New DFW - Now my diary!!!

LittleEmms

Thanks Numpty - just I've always had that luck in the past... If I cancel the insurance, it will likely to break!! Maybe i need not to be so pessimistic!

I completely agree on the emergency fund - but until I get enough spare cash to create one... that's my worry!

Numpty_Monkey

That is the gamble we take
I didn't have a fund thats why i ttook me that long
probably shouldn't have done but I am a numpty

LittleEmms

You're right - I must do it!! Will cancel that tomorrow. Meanwhile may am going to spend some loving care on my existing washing machine.

On the water softening... thank you!! I'm gonna go check out the Old Style boards now

Love the smiley again!! Where do you get them?!?!

Numpty_Monkey

from there
i think

LittleEmms

:rotfl: :rotfl:

They're brilliant and I'm a little bit jealous!!

I didn't ring vodafone tonight- need a slap one - but just putting bill details in handbag and will do tomorrow (sneakily at work!)

Crap_with_money.com

I agree - I'd cancel the insurance!

When I took out my consolidation loan (yup - I went to the bank instead of MSE and for exactly the same amount too!!) - they also tried to sell me payment protection at £40 per month - my "old skool" dad, advised me not to take it, but to save the £40 a month instead, just in case anything ever went wrong. I didn't actually listen to him, thankfully I've never been redundant or anything so everything's fine - but you're definitely better saving the cash and having to find the difference if anything goes wrong, rather than giving the money away - then if your luck's anything like mine - it'll all go well for another 15 years!!

xx

Numpty_Monkey

nope,no slaps


All this is baby steps

LittleEmms

Thanks CWM

(Are you my twin?! ) I didn’t take out the insurance either on loan… I have a separate protection on my wages anyway as being a homeowner, and with the current climate – I can’t risk losing my house. I looked into that and realised it covers me, not a particular product. So I told the bank a polite ‘no thank you’ to their insurance and felt very proud that I had done that!!!

Right I’m going to cancel the washing machine insurance at the end of the month. I’ve just made a payment, so not cancelling it til then (keeping the cover I've just paid for!!) I will check paperwork as well – make sure I’m not in any breach of a years contract thing – although I’m sure I’ve not signed anything for the last few years. That’s then going into the ISA!!

Just setting myself a reminder to do the above!!!

Today my plan is to call Vodafone – cancel the phone insurance – I mean how stupid am I?!? and drop tariff!! :cool:

Thanks again numpty - love the baby steps one - your smileys make me smile!!
Here’s to a productive day :beer:

natsplatnat

Hi LittleEmms!!

How about a little sneaky and do something to the washing machine so it competely dies and then get a new one whilst you are still insured (does your policy cover this?). Cancel the policy and start saving for any problems in the future. Not strictly ethical (and I am now waiting to get told off by loads of people on here - SORRY in advance!!) but it does solve 2 problems!!:rotfl:
I wish I could keep these sneaky thoughts in my head - but as you have paid for the cover, it does seem such a shame not to use it!!!

Crap_with_money.com

Eh - talking of less ethical suggestions - cancel the insurance, if it breaks down, take out a new policy, wait a week and then claim! Might look slightly suspicious - but they can't prove a thing!!

Of course - I'd never condone doing such a thing - those big not-for-profit insurance companies clearly need the money more than I do!

xx