Non-coupon related Drivel Thread 8

adoreholidays

fungaltendancy wrote: »

Its a good day

3 RSH codes

My neighbour just posted a pic and i realised that the snow is starting to lie

Oh and i just found out i got a distinction on my course

Off to make dinner.Poor OH had to wait till i had done the FB thing :rotfl:

Now that looks better:j:j:j


Congratulations FT

Dr.Who-Who

adoreholidays wrote: »

Where do I stand making up FB thought you could only have one

How many gmails you got? knowing you - only 1 :rotfl::rotfl: you better go ask my sis for her other accounts:D


I cannot get this to open up

http://www.elizabethshaw.co.uk/competition/

Dr.Who-Who

Has anyone seen my twin? Don't tell me she gone choc shop again:mad::(

jeferey

Congrats FT!
Managed to get a RSH code, woo!
I've just used 2 up from last freebie today for me and DD2 to watch a private viewing of the Hobbit in Leeds z week on Saturday (freebie of course )

jax.26

jeferey wrote: »

Glad I don't have to have a loan with interest Jaxxy - I get an interest free car loan at work .
If it's APR 5.5% it's a pretty good deal - it's just the total interest works out at over 10% of the loan over the term.
The deferred part means you pay more interest overall but it keeps the monthly payments down.
At the end of the term, you can choose how you pay off the deferred part of your loan. There are a number of options:

• Keep your car and carry on paying your low monthly repayments until the whole loan is repaid.
• Keep your car and pay off the remainder of your loan with a lump sum.
• Sell your car and use the money to pay off the rest of the loan. Then buy a new car with a new M&S Car Buying Plan

Only The Derbyshire has a lower rate than this and they probably haven't got the deferral option:
Did you find it here?: linky

Hi jeferey

I phoned M&S today just to discuss more details.

I worked it out as about 11% and cannot/will not allow DD to pay such interest.:eek::eek: I've never paid interest in my life, either played about with cards or saved up first!!;)

The problem is I have just helped my DS with his car, and also paid a large sum to have my garden landscaped, so this has not come at a good time.:o:o

Anyhow, I will work out something cheaper (much) and let you know the end result.

Thanks for the info:A:A

xx

jeferey

[QUOTE=jax.26;57710153
Thanks for the info:A:A
xx[/QUOTE]

You are welcome!
I really don't like paying interest at all.

jax.26

farmville wrote: »

Evening all

MT - thank you so much for my envelope :j :j :A :A :A

I did not expect all of that!! Loved your turtle sticker

I assume you all know about the RSH tonight? 1 question, I know that they would come in very handy for the next meet so what can I do to do my bit to help? I thought if it is possible to get codes it would help those who are further away IFYKWIM?

Horrible weather here just raining and freezing brrrrr I am sitting with the heating on and my coat and scarf :eek: xx

You need one of the big soft furry housecoats. I bought 2 about 2 years ago for my DD and I...and also buy them in ex large mens, thats what I buy.
There massive and wrap round every bit of the body, especially when sitting. We're only size 10 and 14 so you can imagine how big they are on us.

xx

adoreholidays

jax.26 wrote: »

Hi jeferey

I phoned M&S today just to discuss more details.

I worked it out as about 11% and cannot/will not allow DD to pay such interest.:eek::eek: I've never paid interest in my life, either played about with cards or saved up first!!;)

The problem is I have just helped my DS with his car, and also paid a large sum to have my garden landscaped, so this has not come at a good time.:o:o

Anyhow, I will work out something cheaper (much) and let you know the end result.

Thanks for the info:A:A

xx

Have you thought about credit unions not sure how quick DD would need the car. Even if not for now maybe a thought for the future if you save regular you can borrow money really cheap like 1% really good for people with not alot of money but may need to borrow quickly. These are becoming more popular with the recession. For this instance, time may be against cos you can borrow so many times what you have already saved but still worth looking into for her in the future.

http://www.moneysavingexpert.com/banking/credit-unions


reading through the above link it seems to suit smaller loans and interest is mentioned higher. But I remember my mum a couple of years age trying to get my sister to join one connected to the church as she single mum with not alot of money and she told her you could borrow against the savings at 1% but as said there are different types.

jax.26

adoreholidays wrote: »

Talking of babies and kids for the first time in 28 years we are actually parents home alone :rotfl::rotfl::rotfl::T and boy will we save on electricity washing up etc I would say washing but afraid not that will all come back home with them:(

DS1 gone to visit GF in Edinburgh for her birthday till Thurs
DS2 in Las Vegas for 10 nights
DS3 at his school
Oh yeah & baby still at supermarket


:j:j:j it does feel weird thou as there has always been one or other at home


No smutty comments from you DOC :rotfl::rotfl::rotfl:

Sounds good...

dim the lights, open a MT box between you's , get a good film on and try your best to watch it...ahem ahem:D:D :p

xx

jax.26

fungaltendancy wrote: »

Its a good day

3 RSH codes

My neighbour just posted a pic and i realised that the snow is starting to lie

Oh and i just found out i got a distinction on my course

Off to make dinner.Poor OH had to wait till i had done the FB thing :rotfl:

Well done...makes it all worthwhile.

xx