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Old 04.07.2011, 13:47
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Two out of five young Swiss to live with debt

Here we go again, the wonderful victim topic:


Two out of five young Swiss to live with debt

Poor girl can't live decent life!

Source:
http://translate.google.com/translat...tes-2011-07-03


They also posted the picture:

I almost cried, almost...
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Old 04.07.2011, 13:55
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Re: Two out of five young Swiss to live with debt

Shouldn't the title be "2 out of 5 young Swiss can't manage a budget"?
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Old 04.07.2011, 13:56
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Re: Two out of five young Swiss to live with debt

I like her LV bag...
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Old 04.07.2011, 13:58
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Re: Two out of five young Swiss to live with debt

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Shouldn't the title be "2 out of 5 young Swiss can't manage a budget"?
The bag might have been a gift - then again, if I am really in debt, I would have sold it off and get some money to ease the current situation.
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Old 04.07.2011, 14:01
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Re: Two out of five young Swiss to live with debt

Her LV is a blast!... And not having money to buy cigarettes or to pay her 150 CHF fine for probably travelling without a ticket? It just explodes the whole thing.

Especially like the part she subtly blames the divorce of her parents, because she can't ask anymore for money.

I’m sorry, having been raised among a hard felt family unemployment, having to go hungry to pay for University fees, makes me very angry to hear kids whining that they don’t have enough money to pay their mobile phone bills or to buy cigarettes.
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Old 04.07.2011, 14:05
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Re: Two out of five young Swiss to live with debt

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I like her LV bag...
Oh my god!

How mean and terrible your comment is!!!



She is poor and can't live decent life, end of it!

The LV bag, the Iphone have nothing to do with that.

Also, in the news she said she is repaying 292chf*4 for a laptop (= 968chf for a laptop)*
*one who hasn't seen my selling offer for 550chf

Anyway it also has nothing to do with her poverty. There's only hundreds of more than decent laptops on toppreise for 600chf but it's insignificant-

She is poor, victim of the society.
Her life's ruined at 18 year old, how sad!
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Old 04.07.2011, 14:11
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Re: Two out of five young Swiss to live with debt

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I'd like her LV bag...
Fixed that for you.

I remember when I finished Uni, having to survive on 96 GBP a week. But I didn't have an LV bag or smoking habit.
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Old 04.07.2011, 14:13
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Re: Two out of five young Swiss to live with debt

Keeping a social status at all cost, or at all parent's costs...is a sad thing. Brand names, the seal of quality, who needs that as a teen? I wonder if this is special here, something tells me in certain circles for sure, but then I know many families who don't give a damn, or people who are high up there and actually recycle their kids old cell phones...well....

Wasn't it the other way around, when we were kids? We got our things passed on from folks, no? Where is the rebellion?

I think if I was 18, my bday wish would be sponsored internship, instead of LV nuting, but then, I think good kids sponsor their own internship, don't they, these days..

It's all about expectations we have from kids. And sticking to them.
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Old 04.07.2011, 14:16
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Re: Two out of five young Swiss to live with debt

The youth are our only way of getting rich and getting ourselves out of recession! Let them borrow more and more! So we can get richer and richer and they will spend the rest of their lives paying for it!
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Old 04.07.2011, 14:18
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Re: Two out of five young Swiss to live with debt

I believe that you guys are taking this out of context. Sure she has an expensive bag...but how likely is it that it's a fake. In addition, this article simply states how young people who are doing an appreteship can easily fall into the debt trap....It has nothing to do with budgeting, since most everyone lives at home and therefore simply get caught with everday expenses.
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Old 04.07.2011, 14:20
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Re: Two out of five young Swiss to live with debt

Chronic fiscal irresponsibility and living beyond one's means is something I'll never understand. I earn a good living, but am perfectly content to live in a studio with my girl, eat M Budget, and buy things on sale. I've actually had people tell me that I don't live according my "status" anymore. If "status" means creating a prison of appearances and living paycheck to paycheck, and if this becoming the norm to boot, then I am worried about where the world is headed.

