Squirrel's Smiley, Smart and Solvent Diary

Karmacat

Woo hoo! After what Martin wrote recently (?) about overdrafts, this sounds better and better, Squizz.

redsquirrel80

What did Martin say?

redsquirrel80

Actually, that reminds me - for some reason the bank I have the overdraft with sent me a new card recently, even though the old one doesn't expire for another couple of years. I've only had a cashline card with them for about 10 years since I was naughty and went over my overdraft back then. This new one is a Visa Debit though! Perhaps they've noticed I've not been using the account apart from paying the overdraft off?

Karmacat

Its something about how people sometimes pay off credit cards by using their overdraft, but overdrafts are sometimes *more* expensive than credit cards, so it was a really, really bad move. You're doing it from income, so *that* doesn't apply, but it was memorable to me because I hadn't realised that the two rates had converged, thats all.

You're doing good on what you're doing! Off now to buy train tickets and stock up my oystercard, has to be done during the day cos its too slow in the evening to do moneythings on!

See you later
xx

redsquirrel80

I hadn't read that but yep some overdraft interest rates are pretty scary! Mine is still interest free at the moment (although I'm pretty sure it shouldn't be but shhhh! )

Yesterday seriously went downhill in the afternoon - work stuff which really made me wonder about some people's attitudes (thankfully ones who I only have to deal with at a distance).. but anyway been a quiet day so far and hoping it will stay that way.

Got a gas bill yesterday which was only £45! Estimated though and the actual reading is a bit higher, so we think it should be about £60. Looking at previous ones we are spending on average £30 a month which I think is OK? I'll probably be a bit more careful about putting the heating on now that I'm paying for it :rotfl:

pania

Hiya! found you! booked marked you.. there is no escape!! mwahahahahahha

redsquirrel80

pania wrote: »

Hiya! found you! booked marked you.. there is no escape!! mwahahahahahha

Eek! :eek::rotfl:Nice to see you here

What's going on today then... I am feeling a bit yucky, didn't sleep well and feel quite moody and fed up. Lots of silly annoying little things to do at work today. I also have a strange pain in my tummy

In other news, the gas bill turned out to be £71, still not bad. Mr S non-commital on whether he wants me to pay half of it or not. Had a chat about putting it onto direct debit though so will probably do that.

Will have to think about having a couple of days off and actually sorting my flat out and packing!

pania

aw hon sorry to hear you are feeling carp. theres not a baby squirrel swimming around there is there? today in more productive advice if its high up its wind, if its low down and to the right its appendicitis, if its in the middle your pregnant! so either way pretty much scuppered... Sorry just trying to make you smile, not helpful am i lol!!! good news on the gas bill!! OH lives right out in the sticks and has to have oil. a tank full cost £340 and lasts just over 2 months!!! :eek:

sallyx

Blimey P thats expensive Heating...Id be reaching for several layers before turning it on!

Hope you feel better squizz...im with you on the moody and feeling pah!

redsquirrel80

That is expensive P - like Sal says I'd be putting on lots of clothes, hope you've both got lots of woolly jumpers!

It's definitely not a baby squirrel - I've had period pain for the last few days but this is higher up, sort of in/behind my belly button! *insert confused smiley* I don't think it's wind...