** Chilly Tuesday 26th Daily Chat**

becky_rtw

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

Spud try national rail website

becky_rtw

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

The CC is HBOS, £2447, APR is 22%!!!!! Evil......

sammy115

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:

ghostmadlittlemiss

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

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

sammy115

I would take a break josiebabe....the tax break is good, but more use paying off the credit card..

becky_rtw

As long as there no loss of company contribution then I would do it Josie

How far did you get Sammy?

scaredy_cat

is there anyone who need a roomie at the travelodge?