Account empty, payday monday, can I use a VISA debit today?

msgnomey

If pay day falls on a w/e or a b/h we always get paid the Friday, it shows on the on line balance but not on the detail statement and doesn't 'appear' until the Monday but I can spend it!!

paulw98

Cant you just get a mate to lend you £30??

Toe-Jam

thedarxide wrote: »

Hi,

I get paid monday, but there's only £7 left in my account and need food. If I use a VISA debit, which I believe doesn't do a balance check at point of purchase, can I safely buy food assuming that the transaction won't go through until Monday anyway?

Ta.

Which bank is it ?

Santander may let it go through but you'll get a £35 charge for card misuse.
All banks in RBS group will let it go tho, but i'm guessing your not with them or you'd know you can withdraw Mondays payments on the weekend.

I dont know about the others.

These days the floor limit on most chip and pin terminals is 0, so if you don't have the money it will decline.

simongregson

thedarxide wrote: »

Myself, yes.

Myself, my wife, my son, the cats, no

Dried cat food £1
Loaf of bread £0.50
Bag of pasta £1
2x tins of tomatoes £0.70
1kg rice £1
Cheap veg e.g carrots etc. £2

Should keep you going till monday. Bit lacking in protein, but you could always get some lentils/tinned beans. Whether the kids will eat it is another question I guess!!

This is just the sort of situation a credit card or small overdraft would avert, as it is a cash flow problem rather than a spending problem. Perhaps think about applying for one, or get onto your boss most people would get their money the day before if pay day was on a non-banking day.

Toe-Jam

I have my salary paid into an RBS Group account, Credits due on Monday are available on Saturday so there is always money at the weekend thankfully. The downside is it works both ways, Debits due to come out on Monday come out on Saturday also.

Good luck with all the carbs, theres always the cats for protein if your really stuck

glider3560

You must have something at home which you can eat, if you put your mind to it, then buy the bare minimum with the £7 you still have in your account.

seven-day-weekend

whole chicken £3.50

Cheap veg £2

Bread 50p

Cat Food £1

Should feed all of you for the weekend

Or get the ingredients for somthing like a cottage pie and make enough to last the weekend

PROLIANT

Tesco:
Bag of lentils 88p
3 onions 79p
large bag of tatties £1
pack of bacon peices for cooking £1.09
stock cubes 50p

£4.26

chuck it all in a large pan and simmer for about an hour.

Use left over tatties for chips.

loaf of bread 50p
Cheap butter 50p

never-in-doubt

2 x ducks from local pond - £0
Potatoes (local farmer field) - £0


Chips n duck - £FREE (plus a whole duck for the moggy too) - shall I start on the roadkill menu or not yet?



(Scottish MSE version)

pmduk

You need to have stern words with that cat. Shouldn't it be out catching your food?