OS Singlies - We Do It Our Way!

kacie

Morning,

I'm off work now til friday, so it's relaxing day today and then in theory get busy and catch up on everything tomorrow. Tempted to take some photos of the flooding if the rain isn't too bad and I can walk to mums.

Talking of banks, do you do online banking, I've always been wary of it, but it seems like I'm the only one not using online banking.

JustKeepSwimming_2

moneyistooshorttomention wrote: »

Just Keep Swimming

Soup is something I regard as a lunchtime meal and it takes 3 ladles worth to be a decent helping imo and it has to be wholemeal bread with it (as anything else won't be filling enough).

I tend to often grate a reasonable size chunk of cheese over the top of my bowl of it too. A bit of fat makes me feel full, to the extent that, when I've had a meal and it's one where I am wondering whether I might like some more food, I can often stop myself having that "little gap" by drinking a little bit of milk and then I'm okay until the next meal.

Thanks for this - I hadn't thought about something so easy but it should help. The mackerel chowder I made was lovely but definitely more like a casserole than soup. Did fill me up though.

Frugalsod wrote: »

Actually I am carrying on with my objectives regardless. I am not in the position to worry about losing big sums of money regardless. So even if they deduct a percentage of everyones money then I will still be no worse of than before. Once I am debt free I plan to keep more cash for such problems but these might not happen for a while. I could be in a very different financial position then. It could be several years before I have to panic, by which time I will probably be well and truly covered so really will not panic much then either.

For most people it will not be a problem. The government might restrict how much you can spend per day but as long as you prepared for any shutdowns of the stores for then you should be fine. It might become a cash economy for a while.

All this talk about the economy does make me worry, but it is something I file away in the too-difficult-to-deal-with drawer. I don't have a huge amount in savings but I'd hate to donate any of it to the govt. My DD & DS have more in savings than I do, but surely the govt. wouldn't steal from children... My Slovakian friend remembers when she lost all her money when their banks collapsed many years ago. Scary.

kacie wrote: »

Morning,

I'm off work now til friday, so it's relaxing day today and then in theory get busy and catch up on everything tomorrow. Tempted to take some photos of the flooding if the rain isn't too bad and I can walk to mums.

Talking of banks, do you do online banking, I've always been wary of it, but it seems like I'm the only one not using online banking.

I've been online banking for years & never had a problem - but it does niggle me (probably as I have no concept of how it all works :rotfl:). I don't keep much cash at home as I'm always tempted to spend it, but I may start keeping more here, locked away, just in case.

Hope everyone has a good day - the flooding is appalling & my thoughts go out to anyone dealing with it.

MummyBobble

kacie wrote: »

Morning,

I'm off work now til friday, so it's relaxing day today and then in theory get busy and catch up on everything tomorrow. Tempted to take some photos of the flooding if the rain isn't too bad and I can walk to mums.

Talking of banks, do you do online banking, I've always been wary of it, but it seems like I'm the only one not using online banking.

I do all my banking on line and haven't had any problems, but then there's never anything in my account anyway! It's a bit like my house, if someone broke in they'd think other burglars had already been here (and would feel so sorry about the mess they might even tidy up before they left) so perhaps if someone hacked into my bank account they'd feel so bad they'd put something in it :rotfl:

Enjoy your days off

calicocat

kacie wrote: »

Talking of banks, do you do online banking, I've always been wary of it, but it seems like I'm the only one not using online banking.

You are not alone in this. I don't do online banking, and I know quite a few other people that don't and don't want to. It may get to the stage where we have to at some point in the future, but until I have to I won't be I don't think as i'm happy enough with telephone banking and cash.





JustkeepSwimming.........did your friend lose ALL her money...??...jeeze.!?

moneyistooshorttomention

I don't do online banking personally. I've always been far too concerned about the risk of hacking to do that.

I just operate by getting cashback from shops when I need it or withdrawals via the arrangement Nationwide have for us to take larger sums of cash via the Post Office. These days, I have to send any cheques I get off by post to my bank, as its too far away for me to get to (being back in Home Area). The only "proper" bank I've had is the Co-Op Bank and I withdrew my money and closed the account with them some months back when I saw the first "whispers in the wind" about them and before the recent scandal about that Executive of theirs.

I'm back now with the Nationwide Building Society (as I figured that's probably the "lesser of all available evils" and not a "proper bank" as such).

I deliberately use a debit card, rather than a credit card, for all those purchases I would once upon a time have paid for by cheque (but the firm refuses to take cheques any more). That way, the money has gone from my account instantly (well...in theory anyway and I reckon its my banks' responsibility if that hasn't been deemed to have happened in actual fact, as I have the receipt that proves what date/time "instantly" was).

With credit cards, I figure that I'd possibly be waiting weeks before that money had gone from my account and meanwhile it would look like it was still there to any grasping Government even though I had spent it (as, basically, it still would be).

I still hold to the view that, if our own Government came a-stealin' from our accounts that they wouldn't dare take a "tax" on money beneath a certain amount. Reason being that lowish levels would just be money to live on until next payday and low level savings probably deliberately put by for some imminent Big Expense. I don't think the Government would want/could afford to deal with the wholescale mayhem that would ensue if we literally couldn't find a way to get at that sorta money we had aside, as we knew we still owned it, but it had been grabbed and put into Government coffers iyswim.

