My Mum Lives In Denial of Her Debts | Spendaholics | Only Human 

It was so poorly done, the guy was definitely not paid enough to care lol!!

You are funny I love you already.

Time stamp? Not sure if I like it enough to watch through

7:25 :p

Beatrix Passmore How can She afford to live in a house?

I am.sorry you had such a bad time as a child.

Thats so sad 😢

Hugs. You have managed well. I was similar in that my parents had money but only bought me clothing that was somewhat fitting from factory outlets, usually not basics, so I actually never had what I needed for everyday wear.

Sorry you experienced that❤

I know one that made the step daughter wear the same shoes for years, no matter how big the feet were. Made her leave school to stay home taking care of the babies she had later. It was about 80 years ago.

KM Well one of them went to University and now is a Pastor! He’s done very, very well for himself!

@@TraceUK ... that’s wonderful... good to hear.

@@TraceUKo wow! Really? That is amazing.

Which one is the pastor?

Nanette Morton yeah but she’s gotta do it quick, I used to do all that awesome free stuff with my kids, but once they are teens, no way will they hang out with you unless you spend money.

I used to have great time with parents while being a teen (without much money). We went for long walks with our dogs or did sports, we watched movies together and discussed everything in the world. 24 y.o. now and still love hanging out with mom, doing something, cooking or going for a walk in a local park In my opinion it’s all about the way of parenting and moral values of adults in family :)

Agree, @nanette - especially in a big city like London. If you're really resourceful, I imagine there's lots of activities. Of course being an international city, there's expensive, but many things free or low cost. Same as here, in Toronto, Canada.

Too late. Their minds are already poisoned by video games. No way they'll do something as lame (to them) as going to a library.

⁠@@HO-bndk I think the point is to do stuff with her children instead of taking them shopping.

Yeah sounds like she spent more than £50 a week on wine alone.

With credit cards you don’t feel like yr spending....

@@laurafulop2486 and she tears up the bills too

She's 32, and admits she doesn't yet understand interest, so her response to her own ignorance about that is to tear up the credit card bills. Wow!

Denial ain’t just a river in Egypt!

She held it together really well. Regimentation is not good for creative people.

Sona, which Cult were you in ?

@@chrislambert9435 JW'S

@@sonjawilliams989 Thank God youre out

@@chrislambert9435 Thank You. I'm glad I'm out now too. Where you in a cult?

I know the show is old but I cannot understand how back then that was considered a lot of money. In past episode I see people living in their own apartments on 15-20k a year in London and am like, "life was good back then". Inflation is a real killer.

It was like 50 now

@@greenpenguin7877 I would say adjusted for inflation maybe 40 to 42k. You have to think though, this is London so salaries are inflated for location.

@@WalesGaming86 according to the inflation calculator it's 48k today

@@greenpenguin7877 That's fair enough.

Brilliantly said

And me, during Covid, and being the ONLY person actually IN the office...might even wear the same outfit for most of the week!

You are already wiser than your years.

Nana... I wear boxers and T shirts every single day... easy peasy...

Nobody asked 🤷🏽‍♀️

My pair of jeans are into their third year and apart from the odd pair of socks and undies I won't need any new clothes for the next few years.

Still better than early 2000s

She's really very pretty & I love her look

She looks like Paula Wilcox in Man About The House

She very pretty.

@@shsharrell9267 Lol your eyes don't work

Absolutely.

Erring a uniform is good. There’s no comparison because everyone wears the same thing. I grew up wearing uniforms in school. Wasn’t an issue. Whether your parents were rich, poor, struggling it doesn’t matter when it came to what you wear to school cuz we all in the same uniform lol.

@@KC-kg3ld sounds like communism

Uniforms are good. Find creativity in other more sophisticated ways.

5 years of paid daycare… her parents should be ashamed!

