So poor I can't even pay attention

allybee101

Great news about the windfall! :T That is fab news!

Thanks for the timely reminder about making small changes. I was beginning to despair about ever paying off my overdraft. I'm going to look into some of these again and see where I can save some more.
I'm going to put the money I save/Ebay/earn into a spare (rather empty ) savings account and build it up that way rather than try to knock it off the balance of my overdraft.
When I've saved a chunk I'll use it to reduce my overdraft limit.

If you're developing a fondness for sheds perhaps you should have a look at 50 sheds of grey. It's a Twitter/Facebook thing, and there's been a book. Very amusing and full of puns. Safe to read in public! Although you might laugh out loud at some of them.

alioops78

Fantastic new Piq and couldn't happen to a nicer person and I would follow Granny's advice too.

All the pieces are falling in to place for you.

Alioops x

Baldybear

Afternoon, woot woot re the PPI So pleased for you and couldnt ask for a nicer person

Ha Ha re being interested in sheds

Noonar

Hi Piq et al
Haven't been around for a while - just so busy! Piq what fantastic news about the PPI. Life seems to be improving! I love the pots by the way.
Best wishes to all.
Noo x

Eager_Elephant

Piquant wrote: »

I didn't know I could do that. I haven't defaulted on the card payments even though it is a very high interest rate.

I am not sure your credit card will accept a full and final - they have nothing to gain.

You are paying the minimum every month and they get lots of interest from you - what's not to like :rotfl:

If they don't accept the f+f you still have to keep paying them so your credit rating is not damaged and they know that.

Also be aware that f+f's damage credit ratings so if you need to re-mortgage in the future (deal coming to an end etc) then you will struggle.

They are only going to take f+f's from people who are barely paying anything each month and they just want rid of you :rotfl:

Piquant_2

allybee101 wrote: »

Great news about the windfall! :T That is fab news!

Thanks for the timely reminder about making small changes. I was beginning to despair about ever paying off my overdraft. I'm going to look into some of these again and see where I can save some more.
I'm going to put the money I save/Ebay/earn into a spare (rather empty ) savings account and build it up that way rather than try to knock it off the balance of my overdraft.
When I've saved a chunk I'll use it to reduce my overdraft limit.

If you're developing a fondness for sheds perhaps you should have a look at 50 sheds of grey. It's a Twitter/Facebook thing, and there's been a book. Very amusing and full of puns. Safe to read in public! Although you might laugh out loud at some of them.

I honestly think folk including myself aim too high, fall off the wagon and get too demotivated and angry to start again. That's why I look at it small chunks of what can be done, eventually most things become a habit.

I've been doing the account tidy up that Mrs B does, it's a painless way of knocking small amounts off your target. I'm rounding down to the nearest five or zero. It does add up.

I remember Galleygirl putting quotes on the diary when I confessed I hadn't read the over-hyped book :rotfl:I was thinking if I got a new shed I could paint a rooster on the door, that would look rather lovely...

Piquant_2

Eager_Elephant wrote: »

I am not sure your credit card will accept a full and final - they have nothing to gain.

You are paying the minimum every month and they get lots of interest from you - what's not to like :rotfl:

If they don't accept the f+f you still have to keep paying them so your credit rating is not damaged and they know that.

Also be aware that f+f's damage credit ratings so if you need to re-mortgage in the future (deal coming to an end etc) then you will struggle.

They are only going to take f+f's from people who are barely paying anything each month and they just want rid of you :rotfl:

Now you mention it I recall reading that somewhere here on the site. I don't suppose there's any harm in asking though. I'm still chipping away at the cc with daily small amounts, sometimes under a pound [I'd like to think that annoys the !!!!!!s :rotfl:]

Piquant_2

More exciting news :T I've won a kindle :j:j:j and a leather cover for it :T:T

Now the plan was that anything I won in a competition was going to be sold on eb@y *but* I've wanted a kindle for ages [note the want not need ] I was going to treat myself when I was debt free, a kindle and a kitchen aid mixer

So I'm keeping it for me! I'm not justifying it, it's going to be mine! There are so many free books available too. I spent a happy hour or two choosing books and charging the kindle up.

Yesterday was a long boring day at the coffee shop, very quiet on the customer front all the standing about made me very stiff and tired, not to mention fatter [it was so slow there were chocolate croissants for the eating, guess who ate them? ]

Today is gardening day, hope the forecast rain holds off...

Baldybear

Sunny here, hope it is for you. Fab re the Kindle win, enjoy

HappyNow

Wow, congrats on your two pieces of good luck!! I am so excited for you .

A kindle is on my 'one day' list too (as was the PPI thing, but mine got refused !!). Hmm, you have inspired me to get back to comping......