Desperate, and Banks keep saying no

mariannemarlow

I have worked out that I can save £6.70 a week on my travel (and getting two buses to work instead of going through zone 1) by getting a zone 2-3 weekly travelcard (when i am in a better position i might be able to get a monthly one and save even more money, but i get paid weekly.

mariannemarlow

roswell wrote:

If your still getting letters for a previouse tenant i would visit http://www.mpsonline.org.uk to stop the mail firstly and secondly check your credit reports and dis assosicate yourself from Everyone

thanks for that. i am registered with the mps to stop unwanted mail, didn't realise that you can register to stop getting other peoples mail aswell, so have just done so.

have requested all three of my credit reports and so should get them pretty soon.

cheers again

Marianne

researcher

"have requested all three of my credit reports and so should get them pretty soon."

When I applied for mine - they arrived in 2 days!

You're doing great.

wendyl1967

mariannemarlow wrote:

i know. but i just can't help thinking that the minute i stop playing my numbers, they will come up.

I gave up doing the lottery a few years ago after having the same numbers week in week out. I never check the numbers so they may have come up but I will never know. I now buy premium bonds every now and again as I can at least get the money back.

mariannemarlow

researcher wrote:

"have requested all three of my credit reports and so should get them pretty soon."

When I applied for mine - they arrived in 2 days!

You're doing great.

wow, two days, thats pretty good going!

thanks. am looking forward to chipping away at the debt, even if it might be 10 years before i am debt free.

mariannemarlow

wendyl1967 wrote:

I gave up doing the lottery a few years ago after having the same numbers week in week out. I never check the numbers so they may have come up but I will never know. I now buy premium bonds every now and again as I can at least get the money back.

you're right. maybe i should stop the lotto after all. it's confusing :-I

jobbingmusician

Marriane, the thing about the lotto is that only 50p of every £1 you spend is actually used for prizes - so every time you spend £1 you are 'throwing away' 50p, and gambling only 50p. (Maybe I shouldn't say this as I run a charity which depends on money from the other 50p ) At least with premium bonds you know what the overall % payback is (it's pretty low, but a fun way of gambling at low cost).

2 further points about PB in case it's useful...

1. DON'T buy PB now, always buy close to the end of the month, as if you buy now they won't go into the draw until 1st March - if you buy by phone on 31st Jan they should still go into March draw (but check this out just in case you need a day or two's leeway). End Jan is actually a good time to buy as it's February which is then the month when you don't get any interest on the money, and Feb is the shortest month!

2. Sadly, you need to invest £100 the first time you buy PB - you can buy in £10 units thereafter.

HTH

micheleen

Maybe it's just me but I can't see why PB's are a good thing. You're dependant on wins to keep up with inflation, never mind get ahead. OK your 'stake money' is safe but it's a no-interest bank account with a possibility of not losing money in real terms.

wendyl1967

I own £832 in premium bonds. I have owned the £32 for about 25 years and never won a thing on those numbers. The other £800 I have owned about 3 years. I have won £50 three times to I am pleased with that. Maybe I have just been lucky?

mariannemarlow

I thought you waited a month before they netered a draw, regardless of the date you bought them. hmm. confused.

I have £250 worth already that I bought when I got a bonus 4 years ago, so I can buy in £10's

Thanks for the advice though

jobbingmusician wrote:

Marriane, the thing about the lotto is that only 50p of every £1 you spend is actually used for prizes - so every time you spend £1 you are 'throwing away' 50p, and gambling only 50p. (Maybe I shouldn't say this as I run a charity which depends on money from the other 50p ) At least with premium bonds you know what the overall % payback is (it's pretty low, but a fun way of gambling at low cost).

2 further points about PB in case it's useful...

1. DON'T buy PB now, always buy close to the end of the month, as if you buy now they won't go into the draw until 1st March - if you buy by phone on 31st Jan they should still go into March draw (but check this out just in case you need a day or two's leeway). End Jan is actually a good time to buy as it's February which is then the month when you don't get any interest on the money, and Feb is the shortest month!

2. Sadly, you need to invest £100 the first time you buy PB - you can buy in £10 units thereafter.

HTH