Announcement

Collapse

Forum Rules (Everyone Must Read!!!) (updated: 04/28/2015)

Welcome to the Bankruptcy Forum. Bankruptcy (BK) Forum is known as BKForum.com and will be referred to as BKF hereinafter. In order to ensure a long term success of our vibrant community, we have established certain rules and guidelines to which everyone must adhere to. Please take your time to carefully read our rules, before you start to participate in the community.

Things you agree to do:
BKFORUM.com (BKF) users agree to use the search function before starting a new thread. This prevents duplicate discussions and allows for better organized topics.

All BKF users agree to read the sticky posts which may be available at the top of a forum page. These Sticky posts often contain valuable information. They may also outline more rules and guidelines specific for that particular forum, stickies are put in place by that forums moderator(s) or admin(s).

Things you agree not to do:

All BKF users agree not to call people names or write a post simply to make a personal attack, or get a negative reaction; this behavior is not allowed on our forum. The use of derogatory language aimed at anyone will be severely dealt with. There is no need to agree with each other, or to even like each other. However, by signing onto BKForum.com you agree to treat each member and guest with the respect they deserve. No threats or personal attacks will be allowed.

All BKF users agree not to discuss, engage, or encourage any behavior or activity which violates the law. Discussion of drugs, violence, murder, theft, vandalism, fraud or any other issue which could be used to help individuals break the law is strictly forbidden.

All BKF users agree not to "bump" old threads, unless there is a specific benefit to the community by doing so. But in most cases, please don't post in very old threads, instead start new threads.

All BKF users agree not to attempt/use another members account. It is against BKF rules to use any account other than your own. Impersonating another member will result in an immediate ban. It is also against the rules to open more than one account in your own name without permission from a moderator or administrator. If you have been banned for any reason, it is against the rules to open another account. If you were banned temporarily and you are caught using another account you will be banned permanently. Choosing a moniker which is similar in either sound or spelling as a moderator or administrator is strictly forbidden.

All BKF users agree not to private message any moderator, admin, or other member with questions related to their personal circumstances (Questions about the forum or issues with the forum are ok). This forum only works when members share their experience and insights with everyone.

Things you agree not to post:
All BKF users agree not to post any derogatory/racist/or sexist remarks. This includes attachments, links and all information contained within posts, signatures, and avatars, failure to comply with this rule will result in a permanent ban.

All BKF users agree not to post any copyrighted or trademarked information without the express written permission of the owner(s) / proper citation of source.

All BKF users agree not to post any real names, addresses, telephone numbers, email addresses, social security numbers, or any other personal details (their own or other people's).

All BKF users agree not to post links, pictures, attachments, videos, or the like of pornographic content, objectionable material or extreme violence, whether cartoon or real.

All BKF users agree not to use BKF for advertising purposes without a written contract between yourself/company/agent and the administration of BKF. Blatant advertising will result in a ban.

All BKF users agree not to spam the forums. Spam includes but is not limited to posting erroneous, non-relevant-useless, off-topic, or meaningless posts. Spam may also include posts which contain no text, or large areas of blank space between lines. Simply posting emoticons without text is considered spam. BKF is the largest bankruptcy message board and all the content is intended to help other users. Please help us improve the quality of our forum by making sure that your posts are well-worded, spell checked, grammatically correct and syntaxed.

Regarding actions of moderators and administrators:

The forum is no place to air out your opinion or be judgmental of our staff and its capabilities.

All BKF users agree not to abuse or mistreat moderators or administrators. It is against BKF rules to post any information regarding bans or any other action taken by a member of the moderating or administrative team. If you wish to discuss bans or warnings please do so via PM. To place a complaint against a moderator, send a PM to a super moderator. All Moderators are equal, any decision made by a moderator must be adhered to. If a moderator tells you something you do not like, do not go to another moderator looking for a different answer. If you are caught doing this you will be banned. The moderators work as a team and respect the decisions made by their peers and will help enforce them unless an administrator tells them differently.
If you have an issue with how the forum is run, then notify one of our administrator and we will look into the situation. We have in the past and still do appreciate any input that you offer this forum. But critical input and/or judgmental postings towards the staff will result in you getting banned.


Should you find a thread offensive or out of line, then notify a Mod in a PM so they can evaluate the situation and do the action deemed necessary.

All moderators do have active "other" lives outside of the forum and help moderate this forum in their spare time throughout the days and weeks.

If you have a problem with a member or Mod follow the proper channels of reporting it.

BKF reserves the right to delete any posts which contain anti-BKF comments or discussion. Any bashing of moderators or administrators, or any of their discussion or actions will also be deleted, and the responsible posting party(s) will be banned. Any public anti-BKF advertising, communication, or posts on another forum will result in permanent bans as well.