I also live with the fact that my "bank" has got me on a very low overdraft limit, as I cynically figure that if there were any "goings-on" by hacker type thieves, said thieves would darn soon run up against my overdraft limit and the bank would have to notify me pronto.

JUSTKEEPSWIMMING - I'd add in astonished voice "...and she's still alive....and, more to the point, so are the thieves responsible!!!!" Wow! I wouldn't care personally if there were people lying in hospital beds with broken necks if I'd identified them as responsible for money stolen from me. Tony Martin eat your heart out friend (if anyone remembers that man who shot would-be thieves some time back and HE was the one who got in trouble....).

Byatt

Well, guys, I've not read all the posts as been offline for a few days, but I do online banking, love it, not worried about hacking, although I am aware it could happen, but frankly, I don't worry about the things I can't change/do much about. I have in the past had my bank card details used to take out money from my account, back in the days of well, just using a debit card...first I knew about it, was through the police. I love the convenience, 24/7...and I don't have to deal with bank people.

I will cross bridges when I come to them now, for the most part, having thought I was prepared for every eventuality once upon a time and then literally overnight my world being turned upside down and I realise I have survived it all, not unscathed but certainly aware that I need to enjoy each day and not overthink/worry about the future. :cool:

Gosh, I've spotted some blue sky! I think most of us down here in the deep SW are going to grow webbed feet. :rotfl:

MTSTM, I'd give my right arm for a Rayburn, I could have wept when I read you had ripped it out. They are fab, fab, fab.

I'm Welsh btw, was never aware that wanting dark furniture/inherited furniture was oddly Welsh and light /plain furniture English. :cool::p

moneyistooshorttomention

BYATT

Oh what a shame. You could have that had Rayburn if I'd known you wanted it and you could have found a way to get if from here to you. You'd have been more than welcome to it. I'd have given it to you cheerfully.

Not sure if you would have still wanted it in the event that it was an oil-fired one though:eek:. Having read some peoples comments on here as to what it costs for oil, that was one of my reasons for not even thinking about keeping it, as I figured I couldn't afford the running costs. Hence my decision to stick with what I know and I brought my electric cooker with me.

Frugalsod

I do use online banking but very rarely. Though I have so many security safety systems to protect me it should be fine.

The vast majority of us should be fine with a banking collapse. We simply do not have enough to worry about. Those who have more than £50000 might have more to worry about and those who have more than £85000 in a single account are fools asking to lose their money. I heard of a couple who had problems in Cyprus, they were paying some builders to finish their home after the first lot went bankrupt and they had transferred some funds to pay it. Most was seized by the bank collapse because it literally was taken to bail out the banks. They now do not have enough to finish the building.

bugslet

kacie wrote: »

.

Talking of banks, do you do online banking, I've always been wary of it, but it seems like I'm the only one not using online banking.

Never had online banking, never had any need for it. Purely to annoy the Inland Revenue, I pay myself cash, so I wander to the bank every week anyway. Even if my money did go straight in though, I'd not need online banking.

MummyBobble wrote: »

Well who'd have thought it?



Well blow my socks off, we've been offered our hours back :j:j:j so from the week after half term my hours are up again :beer:

Good to hear that MB. But why does everyone think that employers are universally out to 'get' their workers? A few years ago, 2009 I think, we asked our staff to take a 10% pay cut for 6 months, which ended up being 10% for three months and 5% for two months. Management took 20% for over 6 months. Personally speaking, I want my staff to hang around and be as happy in their work as they can be, if I need to ask them to take a cut, it's because if I don't, none of us will have a job.

moneyistooshorttomention

Frugalsod wrote: »

I do use online banking but very rarely. Though I have so many security safety systems to protect me it should be fine.

The vast majority of us should be fine with a banking collapse. We simply do not have enough to worry about. Those who have more than £50000 might have more to worry about and those who have more than £85000 in a single account are fools asking to lose their money. I heard of a couple who had problems in Cyprus, they were paying some builders to finish their home after the first lot went bankrupt and they had transferred some funds to pay it. Most was seized by the bank collapse because it literally was taken to bail out the banks. They now do not have enough to finish the building.

Out of interest, can I ask where you get the figure of £50,000 from?

My general thinking along £10-£15k lines is to do with £10,000 and £16,000 respectively being savings limits for people on certain sort of benefits on the one hand OR Pension Credit on the other hand. Also bearing in mind how much money people might have to one side as a 10% deposit to buy a "starter" type house and I doubt the Government being "brave" (trans. foolhardy) enough to steal any of a persons house deposit on first home (though this happens/has always happened to anyone with a house deposit saved who becomes unemployed/claiming benefits before they are able to translate that deposit into being used to buy their first home).

But I cant recall a £50,000 figure coming up anywhere for anything, hence I'd be interested to know your thinking on that.

On topic of "employers out to get their workers", I guess too many of us have been on the receiving end of employers saying "This knock is only temporary or a trial or something" or seen friends who've had that done to them and then found that the "temporary" became "permanent". I had an employer like that myself....hence can understand the deep distrust of an employer saying that. I used to say about my last employer "I'd trust them about as far as I could throw them, if that" and that was about accurate...