@@KC-kg3ldglad your experience was positive- I had thought the same thing, until my Kiddo went to a school where uniforms were required. It wasn’t at all an equalizer; it just meant I was massively limited in what I could save on her clothes, bc they had to be specific, expensive uniform components. And she still had to have clothes for after-school, so it didn’t save me anything; it became an additional set of expenses. At least now, I can get stuff for her at thrift stores, and on sale. Plus , kids still find ways to distinguish themselves, whether it’s socks, shoelaces, hair bows, expensive backpacks, etc anyway

I agree. I look at this 2023, and the comments are very aggressive. She’s lovely, as the boys. She has great potential. I hope they made a better life. 🇸🇪

And when you're budgeting usually birthdays and things are sorted in advance... I know I buy my nephew's gifts WAY in advance

It’s not the kids’ fault😩 this was unfair

@@elzmelz that’s the point though. She hadn’t done any sort of forward planning, she didn’t live on a budget. Like any of the people on this show, she just spent the money on the day, on the spot. That’s why the twins’ birthday was that week and she still hadn’t bought them any presents (and the presents they were expecting were games consoles, not cheap. I got a console for Christmas when I was 12 and my mother bought it months in advance and budgeted accordingly). Anyone actually keeping track of finances would’ve already had any gifts or celebrations sorted by then, even if that means simply ensuring they have the ingredients for a homemade cake in the kitchen.

Plus!! She overspent for her twin’s birthday 🎂 she was thrifty with it - the biggest mistake she made was arguably the wine so hardly that bad!

Sure let us make excuses for her. Sure it will take her a life time to get out of dept. How is she going to send her children to university?? Those kids futures are now in the the balance. Sad

Cynthia Belhumeur in England, our student loan program works differently. You are only expected to pay back your loan once you’re earning over £25,000. And at that point, it’s only 9% of what you earn, which is taken off your pay check. It’s more a ‘tax’ than a loan x But I agree with the sentiment about the money going towards their future than silly materialistic things

Sue Andrews aahhh just seen your response! It’s easy for people to judge but you don’t know their story x I’m proud you’ve gotten through a hard time - money is important but money comes and goes whereas time is finite x

Fair play. That's the right way to do it. Cautiously spend.

I think that is kind of a smart way to shop actually. I didn’t grow up dirt poor but we certainly had to be careful! Shopping is a therapy of sorts for some people and I shop online when I am feeling anxious or vulnerable......leave it in my cart for quite awhile....go back and have a think, perhaps delete an item or two.....leave it for awhile longer......until I either purchase what I really need or delete the whole bunch!

That’s what I do on Amazon .. my heating pad died ( which I really needed for the back problems and fibromyalgia ) and I took two weeks to finally make purchase . We were poor growing up also .. so I saw mama being careful when shopping and I guess it just with me as I grew up .

Good idea, sounds like you grew up being conscious about how much things cost.

@@kathleenkitcher852 same here, and it's holding in good stead now that our niece is staying with us for a bit. Deciding how much work goes into something is a good way to go

She only needs to be sorted by a Guy

I don’t know. She actually annoyed me when she cried because she had duties at the school. I don’t think the school was the problem as much as her relationship with her parents. Something happened at home where she probably felt ignored, unheard and uncared for. The school was just a surrogate to blame for how she related to her parents. Many children go to boarding school and turn out fine. She probably felt her parents sent her there to get rid of her, not to help her.

@@chrislambert9435 She don’t need no man.

@@victhecuber5956 Thankyou Vic, if She had a man she might only Trash Him

Well that's the thing, she's 40000 in debt, she doesn't have 30 pounds left over per week, she just acts as if she does.

Or rent it out 🤷🏻‍♀️🙂

Looks autistic

He definitely puts off that vampire vibe to me. 😂

To be honest he behaves a but like a psychopath :D I wouldn't let him to tell me how to live my life.

Botox?!? Or perhaps it is part of his training...don't ever come across as surprised?!?

@@ariannesmum do you even know what autism is???

I also thought myself "Huh, thought this was SHOPAHOLICS, did i clicked on Hoarders episode?" Hahaha. XD

Basically

Very true. Kinda had a convo about this recently.

