The Tosser Within

Personal debt is huge. In the UK personal debt has exceeded £1.25 trillion and at the end of September 2006 it stood at £1,258bn. The growth rate has increased to 10.3% for the previous 12 months which equates to an increase of £109bn.

Total secured lending on homes has exceeded £1 trillion (£1,000 billion) and at the end of September 2006 it stood at £1045.7bn. This has increased to 11.2% in the last 12 months.

In a new initiative, the Tories intend to tackle personal debt to “promote social responsibility and develop greater corporate and individual responsibility”. As part of the campaign, they’ve released a short film which contains this self-improving message:

Inside all of us lives a conniving, dirty little parasite, the tosser within. He wants you to spend, spend and keep spending until you’re in terrible debt. Ignore the tosser inside you. Take control of your money at sortit.co.uk.

It’s quite refreshing to see a political party invoke consumerism, or Shopping & Fucking, in pejorative terms.

In sufism the ‘tosser within’ is known as the nafs, the psyche, the sum of individual or egocentric tendencies, the vanities. All religious traditions, have always been, at their esoteric centres a battle against the inner tosser. A battle, I’ll admit, I’m losing.

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  4. Riz Says:

    Given that house prices have gone up some 300% in the past decade in many areas, I think the boom in debt is less extreme than the headline stats suggest (ie households balance sheets are in good order because their liabilities have been offset by rising asset values). No one talks about this.

    I think the Tory message just comes across like more pathetic nanny state advice. Personally I am riddled with parasites but excessive spending is not one of them. Nevertheless, spending can be very healthy and enriching for the individual and for the economy. For those people who have a serious spending problem, this jokey film is sending the wrong message: addictive spending wrecks lives, and can destroy families. It needs to be tackled seriously. This film just seemed to be targeting the average man on the street. It’s all wrong, I say.

  5. Sid H Arthur Says:

    Interesting points Riz. But I’d have thought that most debt-offenders don’t have properties to offset their borrowings. That and lenders being all too quick to lend/trap to young, impressionable idiots caught up in bling culture.

  6. Riz Says:

    I have no idea about your point re property ownership Sid, but it is valid and I take note…many notes!.

    Nevertheless, consider the US, where debt has also sky-rocketed and the national savings rate even turned negative for a while; it is still extremely low. It was found that looking at the national statistics on a macro basis was misleading however, and that the lower income cohort actually had a higher saving rate than the average. The big dis-saving that was going on was happening higher up the income ladder, where people’s house values (and shares values) had been risen massively. Thus, many people who take this balance sheet approach think the crisis is not as bad as the headlines suggest. I just wonder how much of this carries over the UK. Unfortunately I don’t think we have the same level of micro statistics they have in the US.

    It’s a good point about the marketing of credit products by the unscrupulous money lenders in the UK, but how many people are really suffering from serious debt problems as a percentage of the population. If you look at stats like personal bankruptcies, these have sky-rocketed in the UK, but this is more due to a change in the legislation that has made is much easier for people to declare themselves bankrupt or close (via IVAs). Also, the last thing I read was a report on a report of financial stress being suffered by UK households (from the Bank of England) and the trends were not distressing…nothing like the anecdotal evidence suggests. This makes sense, as interest rates are still historically low in real terms and the labour market is kind of doing okay.

  7. sid arthur Says:

    So no chance of rises in inflation and hikes in interest rates if this trend continues then?

  8. Riz Says:

    Just my view Sid:

    Inflation is a tricky beast but it has been kept well under control. I think the economy got a bit of a free ride in recent years as immigrants helped to keep a lid on wage costs; this augmentation to the workforce was a bit of a surprise to the Bank. Higher education costs and energy bills are expected to put an upward impetus on the price level, but at the 2 year horizon (which is what the Bank targets), CPI is expected to come in at 2.0%. Unless their are major cracks in the UK housing market or labour market I don’t see the debt problem spiralling out of control…not yet. The time for that may yet come.

    Also, the market is pricing in another rate hike from the BoE, which I think is about fair.

    My biggest concern is of a negative spill over from the US slowdown, but it sure doesn’t keep me up at night!

  9. Riz Says:

    Looks like it is the Tories (and Labour) who are having problems with debt. Before they start dishing crass advice with this video they should have taken a good look at their own affairs! Bah.

    On a seperate and somewhat more optimistic note, the OECD World Economic Report today has a piece on household indebtedness. The FT quotes: In a special chapter on the sharp rise in household indebtedness – mainly mortgages – in many countries over the past decade, the OECD found that some low-income households were vulnerable but that “household balance sheets are generally sound and debt servicing burdens still moderate.”

  10. sid arthur Says:

    Looks like it is the Tories (and Labour) who are having problems with debt. Before they start dishing crass advice with this video they should have taken a good look at their own affairs! Bah.

    well yes, exactly. Great comments Riz.

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