All warnings and bans are decided by individual moderators and administrators. Warnings are preferable to bans however, for serious offenses and repeat abusers bans will go into effect. The length of the bans can vary from several hours to permanent.

All messages posted or sent including through PM are the property of BKforum.com.

All BKF users agree not to advertiser on the forum (Niether by posting, private messaging or using your signature). If you are a company/attorney/legal adviser wishing to advertise on the site or sell a product, you must contact the head administrator and inquire about our advertising packages.

All bankruptcy related opinions expressed on BKForum.com are those of their authors and not necessarily of BKF, its staff or representatives.

You agree not to copy any material/post/content from BKF without written permission from our head administrator .

By posting on this forum you agree to these terms and conditions, including any punishment deemed appropriate by moderators or administrators in the event of an offense.

Administrators/Moderators can change these rules at any time without prior notice.
See more
See less

Is Black Friday, etc., a bad temptation now that you have gone through BK?

Collapse
X
  • Filter
  • Time
  • Show
Clear All
new posts

  • Is Black Friday, etc., a bad temptation now that you have gone through BK?

    I was watching a news report about these folks that get into this Black Friday tradition. They wait overnight in the cold to get into the store at 4:00 AM, and then make a crazy rush to go to specific locations to pick up the item they want to buy. I even think I heard something about a store staff member somewhere who was tramped to death one year!

    It seems that for someone who was predisposed to this shopping frenzy, this could cause her (I used the feminine because it seemed like most of the folks doing this were women) to spend a lot more than she can ultimately afford, ending up with her filing for bankruptcy. And after the bankruptcy, I could see her, with her new CC's getting right back in to the frenzy, and thus a bad temptation for her.

  • #2
    I used to be that person not this year. Did not go out till around 10 am and with only a certain amount of cash got what I wanted and left. It was a good feeling

    Comment


    • #3
      I would imagine that he would have an issue with spending and forgot how to act appropriately.

      I found your use of she to be offensive. S/he (for she and he) would have been better. Because I saw men behaving extremely poorly as well. And, to be honest, there's simply no way to tell which gender outnumbered the other. Kind of one big mesh of people behaving poorly.

      This is the first year that I went out on Black Friday. And I saved $20 on something that would have cost me more when I had planned on buying it in the spring. I took advantage of the other Black Friday deals online. And I am done with my Christmas shopping. Next year, I will be finished before Thanksgiving. I hate going out after Thanksgiving. Too many people.

      Comment


      • #4
        I too took offense at the assumption that these shoppers are mostly women. The one time I went Black Friday shopping there were plenty of men out there as well acting like fools. I also think it is ridiculous to believe that black friday shopping will lead to bankruptcy. I no longer participate in black friday at all since it now actually starts on Thanksgiving, ridiculous! Since we filed we have reevaluated what we actually need and most of the time we find we can do without a particular item and spend far less than we ever did before.

        Comment


        • #5
          I was out there on Thursday night. I don't have the kids on Thanksgiving, so I went. I got a fire pit. One that I refused to pay $60 for last spring (I also wished I had bought it back during the Christmas season when it was the same price as what I got it for on Thursday) and this is the only time that it goes on sale for a price that I am willing to pay. Since I was out, I finished most of my shopping. Nobody behaved poorly like you see in those videos online.

          I didn't need one, but the kids and I are going to enjoy the roasted marshmallows for many summers.

          Comment


          • #6
            So many things about Black Friday disturb me, I refuse to participate. Thinking of people required to work on the holiday (many stores were open here on Thanksgiving,) has been bad enough, but the over 10 pounds of sales flyers that came with Wed.'s paper and went right into the recycle bin reeeaally bothered me. Seriously, it weighed more than our cat.

            Comment


            • #7
              I'd like a firepit. Can you help me out, helpmeout, with details? tia!

              Keep On Smilin'

              Comment


              • #8
                There is not one thing about sales and specials that motivates me to even think about rushing to the stores. In fact, I have not been into any major retailer since Wednesday.
                Chapter 7 (No Asset/Non-Consumer) Filed (Pro Se) 7/08 (converted from Chapter 13 - 2/10)
                Status: (Auto) Discharged and Closed! 5/10
                Visit My BKForum Blog: justbroke's Blog


                I am not an attorney. Any advice provided is not legal advice.

                Comment


                • #9
                  I always have my Christmas shopping done by the end of October every year. I do not do the Black Friday thing. Never have and never will. In fact I wont go into any store (except the grocery store) from Nov 23 to Dec 26. I also don't do Cyber Monday either. Just nothing I need that bad that will cause me to spend money needlessly.

                  Comment


                  • #10
                    Originally posted by keepsmiling View Post
                    I'd like a firepit. Can you help me out, helpmeout, with details? tia!
                    I got it at Target for $40. You may be able to get it online and if you have a Target Red Card (even debit, which is what I have, is accepted online now) the shipping is free on top of the 5% off.

