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General => General discussion => Topic started by: Jay on 20 September 2011, 21:22
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I just did for the first time in ages because I'm running lower than normal this month because I didn't get my full salary last month and still have a few bills coming out, no wonder my f@cking bank is low :angry: Seems she's forgot about the small fortune in her account and been rinsing mine! :shocked: :angry:
She says "oh but I transferred you £100 the other day..."
Yeah, that was for the weekly shopping that came back out the next day! Cheeky cow!
Do yourselves a favour and check their accounts if they have access to yours!
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Not being funny or anything at all, I'm not married but both my married sister and brother just have joint and business accounts?
They don't like have different money they juts share it all. :huh:
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Not being funny or anything at all, I'm not married but both my married sister and brother just have joint and business accounts?
They don't like have different money they juts share it all. :huh:
Your married sister and brother... well that explains alot :lipsrsealed:
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Not being funny or anything at all, I'm not married but both my married sister and brother just have joint and business accounts?
They don't like have different money they juts share it all. :huh:
Your married sister and brother... well that explains alot :lipsrsealed:
:grin: :grin:
personally when im older and maried ect ill only get a joint account which half of my money goes into and half of the other halfs goes into and that will be for bills, shopping, days out ect ect ect. and have my own bank account with the rest of my wage to spend on me, maybe her if its an important occasion. :)
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Not being funny or anything at all, I'm not married but both my married sister and brother just have joint and business accounts?
They don't like have different money they juts share it all. :huh:
Your married sister and brother... well that explains alot :lipsrsealed:
:laugh:
Um.... sore subject for me to. I find having separate accounts and a joint just for the bills helps manage things..
Bellend, don't follow in your family's footsteps, should a relationship go sour, you really don't want to be worrying about the safety of your cash!
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All comes down to trust and how you have your payments for bills etc sorted. Split everything 50/50 I say!
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Not being funny or anything at all, I'm not married but both my married sister and brother just have joint and business accounts?
They don't like have different money they juts share it all. :huh:
Your married sister and brother... well that explains alot :lipsrsealed:
:grin:
Fair points to all the above.
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Dont, whatever you do, try giving them advice on how to manage their money, especially credit/store cards :lipsrsealed:
They fail to see that witholding £1000 in savings whilst having £1000 outstanding on their credit card (an no other way of repaying it) is a bad idea :laugh:
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:grin: @ Sam
We used to have a joint account, had a silly over draft which we kept going into, we also had our own bank accounts from before we were married/lived together so closed the joint one, paid off the over draft in full and carried on using our old ones that had no over draft at all in order to help get control of our finances again because we were spending more than we were taking in each month.
Having 2 seperate accounts also help us manage our money easier, I find. One of the directors at our company has 3 accounts, 1 for fuel & car related bills (Alfa owner), 1 for other bills, 1 for food. He gave me the idea of doing this and it works well for us. Or so I thought, might have to stop giving her so much of my money :laugh: Not a bad balance for an stay at home mum :rolleyes:
Chris, I told her to get rid of the store cards and even had to cut them up because she couldn't bring herself to do it when we first started sorting our sh!t out :laugh:
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I dont look at the wifes account cos its none of my business, another reason I dont look is she takes home 4-5k a month more than I do so I dont want to be left in tears.
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Dont, whatever you do, try giving them advice on how to manage their money, especially credit/store cards :lipsrsealed:
They fail to see that witholding £1000 in savings whilst having £1000 outstanding on their credit card (an no other way of repaying it) is a bad idea :laugh:
OMG you've met my missus! :grin:
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I dont look at the wifes account cos its none of my business, another reason I dont look is she takes home 4-5k a month more than I do so I dont want to be left in tears.
My god! Why do u own a mk3 when your missus is taking home that much money!!?? :huh:
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I dont touch her money, I earn my own
Ive also got a jap import Sti and a 328 coupe
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Hmm. This is the downfall of many a relationship. Money.
