman
over a year ago

near kings lynn

"No. I only have crystal to buy for (and her birthday in December too) and will give her a contribution towards her spending on her family. Christmas doesn't cost me much really.

My family are your family now so it'll be evenly split.

Now cough up!

crystal"

Haha

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By *issHottieBottieWoman
over a year ago

Kent

I had to get a new oven this year so my savings went so I've got an interest free credit card which my dad looks after and I have to give him the payments each month so I can't use it any more and I can't not pay what I need to to get the balance down before the interest free runs out

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By (user no longer on site)
over a year ago

Yes.

But then I overspend most of the rest of the year anyway!

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By (user no longer on site)
over a year ago

What's so bad about credit cards? I use mine for absolutely everything I buy over £5. Under that amount I use cash.

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By *yrdwomanWoman
over a year ago

Putting the 'cum' in Eboracum

Making most of my presents and using my Boots points for the rest, so fingers crossed!

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By *arlock69Man
over a year ago

Batley... (near Leeds)

I think collectively as the people, we should rise up against this corperate jolly noise and buy ourselves some peace and quite for a change before we spend it all on fucking toys!!...

Bah fucking humbug...

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By (user no longer on site)
over a year ago

I'm going to try not to but no doubt will fail

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By (user no longer on site)
over a year ago

"No, I never overspend at Christmas, I can't I want a new three piece suite

Same here.I need a new washing machine!

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By (user no longer on site)
over a year ago

Nope, no credit card, and a large family, all my xmas gifts hav been brought from small businesses or home made with my toddler. Wouldnt class myself as particularly artistic, but quite impressed with the things weve made!

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By (user no longer on site)
over a year ago

"I think collectively as the people, we should rise up against this corperate jolly noise and buy ourselves some peace and quite for a change before we spend it all on fucking toys!!...

Bah fucking humbug...

Id love to spend my xmas budget on fucking toys!!

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By (user no longer on site)
over a year ago

"Loading the credit cards and then regretting it when the bill arrives in the New Year.

I did last year,

so this year I will only be spending what I have."

We are lucky to be in a good finacial situation

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By (user no longer on site)
over a year ago

"I think collectively as the people, we should rise up against this corperate jolly noise and buy ourselves some peace and quite for a change before we spend it all on fucking toys!!...

Bah fucking humbug...

Id love to spend my xmas budget on fucking toys!!

Is that you showing anger or do you literally mean it word for word? Lol.

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By (user no longer on site)
over a year ago

"Yes.

But then I overspend most of the rest of the year anyway!

What did you go and do that for?

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By *icketysplitsWoman
over a year ago

Way over Yonder, that's where I'm bound

I put everything on my credit card: I get John Lewis vouchers back and use them to buy presents, at least in part.

I overspend in January when I see coats, jackets and bedlinen on sale. I am holding on to the thought that I don't need another coat (unless it's a long black leather one - Caz knows the one) and I should only buy jackets if I finally find one in the right shade or brown and/or blue. My sister says I don't need any more bedlinen but she's wrong.

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By *arlock69Man
over a year ago

Batley... (near Leeds)

"I think collectively as the people, we should rise up against this corperate jolly noise and buy ourselves some peace and quite for a change before we spend it all on fucking toys!!...

Bah fucking humbug...

Id love to spend my xmas budget on fucking toys!!

Is that you showing anger or do you literally mean it word for word? Lol. "

Nope I nicked it from a song...lol

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By *mumaWoman
over a year ago

Livingston

Nope. Apart from 2 calendars, everything all bought

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By (user no longer on site)
over a year ago

I pay my credit card off in full every couple of weeks. I just use it like I would a debit card but get vouchers back from using it. I only spend what I've got, if I've got nothing then I don't spend it. Christmas will be simple but fun.

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By (user no longer on site)
over a year ago

Nope we have a set budget and will stick to it! Credit card is only for emergencies

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By (user no longer on site)
over a year ago

probably. If I ever decide what to get people

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By (user no longer on site)
over a year ago

"I pay my credit card off in full every couple of weeks. I just use it like I would a debit card but get vouchers back from using it. I only spend what I've got, if I've got nothing then I don't spend it. Christmas will be simple but fun.

Simple and fun is all that's needed. The amount of people I know who panic because what they have bought for people/ children is not enough in there eyes is sad.

Family and fun does not mean getting into debt and it's a shame that modern day makes some feel they should spend what they don't have.

Merry debt free crimbo everyone.

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By (user no longer on site)
over a year ago

Simple and fun is all that's needed. The amount of people I know who panic because what they have bought for people/ children is not enough in there eyes is sad.

Family and fun does not mean getting into debt and it's a shame that modern day makes some feel they should spend what they don't have.

Merry debt free crimbo everyone.

I agree with 99% of that post. Only bit I don't agree with is what you said about people worrying what they get people as yes I agree the expense has gone ridiculous over a number of years, which is sad. However I want the other people to know I have thought of them when I bought a gift and that they actually like/enjoy it.

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By (user no longer on site)
over a year ago

Are bears catholic?

Does the pope shit in the woods?

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By (user no longer on site)
over a year ago

I would never buy presents on a credit card, I save and spend what I have .

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By *innamon!Woman
over a year ago

no matter

Darn it the rate im going today there will be no money left for Christmas.

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By (user no longer on site)
over a year ago

Simple and fun is all that's needed. The amount of people I know who panic because what they have bought for people/ children is not enough in there eyes is sad.

Family and fun does not mean getting into debt and it's a shame that modern day makes some feel they should spend what they don't have.

Merry debt free crimbo everyone.

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By (user no longer on site)
over a year ago

we wont be overspending as we don't do Christmas!

no presents or fripperies

just another day in the year

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By (user no longer on site)
over a year ago

"I think collectively as the people, we should rise up against this corperate jolly noise and buy ourselves some peace and quite for a change before we spend it all on fucking toys!!...

Bah fucking humbug...

Id love to spend my xmas budget on fucking toys!!

Is that you showing anger or do you literally mean it word for word? Lol. "

No ment tongue in cheek.x

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By (user no longer on site)
over a year ago

Presents...!!!!

I give people the pleasure of my company...

Presents indeed...

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By *ovelybumCouple
over a year ago

Tunbridge Wells

"Presents...!!!!

I give people the pleasure of my company... "

Too right, they should feel blessed for that

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By *emmefataleWoman
over a year ago

dirtybigbadsgirlville

Nope.

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By (user no longer on site)
over a year ago

Hottiebottie had the right idea and I know savings can get eaten up in emergencies but just an idea...

Instead of credit cards and paying it off over a year, why not save over the year in an ISA and earn a little interest on it.

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By (user no longer on site)
over a year ago

"I think collectively as the people, we should rise up against this corperate jolly noise and buy ourselves some peace and quite for a change before we spend it all on fucking toys!!...

Bah fucking humbug...

Id love to spend my xmas budget on fucking toys!!

Is that you showing anger or do you literally mean it word for word? Lol.

No ment tongue in cheek.x

I would love to put my tongue in your cheek

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By (user no longer on site)
over a year ago

i have done all my xmas shopping before december

must say i spent quite abit but not as much as i thought i would

but its all about the giving of the presents not about how much they cost

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By (user no longer on site)
over a year ago

What a stupid day its been. So many idiots in this "country" let alone my area

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