1st January 2010 Daily Chat. Here's to a Happy and positive New Year of debtbusting.

katsu

Hope you all had a good time last night. My studying today a dismal failure.

Now to wrap all gifts for in-laws and leap into car (party tomorrow). My OH and I need to review the presents against the sale bargains and see who has what this year!

I also sold a book on Amazon today. Think I should definitely have a look around and see if I have any more textbooks I've not given away, as they have been good sellers.

katsu

beanielou wrote: »

Can I just share that my unsecured debt is now down to £1750
So pleased with that.

Congrats beanielou. What a great feeling

sallyx

:grouphug: Toto, can understand why you feel sad hun. Just think they already have easter eggs in the shops, countdown begins

Beanie thats fab debt busting, well done you!

Ames

Congrats Beanie, will you be debt free this year then?

BB, I think the self insurance idea's a good one.

Becky, I'm the same. When I opened my ISA they tried to sell me contents insurance and when I said I needed 8k of insurance they wouldn't believe me, they said to go home and imagine nothing there and how much it'd cost to replace. I did that (ignoring all the crap that I need to get rid of and wouldn't want to replace) and it still came to half what they said it would.

Right, I'm going to get another cup of coffee and catch up on my OU work.

tenmah

Right, since my last post I have actually got up from the settee and done some stuff.

I have been up in the loft to get down the boxes ready to put the decs away, put a load in the WM, peeled and prepared potatoes and veg ready for tea, put tea on and done my ironing!!

Feel less like a total slob now.

Burlesque_Babe

Well, I've chatted it through with my ex and he feels the same about the situation and it's a difficult one to call about Charlie's insurance. None of the frills are needed and if anything happened to him through an accident, money would be at the bottom of the list of things to consider. However, he is 8 and Springer's are prone to hip type stuff, which he is just showing a tiny bit of when he gets down off his 'perch' on the top of the armchair. I'm going to find a policy which has as few frills as possible for this year but at least covers him if he needs something serious at the vet and then see what things are like in 12 months time.

Buffythedebtslayer

Hello all

Happy New year to you all Hope you had fun xxxxxx

Burlesque_Babe wrote: »

I don't mind setting up a payment each month and then just sticking it in a basic savings account. It's just that fear of starting it and then him being really ill in 3 months (god forbid). I reckon I've probably paid around £800 over the years in insurance and had nothing back from it and as it is now around £25-£30 a month and some basics (ie dental work) aren't covered, I'm almost thinking it isn't worth it. There are lots of 'frilly' bits with pet insurance such as advertising money if the pet runs away or is stolen, or a payment of his purchase value if he dies in an accident. To be honest if something really sad happened to him, a couple of hundred quid (less the excess :rolleyes: )would never make up for losing him and just wouldn't be something I'd ever think about wanting anyway.

I'll discuss it with my ex when I go down later, see what he thinks.

I can see why on the face it you would want to just save for yourself instead BB but the most basic things are SO bloody expensive if I could insure the Guinea Pigs I would. I remember very clearly spending over 300 pounds on one rat to cover x rays, various meds and over night stays. Mental I know (and one of the principle reasons why I wouldn't have them again) but I can't imagine the costs for a dog. I know it doens't cover dentist wear and tear but just having him x rayed would cost a bomb?

If God Forbid Charlie did need treatment I bet it would cost over 800 pounds in a couple of months easy.

Just my 2p

ANy how am debating - bath and Dr Who or room tidy then doc who.

hmmmmmmmmmmmmmm.

Buffythedebtslayer

OOPs sorry BB, crossposted,must type faster xx

Burlesque_Babe

can't find much under £25 per month unless I go to one of the bargain basement places where you pay up front and then claim it back. There's a company where I can pay £18 per month but they have a really bad reputation.

This is worse than trying to find a car insurer :rolleyes:

Ellidee

BB my dog Finn is just 3 years old. When his insurance renewal was due last time it had gone up (Tesco) so I shopped around - found a cheaper quote and then - surprise surprise -Tesco 'revised' their quote when I rang them.