It's not rocket science, so why don't I get it?

andan

Excellent news piq, never mind serious debt busting in the new year, sounds like you've already made a fantastic start on that one. Its so easy to stick Christmas on the credit card, so sounds like youve done fantastic not to do so and without touching December's pay.

£50 of Sains vouchers is great, always nice to get something you didn't expect. i wish i'd used my Sains £10 voucher the other day when i went, keep meaning to use it, but was so ill with the lurgy ended up walking round the shop in a daze. Still, the good thing about me being ill is my OH has taken himself off to the spare room so he doesn't catch it, meaning i am sleeping alone!!

mickey_mouse

well done on getting through xmas without the credit card -that is amazing:beer:

hope you are feeling much better today

MrsAudus2b

Hi Piq my love!

I am chuffed for you about not spending anything on c/c's this xmas!:j I'm excatly the same and feel so proud of myself! In fact this year, I have spent less on everyone than I did last year on OH alone! :beer:

Also, good on you for having the determination not to touch your early monthly pay...very proud of you!

xx

Piquant_2

Aw shucks :o:o thanks guys, I've never not gone mad on the old card before. This is the first year I've ever budgeted for Christmas and only spent about a tenth of what I would normally throw at it. Next year I think I will make the cards and tags, I didn't think of it soon enough this year This is extra embarrassing as I am actually an artist by trade...

I did use the credit card for a couple of on-line buys, but I paid it off straight away and rounded it up to the next £10. So, for example, if I bought something for £14.99 I paid £20 straight off the card. Thinking about it, I have, therefore, paid off a little bit extra :j

I seem to have finally got my head around that a credit card is not free money! I will keep one for emergencies and online shopping, but will either pay it straight back or have a plan for paying back larger amounts and I will stick to it. I've proved to myself I can do this quite easily.

I've also noticed there are very few things I actually need, it's always things I want, and the urge normally goes away after a couple of days...

mickey_mouse

Piq - making your own xmas cards and tags is a great idea. I made mine this year - of course i didn't paint them as otherwise noone would have wanted them :rotfl:

Piquant_2

mickey_mouse wrote: »

Piq - making your own xmas cards and tags is a great idea. I made mine this year - of course i didn't paint them as otherwise noone would have wanted them :rotfl:

You'd probably make your fortune! anything goes these days...

Last time I went to the Tate Modern they had a glass of water on a shelf as an art exhibit, admittedly, there is no painting involved in that one. But mickey I'm sure you could sell your tags as modern art

mickey_mouse

modern works of art is certainly one phrase to describe my painting abilities :rotfl:

Piquant_2

23 December

Had my renewal notice through for breakdown recovery - it has doubled, even though I didn't use it last year!

There was plenty of waffle on it about me being a valued customer and giving me membership discounts, but, nevertheless, it was £82.9, it was £42.00 last year!!. I got a quote from the same company online and that came in at £76.25, so how does that work then?

Whilst I was on a roll, I went through Quidco and got quotes from all the breakdown recovery companies, with cashback, I can get it down to £25.00!

Called the offending company and gave them a small piece of my mind, rip off of existing customers blah blah. They matched the cheapest quote, but I'm not going to give them my custom, I'm really annoyed with them. They seem to want to milk the existing customer, do they think that I'm that stupid that I wouldn't check it all out?

Bit of a rant there - oops....

mickey_mouse

the mouse uncovers her ears - is the rant over now:rotfl: .Seriously though you did great to get a quote for £25.00 after cashback. We tend to use our Tesco clubcard points for RAC car roadside/home cover.

lucielle

These companies do need their butts kicking. So, well done you.
L