Champagne Lifestyle, Lemonade Money

How many of us live a champagne lifestyle but have lemonade money in our bank account? 

How many of us use the champagne lifestyle to not deal with our lemonade money life?

Why is it that we want a champagne lifestyle when we clearly have lemonade money?

Why do we dream of champagne lifestyle when lemonade money is our reality?

Are those with a champagne lifestyle really and truly happy bunnies?

Are those with lemonade money really miserable?

Is there a happy medium?

Is there something missing when all we think about is a champagne lifestyle?

When my cleaner told me 20 years ago that I had a champagne lifestyle with lemonade money, I did not want to hear this because it was the Truth.

  • I was living way beyond my means.
  • I was bored, empty and unhappy.

So this was the plan –

  • Find a way to live like the champagne drinkers.
  • Hang out with other champagne drinkers.
  • Make sure I lied my way through life.
  • Find a solution to make this lifestyle possible.
  • Find a coping strategy and ‘look the part’.

Got it ALL – It was called Plastic cards and shop, shop and more shopping.

I could not stop and it would be fair to say I was addicted to shopping. I could keep up with the champagne lifestyle and lemonade money was ok as plastic was my new secret weapon. In fact, everyone I knew was using plastic except my cleaner who had a huge amount of common sense, that I did not like.

Champagne Lifestyle helped me deal with the void in my life. By that I mean, I felt very dis-connected from who I was, what I was really feeling or how to deal with my up and down moods.

  • Super up on shopping days.
  • High on champagne and fine dining.
  • Time off for expensive spas to forget about the problems.
  • Mega down when I saw the credit card bills.
  • Not happy using loans to pay off plastic.
  • Mood low when cards were maxed up.
  • Finding solutions became boring.
  • Facing lemonade money bank account was a feeling that never went away.

Yes – It was official – I had lost the plot. I had lost ALL common sense and was not willing to get a reality check.

Fast forward to today

Living a champagne lifestyle was not the Truth.

My choices were why I had lemonade money in my bank.

Living this way was to avoid the deep hurt I felt every day.

There was comfort in my uncomfortableness.

There was no willingness to address the irresponsible lifestyle.

Action Plan –

  • Get super simple.
  • Get back to basics.
  • Get practical.
  • Deal with the buried hurts.
  • Stop avoiding any issue.
  • Express how you feel.
  • Never hold back what you feel.
  • Keep feeling and expressing your Truth.
  • No more holding onto the past.
  • Learn from the mistakes.
  • Stop living in regret.
  • End all blame.
  • KNOW that there is another way.
  • Commit to Life.
  • Stay consistent.
  • Use your common sense.
  • Develop understanding.
  • Let go, Let go and keep letting go of anything and everything that no longer truly supports you.


The above works and after 8+ years of consistently living in this way, I can honestly say that there is another way and it sure is not a champagne or lemonade lifestyle.

Gone are those days of feeling empty, bloated and dis-connected.

In are the Glory days of making life simple and living in a way that inspires others and simply getting on with it in the KNOWING that we are all here to evolve.

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Comments 36

  1. I absolutely LOVE this blog. I use to be like as you described. We are fed pictures through the media amongst other things that we have to have the best of everything. I agree it does not work and all it does is make you more miserable. We live in a world where we are expected to dress fancy have the biggest house and the best looking car. How about we take that and look at how we can live a life full of LOVE rather than a life full of material things. For me it has made a difference. If we let go of the false beliefs of how we should be living and live the REAL US life would be alot simpler and the world would be a better place. Readers take note there is REAL TRUTH to this blog.

    1. Correct Priscilla – we are fed pictures through the media and these images are constantly there everywhere. Magazines, billboards, TV and social media to name a few. So how many do you know who are TRULY deeply content? What I have observed is how those with money want more and those with no money also want more money.
      The health service is talking about “lifestyle choices” having an effect on some of our illnesses and so this is something we need to address and take note of.
      I am living proof that plastic cards is a false way to live and it brings tension in our bodies so there is an unsettlement when we go to sleep as its there deep inside nagging, jittering and it never goes.
      Thanks for confirming to the world that this blog is REAL TRUTH. I agree.