Exactly why I am not too upset about not having kids. I am not sure I can say that I have thrived on this planet...so how do we teach our kids to? Especially when the world and the rules are constantly changing.

You're absolutely right

Very true.

I hope she managed to hang onto it despite her debts and the boys will inherit it eventually.

I hope she still has that house! God our generation is so screwed😭😭😭😭😭

I was just thinking that. Also 10 to 15 years ago, her salary would’ve been very good indeed.

When my kids were small, we would have a fairly extravagant birthday parties for less than $100. I would make a cake, buy ice cream, drinks, snacks, make a spagetti dinner with a ceasar salad. Go to the dollar store and get supplies/ grab bags. Hellium baloons were a dollar a piece (good decoration and each kid can take one home). This budget would include games like "pin the tail on the donkey", "hot potato", "musical chairs" with prizes for the winners. The parents were invited too. It was 3-4 hours with loads of food. Even a little left over for a few beers for the adults. When the kids were a little older, they would have sleepover parties with fewer kids. Pancake breakfast in the morning. My kids have some very happy memories and I think their friends and their parents really enjoyed themselves too. You can have a really good quality part without spending a lot.

And after the cake she could make a homemade pizza with the kids

Access to my energy Is YOUR privilege. I’m slightly confused in order to have a place to live,a car and even a cell phone you need credit. That can only be built up if you have a credit card. I hate credit cards but I HAD to get one to build up credit for my future. Colour me confused.

Holly I agree, you can’t even book a hotel without a credit card

@Access to my energy Is YOUR privilege, That right there my friend is the attitude of success. I do not know where you are from, so I will speak from my personal perspective and experience as an American. While establishing your credit through the demonstration of responsible credit card usage is certainly the route the majority of Americans take, it isn't the only way. However, due to the state of affairs our current economy is in, I do recommend getting one credit card in order to kick off your establishment of credit. Use that card for strictly designated items/stores only, such as your local grocery store. Make sure that you have the funds to complete whatever purchase you are making. Whenever the sale is reflected in your credit card account, pay off the total. If you prefer paper statements via mail vs. electronical statements, then write the check and mail it off the day you receive it in the mail. For myself, I only opened my first credit card about 4 years ago. Prior to that, I used only the debit function of my debit/credit card. I started working at 14 years of age and saved every cent. Any time I received a couple of dollars or so in a birthday or Christmas card, I would add it to my savings. I had a cellphone in my name and paid by check via mail when I was 16 or 17. At 17 years of age, I worked 2 jobs in addition to attending my final year of Highschool. At18 I landed a civil service position. I continued working 3 jobs, living as frugal as possible until I saved up a respectable savings. When I say "frugal" I mean that I had the same flip phone for 9 years until it died and then replaced it with another flip phone; had no cable, no internet, and no house phone (I would buy books from the library for about $0.25 to $1.00 each and amassed a fantastic home library); stitched and mended my clothes rather than tossing them and buying a whole new wardrobe, etc. (though I did wear a uniform at work). I bought a practical vehicle with a large down payment and financed the rest. When I was 19 I did the same with a condo and bought my first home. I did this without any financial help or co-signing from another party. At 22 I did something that I never thought possible. I traveled around Europe for 2.5 weeks. Growing up, saying "one day I am going to visit Spain" was about as feasible as saying that I wanted to be POTUS. Yes, I did treat myself here and there, especially when it came to gear for my outdoor hobbies. However, I was very cognizant of my spending and never bought anything that I did not have the immediate funds for, including my European trips. I can only speak for myself, but as someone who grew up below the poverty line, in a high crime area, in a dilapidated and quite frankly unsafe apt. full of mice and waterbugs, well it made me realize even as a young child that I did not want to live like that for the rest of my life. One doesn't forget the living paycheck to paycheck, the fear of running low on groceries, the electricity getting shut off and so on. When you come from such a background, you can either continue the generational cycle or you can break it. It's not easy. But with hard work, self discipline, and determination, anything is possible. You've got the right attitude.

