The "Pay ALL your debt off by Xmas 2012" challenge

psychopathbabble

Sorted my interest on CU loan and paid a fiver towards the cc today... so now my total is 224.22/6492.82 (3.45%!)

Applied last night for a top-up of £560 on the CU loan at 12.7% to pay half of whats remaining on the 27% cc which hopefully means I could get the rest paid off in the next 3 months or so.

I have a dilemma...

Me, my housemate and a few friends went out on Monday night. There was 6 of us left in the house yesterday morning and we decided to go out for lunch. I went out first with my housekeys as my housemate was scared to (one of our friends accidentally fell into and broke next-doors fence, this would be funnier if they didn't already hate us!) so I'm not sure who was last to leave but when my housemate came back to try and get ready for work she realised she didn't have her key. Unfortunately, it was still in the lock! As it's a new door, if the key is in the door, you can't open it from outside with a key. We ended up having to call a locksmith which cost £55. I can't really afford to pay towards it BUT feel bad not doing so. Now, I don't really feel like it's my fault as I had my own keys and wasn't the last out.... do you think I should give even just £10 towards it? MrS gave a fiver towards it as housemate and her bf didn't have quite enough cash on them to pay the guy.

antonia1

psychopathbabble wrote: »

I have a dilemma...

Me, my housemate and a few friends went out on Monday night. There was 6 of us left in the house yesterday morning and we decided to go out for lunch. I went out first with my housekeys as my housemate was scared to (one of our friends accidentally fell into and broke next-doors fence, this would be funnier if they didn't already hate us!) so I'm not sure who was last to leave but when my housemate came back to try and get ready for work she realised she didn't have her key. Unfortunately, it was still in the lock! As it's a new door, if the key is in the door, you can't open it from outside with a key. We ended up having to call a locksmith which cost £55. I can't really afford to pay towards it BUT feel bad not doing so. Now, I don't really feel like it's my fault as I had my own keys and wasn't the last out.... do you think I should give even just £10 towards it? MrS gave a fiver towards it as housemate and her bf didn't have quite enough cash on them to pay the guy.

I would say you are under no obligation - it is your flatmate's responsibility to know where her keys are, why was it left in the door in the first place?! Is your flatmate asking for the money or do you just feel bad not offering?

HelenPie

:rotfl: Transferred the £16.72 from last week's challenge to my credit card and it took the balance to exactly £3,820 (pure coincidence). I thought that would make some of the more obsessive in here smile
Unfortunately they've just applied this month's interest so ruined it now

psychopathbabble

antonia1 wrote: »

I would say you are under no obligation - it is your flatmate's responsibility to know where her keys are, why was it left in the door in the first place?! Is your flatmate asking for the money or do you just feel bad not offering?

I feel guilty not offering... when her bf said it would be no more than £100 yesterday, my reaction was 'even just a hundred is a lot when I have NO money!!!' to which my housemate responded that she will have to pay it anyway and promptly got upset (she thought that us trying to hook the key out through the letterbox would work instantly so got upset and frustrated when it didn't work). I don't think they would ask me, but I tend to overthink things anyway and feel guilty about everything and I'll feel awkward about it all when she eventually comes home and I'm here

ETA: She has just got back and definitely seems to be funny with me... barely said hello and went straight upstairs!

antonia1

psychopathbabble wrote: »

I feel guilty not offering... when her bf said it would be no more than £100 yesterday, my reaction was 'even just a hundred is a lot when I have NO money!!!' to which my housemate responded that she will have to pay it anyway and promptly got upset (she thought that us trying to hook the key out through the letterbox would work instantly so got upset and frustrated when it didn't work). I don't think they would ask me, but I tend to overthink things anyway and feel guilty about everything and I'll feel awkward about it all when she eventually comes home and I'm here

ETA: She has just got back and definitely seems to be funny with me... barely said hello and went straight upstairs!