    2. This is so true, Priscilla – we are surrounded with pictures and ideals of the perfect life. I would go as far as to say we are bombarded, but no one talks about it so we aren’t honest about the impact it has. A friend once went on a ‘magazine diet’ because she realised that reading fashion magazines left her feeling worthless about herself – her body, her size, her looks, her hair, her clothes. It’s the same thing with money if we let it be, and I for one can admit to comparison in this, especially if the other person has fancy clothes, children in private school and a beautiful house. The sense of hiding on the money front really jumps out of this blog. How many of us do this? Making choices we know we can’t afford but tell ourselves ‘it will work out somehow’, even though we have zero plan and zero responsibility in this. The practical steps above are super-powerful to read: know there is another way, get practical, go back to basics. Some serious lessons here for all of us, thank you.

      1. Correct Jenifer we are ‘bombarded’ as you say and because we keep quiet with our dis-honesty there is no change. Never heard of a magazine diet so thanks for sharing. It makes no sense if you think about it.
        Hiding on the money front as you say is how most of us live. There is something about money that tends to make people very uncomfortable.

        I like your words when you say ‘zero plan, zero responsibility’.
        That word RESPONSIBILITY is like a thread on this website weaving through the blogs.

  2. Yes, it is about responsibility. How can we have a fancy car and a big house, go on fancy vacations, but be in debt up to our eyeballs? It looks good but it is not taking true responsibility for our lives.

    1. There is zero Responsibility when we live as you describe here Ken Elmer. The thing is most live this way so it is the ACCEPTED normal. This un-natural way of living is putting stress on the body and it is having an effect on our true health and well-being. We choose to pay little attention to this and with the ease of getting credit cards most including myself in the past got the game by juggling, winging it every month and living way beyond our means. My super sensible way of living means it is easy to say No Thanks to the stores overtime they offer me this or that card. I am way past that and will never use plastic again to live a false life because that is exactly what it is.

  3. I can feel the discomfort when I read ‘There was comfort in my uncomfortableness.’ Living in comfort stops us feeling the uncomfortableness and reduces our awareness of this, then we don’t make any changes because we numb ourselves. It’s very interesting to investigate our lives in this way and see what comes up.

    1. Great Gill Randall that you can openly say that you actually felt ‘discomfort’ and that living in this comfortable way reduces our awareness and we stay numb to what is actually going on. It is a convenient way to live as on some level it suits us. Having comfort in any way means we truly do not want to commit to life in full. My understanding of that is that we want to have pockets in our life where we get relief – a sort of self medication. We hold back in our expression. We play nice or pander to others and all this can be comfortable even though on some level it is uncomfortable.
      A classic example is we need a holiday to self medicate as life gets too much and we seek relief. Of course there is comfort in food, entertainment, distractions and even keeping those images in our head. When things get tough we seek comfort with the images, the pictures we have about anything and everything and it keeps us going but in Truth it offers us nothing. Unless we are evolving then what is the point really?

      1. “Unless we are evolving, then what is the point really?” What a statement. What a question. How many of us are ready to accept and live that? It feels to me that this is exactly why people end up on this website – because they want to be ready; they want the truth. It is clear this site is all about responsibility. All about evolution. There will be no comfort or platitudes here. Evolution or nothing. Read and embrace, read and cringe, read and click away: either one – it’s not wavering in its message.

  4. I have never heard this phrase before now ‘Champagne Lifestyle, Lemonade Money’ but I have lived with debt, I have lived feeling better when out shopping and I have lived wanting what or how others live in the thinking that they have it made. Now heading towards my late fifties I have very little debt, I do not shop to make myself feel better and I am committing more and more to my life and valuing it beyond anything else. I live a simple life and yet I am the most content and satisfied that I have been. When I complicate things, because sometimes I can’t quite seem to stay with a simple loving life, things become messy, uncomfortable and responsibility seems to have disappeared out of my radar. From your blog I will be committing to letting go more and more of what does not serve me anymore and deepening my relationship with responsibility.

    1. You say Sally Green that this blog has got you willing to commit to deepening your relationship with Responsibility. This is huge and yet it can be quite simple.
      Our world is so geared to making things complicated and it just gets worse and we can play ball with it or start to live in a way that is basic and simple. Living consistently by expressing Truth in everything is what I would say is real Responsibility. We need to take into account how our choices affect others be it an email, text, what we eat for dinner or what time we go to bed. All this affects us and others and our planet whether we want to believe it or not, its just the Truth.

