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** Chilly Tuesday 26th Daily Chat**

1192022242536

Comments

  • becky_rtw
    becky_rtw Posts: 8,393 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    josiebabie wrote: »
    Hi all,
    I'm lurking again, not popping on to offer car-related advice this time, what do you guys think about pensions? I pay £85 per month into company pension before tax, but i'm only 25. Should I stop this temporarily and put it towards a credit card?
    Any advice would be good! Thanks.


    Now that really depends on a few factors - whats the CC APR and amount owing? How much is your company contributing to the pension, how long have you been paying it and do you have other expenses you can be rid of first to free up money?
  • sallyx
    sallyx Posts: 15,815 Forumite
    Spud try national rail website
    I'll make a wish, take a chance, make a change And breakaway. I'll take a risk, take a chance, make a change and breakaway ....
    Finally Debt Free...
  • becky_rtw
    becky_rtw Posts: 8,393 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Spud - the trainline is rubbish and it charges you a booking fee - most train booking websites run off it - Eastcoast.com does not and has a cheap fare finder button once you've entered your journey details to find the best fares :)

    Dates, times and locations and I will look for you :)
  • josiebabie
    josiebabie Posts: 1,224 Forumite
    Tenth Anniversary Combo Breaker
    The CC is HBOS, £2447, APR is 22%!!!!! Evil......
    Nothing to report as yet...give me a minute...!
  • sammy115
    sammy115 Posts: 15,267 Forumite
    sallyx wrote: »
    :eek::eek:

    But I am SO glad that you put yourself first today, in the long run its worth it as it will keep your mind fresh and able to do the job :)
    Roll on next week for you

    It was hard...not used to doing that, but feel good...

    had to laugh though, not been the gym at that time before, I was in the ladies only gym cos the other two were full and I was next to two young girls in full make up walking on the treadmill, not sweating in the slightest.

    Then on the cross trainer another girl was reading a book:eek:

    Me, sweating like a pig in the corner felt really out of place.:rotfl:
    Quality is doing something right when no one is looking - Henry Ford
  • I've just updated my signature and it's looking pretty good. :j I'm on the home stretch at last (I hope). In the meantime, Farmville then bed. Talk tomorrow.
    Kayleigh
  • josiebabie
    josiebabie Posts: 1,224 Forumite
    Tenth Anniversary Combo Breaker
    Been paying into it for about 18 months, with a break in the middle due to maternity leave and baby. Not really anywhere else I can free up funds from, this is a no-brainer I think
    Nothing to report as yet...give me a minute...!
  • sammy115
    sammy115 Posts: 15,267 Forumite
    I would take a break josiebabe....the tax break is good, but more use paying off the credit card..
    Quality is doing something right when no one is looking - Henry Ford
  • becky_rtw
    becky_rtw Posts: 8,393 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    As long as there no loss of company contribution then I would do it Josie :)

    How far did you get Sammy?
  • scaredy_cat
    scaredy_cat Posts: 7,758 Forumite
    is there anyone who need a roomie at the travelodge?
    Cats don't have owners - they have staff!! :D:p
    DFW Long Hauler Supporter No 150


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