How much can you save?

rictus123

30,000 squats lol thats a good one. Are you going for £10k again this year and next Tara? Is it for a house deposit?

FlareStar

minidannii wrote: »

Congratulations to everyone who's got their target/ saving well, i don't want to say names as i know if i look back i'll forget to mention 1 or 2, then i'll feel bad, i don't want to sound mean like am not saying congratulations to people am just so stressed right now:(

but YAY TO YOU ALL :j

and hostie, no i did what a few people on here said, phone up and ask whats happening, they claim they never got the letter/statements they asked for, yet i made sure they were sent in next day post so it was done asap.

then was told to re write a letter and send the statements, and ask the bank to fax it which i did, then a few hours later phone the fraud and asked if they got it this time, they answer saying it will be at the bottom of the pile so phone back in a few days

Hey minidannii :hello:

For next day post you should have a blue silver /orange label ( i cant remember which colour is for next day) or a receipt from the post office, i think is next day where the reciever has to sign to confirm the letter has been delivered, which you can see using the royal mails tracker system on their website using the cade on the label/receipt- which will tell you exactly where you letter is ( i.e delivered/depot/waiting to be despatched)....so next time they claim they have not rec'd any letter from you , you'll be able to advise them that you have a reciept and/or signature that confirms that the letter has reached their offices.

this is what i use for any important letters its amazing when you mention that it was signed for on dd/mm/yy @ xx:xxhrs at xxxxx head office how they change from "we have not rec'd your letter" to "we will have another look for it", usually 9 times out of 10 they miraculously 'find' it. Keep hold of these labels/receipt incase you need them further down the line to prove that you co-operated with them by sending letters like they req'd.

:A

minidannii

FlareStar wrote: »

Hey minidannii :hello:

For next day post you should have a blue silver /orange label ( i cant remember which colour is for next day) or a receipt from the post office, i think is next day where the reciever has to sign to confirm the letter has been delivered, which you can see using the royal mails tracker system on their website using the cade on the label/receipt- which will tell you exactly where you letter is ( i.e delivered/depot/waiting to be despatched)....so next time they claim they have not rec'd any letter from you , you'll be able to advise them that you have a reciept and/or signature that confirms that the letter has reached their offices.

this is what i use for any important letters its amazing when you mention that it was signed for on dd/mm/yy @ xx:xxhrs at xxxxx head office how they change from "we have not rec'd your letter" to "we will have another look for it", usually 9 times out of 10 they miraculously 'find' it. Keep hold of these labels/receipt incase you need them further down the line to prove that you co-operated with them by sending letters like they req'd.

:A

nope i just had to use stamps i already had.

I am overdrawn as it is with the fraud, the banker told me since it was £1000 overdrawn take out £2000 so you can carry on spending. But if i don't get the money back i can't afford that, as i only get £800 a month basic wage.

so for now am having to live for free, my parents don't charge me. They buy the food. I have just been going to work, sleeping and going online reading on here to keep me going.

its been 19 days now

I don't like it, as they buy some food i don't like so when i had money most of the time i got my own food.

minidannii

why is life so perfect, then everything goes wrong a onces

i reversed into a car, which is someone i work with

i started crying as i have never hit a car before

people have said offer her the cash as it will be cheaper than on your insuarance, thing is i can't i haven't heard from the bank

briona

minidannii wrote: »

why is life so perfect, then everything goes wrong a onces

i reversed into a car, which is someone i work with

i started crying as i have never hit a car before

people have said offer her the cash as it will be cheaper than on your insuarance, thing is i can't i haven't heard from the bank

Oh dear! Have a (dodgy!) virtual hug. :grouphug:

On a practical note, you should swap insurance details* with the other party. (If someone didn't want to give me their insurance details or was very insistent on paying cash, I would wonder whether they had any insurance and would be tempted to get the police involved!). Then, get them to take their car to a garage and get a quote for the work. If it seems quite expensive you can insist on them getting two or more comparable quotes.

