Category Archives: debt

Coping With The Recession- How To Make More Money

As I mentioned many times previously, I’m poor as fuck. Being poor is a nightmare- all of your stuff is old and shit, and when people invite you places, you have to say, ‘I can’t because I’m poor’. This is usually a conversation killer.

However, everyone appears to be in the same boat at the minute because of the bastard economy. My computer knows I’m poor (probably because I type things like, ‘Aldi Online Shopping’ and ‘How To Make A Washing Machine Out Of Old Bric-A-Brac’ into Google) and keeps giving me advertised suggestions that are relevant to my situation. The other day, up flashed an advertisement saying, ‘This man made $15million from the recession! Find out what he’s investing in next at www.capitalistwankers.com! with a picture of his smug bastard face beside it. I wouldn’t like to know what he is investing in next because I have morals, but I would like to know his home address so that I can visit him, bash his testicles in with a baseball bat, hold him down while the entire population of African farmers shit on his face, and then take back our money, livelihood and future. Dickhead.

But my advice is to always be positive. And this means trying to find ways to cope with the recession. This subject is likely to be continued with follow-up posts as I have infinite ways to be thrifty and save cash, having spent £23,000 on travelling during the last 3 years while juggling the act of not having a pot to piss in. But here’s a few to keep you going for now:

Become an Entrepreneur

Even though the recession was in full swing in 2011, the amount of new businesses grew 10% from the previous year. Join these entrepreneurs by becoming your own boss, too. Not sure what to do? It’s easy- identify your talents and sell your skills. For example, if you have lots of children, force them to form a band and start shopping them around as the next Jackson 5. Always making up shit racist/sexist jokes and texting them to your mates while also having the ability to grow quirky facial hair? Become Rufus Hound. Gymnastic experience? Become a burglar in banks from films that have lasers to protect their displays. Someone once told you that your Facebook posts were moderately humorous? Start a blog where you write tidbits of gossip and instructional articles about things you know nothing about, under an arsy name that doesn’t even make sense.

Reclaim

If you ever had a loan or credit card, you may have been missold PPI (Payment Protection Insurance), and you could be entitled to reclaim that money. However, don’t bother printing out a simple letter template (here) and sending it off for the cost of a stamp. Instead, ring 0800WeScrewYou or 0845CallousBastards, or log on to www.PreyingOnOldPeople.com to give them half of your money just for sending that same letter themselves. The best bit is, the cunts charge you in advance to claim, which means you’ll be able to pay back most of the unauthorised overdraft charges they caused with your cut of your reclaimed funds.

Stop Paying Your Tax

Refuse to pay income tax. If HMRC get in touch, promptly point out that Vodafone, Amazon and Arcadia don’t pay their tax so you won’t either. I’m sure that will work out great.

Steal

Stealing stuff is arguably the easiest way to obtain things without having to pay for them, and chances are, if you work for a huge multi-national, you’re stealing from people every day anyway. To ease your guilty conscience, tell yourself that you’re a modern day Robin Hood or one of the youths involved in the London Riots of 2011 who is just frustrated by your stolen future, innit. Then head straight down to the Apple shop and steal a fucking great big Mac for yourself because stuff equals happiness.

Hook

Hooking, known as the world’s oldest profession, has always been an easy way to earn some cash but having a pimp is costly and soon, that greasy £20 note that your John has wiped his nose on will be eaten up by admin fees. Therefore, be your own pimp by getting yourself hooked on drugs, smacking yourself upside the head and shouting ‘Pipe down, bitch!’ and rocking a green snakeskin suit every time you be up in the club, homes. Hey presto- no pimp fees and more money for heroin and crack.

Alternatively, if you don’t want to hook in the traditional sense because the touch of a dirty old man makes you want to cut your skin off, then cut out the middleman (literally) by sawing off one of your hands, sticking a large hook on the end of your bleeding nub, dress up like a pirate and walk around Asda shouting, ‘Arrrr, matey!‘ at little children until a store representative pays you to stay the fuck away. Kerching.

Well, that’s all for today folks, I hope I’ve given you a few ways to save some cash and cope during the recession. I’m off to the hospital to get my nub treated for gangrene. And incase your wondering, I didn’t hook. I sawed my hand off off, fashioned the middle finger into an ‘Up Yours’ and sent to it Rufus Hound for being an absolute prick.

Fuck you, Rufus Hound.

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Prick of the Week: The Job Market

This won’t come as a shock to many of you, but the current job market is, to say the least, a tad depressing.