  5. This is an amazing read – firstly because it literally spells out exactly how the world thinks and lives, always wanting the next thing to fill them up and in this process also making it harder for it stop – because the next thing becomes brighter and glossier, bigger and better.
    And secondly it makes it very personal and for me really gives me a sense of all the decisions I have made around money. When I had none – some days growing up as a boy we had to eat salad cream sandwiches – for breakfast lunch and dinner – and yes it was just that – 2 slices of bread and salad cream. I knew we had no money on these days and the thing is it was miserable – because there wasn’t any joy on these days or the days when we had money.
    And so the seed is sown and the boy wants to earn money so he can spend it freely – no responsibility for what comes in goes straight out. Later in life I earned a reasonable amount of money and yet could never save and always had credit card debt too. Go figure – earning well and still spending beyond my means. But still no Joy?
    So what is amiss and what changes? Well learning very slowly and steadily to take responsibility not just for money – but all areas of my life. I am worth it absolutely and I no longer need to spend a fortune to give myself an upbeat moment.
    I can bring a lot of joy and fun in to my life by looking after me every single day. And thanks to this website, it’s author Bina Pattel, Serge Benhayon and Universal Medicine – my life has changed beyond words and it improves and becomes more amazing every day.

    1. Great big fat comment Lee – thank you. Salad cream sandwiches – not tried that one but gosh how our early days affect us in later life is an understatement.
      You mention about no joy and I get what you are saying having been there. I was filling up a void and I had the attitude I can because I can. That simply means I was arrogant and could spend because I can. I had plastic to support me and it was ONLY after I met Serge Benhayon that I started to take true Responsibility for my life and the choices I was making on a daily basis.
      So today I would say my life has joy and I no longer have the champagne lifestyle or lemonade money in my bank account. So could it be possible we are sold a way of living that guarantees no joy?
      My understanding is to live a life of true consistency is a life of true Responsibility. Gone are the days of shop till I drop and shopping just as a hobby to escape from my ugly life.
      In are the glory days of shopping for what is needed that will truly support me to evolve and if not, no thank you. Game over. I no play the plastic card game or any other buy this buy that stuff.

  6. I love the title of this blog Simple Living Global, its exactly how I used to live. Living a life far beyond my means meant that I had huge debts, bills not getting paid, direct debits not getting paid which meant I was then charged by the bank which compounded the debts, always worrying about money which all culminated in me having to do two jobs, one starting at 11am and finishing at 8pm and then starting at 9pm until 7am. Why did I get myself in this mess? Simply—irresponsibility. I wasn’t prepared to look at what I was earning and live my life according to my budget. I wanted ‘things’ that I couldn’t afford and more importantly, things I didn’t even need, like that new gadget that they tell us we cant do without, like that newer car because my ego wants it. I would rather eat take away food because I was too lazy or too tired to nurture myself properly. Plainly put, I had too much comfort in my life and there I was going to stay. Things started to change only after I started to attend the presentations of Serge Benhayon and Universal Medicine. He showed me there is another way to live and that way is to take responsibility for all of my choices, all day, every day. Whatever my circumstances, whatever life throws at me, I know that it is my choices that have created the situation I am in so if I know its my choices that have led me to where I am then I can make new choices to lead me to where I want to be.

    1. Great real life sharing here Tim and thank you for saying it as it is. This is a sad story and how many do we know who could relate to this. Working two jobs and having compounded debts because of a life of Irresponsibility as you say.
      Living our life according to our budget is not easy because the world is tempting us with plastic cards and interest free this and that to buy now and pay later.
      I know of paying off something way after I had gone off it and wasn’t even using it.

      Being sensible and aware that your choices got you in the mess and now your new choices can change that is taking RESPONSIBILITY. Most of the world is in a trap and even those who have the champagne money and never need to have a lemondade lifestyle have their own other issues. No point being envious, jealous or seeking their life. It is well worth working with what you have got, not what you want or what you don’t have. In that somewhere worth putting APPRECIATION in there.

  7. The title of this blog alone cuts through so much. The idea that it’s either champagne or lemonade – one is ‘good’ one is ‘bad’. I realise reading this how much stuff there is for me around money, and it feels a bit cringey because I know there’s a gap between where I’m at and what this blog shows is possible. The powerful thing about it, though, is it’s not a lecture, it’s an invitation, plus practical suggestions from someone who’s done it themselves. The biggest to-dos I’m taking away as I address my own stuff from here are: ‘keep it simple’ and ‘consistency’.