Could you try just talking to her? Say that you have no money and you don't feel you should pay as it was nothing to do with you but you really don't want to fall out about it?

jakes-mum

psychopathbabble wrote: »

I feel guilty not offering... when her bf said it would be no more than £100 yesterday, my reaction was 'even just a hundred is a lot when I have NO money!!!' to which my housemate responded that she will have to pay it anyway and promptly got upset (she thought that us trying to hook the key out through the letterbox would work instantly so got upset and frustrated when it didn't work). I don't think they would ask me, but I tend to overthink things anyway and feel guilty about everything and I'll feel awkward about it all when she eventually comes home and I'm here

ETA: She has just got back and definitely seems to be funny with me... barely said hello and went straight upstairs!

Honestly, I would say nothing and let her get over it. Why should you be out of pocket because her head was in the clouds when she walked out the door? She can be as funny with people as she likes, but having to fork out £55 out of her hard earned money due to her own stupidity may teach her to check she has everything before she shuts the door.

I see it the same as digging family out of their debt, if you go sorting their problems for them how will they learn to stand on their own two feet? If you bumped into her in town and she offered you a lift home and upon getting to the car you find shes parked on double yellows and got a ticket, would you feel obliged to pay half? SHes the one who caused the locksmith to be called out so she pays

Rant over :rotfl:

jakes-mum

£40 paid of DH's credit card which brings it to a nice £2950

New total is . . . . . .

£850.27/£8806.89 9.65%

ooooo getting so close to 10% cmooooooon :rotfl::rotfl::rotfl:

psychopathbabble

jakes-mum wrote: »

Honestly, I would say nothing and let her get over it. Why should you be out of pocket because her head was in the clouds when she walked out the door? She can be as funny with people as she likes, but having to fork out £55 out of her hard earned money due to her own stupidity may teach her to check she has everything before she shuts the door.

I see it the same as digging family out of their debt, if you go sorting their problems for them how will they learn to stand on their own two feet? If you bumped into her in town and she offered you a lift home and upon getting to the car you find shes parked on double yellows and got a ticket, would you feel obliged to pay half? SHes the one who caused the locksmith to be called out so she pays

Rant over :rotfl:

Kinda how I feel

I think she kind of blames whoever was actually last out of the door, but why would our friends think about keys in locks or whatever... I just feel bad because she got so upset, but as you say it wasn't down to me. Also, I actually phoned the guy who only cost £55 so she might have ended up paying more if she went with the first person.

I just don't want it to cause problems with us, I hate living in a house where there is tension as I grew up with it and I think home should be a place where you can all relax and not worry! (see i told you i overthink things!)

On the moneysaving side... the money I might pay her will end up on the cc if it doesn't go to her!

ETA: It wouldn't cause me major problems with money giving her some towards it, but I have a strict budget and need to start sticking to it, (i keep using my car mot fund for stuff!)

jakes-mum

Its still money you earnt that you are paying toward a situation that arose through no fault of your own, if she blames another housemate for leaving last and not checking that keys were not in the door, then her gripe is with them not you. Underatnd the whole tense house thing, just dont want you to pay what equates to approx 2hr work on NMW after tax for someone elses idiocy.

Just keep being nice to her and talking to her like nothings wrong, she'll get over it after the sting in her wallet wears off Plus all your other house mates are obv nice so I doubt her tantrum will last long as they are prob alot more thick skinned and one will tell her to get over herself at some point :rotfl:

psychopathbabble

jakes-mum wrote: »

Its still money you earnt that you are paying toward a situation that arose through no fault of your own, if she blames another housemate for leaving last and not checking that keys were not in the door, then her gripe is with them not you. Underatnd the whole tense house thing, just dont want you to pay what equates to approx 2hr work on NMW after tax for someone elses idiocy.

Just keep being nice to her and talking to her like nothings wrong, she'll get over it after the sting in her wallet wears off Plus all your other house mates are obv nice so I doubt her tantrum will last long as they are prob alot more thick skinned and one will tell her to get over herself at some point :rotfl:

I hope so! (they are friends not housemates ) We will see.. thanks for the support x