Sadly, the days of enthusiastically applying for a job, getting invited to a civilised interview, being offered the job and then climbing the career ladder are long gone. However, if you like zany questioning techniques, arsy interviewers, depressing jobs, smooching sphincter and minimum wage, you are likely to be loving life.

Even when sourcing jobs, the only companies with lots of vacancies are the organisational equivalent to the kid in school who picked their nose and ate it, and then had their parents up to the Principal every five minutes to ask why they had no friends, i.e. a total prick.

Prickish companies are currently the ones hassling old women into reclaiming mis-sold PPI (which you can do, in exchange for your soul, for minimum wage- Apply today! Free noose with every application!), payday loan suppliers (‘Drug dealer about to kick your door down and scalp your arse dry unless you can reimburse him for that cocaine? Apply today, and use discount code ‘Force25’ for 25% the level of force we will use to beat you to a pulp when you default on the repayments- which you will!’), debt collection agencies (‘Debts piling up with no way out? Well then, we’ll take your other stuff instead, and break your legs for the inconvenience of illiquidity. Cheerio.’) and the fast food industry (any company that makes people wear a novelty hat as part of their uniform deserves to go bust).

And these are the sort of jobs that people are considered lucky to be offered. But that’s after a series of rigorous and demeaning interviews filled with nonsensical processes, such as competency based questions, like, ‘Tell me about a time when you went above and beyond the call of duty in your previous role’ (Honest answer: Never, I am a mediocre employee. Interview Answer: I delivered my heavily pregnant boss’s child while still achieving my sales targets and saving everyone in the office from a fire, which isn’t true, but the reference I supplied you for my boss is actually going to be my drunk friend putting on her very best office voice, and she’ll verify my story).

Sadly, competency based questions are the best of a bad bunch. You might have to endure the embarrassment of a role play scenario in which the interviewer does an impression of a disgruntled client on the phone, to which you have to react to as if you worked there (Honest answer: I usually blame a co-worker and then cry, pretending my dog died that morning. Interview Answer: I’d sort it out efficiently, because repeat business and word-of-mouth is a cost-effective way to achieve growth, blah blah). I bet when you did the role play you made a fake phone shape with your right hand, you berk.

And what if, after all this shite, you get the bloody job and you have to actually start harassing people to sue their employer for a work-related injury as they could be entitled to compensation? That’s where the real fun begins; hoping a bus hits you on your way to work, praying a distant relative dies just so you can have a few hours off to pretend to go to their funeral, weeping on Sunday nights, developing a drinking problem and resenting your dependants for inadvertently making you arse-lick corporate scumbags. Bastards.

So this is why I’m nominating the current job market for Prick of the Week– it’s making lots of people miserable, stressed and unhappy, and until the economy recovers, it isn’t likely to change. But you can. Next time you hate your job, or you’re fucking sick to the back teeth of combing through depressing job vacancies, take it out on someone who caused this by sending a turd in a box to any major banking institution, get your granny to beat a politician with her handbag (old women never get arrested), or compensate yourself with a pay rise by stealing from your employer.

Job market- You are a prick.

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How To Earn More Money And Get Out Of Debt

We are a nation in debt. I don’t know about you, but I find it hard to cut down on the things I like for the purpose of saving money, because I’m a greedy, materialistic non-entity whose ‘stuff’ defines my existence. Only joking…

Wonderful human being, Martin Lewis has long been flying the flag for Joe Public, in the fight against corporate crime, greed and the age of consumer manipulation. His goal in life is to get us all out of debt and back to a simpler time when money market instruments weren’t designed to extort money from confused individuals, stealing the livelihood of African farmers was not an ‘investment opportunity’ and when buying a house meant you weren’t paying it it off until retirement the sweet release of death. He is a great man.

But unfortunately, his tips to get us saving money and out of debt are all a bit grim. Do I really want to stop buying the same Primark top over and over again? No I don’t, Martin Lewis, because confidence can be bought! Do I really want to cut down on my grocery shopping? No I don’t, Martin Lewis, for I like eating until I vomit! Do I really want to ring the bank to reclaim the PPI they fraudulently added to my loan? No I don’t Martin Lewis, because I can’t be arsed and Geordie Shore is on!

What we need is to be enthusiastic about saving money and getting out of debt- to make the art of frugality a bit more amusing, sociable and fun.