                    Comment


                    • #11
                      I have never enjoyed shopping to begin with. My daughter drug me out one time for Black Friday and it was beyond awful. Never again. I have other vices to deal with but shopping is not one of them.
                      Filed Ch 13 Feb 9, 2012, 341 meeting Mar 15, 2012, Confirmed Apr 5, 2012
                      Anticipated freedom party Apr 2015

                      Comment


                      • #12
                        The TV deals were killin' me! Ours died this year, so my small one is now our main one. We don't go out for movies, and work late hours, so that's our chill out cheap entertainment. So if I had cash, I would have gotten a TV, but didn't, so I'll get a deal somewhere when I do have the $$.

                        Yes, the Thanksgiving Day sales are pretty gross. People should have that day off. When I worked in the service industry, I worked all holidays. But I expected that and it's nice that people can go out to eat on holidays. But they they can wait til the next day to shop.

                        And I agree, "she" was definitely the wrong thing to say. "More men than women went shopping on Black Friday weekend, and men outspent women...the unusually high male turnout can be attributed in part to the fact more stores had midnight openings this year." -2011 http://abcnews.go.com/Business/men-w...0#.ULJonYWRJG8
                        BK7 Filed 7/10/12 • 341 8/15/12 • Discharged 10/17/12 • Closed 5/6/13 Thanks to everyone here!

                        Comment


                        • #13
                          Originally posted by joshuagraham View Post
                          I was watching a news report about these folks that get into this Black Friday tradition. They wait overnight in the cold to get into the store at 4:00 AM, and then make a crazy rush to go to specific locations to pick up the item they want to buy.

                          I've seen this, too, and all I think about this is "what a bunch of idiots." The minimal amount they will save on these items is simply not worth it to me. The best way to save money is to mainly buy only what you really need, and then save up for bigger items until you can truly afford it, and then just buy it with cash. I keep saying this, but it is true. Buying everything with cash has saved me a huge amount of money. It is much harder to part with cash than it is to just swipe a credit card or a debit card. There are no more impulse buys for me. And sometimes, I don't bring enough cash with to the store, and I have to ask the cashier to put some things back. That really lets me know which things on my list are essential and which ones I didn't really need, and probably shouldn't have bought anyways.

                          I even think I heard something about a store staff member somewhere who was tramped to death one year!

                          No amount of savings is worth that. These people are acting like animals rather than civilized humans. It's sick. The staff member should sue the store for encouraging this behavior.


                          It seems that for someone who was predisposed to this shopping frenzy, this could cause her (I used the feminine because it seemed like most of the folks doing this were women) to spend a lot more than she can ultimately afford, ending up with her filing for bankruptcy. And after the bankruptcy, I could see her, with her new CC's getting right back in to the frenzy, and thus a bad temptation for her.
                          Here's what I did on the morning after Thanksgiving. I did not even go to any stores. I slept in and then had a leisurely walk through the neighborhood. It is finally really nice weather in Phoenix again. It's a great time for a walk or a bike ride.
                          The world's simplest C & D Letter:
                          "I demand that you cease and desist from any communication with me."
                          Notice that I never actually mention or acknowledge the debt in my letter.

                          Comment


                          • #14
                            Originally posted by angel7821 View Post
                            I always have my Christmas shopping done by the end of October every year. I do not do the Black Friday thing. Never have and never will. In fact I wont go into any store (except the grocery store) from Nov 23 to Dec 26. I also don't do Cyber Monday either. Just nothing I need that bad that will cause me to spend money needlessly.
                            I get my shopping over very early, too, but all I do is buy gift cards for my young relatives. I figure what they like, and then get them a gift card to that store, or to that online store and then when it comes time to send out the Christmas cards, I stick the gift card in there and poof! I'm done! And I never go over my budget.

                            It's quick. It's easy. And from what I hear from their parents, they actually look forward to my Christmas card coming in the mail, because it has something they want inside of it.
                            The world's simplest C & D Letter:
                            "I demand that you cease and desist from any communication with me."
                            Notice that I never actually mention or acknowledge the debt in my letter.

                            Comment


                            • #15
                              I never have shopped on black Friday and never will. Traffic and crowds are bad enough throughout the holiday shopping period. I have no desire to be out in the worst of it.

                              And people who go out shopping on Thanksgiving should re-evaluate their priorities, IMO. The people who were sitting in lines on Wednesday should have their heads examined!
                              LadyInTheRed is in the black!
                              Filed Chap 13 April 2010. Discharged May 2015.
                              $143,000 in debt discharged for $36,500, including attorneys fees. Money well spent!

                              Comment

                              Unconfigured Ad Widget

                              Collapse
                              Working...
                              X