    1. Great Jenifer you got the cringe factor reading this blog. The title does cut through so much as you say and there are some very useful practical tips that are lived. There is not fluffy add ons to try and pump up the blog or try and get more people commenting. Far from it. Say it as it is and someone like you may just like it and apply it to their own life.
      Keep it Simple and Consistency are key to our evolution and living a life of true consistency is a life of RESPONSIBILITY. Can’t get better than that if you ask me.
      Think about it – this is SIMPLE LIVING and that just happens to be the name of this company and website.

  8. I have not heard of this phrase either but I know of a family member who lives this way. I used to recall feeling I was the ‘lemonade’ person and she was the ‘champagne’. There was no balance between us both. I had common sense but I was stuck in the lemonade and there was this feeling I was not worthy or deserved any more than that.

    It is only in the last couple of years I am breaking some of these beliefs I inherited and no doubt passed down from generations to generations.

    I’m changing this way of living by bringing a balance in all areas of my life. There is still a way to go but appreciate I made the decision and commitment to make these changes. Another great blog Simple Living Global.

  9. How many countries have a balanced budget or a economic system that is actually sustainable?
    The USA is about 15 trillion dollars in debt and it increases every year.

    I have lived in the USA for 65 years and have had my own business here. I have never understood how my government can still be operating and continue to operate being so far in debt. If I had a business that was continously increasing in debt, I would seriously consider doing something different.

    So whose problem is this?
    Most people would agree that the national debt is not ok. But the individual credit card dept is staggering too.

    I feel it is time to take responsibility for our own lives first. Living beyond your means is a dead end.
    If something is not working do something different.

    1. Great post, Ken. I have often wondered how countries’ bank balances seem to be irrelevant to their spending – technically insolvent and relying on debts not being called in.

      A taxi driver once told me the reason he is ‘good with money’ is because he got cash in his hands every day and that was it – that’s what he had to live on, no more no less. His idea was for everyone to be paid in cash when they started work so they could get used to money and respect it. Sounds like an effective approach for responsible living.

  10. Looking at the money statistics on it states ‘people in the UK owed 1.52 Trillion in personal debt at the end of January 17’… that’s 1.52 TRILLION.

    ‘Per adult in the UK it’s an average of £30,105 this is a staggering amount of debt’

    It is undeniably clear that spending does not fill the emptiness we feel …

    What is missing in our lives that we need to spend so much… be in so much debt?

    With this amount of debt going on for us what Simple Living Global is presenting in this blog is huge, could this be the way we can turn the tables on our immense debt situation and fill the emptiness from the inside out?

    By each one of us taking responsibility for all our choices.. for our lifestyle?

    The Action Plan listed above in this blog is a simple one which the author turned their life and finances around with, now that’s worth having a go… surely?

  11. 4th April 2017 – Daily Mail

    Credit card debt rising in England at highest rate for 11 years.

    3.3 million are quoted as having card debts that they can’t pay back.

    Some customers are paying £2.50 for every £1 that they repay.

    £20 million a day is spent on credit cards. (March 2017)

    Some lenders offering credit cards on little or no income.

    The Financial Conduct Authority are looking at ways to deal with the crisis including –

    Having fees waived or reduced.

    Banks blocking persistent debtors from over-spending.

    Having debt that we can’t repay creates a lot of anxiety and stress.

    From my own experience I know that I used to feel really low and demoralised when I could not pay back my debts. At one time all I could offer companies was £1.

    My irresponsible and wild spending lead me straight into the situation.

    However it was possible to repay the debts but it required a change of lifestyle – a change in priorities.

    Questions started to arise –

    Was spending £50 on a concert or a theatre show for 90 minutes necessary when I had debts that I could not repay?

    Could I start making my lunch and bringing it to work, rather than spending £10 a day buying food outside?

    Was paying into that pension fund really necessary, at that time, when I was struggling to eat?

    The decision to repay the debts only came about when I realised that I no longer wanted to keep living a life of misery going round and round in circles with no way out.

    Having read this blog, I can really relate and in particular this question stood out –
    ‘Why is it that we want a champagne lifestyle when we clearly have lemonade money?’

    I was living in this way, which I now call self-abusive, so that I did not have to take responsibility for caring for myself and address un-dealt with hurts. It was easier to spend than be honest with myself about how I was truly feeling.

    Deep inside I craved an inner rich life that was deeply honouring and respectful and I did not want to put in the work that would enable my life to be that way. I am certainly on the road to that now and any debts I now have are for essential items and I have very sensible repayment plans in place.

