How much can you save?

minidannii

tara747 wrote: »

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

I know i hate how one minute everything seems fine, i was saving well, next i have so much bad luck.

not just that people are talking about it at work and getting stories mixed up, funny how there was only a few people now its around the work and people are trying to be smart.

can't believe it will be 3 weeks on wed not heard anything from the bank, so yea its been a whiole since i had money, i hate not being able to spend:(

minidannii

briona wrote: »

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

can't really go ask her to get the cheapest rates shes a manager at my work, theres about 30 managers in my work and shes one i have never spoken to untill yesterday, so i guess i have to be shocked when i get my new insurance quote

minidannii

tara i do like your

30,000 squats in 2010 440/30,000

but really you need to get a move on considering you will have to do around 3000 a month ?:rotfl:

rictus123

Aw are you buying yourself Tara? I know im being so nosey here but id love a copy of your SOA if you are saving £10k a year!

minidannii

ok so am searching for email address for tsb, only one i could find was Chief Executive of the bank, and is that not really high up ? not sure if i want to do that, but when they said a month, i thought it was to cover themselves so it was done before then.

i found on another money forum the person actually emailed back about the complaint, and was really nice about it.

tara747

minidannii wrote: »

tara i do like your

30,000 squats in 2010 440/30,000

but really you need to get a move on considering you will have to do around 3000 a month ?:rotfl:

LOL yes I know!!!!! :rotfl:

rictus123 wrote: »

Aw are you buying yourself Tara? I know im being so nosey here but id love a copy of your SOA if you are saving £10k a year!

OK I will try to post one soon!

minidannii

maltpress wrote: »

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?

oh btw about your friend swapping banks, i once had fraud on my account my it was sorted before it came out, so i never really classed it as fruad, anyway the woman on the phone was more interested in my taking out an overdraft to cover the transactions that were coming out, i kept saying am not taking out an overdraft, but thats all she was interested.

then my dad phoned and said if its not sorted we are all changing banks.

i logged into my account a few later then the money was back

thing is this time for the amount am sure they would just tell me to change banks.

tinkerbel

moved accross the 'random' £2.41 from my account to savings today and have worked out that I've paid £1675 back to myself (although a big chunk of this came from my mum) I need to put another chunk in from my student loan which has just come through, just need to work out how much I am likely to need though. I recon I can put about £1000 though, so only £1000 more to find (eeek!)

minidannii

3 weeks today

I only took out a 1 month overdraft, as when i reported it they said it could take up to a month, so don't know what to do.

I even wrote on the second letter which was sent last week i am stressed after waiting a few weeks and not hearing anything.

Vixstar

Dannii I know this is not much help but ring them again at least you'll know what's happening, also as last time they hadn't received your letter at least this time you can check they definitely have it and are doing something with it. I find it really hard to phone people too but I think for £10000 its defintely worth annoying them with regular phone calls.