I dunno... I see girls like the one in the article and grow increasingly worried. I think we all feel in our gut that our way of life is becoming unsustainable and that the proverbial poop is going to hit the fan sooner than later. Maybe Cashboy is right and we should all start learning Mandarin.
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Old 04.07.2011, 14:24
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Re: Two out of five young Swiss to live with debt

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I think if I was 18, my bday wish would be sponsored internship, instead of LV nuting, but then, I think good kids sponsor their own internship, don't they, these days..
When I was 18, on my last high school year, a television channel was making interviews on the street asking people what they had asked Santa Claus for X-Mas. Me and 2 friends just said with a grave face: "getting a place in the public university". We end up in television in the middle of the "I WANT A PLAYSTATION" 8 year olds.

I tell you: the best experience I ever had was returning a full envelop to my mommy to pay back all the suffered money she gave me to pay for my education. She burst into tears and tried to refuse it, but I know she was very proud. Love ya, mommy!


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I believe that you guys are taking this out of context. Sure she has an expensive bag...but how likely is it that it's a fake. In addition, this article simply states how young people who are doing an appreteship can easily fall into the debt trap....It has nothing to do with budgeting, since most everyone lives at home and therefore simply get caught with everday expenses.
Lost, among the bills she is complaining about is phone, cigarrettes, a fee from the SBB and 300 on car fees. 4 things that you can very easily avoid that can help you live comfortably even with an apprentice salary. Which is what most people here are pointing at.

Last edited by Helm; 04.07.2011 at 14:39. Reason: I invented a new English word >.<
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Old 04.07.2011, 14:26
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Re: Two out of five young Swiss to live with debt

I must admit, when it comes to debt, I'm a little like Tom1234 is about obesity.

If you can't afford it, don't buy it. I have little sympathy with people like this, who claim that they have to maintain a certain "image". Though luck honey/dude. Try maintaining that image when you've bankrupted yourself or are in prison.

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I believe that you guys are taking this out of context.
Really? She also has a car, a computer, visa debt, a public transport ticket fine, a speeding fine and smokes.

These are not "must haves".

Although she only has "3000 CHF of debts" as far as I understand, which in the big scheme of things isn't much, to be fair...
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Old 04.07.2011, 14:32
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Re: Two out of five young Swiss to live with debt

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When I was 18, on my last high school year, a television channel was making interviews on the street asking people what they had asked Santa Claus for X-Mas. Me and 2 friends just said with a grave face: "getting a place in the public university". We end up in television in the middle of the "I WANT A PLAYSTATION" 8 year olds.

I tell you: the best experience I ever had was returning a full envelop to my mommy to pay back all the suffered money she gave me to pay for my education. She burst into tears and tried to refuse it, but I know she was very proud. Love ya, mommy!
Yep.

The thing is, one goes off to apprentisage thinking, awesome, my pocket money is so big now, when in reality, while one has to work/study like in a real job, the pay is still a kid's pocket money (compared to salaries), when you think about costs of things here. And buying bunch of new things is what people do when they get a job, not when they change school. 800fr a mo is alrite, matched to expenses kids have when they live at their folks. 800fr a month, though, for snacks, food, parties and trips, clothes, cell, transport and you are out of it. To try to pay for loans/credit card purchases on top of that, I can imagine how difficult that might be. That dad was nice. There was a weird focus on parent's divorce in that article, as if that was the problem and kids victimes...Sure kids conditions change, but shouldn't one know at 18, already, how to do a simple algebra?
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Old 04.07.2011, 14:32
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Re: Two out of five young Swiss to live with debt

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I believe that you guys are taking this out of context. Sure she has an expensive bag...but how likely is it that it's a fake. In addition, this article simply states how young people who are doing an appreteship can easily fall into the debt trap....It has nothing to do with budgeting, since most everyone lives at home and therefore simply get caught with everday expenses.
It's got everything to do with budgeting, whether you live at Hotel Mama or have your own place.

