The 'bargain' culture of this country.
Don't get me wrong, I'm all for people getting the most from their income, however I strongly believe that the old adage 'look after the pennies and the pounds willl look after themselves' is wrong. The saying should be 'look after the pounds and you won't have to look after the f*cking pennies!'.
So much these days is about shaving a few pence off every day items, but ignoring the big items. Okay if you are really living on the breadline and the bailiffs are in knocking at the door, then I totally accept that you need to look after everything. But when I've seen middle class people spend a whole day shopping between three supermarkets, because 'Lidl's sell apples for 50p less' (that's a direct quote) then things have gone too far.
All the time it seems that everything is price driven - the concept of quality of product or service is vanishing. People will spend money on websites that sell stuff for a quid less and then complain when the service goes up the ****ter, instead of sticking with somewhere that they can trust that might cost a little bit more. It's false economy to go for the cheapest every time.
Sites like Hot Deals and Money Saving Expert only perpetuate this way of thinking. Martin Lewis in particular is a joke - his site is great if you want to save some pennies on your shopping, but before the banking crash he was strongly advocating putting your savings with Icelandic banks (despite the issues being well known throughout the Financial Services industry).
I am by no means 'well off'. I earn an average wage and my wife doesn't work, which means our joint income is amongst the lowest of the families I know. Yet we have a much better quality of life, because we have made sound investments like securing a ridiculously low mortgage rate by bartering with the banks. Sod the advice of saving some money off a CD, where is the advice to people about doing this, or renegotiating your pension with your employer?
Some might think I'm a snob, but it's not about 'I'm better than you'. I seriously think a lot of people have got their priorities the wrong way around and it frustrates me, particuarly when I see people spending so much effort on saving the small stuff and having to forego other luxuries.
Don't get me wrong, I'm all for people getting the most from their income, however I strongly believe that the old adage 'look after the pennies and the pounds willl look after themselves' is wrong. The saying should be 'look after the pounds and you won't have to look after the f*cking pennies!'.
So much these days is about shaving a few pence off every day items, but ignoring the big items. Okay if you are really living on the breadline and the bailiffs are in knocking at the door, then I totally accept that you need to look after everything. But when I've seen middle class people spend a whole day shopping between three supermarkets, because 'Lidl's sell apples for 50p less' (that's a direct quote) then things have gone too far.
All the time it seems that everything is price driven - the concept of quality of product or service is vanishing. People will spend money on websites that sell stuff for a quid less and then complain when the service goes up the ****ter, instead of sticking with somewhere that they can trust that might cost a little bit more. It's false economy to go for the cheapest every time.
Sites like Hot Deals and Money Saving Expert only perpetuate this way of thinking. Martin Lewis in particular is a joke - his site is great if you want to save some pennies on your shopping, but before the banking crash he was strongly advocating putting your savings with Icelandic banks (despite the issues being well known throughout the Financial Services industry).
I am by no means 'well off'. I earn an average wage and my wife doesn't work, which means our joint income is amongst the lowest of the families I know. Yet we have a much better quality of life, because we have made sound investments like securing a ridiculously low mortgage rate by bartering with the banks. Sod the advice of saving some money off a CD, where is the advice to people about doing this, or renegotiating your pension with your employer?
Some might think I'm a snob, but it's not about 'I'm better than you'. I seriously think a lot of people have got their priorities the wrong way around and it frustrates me, particuarly when I see people spending so much effort on saving the small stuff and having to forego other luxuries.
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