Now, if you are just living together (not married) then you have two options.
1. Equality
2. Proportionality
1. Regardless of salary you split all household bills 50/50. A sound argument seeing as you both live there. However this may breed resentment if one of you is one a far higher wage/salary that the other. This may lead to "its not fair" arguments, When one of you has very little fun money at the end of the month.
2. On the basis of your annual take home wage/salary you then split the bills into an fair ratio. This may be the more fair option as you will both be left with fun money, and be seen to be contributing your "fair share".
If you are married/single but jointly paying a mortgage, then other legal (on divorce/separating) considerations need to be considered with the above.
i.e if a partner is not directly contributing to mortgage payments, their other payments ( food, bills, maintenance etc.. ) will be taken into consideration on the division of assets (the house) when you split up. Yes, now cohabiting partners have rights to your property on separation. Don't need to be married.
Jonathan.
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We work It
Wife pays the mortgage and the Health insurence
I pay bills-food-car-holidays-nice extras
works well for us and have never argued about money or much else actually..married 6 years
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That's sound advice there Jonathan, for those that have other halfs that work :grin:
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We work It
Wife pays the mortgage and the Health insurence
I pay bills-food-car-holidays-nice extras
works well for us and have never argued about money or much else actually..married 6 years
Other way around for us, but she's in VERY part time employment (i.e. around £400 a month) and I earn... lets just say below national average... and I have to pay ALL bills (inc mortgage) and she only has food to worry about.
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Thats not a bad shout elvi, the proportionality thing. I am going to try it!
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Thats not a bad shout elvi, the proportionality thing. I am going to try it!
Its the best way to keep both parties happy.
Regardless of the actual amount being paid out by both of you for bills, you are both paying the same, in proportion to the money you each earn. No arguments.
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No never as it's not my business to! I bloody should though my OH is astonishingly bad with money and completely untrustworthy with it :angry:
I would NEVER have a fully joint bank account with him, my money is MY money, he'd probably go and waste it all on stupid crap he doesn't need nor can afford!
I would consider a joint account for the bills and each pay in X amount, keep rest for ourselves.
Anyway it's all a moot point now he's redundant from end of this month, I'll have to somehow pay for everything including his debts that weren't my choice and that I've already paid off once for him :rolleyes:
He's lucky I can be patient and forgiving.
I dont look at the wifes account cos its none of my business, another reason I dont look is she takes home 4-5k a month more than I do so I dont want to be left in tears.
If I earned that much my bloke would be my full time kitchen b!tch and no mistake.
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Me and the mrs both put an equal amount into a joint account each month to cover mortgage bills etc... and the rest stays in our own accounts to do with as we please. That however, does not mean that when we go out to eat etc... we take it in turns to pay, it generally is all up to me! :lipsrsealed:
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I would never have a joint, but that's just my opinion, some people love it, some hate it. I use to be a bit crazy with spending, but since having a daughter and buying a house I cleared any debt possible. Both me and my partner have separate accounts, we see each others in-comings and outgoings and it bothers neither off us, however I did let her work 1 day less a week since having our first born, wish I could do the same.
I really need to progress somehow into a real career and start earning real money... or at least I can dream :grin: :grin: :grin:
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Had a joint account for 6 years with my partner everything is joint seems normal to us & were not even married, seems very weird for married people to have seperate accounts unless you have something to hide :grin:
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I dont look at the wifes account cos its none of my business, another reason I dont look is she takes home 4-5k a month more than I do so I dont want to be left in tears.
If I earned that much my bloke would be my full time kitchen b!tch and no mistake.
:grin: :grin: :grin:
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Me and the mrs both put an equal amount into a joint account each month to cover mortgage bills etc... and the rest stays in our own accounts to do with as we please
I do the above :smiley:
In 7 years we've never argued about money :smiley:
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We've had a single joint account since we purchased our first house back in 1995, both salaries are paid into the account. Still do too. Luckily we're both pretty sensible spenders and trust each, over the years we've also had very similar salaries too which I think helps massively in viewing things 50/50.
