Hypno's approach to life, the universe and debtbusting.....

hypno06

ZTD wrote: »

Which you could have done months ago. The egg card was just keeping you dependent on debt.

It is like an abusive relationship with a violent partner - you know what you SHOULD do, but something keeps you from cutting the ties and walking away to be your own person.

Extreme comparison I know, and I cannot pretend to know what it is really like being with a partner like that, but that is how it makes me feel - completely run in to the ground time after time, yet still I give them my loyalty.

Well no more. I have two tins of corned beef, some tomato soup and a packet of couscous......I can survive :rotfl:

ZTD

hypno06 wrote: »

I am tired, I have mouth ulcers again, I am skint, and I am fed up of it.

:grouphug:

hypno06 wrote: »

But....on the plus side, I have done a £2 survey for pureprofile and am 80% to cashin there.....

:T

hypno06 wrote: »

......and I have a secret kitkat chunky in my handbag

It's not a secret any more - is it? :rotfl:

ZTD

hypno06 wrote: »

It is like an abusive relationship with a violent partner - you know what you SHOULD do, but something keeps you from cutting the ties and walking away to be your own person.

Extreme comparison I know, and I cannot pretend to know what it is really like being with a partner like that, but that is how it makes me feel - completely run in to the ground time after time, yet still I give them my loyalty.

Because they both go after and diminish, your feelings of self worth.

hypno06 wrote: »

Well no more. I have two tins of corned beef, some tomato soup and a packet of couscous......I can survive :rotfl:

Cue Gloria...

hypno06

ZTD wrote: »

It's not a secret any more - is it? :rotfl:

and it won't be a kitkat chunky for much longer either :rolleyes:

ZTD

hypno06 wrote: »

and it won't be a kitkat chunky for much longer either :rolleyes:

It's a scone?

hypno06

ZTD wrote: »

It's a scone?

Too bloody clever for your own good, you are.....:rolleyes:

.....I am struggling to think of something witty to write in response but have to admit defeat

ZTD

hypno06 wrote: »

Too bloody clever for your own good, you are.....:rolleyes:

What? Because I know all the old jokes?

hypno06 wrote: »

.....I am struggling to think of something witty to write in response but have to admit defeat

It's the rush of sugar...no good for you...

skint_spice

I thought the advice was always to keep a card and pay it off in full every month because this looked good on credit score etc? I have been doing this with my barclaycard - using it for petrol just cos I like the idea that I paid them interest for years and now they send bill and I pay it and they get nothing from the deal:D!

Can't believe all those calls though - surely there's a case for harassment there?

ZTD

skint_spice wrote: »

I thought the advice was always to keep a card and pay it off in full every month because this looked good on credit score etc?

You have a mortgage. You pay it off on time. How much of a credit record do you need?

And who is likely to say this? The credit card companies who make over a quid on every one of your transactions? :think:

skint_spice wrote: »

I have been doing this with my barclaycard - using it for petrol just cos I like the idea that I paid them interest for years and now they send bill and I pay it and they get nothing from the deal:D!

They do - but from the retailer - not you. You do of course pay higher prices for the privilege, but that cost is usually concealed from you.

hypno06

skint_spice wrote: »

I thought the advice was always to keep a card and pay it off in full every month because this looked good on credit score etc? I have been doing this with my barclaycard - using it for petrol just cos I like the idea that I paid them interest for years and now they send bill and I pay it and they get nothing from the deal:D!

I think that was the reason behind my thinking, but even that has proved to be a stress I can really do without - obviously!

Even with paying off the card every month, and having a so called excellent credit score now, I still can't get a decent deal on a loan (or even a deal at all).

So it makes me wonder whether I would be better just to forget any other form of credit other than my mortgage when I move house, and just work on what we have left, and accept things as they are for the time being, keep chipping away at the remaining debt, and save up as much as I can for a deposit to get me the best mortgage offer at the time.....

.....and not worry about anything else other than making sure my income is at least equal to, and preferably slightly more than, my basic outgoings.