S. Proulx that’s very not true. I work in hotels and every single hotel I’ve worked at over many years has allowed debit cards.

@@eamsee657 OMG that is invaluable knowledge, I appreciate it and I'll definitely look into it, I'm trying to save for a deposit for a down payment...I understand a little bit about credit history and all that in the US but speaking on the downfall and debt of most people I know in the UK it's credit card debts that are a downfall of many and thus having them chased by bailiffs and acquiring county court judgement and thus not being able to invest in anything. I personally prefer to not get one and understand the benefits of having one but for me it's just what I prefer, at the moment I'm spending what I can afford and saving...if I can't afford it,I'm not buying it and that's because I have a greater goal,not judging anyone but I just don't want credit card debt...I have enough going on already to think I have this disposable income that down the line will cripple me in the long run. The easiest thing is to get into debt and the hardest is to come out of it, we all have different incomes so it's not easy to just group all our financial management into one box, I personally at the moment can not afford to accumulate debt through credit cards. Thanks for the advice and sharing your thoughts and insight into the situation,it's really invaluable.

Your situation was totally different. You didn't have the choice to shop. Now you're acting superior when you have no right. So unkind.

Cecilia Johnson she is speaking from her own experience. How is that acting superior? I agree with her. Back then you had no choice and appreciated what you had and used your brain for cognitive development in life and in imagination. Credit cards, shopping malls, it’s all extra things that make people spoil themselves into a different reality because they are missing something from their lives. personally or physically. What the woman in the video has is an addiction.

I absolutely agree the lady in Spendaholics was coming across as someone with a spending addiction. Addiction born from feeling left out and abandoned at boarding school, which she hadn't forgiven at the time the show was filmed. The Commenter triggered a sharp response in me because her (or his) situation growing up was completely different to that of the Lady on the programme. The lady in the programme was having quite a number of problems - overspending was the symptom of emotional pain. But I had no right to be snappy at Commenter, that was wrong of me. You are quite right to pull me up on that.

Milk back than cost fifty cents where today it cost four dollars:

Wotdermatter My Grandfather fought in WWII. He passed away in 2005. With COVID-19 happening I really wish he was about so I could talk to him more and thank him for what he went through during the war. I can’t begin to imagine the sacrifices both yourself and my Grandfathers generation made for me and how you and him coped with the ongoing anxiety of losing loved ones or being bombed. How do you feel WWII compares with COVID-19 and lockdown? 💕

Defo what they say u spend a in a year to take care of a newborn.. is total bs just get what the kid needs and there happy not all the extras and luxuries there under one there not going to remember if there clothes where asda or Ralph Lauren 🙄

@@alison2984 .. I never knew my family was poor growing up really . Most of my friends were just like me .. but we were happy and I had a wonderful childhood and have lots of very happy memories . That’s what really counts ..

I hope you have been better with your mental illness. Don’t let your illness define you as a person. You have a sense of humour, most people with schizophrenia don’t have. 🌹🇸🇪

Tina Christine the clutter makes me crazy. I love shopping as much as the next person but the idea of “stuff” just pilling around in my home drives me away from shopping.

I know. I decluttered my life a few times and now I avoid spending. I have re jigged my brain to save and not want anything.

Yep and have to share it

Right, and with all four siblings and parents always got to play the moment requested. Ugh!

😂😂😂😂

Love it 😅

Jocef Jose Well one of them went to University and now is a Pastor! He’s done very, very well for himself!

She doesn't strike me as a selfish person. It's hard to get help on your own, and I think she spoiled her sons because she was trying not to be selfish due to her neglected time at school. Addictions are selfish in nature but people who have them deserve (as she rightly got) help not to be mocked and called selfish for having one. I can understand families being frustrated but as strangers in the internet we don't have a right judge her.

You taught those kids right.

I was thinking she looked old

She looks in her early 60s. In future don’t lie to people to make them feel good.