    1. When I was on welfare benefits, I was regularly offered an increase of amount to borrow on my credit card.. why is this an option when income is very low that spending is encouraged or offered?
      I didn’t accept it as I knew I wouldn’t reach my repayments if I used it, the spend amount I had on the card was enough of a worry.

  12. This money stuff is so big even for those who have the champagne bucks. I have recently seen people with big money have a fall and others with heaps of money live in such a way that is damaging their health – like living with ill health and no heating in a big house. Makes no sense to me but I do have an understanding that they came from extreme poverty, made money and simply choose to hold onto it. It seems like they have no real love and care for themselves or their body.

    Another observation was someone who we would call highly professional and earning big bucks, secure pension and plenty of champagne monthly disposable. They told me their life was spinning out of control and they are not able to cope with the RESPONSIBILITY of what having money brings. They feel exhausted and overwhelmed in every area of their life and cannot think clearly and make decisions. This has led to lots of complication and overspending, but they cannot recall where the money is going.

    So what I am saying is even some who have the champagne bucks may not be better off, as some of us like to think when we have lemonade money.

    All I know is I am not choosing to live irresponsible anymore and it works.
    Today I went to town and focussed. Got the two things needed and back on the train home.
    In the past, that would have been a day out on plastic with excess eating and shopping until I could not carry any more bags, whilst thinking when could I do it again.
    Thank God those shopping days with lemonade money are well and truly gone.

  13. I read today about a diamond-encrusted handbag by an exclusive brand recently fetching £293,000 at auction.

    And yesterday I saw a pair of cashmere slippers costing £900.

    And this with the backdrop of the UK election and discussion about the amount of money needed to pay even just for the basics – health care, pensions, security, education etc.

    £158 billion budgeted for pensions
    £142 billion on healthcare
    £86 billion on education
    £112 billion on welfare
    £52 billion in debt interest

    Borrowing £18 billion each and every year.

    How can we spend this much and it not be enough?

    How much waste must there be?

    It makes me think of how much money I have wasted over the years. Being frugal in places and then frittering money away elsewhere.

    I wonder how many others do the same. And how many of us live day to day as the UK does – beyond our means?

    I wonder how many of us could simplify everything and find a richness in that simplicity.

  14. In the business pages this week was a story about an ice-cream selling for £99. It’s called ‘Billionaire’s Soft Serve’.

    The ice-cream takes 4.5 hours to make and weighs as much as a whole tub.

    It is wrapped in 24 carat gold leaf and contains a host of extravagant ingredients including a rare type of chocolate, plus edible diamonds.

    Another opportunity to clock the supply and demand cycle – what is going on if we are being sold an ice-cream costing £100, that is considered to be worth spending half a working day making?

  15. A finance watchdog – the Bank for International Settlements – has discovered $14 trillion in global debt hidden via clever accounting using offshore structures, such as contracts called ‘swaps’ and ‘forwards’.

    The discovery, reported in the Telegraph, means the debt in the international system is double what they thought it was.

    And it matters. If inflation and exchange rates shift, this debt becomes a massive burden and could trigger a future funding/financial crisis.

    The BIS study says all this was hidden away in ‘footnotes’ of bank reports and the truth is that ‘contracts worth tens of trillions of dollars stand open and trillions change hands daily, yet one cannot find these amounts on balance sheets. This debt is, in effect, missing’.

    What is this showing us about the system?

    Why are these non-transparent choices made and by whom?

    Have we learnt anything from the credit crisis or do we go round the merry-go-round again?

  16. I read in the Metro (21 November) that we ‘fritter away’ £31,000 in our lifetimes – about £43 a month on things we don’t need or don’t think twice about.

    This gave me pause for thought about my own spending and on where I’m spending money without really valuing that.

    I am taking a closer look at this.

  17. We live in such a wasteful society. We buy things we do not need or we think we need.

    I knew of someone a few years ago that got themselves into so much debt because of their champagne lifestyle, they decided to make themselves Bankrupt because they did not want to deal with their debt (their words).

    I live within my means now, though a few years back I did not. I would go on shopping trips to make myself feel better if I was having a bad week.

    I just love the action plan tips in this blog!

  18. Thank you for this outstanding blog.

    The action plan in this blog is absolute spellbinding wisdom and Truth. Responsibility, financial and otherwise and every which way, is so desperately needed in this world and virtually every person on the planet should read this blog.
    It should be taught in schools.

    I have printed it off and will read it everyday.

  19. I used to live a Champagne Lifestyle with Lemonade Money.

    When I look at it now I was in an enormous amount of emotional pain and so each hit to spend was coming from the pain and me wanting to take my focus away from it.