Depending on how hard you hit it, it may be that the dent can just be polished out. I hit a car with some force four weeks after I'd passed my test and it cost me £180 to get the scrapes polished out of the other party's car! Not great but not bank-breaking either.

*I must admit that I didn't go through insurance because the person whose car I hit didn't speak any English and I had to liaise with his seven year old daughter! Really! It was easier to give her directions to a friend's garage and tell them I would pay for the work! They were happy with that...

Briona

minidannii

briona wrote: »

Oh dear! Have a (dodgy!) virtual hug. :grouphug:

On a practical note, you should swap insurance details* with the other party. (If someone didn't want to give me their insurance details or was very insistent on paying cash, I would wonder whether they had any insurance and would be tempted to get the police involved!). Then, get them to take their car to a garage and get a quote for the work. If it seems quite expensive you can insist on them getting two or more comparable quotes.

Depending on how hard you hit it, it may be that the dent can just be polished out. I hit a car with some force four weeks after I'd passed my test and it cost me £180 to get the scrapes polished out of the other party's car! Not great but not bank-breaking either.

*I must admit that I didn't go through insurance because the person whose car I hit didn't speak any English and I had to liaise with his seven year old daughter! Really! It was easier to give her directions to a friend's garage and tell them I would pay for the work! They were happy with that...

Briona

yea she got my insurance my dad came up with it, it was after people was saying offer her cash, as it will be cheaper than on your insurance

tara747

rictus123 wrote: »

30,000 squats lol thats a good one. Are you going for £10k again this year and next Tara? Is it for a house deposit?

:rotfl::rotfl::rotfl::rotfl: It does sound like a strange challenge!!!!!!!!

Yes, I am going for £10K this year plus pay rise on top. And will carry on saving till I find the house I want.

briona

minidannii wrote: »

yea she got my insurance my dad came up with it, it was after people was saying offer her cash, as it will be cheaper than on your insurance

Whether it's cheaper to pay cash or go through insurance depends very much on the level of damage, your excess and whether you have a protected no-claims bonus.

You can't tell from looking at a car how much damage has been below the surface. The scrapes on the car I hit looked fairly superficial to me but it cost £180 to get these minor looking scrapes polished out (and that was going through a friend's garage and being given "mate's rates")!

I would ask the owner of the car you hit to get at least two quotes for the work BEFORE you decide whether to offer her cash.

Briona

maltpress

Hello all. First up - I'd like to reitterate everyone's messages of support to Minidannii - hang in there, I'm sure the bank will help you sort things out sooner or later, just remember to keep on at them a bit. A friend went through similar with her bank and fraud and she had to get cross a few times but it was sorted in the end and she's now going to move banks.

Secondly, I'm in a quandry about my saving plan - having just watched my first two months' savings get eaten up by my income tax bill from a surprisingly good year, and having had a couple of very dull weeks at work, I'm wondering about going back to freelancing full time. I'd like to still save to my target, but I think I'll need to reassess how long it will take - and what I'm actually saving for, as I don't know how realistic buying a house will be as a freelancer. I think I can earn as much by dropping my part time job and freelancing more as I can staying in the status quo so it should still be realistic - it's just the uncertain nature of the income which worries me. When a contract I'm on until September is up, my income could drop dramatically (or could go up if I find another...) and I may need those savings to keep me going.

What does anyone think? Is saving more important than short-term quality of life (i.e. job enjoyment) or should I think about going back to the work I love full time?

tara747

maltpress, you are probably the only person who can honestly say which is more important to you. What do you work at and would you be freelancing in the same field? Could you take a career break to see how things go while having a paid job (i.e. safety net) to return to if things don't work out?

minidannii, you are having such bad luck hon!!! But that means that good luck is just around the corner for you. I second the advice given by others about working out carefully what would work out best financially in the long run e.g. with excesses etc. Good luck xoxoxo