So here are my own non-boring tips to make some extra money and get yourself out of debt:

1. Commit credit card fraud

If you can’t afford to spend on your own credit cards, applying for them fraudulently in someone’s else name not only stimulates our economy, but saves you a fortune. Step one- Open an Excel spreadsheet and title it ‘People I’m Robbing’. Step Two- Rummage through the same bins for months, gathering important and private information about the owner. Step Three- Once enough information has been gathered, apply online like the cowardly thief you are for all sorts of finance. Step Four- Go on a spending spree with your stolen money. Step Five- Get caught. Step Six- Get a friend to cement your arse-crack for your stint in prison.

2. Fake your own death

And say goodbye to debt repayments forever. In addition to being a hilarious prank to play on loved ones, faking your own death cuts down a lot of other everyday expenses too- such as phone bills (because you’ll be dead) and rent (because you’ll be dead). Prior to faking your own death, pick a hereditary illness to later die of, so that your siblings will be shitting themselves and lying awake at night, waiting for the grim reaper- titter! Entertain yourself at your funeral by rolling out of the coffin when someone accidentally gets too close in grief, making your family hoist your lifeless body back in whilst weeping with horror. Then use your coffin as a raft to sail the whole way to Panama. Hello, new life in the sun!

3. Steal from friends and family

If you choose not to fake your own death as you’d miss your loved ones too much, then why not steal from them instead? Stealing from friends and family is an easy and effective way to up your income, mostly because they trust you enough to let you into their homes where you can spend all day deciding what to pawn to Cash Converters in exchange for material items that are more important than your relationships. Heads up: sentimental value means nothing in Cash Converters, so if you’re going to say, steal your Grandmother’s locket, remember to throw out the picture of her with her beloved deceased dog, Tricksy, first.

4. Start playing slot machines

Gambling via slot machines, is a low-risk, high-return way to nurse your pockets back to financial health. And you don’t even need any money to get started. Simply enter any depressing pub, and take your start-up capital right out of the charity box. The children of Africa don’t mind- you need it more than them. Then spend every waking hour of the rest of your life playing Poker with a teletext-style computer. Insider secret: ploughing your meagre winnings back into the machine is a brilliant idea as this maximises your chances of winning even more money. You’ll be rich on your next go, I can feel it.

5. Sell a baby

Self explanatory really. Sell a baby.

6. Become clinically depressed

Being depressed to the extent you cannot get out of bed in the morning is an excellent way to avoid the shops and save some cash. In addition, because you aren’t paying money off your mountain of bills, you’ll be too depressed to answer the door to the balliffs who have come round to kick your fuck in and take your plasma screen. Bingo!

7. Blackmail someone

Besides being an excellent money-maker, blackmail has endless benefits- it helps to develop your interpersonal skills, you can hone your arts and crafts skills by making ransom notes, and you might even make a few friends in the process! Simply stalk someone until you uncover a dirty secret, and then threaten to tout on them. Remember, the art of blackmail is like dancing, you move and your partner reacts for as long as you choose to keep it up. Blackmail- like Zumba, but for cunts.

8. Participate in clinical trials

Clinical trials have long been an effective way for the emotionally damaged to earn some extra money, but us ‘normals’ have never really subscribed because we prefer to have all of our fingers intact, rather than obtain the money to buy a big bag of crack. But, in all honesty, do we really need all those fingers? I, for one, would be glad to cut down the time I take to manicure my nails.

9. Create your own spam e-mail

May I suggest, ‘Greeting frend. I am writing not for donation, but seeking companionship in time difficult to me. You see, my father, Prince Henrik the Second of Pretchovakia, is ill and soon to die. I am heir to throne and estate- you see, I need not the donation and am how your people say ‘heavy of pocket’. I seek lady frendship to talk and have the elbow to cry on. In my country, men talk not of feeling but I am twentyeth century male for new millenium and wish to meet lady to walk long on beach, listen to the Michael Buble and govern nation like Princess. I even pay air travel costs. All I ask is pleasure of getting to know you, such as name, first line of address, postcode, mother’s maiden name, first pet’s name, bank account number, sort code and characters 1 and 5 of your secret answer. Please enclose these details as reply so we can get to know each other. Many hug and more, Steve Henrik the Third’.

Obviously, you can write whatever you want, just made sure you ask the recipient for their private information in a conspicuous and savvy way, as above.

10. Prostitution

Prostitution is an excellent second job. Not only is it a tax-efficient way to make some extra cash, but you can also save on petrol by getting your ‘John’ to drop you off at your next destination, be it your pimp’s hovel, neighbourhood meth clinic or local shop that sells feather boas, ripped tights and other prostitute attire.

So there you have it, folks- ten ways in which you can finally get yourself out of debt and back to the good life. Anyways, I have to cut this one short, the internet is really expensive in Panama and my pimp keeps tapping his watch.

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