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Dont have a bank account, we only deal in cash :lipsrsealed:
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Dont have a bank account, we only deal in cash :lipsrsealed:
Either very dodgy or very old fashioned :grin:
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Dont have a bank account, we only deal in cash :lipsrsealed:
Either very dodgy or very old fashioned :grin:
jst in a trade mate where people pay cash, not dodgey, not old fashioned
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Dont have a bank account, we only deal in cash :lipsrsealed:
Either very dodgy or very old fashioned :grin:
jst in a trade mate where people pay cash, not dodgey, not old fashioned
drugs trade :grin: i dont know any business that uses cash anymore, and yes very old fashioned cash wont be around for ever lol
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Dont have a bank account, we only deal in cash :lipsrsealed:
Either very dodgy or very old fashioned :grin:
jst in a trade mate where people pay cash, not dodgey, not old fashioned
Mobile hair dresser?
Hope you give your share to the taxman :lol:
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Dont have a bank account, we only deal in cash :lipsrsealed:
Either very dodgy or very old fashioned :grin:
jst in a trade mate where people pay cash, not dodgey, not old fashioned
drugs trade :grin: i dont know any business that uses cash anymore, and yes very old fashioned cash wont be around for ever lol
if it was the drug trade i wouldnt be rocking around in a mk3 lol, do you really want to know what i deal, its all about supply and demand, and the police are my main customers :wink:
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I own a sandwich shop lol based next door to West yorkshire police training centre and its where there armed police and helicopter is based.
they are 50/60% of my trade lol, im like a drug dealer when im trying to tempt them to the cream cakes
My accounted is very good at his job :wink:
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I own a sandwich shop lol based next door to West yorkshire police training centre and its where there armed police and helicopter is based.
they are 50/60% of my trade lol, im like a drug dealer when im trying to tempt them to the cream cakes
My accounted is very good at his job :wink:
:grin: :grin:
Still weird having a business but no bank account !
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even the mobile mechanic I use has a portable card reader :laugh:
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we pay cash to all our suppliers we do have a business account but its only for electric, gas, and other bills, no personnal accounts
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even the mobile mechanic I use has a portable card reader :laugh:
cos some people have more money than sense :lipsrsealed:
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even the mobile mechanic I use has a portable card reader :laugh:
cos some people have more money than sense :lipsrsealed:
Makes loads of sense nowadays i think, ok costs a little to have the machine but people just dont want to pay in cash nowadays or just don't have time to go & get cash out.
I very rarely carry cash, usually only time i do is when we are on a night out.
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even the mobile mechanic I use has a portable card reader :laugh:
cos some people have more money than sense :lipsrsealed:
Makes loads of sense nowadays i think, ok costs a little to have the machine but people just dont want to pay in cash nowadays or just don't have time to go & get cash out.
I very rarely carry cash, usually only time i do is when we are on a night out.
Thats bull mate, never once been asked if we take cards, been open 2 1/2 years, id say 99.9% of people always have £2/£3 in there pocket, Plus most work men always carry cash, All the catering work i do is paid cash and peole dont have a problem with it
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Really? I hate cash, I avoid it as much as possible with. 99.9 percent off my transactions all being digital.
Hate carrying notes and even more so coins.
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Really? I hate cash, I avoid it as much as possible with. 99.9 percent off my transactions all being digital.
Hate carrying notes and even more so coins.