You have a certain amount of money each month which, hopefully, you are familiar with. If you consistently overspend on luxuries then you obviously cannot work out a realistic budget.

Anyway, I thought the schoolkids when through some kind of budgeting preparation as part of the curriculum here?
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Old 04.07.2011, 14:34
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Re: Two out of five young Swiss to live with debt

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I believe that you guys are taking this out of context. Sure she has an expensive bag...but how likely is it that it's a fake. In addition, this article simply states how young people who are doing an appreteship can easily fall into the debt trap....It has nothing to do with budgeting, since most everyone lives at home and therefore simply get caught with everday expenses.
1000chf for a laptop? Sorry I mean 968chf, to be fair.
Even a 500chf laptop is sufficient for most needs.

Iphone, LV bag? i'm going to quote "nespresso" what else?


Yes the article is about "appreteship"-
Fair enough she is still young and has to learn-

But it's again another "poor victim" thread.
Some youngs in need to get other job, find solutions, don't "desire" expensive brands. Even if the bag is a fake, why getting "LV" bag? To impress? Impress who, your banker which you owe money?

The basic kid would not need the laptop but would use the school facility and or the public library. Yes that has some constraints. No she does not have so much choices (certainly not getting that 968chf laptop).

The basic kid would not get an iphone but a modest model.

The basic kid would not smoke, or sneak the bus-
a simple modest bike would give her convenience with much lesser cost.

The basic kid would certainly not have a car!!! especially in Switzerland.

Etc...

But then i'm sure everyone will see her as a poor victim. I told you her life is over anyway, 18, so poorly right now!!!
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Old 04.07.2011, 14:36
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Re: Two out of five young Swiss to live with debt

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Another memory:

Me: Dad, can I have car?
Dad: Of course. You just need to buy it yourself.
Me:
You are damn lucky:

My memories are:

Me: Mom, can i have a car?
Mom: I have passed the gates of hell in order to give a higher education. So move that *** and buy one for you and one for me.
Me:
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Old 04.07.2011, 14:37
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Re: Two out of five young Swiss to live with debt

Quote:
It's got everything to do with budgeting, whether you live at Hotel Mama or have your own place.

You have a certain amount of money each month which, hopefully, you are familiar with. If you consistently overspend on luxuries then you obviously cannot work out a realistic budget.
What I'm trying to say, is that it is very easy to fall into debt at that stage, as they don't really have an income and since most kids still live at home, they seem to have the security of relying on their parents.

Quote:
Anyway, I thought the schoolkids when through some kind of budgeting preparation as part of the curriculum here?
They don't even have sport teams at school or are wheelchair accessible...what makes you think they'd have something really detrimental pertaining to basic survival.
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Old 04.07.2011, 14:40
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Re: Two out of five young Swiss to live with debt

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Anyway, I thought the schoolkids when through some kind of budgeting preparation as part of the curriculum here?
Not always. You may enter apprentisage from all possible schools here, so in order to ensure kids get the crash course on avoiding debts, you would have to have it as an obligatory part of curriculum, and on all schools. And that is a very rare thing, hard to implement. You can certainly get the info when you need it (it is available, the article mentioned the same institutions who campaign together with gov), the trouble is loads of kids do not realize they need the info or wouldn't tell.
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Old 04.07.2011, 14:50
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Re: Two out of five young Swiss to live with debt

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Not always. You may enter apprentisage from all possible schools here, so in order to ensure kids get the crash course on avoiding debts, you would have to have it as an obligatory part of curriculum, and on all schools. And that is a very rare thing, hard to implement. You can certainly get the info when you need it (it is available, the article mentioned the same institutions who campaign together with gov), the trouble is loads of kids do not realize they need the info or wouldn't tell.
My husband had some kind of budgeting / basic accounting woven into his school years, but maybe that was because he was at a "gymnasium" (grammar school) . As far as I can make out, though, the course seemed to centre on selecting brightly coloured ring-binders to organise your bills and statements. Maybe that's where they are going wrong...
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