Miriam Coleman looks 70s

and the eye shadow!!

And the bangs

In 20 years you'll all be cutting up all those selfies when you all realise what those big hairy bushes above your eyes really look like, they'll be talked about like the mullet in the 80s. 🤣🤣🤣🤣🤣

Lollll so true 🤣🤣🤣🤣

Omg I think he is all filler and nothing killer! What a moron 😮

Metal Videos think she’s still paying her mortgage?

How would it not be possible? It is all behind closed doors

@@absolutelyridiculous6743 Because in the Netherlands you won't get £45.000 as a loan with her £32.000 yearly income. Not a chance. And common citizens don't use creditcards here.

@@truebluewonderful oh but it's ok to legalise prostitution and cannabis? I hardly think you can use your nationality to display some sort of moral high ground here! !

@@greenpenguin7877 Do you think illegal prostitution and cannabis is better😂

Yep, lots of adults don't know the difference between indulgence and love (which is a tough skill and involves saying no and building character)

The bank is hardly in need. And they love it when you miss your payments and rack up a huge credit card bill actually.

Classic

Well I tear up my cc statements too ONLY after I’ve reviewed and paid them.

@@Melinamiu007 How sad . Good thing I figured it out before it was too late ...

Boarding school was mostly for rich parents that were always busy and always on the move, so they shipped their kids to a school where they will be taken care of.

@@nora4981 Well sure but why have kids if your always busy and on the move ?

A lot of people had bad experiences with boarding schools but I can't think of a single thing that was bad about my time in one, i loved it! I was a scholarship boarder so i expected the rich kids to kinda separate me from them because i couldn't "afford" to be there without the scholarship (i could but they didn't know that) but they just accepted me and we all got along great! I went there from age 11 to 17 and I'm still friends with the majority of the people i was friends with then. Without a doubt the best years of my life. I feel really sorry for those who didn't get the chance to enjoy it for whatever reason (i don't mean those who went to public school, i mean those who went to private school and had a bad time of it)

hahaha, true, she needs a social worker for herself first....

I wonder if she'll laugh off her inevitable alcohol induced liver failure too.

Lol!!! Love your comment!! Made me smile😀! That was Just too funny!!

Same!!! It drives me crazy. I also really dislike shopping, especially for clothes lol

Nothing to do with herself - very different to help others or see yr own faults

Wtf are you talking about she looks after her children. She just has a few issues like regular people, judgmental much?

This was filmed in the 00's not last week or haven't you joined the dots yet? Her house is probably now worth about £750K

Uk music 👍👍👍👍✨✨✨✨✨

Any sort off over the top materialism is bad for the environment and the soul its a great distraction but an awful shame. Peace

There kids!and this was filmed before we really understood or it was so publicised about plastic

Pink lover - Of course people knew that plastic was bad for the environment when it was filmed. People have known that for the last 50 years at least. Most people just don’t/ didn’t generally care.

@@Ikr2025 we do, I try and recycle everything and do. But we have only got recycling bins in our area three years ago and I don't drive.(for the envirnment). The stuff I want to receyeble isn't. The little people can do all they can but need help from the big companys to recycle even more. I was a teenager when this was recorded. Council recycling wasn't a thing and not very much plastic or food stuff was considered for recycling. I cheered when we got recycling. I have never put on the gas for over minus weather and use old clothes to make cushions. Just cos someone want kids to have a bit of fun and not worry at a young age doesn't mean we don't care. I was environmentally friendly as a teen in any way I could so don't say people don't care its just now bins are being put in place. Big companys are helping. It's just now we are being listened too.

Pink lover - we’ll my point is that actually the kids don’t even enjoy those party bags much. They open them - there is a rush of instant dopamine because of the novelty, but then they realise you can’t even do anything with most of the contents and they discard them. So its not really making the kids happy - its just setting up the whole instant gratification cycle. But yeah - I get that as adults we really do like to see our kids happy, and its not easy on a low income or with time pressure sometimes to do that.

I did when they showed the price