I agree 100% i dont even take cash when i got to my local pub, just run a tab till it's worth paying then pay it by card. I do live in the countryside though so no cash machine's
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so you never have £3 in your pocket, if you came my shop and wanted put £2 on your card i would just say "give your head shake"
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so you never have £3 in your pocket, if you came my shop and wanted put £2 on your card i would just say "give your head shake"
No never have any cash in my pocket lol If i hadn't made my own lunch as usual, i'd go somewhere that takes cards :grin:
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so you never have £3 in your pocket, if you came my shop and wanted put £2 on your card i would just say "give your head shake"
No never have any cash in my pocket lol If i hadn't made my own lunch as usual, i'd go somewhere that takes cards :grin:
+1 I'd go subway and get a £2 breakfast and coffee as they take cards :grin:
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lool no but just saw her emails! im goin to chelsea FC to see everton for my birthday! and to bath on the 29th for aa rave!!!!!!!!!
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so you never have £3 in your pocket, if you came my shop and wanted put £2 on your card i would just say "give your head shake"
We take card at the fish and chip shop for any amount, it encourages people to come back rather than go else where.
Even if its a small amount, more often next time it will be a big amount. Its good business.
You would be really surprised how many people want to pay with card.
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In answer to the original question, myself and my wife have a joint account. We do have our own accounts, but all the money goes in the joint.
We both have access.
My wife is studying at the moment, so i'm paying in the vast majority of the money.
She still spends my money like its her own, so when she earns money i expect to do the same.
Its what a partnership is all about.
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so you never have £3 in your pocket, if you came my shop and wanted put £2 on your card i would just say "give your head shake"
We take card at the fish and chip shop for any amount, it encourages people to come back rather than go else where.
Even if its a small amount, more often next time it will be a big amount. Its good business.
You would be really surprised how many people want to pay with card.
its ok I will stick to cash, We have been really lucky with this so called resession and have people Q'ing out the door 6 days a week, really dont think having a card reader would benefit us
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Where are you in the country?
People in surrey wouldn't put up with cash only :grin:
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Oop norf like, they're a bit behind the times :grin: Give em 10-20 decades to catch up :wink:
How much do the card readers cost to run? Can't be that much if a poor mobile mechanic can run one? :undecided:
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Up until a couple of months ago I hadn't been to a csah point in 5 yrs.... cash is king :cool:
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Oop norf like, they're a bit behind the times :grin: Give em 10-20 decades to catch up :wink:
How much do the card readers cost to run? Can't be that much if a poor mobile mechanic can run one? :undecided:
the one at my old work was costing £25 a month
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Oop norf like, they're a bit behind the times :grin: Give em 10-20 decades to catch up :wink:
How much do the card readers cost to run? Can't be that much if a poor mobile mechanic can run one? :undecided:
Oop Norf we have commen sense, had this with a mate of mines friend from London taking the piss out of the North, He was taking the piss saying all houses cost peanuts we all earn no money blah blah
I said no everyone who lives in london and surrounding areas are stupid, You all pay £200K Plus to live in a studio, Pay stupid amounts to live, This guy was on £60K a year and a knob
I said I earn the same if not more payed £140k for a 3 bedroom detached and have money left over every month to enjoy myself
Southern shandy drinkers need to wake up and see the light, We have fresh air, Plenty of space and a better life style :wink: :wink:
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I don't choose to pay silly money for property thankyou very much.
I can't just uproot and move up north :rolleyes:
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I always got cash on me and if I go shopping/pub/club I take plenty of notes. hardly ever pay on card in a shop
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You can pick up a 3bed semi in greater London for 180k in a nice area... now here's the catch, if you do got dollar you get this:
http://maps.google.co.uk/maps?q=Rm11+2pl&hl=en&ll=51.573762,0.22846&spn=0.011269,0.033023&t=h&z=16&vpsrc=0&layer=c&cbll=51.573751,0.228279&panoid=iswa8Tg_gdZqTjgoczKOQw&cbp=12,196.1,,0,8.95
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Where can you get that then?
Got a link?
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You can't even get a decent[/i ] 3-4 bed place round here for under £300k nowdays, never mind the big shmoke :undecided:
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Gone to cash now I'm budgeting more as I spend less.
