The Big Adventure

Karmacat

Thats a good idea about checking the finance! Great that you got a new car you really like and feel comfortable with

I can't imagine you'd get turned down for a loan! But even if you do, so what, really? You've worked hard on planning your finances - if the computer programme the finance company uses doesn't understand your budget, its their loss. You're an Advanced Early Retiree - foreign concept in the finance industry, they'd be out of a job if we all managed what you've done

:T:T

Watty1

Go for the loan - see what they say! If you are turned down then :j you've defeated the industry :rotfl:

Goldiegirl

Hello everyone!

Well, I had the call from 'the manager' about the loan.

I was moving towards an application for the loan, so I asked for a quote for the monthly payment. It was only when I got the quote, I realised it wasn't a loan at all, it was one of those PCP things.

You put down a small deposit, pay a lowish monthly payment for 36 months, and then at the end you either hand the car back, buy another car using the current car as the deposit, or pay off the rest of the monies owing.

The reason they'll lend to anyone is because, if payments are not made, they can repossess the car without a court order.

Obviously, I wouldn't miss a payment - but at this stage in my life I'm not comfortable with that sort of arrangement. We don't owe anything to anyone and we are not beholden to anyone. With this PCP type of thing, Toyota would have an interest in the car until the plan was paid off, so I'd feel beholden to Toyota.

It's a principle thing as much as anything - I have independence, and I want to own my car without anyone else having an interest in it.

So I declined the offer. It's not easy saying no to a high pressure salesman...... No wonder people get sucked into things they later regret.

Later in the year I may well apply for another current account when the 5% on Nationwide ends. I don't think a big credit commitment on a low income would help any application.

After reading Newgirly's thread about Meerkat Movies, I've been on the compare the market website. I bought myself a one day travel insurance policy ( for a day when we are going on a coach trip) for £2.67. I tried to sign up to the Movies but it didn't work:eek:

I emailed, and they said it could take up to 72 hours before my policy details are logged on the site. So I'll try again early next week.

Apart from that, we've washed the net curtains for the front windows, washed the windows, and went for a good walk. A very nice day:)

gallygirl

Never mind all these finance shenanigans, what colour is the car

Karmacat

Thats very different from a loan, from the sound of it! Good for you for turning it down.

Great comment from Gally :rotfl: and now *I* want to know the colour as well :rotfl:

Goldiegirl

:rotfl: Obviously the most important thing of all !


It's a rather fetching light blue, with a hint of lilac. As this is the only car in the household, Mr Goldie is still coming to terms with the prospect of driving a lilac car! :rotfl:


The washing of the rest of the net curtains has been put on hold due to unexpected rain showers this morning. Even though it's sunny now.


There's always tomorrow. I need to attend to eBay this afternoon, I have some things that will sell, and it's be nice to prep a few other items for listing

BookWorm

Hi Goldie

I seem to recall that you don't eat much ham/gammon now due to the high levels of salt. I have just happened across a tip and I thought of you.

Apparently if you soak a gammon joint in plain water (change the water a couple of times) and then cook as normal - apparently it takes away a lot of the salt.

Not sure if will be of use to you or not but wanted to share

Goldiegirl

BookWorm wrote: »

Hi Goldie

I seem to recall that you don't eat much ham/gammon now due to the high levels of salt. I have just happened across a tip and I thought of you.

Apparently if you soak a gammon joint in plain water (change the water a couple of times) and then cook as normal - apparently it takes away a lot of the salt.

Not sure if will be of use to you or not but wanted to share

Hi BW, one of the things that I miss is lovely boiled ham ( not to mention bacon sandwiches)


I had a look at the salt content of gammon joints on the Sainsbury's website. If roasted, they have a massive 4g of salt per 100g meat:eek:. Considering a 'normal' person should only have 6g of salt a day, that's a crazy amount!


I think a good soak in water before boiling does lower the salt content, but for me it would unfortunately still be too high:(


But thank you for thinking of me - I love any ideas that might help me have low salt treats.


My current idea is home baked beans. I've printed a couple of recipes and I'll get the ingredients this week. Even lower salt tinned beans have too much salt for me, so I'm going to do it myself:)


Quite a productive day here


Remaining net curtains washed and rehung


Cruise booked for summer 2016:j (British Isles, should be good) at least we've booked lower price cabin, so slightly MSE :rotfl:


Nine eBay sales over the weekend. Seven paid for and packed.


Requested my dad's army records. I've been meaning to do this for years, but have been spurred into action by an amazing book I'm reading about my dad's regiments experiences in France in 1940. It helps to explain why my dad told me that he made his own way home from France, after the evacuation at Dunkirk. According to this book, they were still fighting two weeks after Dunkirk. They were completely cut off by the Germans, and the commanding officers had no option but to surrender. Many of the soldiers were taken as prisoners of war, but it appears that my dad was one of the very few who escaped. I'm hoping the army records will shed more light on this. It'll take months for them to arrive, but I feel completely astonished. I had no idea about all this.

ljaneyr

Hi goldie,

That is a fascinating window into his life. What always shocks me about things like that is that it's not that long ago, and yet it seems so distant.

Good luck with the army records

Karmacat

That sounds amazing, Goldie!