My Forum

Stu - I love the way you talk about the economy as a living entity, with thoughts and desires.

Plenty of us consume plenty of goods without resorting to debt, and as I said above if people weren't in debt and freed up their interest payments each month to spend then they probably would spend them on consumer items, thus there would still be plenty of money being spent.  Thus even without debt there would still be plenty of consumption.

Surely we have just been through a period of no growth (in fact, negative growth) with the recession and we are coming out of it again into a period of small growth - the economic cycle of recession and periods of growth has happened over and over, all over the globe forever!

What about the losses made from the overindebted defaulting on debt?  This is a factor taken into consideration in all lending institutions, so debt itself isn't seen as a great thing by "the economy".

STU - wrote (see)

 KK - I agree with with you 100% but feel that is what the country is actually doing and the economy demands we get more indebted

What nonsense - how does the economy demand that we get more indebted?  I haven't noticed anything demanding we take on any debt at all, unless you are considering the indebtedness of the nation in its national finances, where we are still increasing our national debt.

If everyone lived within their means and those who didn't weren't servicing debt there would be more disposable income freed up for people to spend as they wished, so the economy wouldn't go belly up!  

I used to work with the over-indebted and the excuses that they always made were "They offered me the card so I had to take it" or "They put my credit limit up".  So what?  If you can't afford it, don't spend it - simple!  Plenty of us have credit thrown at us from all angles and are able to say no thank you - it's not rocket science!

I had problems being referred to an NHS physio for a knee injury and eventually had to go private (at huge cost) having saved up the money to do so.  As a result of the wait my rehab was compromised.  Unfortunately resources are limited and physio, particularly physio for sports injuries, is way down the list of priorities in the NHS.

Not really what you want to hear, but it is the way it is.  Have you considered seeking out any students in your area?  Look at local colleges or universities for people learning physio or sports departments - you can get supervised treatments for far less money than you'd pay a fully qualified practitioner.  It's also possible that a qualified practitioner might need to do a case study for CPD hours, and you might be able to pay a reduced rate in order to be a subject for that.  It's always worth asking for a discount anyway, in my experience most people can work something out (particularly if you can attend during non peak hours).

Whereabouts are you based?  Maybe people on here can suggest suitable (cheaper) options for you!