Hypno's "there's more to life than debt" diary.....

pania

think you may be right about needing a doctor.i can't move off my bed right now.

Verbatim

Sorry you're feeling rotten Pania and everyone else.

Hi Hypno Just reading atm as busy with tax sorting. Did Walsy get a result on the job?

Surfbabe

HOpe everyone feels better soon - just to cheer you up I've had 3 lots of antibiotics over a 6 weeks period and am only just beginning to feel right !!!!

On that cheery note I shall depart !!!!!!!!!!!!1

The_Dragon

pania wrote: »

think you may be right about needing a doctor.i can't move off my bed right now.

Ooh Pania I hope you feel better soon!

hypno06

Pania, get ye to a doctor.....please.

Verbatim, I don't think Walshy has a result yet.......waiting patiently!

debtfreefuture

Karmacat wrote: »

Off to do my scratchcards now,

What are the scratch cards you all seem to mention ??

DFF
x

hypno06

Debt free future, there is a thread on the "gambling introductory offers" board which explains it all - basically some of the bingo sites offer a free daily scratchcard - you have to be careful because if you have multiple accounts they are quite hot at shutting them down, but other than that it is a few pence a day for little effort!

pania

hi all. Just woken up after a 4 hour sleep. threw the towel in at work this avo and took to my bed. OK truth be known i was already working in bed but took to lying down. I have a pounding headache, very dry mouth and is at times like this i miss having a man about. in fact it was a man that gave me this but he lives half hour away and is visiting his sister this evening and i'm not overly sure i'd want him seeing my like this anyway! been paid today and need to look at the accounts but think i may go back to sleep and leave for tomorrow. I'll be at the doctors tomorrow hypno i promise. sooo much i need to sort out! night night again everyone.

hypno06

Sleep well P, and I hope you feel better tomorrow x

hypno06

Excuse me while I have a little :mad: moment.....

OH has closed his HSBC credit card, as they wouldn't balance transfer one of our loans to it. So it has gone. Feel as though we are getting somewhere because there is no temptation on it to spend.

He has kept his MBNA card, but reduced the limit to £500 and we use this for petrol and groceries and I pay it off in full every month on payday, so it is no longer incurring interest. This has worked really well for a few months.

I do check on the online statement to make sure we are not creeping too close to the limit - with it being a low limit, it would be easy to take an eye off it and suddenly be overlimit and charged.

So I was a bit surprised and annoyed to see £10 cash withdrawal, together with £3 cash withdrawal fee. I rang OH to make sure it was him, as the last thing we need is for our card to be cloned again, and he said it was, and that he needed £10 cash out and "you were running so I couldn't ring and find out which account to use".......:mad: .......d'oh, you put a debit card in the machine, check the balance, and if it says there is money available you withdraw £10. If it says "sorry insufficient funds" you can't take money out!

Simple really!!!! Isn't it

So, I am just really annoyed that, although I know I "deal with the money", if I am unavailable, he can't think to check the current account in the hole in the wall......he felt it was "safer" to use the credit card!

I could understand if he checked the current account balances and both were "empty" and if he really needed £10 from somewhere it would be cheaper to take £10 from the credit card and incur the handling fee and interest than it would to have a bank charge for being overlimit on the overdraft. Fair enough. But to not even check the current accounts, and then to blame it on not being able to ring me.........well!

So, so, cross. :mad:

Rant over.