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Oop norf like, they're a bit behind the times :grin: Give em 10-20 decades to catch up :wink:
How much do the card readers cost to run? Can't be that much if a poor mobile mechanic can run one? :undecided:
Oop Norf we have commen sense, had this with a mate of mines friend from London taking the piss out of the North, He was taking the piss saying all houses cost peanuts we all earn no money blah blah
I said no everyone who lives in london and surrounding areas are stupid, You all pay £200K Plus to live in a studio, Pay stupid amounts to live, This guy was on £60K a year and a knob
I said I earn the same if not more payed £140k for a 3 bedroom detached and have money left over every month to enjoy myself
Southern shandy drinkers need to wake up and see the light, We have fresh air, Plenty of space and a better life style :wink: :wink:
I Tried it, i enjoyed having my southern wage in the North, cheap house, cheap most things. But.....i'm a southener, i like nice clothes, nice eating places, an not being shouted at for being a 'fookin posh southern thingy poofta!' because i refuse to wear shell suits, sign on or drink stella at 11am in the town center whilst my kids piss on the plants.....
that said the new shopping centre in wakeys an improvement on the general impoverished sh!t hole appearence niche they have going on.
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Oop norf like, they're a bit behind the times :grin: Give em 10-20 decades to catch up :wink:
How much do the card readers cost to run? Can't be that much if a poor mobile mechanic can run one? :undecided:
Oop Norf we have commen sense, had this with a mate of mines friend from London taking the piss out of the North, He was taking the piss saying all houses cost peanuts we all earn no money blah blah
I said no everyone who lives in london and surrounding areas are stupid, You all pay £200K Plus to live in a studio, Pay stupid amounts to live, This guy was on £60K a year and a knob
I said I earn the same if not more payed £140k for a 3 bedroom detached and have money left over every month to enjoy myself
Southern shandy drinkers need to wake up and see the light, We have fresh air, Plenty of space and a better life style :wink: :wink:
I think this is the first post you've made that I've actually agreed with.
There is a lot to be said for the "North South divide", I'm just glad I've left the rat race behind.
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Fcuk the North, apart from central Sheffield and Eccleshall Road, i like them
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West Street on a Thursday/Sat is bit of alright. :wink:
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I'm more of a Corp kinda guy!
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Oop norf like, they're a bit behind the times :grin: Give em 10-20 decades to catch up :wink:
How much do the card readers cost to run? Can't be that much if a poor mobile mechanic can run one? :undecided:
Oop Norf we have commen sense, had this with a mate of mines friend from London taking the piss out of the North, He was taking the piss saying all houses cost peanuts we all earn no money blah blah
I said no everyone who lives in london and surrounding areas are stupid, You all pay £200K Plus to live in a studio, Pay stupid amounts to live, This guy was on £60K a year and a knob
I said I earn the same if not more payed £140k for a 3 bedroom detached and have money left over every month to enjoy myself
Southern shandy drinkers need to wake up and see the light, We have fresh air, Plenty of space and a better life style :wink: :wink:
I Tried it, i enjoyed having my southern wage in the North, cheap house, cheap most things. But.....i'm a southener, i like nice clothes, nice eating places, an not being shouted at for being a 'fookin posh southern thingy poofta!' because i refuse to wear shell suits, sign on or drink stella at 11am in the town center whilst my kids piss on the plants.....
that said the new shopping centre in wakeys an improvement on the general impoverished sh!t hole appearence niche they have going on.
Think you will find more shell suit signing on scum down south, after all thats where the looting was, and the shopping centre in wakey is sh!t, give me manchester or leeds any day for the shops, Nice places to eat
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I was being nice.... But yes it's a glittered turd in a field of turds
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Bloody sheffield is crap, spent most of my late teens there clubbing/shagging/getting pissed
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I was being nice.... But yes it's a glittered turd in a field of turds
wakefield is sh!t, council spend the money in the wrong places, Hepworth gallery is £34million pound turd, Trinity walk is a £100million pound turd
At the same time i love it, great people, good night out and its where im from and i would never change that