    I wasn’t aware of this fully at the time, but after a while I could see that I was completely addicted. It has taken a lot of work to respect myself and my finances so that I no longer spend in this way.

    Firstly I had to get honest with myself in terms of the mess both my life and finances were in.

    Then came a strong sense of not wanting to continue living my life in that way and then came the commitment to repay the debts.

    I have sought support from others throughout this time and it has helped me make choices as to how to spend and what my priorities are. There is more to address, but what I am really appreciating today is that I have money in the bank and have no desire to disrespect or disregard it, or myself, in any way and spend wildly.

    What I have come to realise is that our relationship with money is no different to our relationship with ourselves and so if we are disrespecting ourselves, it is likely to show up in how we are with money.

    Today I feel content as I have everything that I need and anything else that I need to do the work I am here to do on Earth will be provided, as I keep taking responsibility for my life and making sensible choices.

  20. The Week – Issue 1148
    28 October 2017

    The UK Treasury have proposed to give people in serious debt “six week grace period” to get their finances back on track.
    Jane Goodland of Old Mutual Wealth notes – it is merely a sticking plaster.

    £203 billion amount of unsecured debts on credit cards, car finance and other loans.

    14 million is the number of people just “surviving” financially.

    6.5 million UK adults with no cash savings at all.

    3.1 million people have taken out one or more payday or doorstep loans this year.

    So as the title of this article says – Are we Dicing with Debt?

    Would it be true to say that perhaps some of these quoted in the statistics are living a Champagne Lifestyle but with a Lemonade Budget?

    I can only speak from lived experience and the thought of clearing a debt, only to find there is something else out there tempting you and then you are back to square one, went on for decades.

    I realise many people live like this and at the time I thought I was the odd one and there was a lot of embarrassment and shame, if I am being honest. Looking back and reflecting on it now, it was ridiculous and utterly irresponsible in every way. It is a game and a trap and we all need to get out of it once and for all, if you ask me.

    Today I can say I am not paying a loan or credit card off and it feels great. It is realistic now to not spend, when it is not needed and the best thing is I simply am not interested.

    I put that down to personal choices. I no longer have a desire to want anything unless it has purpose and meaning for me. That does not mean I go without, but I like having less and using less and being more content means there is just no drive to buy and spend like before.

    I feel I have a grand Responsibility to reflect to others what is possible and not get caught on the wheel of debt, which is difficult to get out of.

    I also am not hooked into expensive stuff as if it holds more quality because I know it does not.

    Supermarket clothes for me sometimes look just as amazing as the high street, so that says it all really.

    We have become a nation that can access anything we want, so we demand and the credit card and loan companies supply. They charge whatever rate they want and we pay and then we judge them for doing so. But what if we stopped the demand, like I have done?

    What happened to good old fashioned, save the money then buy it?

    How about a new way of asking, is it really needed and what is the intention before purchasing something?

    Could there be another way?

  21. A letter from my bank this January offering me a loan so I can ‘take full advantage of the new year’.

    What system are we in that encourages you to take on debt?

    And uses ‘you can have whatever you want and have it now – why wait?’ and ‘you deserve it’ marketing to hook us in?

    Wasn’t the original purpose of a bank to help us look after our money, not encourage us to spend it?

    What is the role of our banks in today’s society and in the future?

  22. Daily Mail – 12th August 2017

    An article in the Mail speaks of how banks have now become embroiled in the row over reckless car loans, after some mass mailed customers long term monthly loans to buy new cars.

    Some letters were said to be offering loans without a credit check.

    People’s bank account balances plus their income and expenditure were said to be assessed, without their knowledge, to see which model they could buy.

    Undercover reporters found car dealers who were offering long term finance to those who said they were unemployed, working part-time or on low incomes.

    Could we agree this is the height of irresponsibility.

    Irresponsible spending and lending can actually lead someone to lose their home and so lose an essential basic of human life.

    It is not about the now gratifications, but one act of irresponsible spending or lending can lead to another and another and another. This can be an addiction that has dire consequences.

    In 2016, British households borrowed £13.6 billion to buy cars.

    Why is this going on?

    We could keep pointing the finger at the lenders, BUT if there was no market of irresponsible borrowers, the banks would not have anyone to lend these reckless loans to – full stop – and that would be the end of that.

    If we care enough and want to see true change we can only start with ourselves in looking at whether we are living with excess and if so why?

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