Which is better - unplanned overdraft or cancelling a dd??

Shakin_Steve

iammumtoone wrote: »

You don't know what they are paying £47 for, a phone is probably included but will include other things as well. Maybe there are tied to a contract taken out before they got into money difficulties.



Again you have no idea what money the OP had to budget with and what they spend on, they may not be buying unnecessary things.

Let him have his grumble:D
It illustrates perfectly the holier-than-thou attitude shown by some people who just don't realise what it's like to live on a tight budget.

grumbler

Shakin_Steve wrote: »

It illustrates perfectly the holier-than-thou attitude shown by some people who just don't realise what it's like to live on a tight budget.

OK, can you give me an example of what a person on a tight budget can pay BT £47 p.m. for?

PeacefulWaters

Shakin_Steve wrote: »

Let him have his grumble:D
It illustrates perfectly the holier-than-thou attitude shown by some people who just don't realise what it's like to live on a tight budget.

I've lived on a tight budget. Never went overdrawn. Never bounced a direct debit. Never paid a bill late. Never went hungry. Never had the Hobson's choice of bank charges or utility company charges. Never signed up for unaffordable contracts either.

Shakin_Steve

PeacefulWaters wrote: »

I've lived on a tight budget. Never went overdrawn. Never bounced a direct debit. Never paid a bill late. Never went hungry. Never had the Hobson's choice of bank charges or utility company charges. Never signed up for unaffordable contracts either.

Yes..but you're probably a saint. Most people aren't.

Shakin_Steve

grumbler wrote: »

OK, can you give me an example of what a person on a tight budget can pay BT £47 p.m. for?

Telephone, Internet (essential, and you can't have one without the other), line rental@ £18 odd...easy.

grumbler

I am paying £30 that includes line rental and unlimited [STRIKE]fiber[/STRIKE] fibre - and I think this is expensive

Shakin_Steve

grumbler wrote: »

I am paying £30 that includes line rental and unlimited fiber - and I think this is expensive

Ok, so Rachel is on the wrong deal, hardly a hanging offence and doesn't really help with her original query. People really need to stop jumping on first-time posters (unless they're obviously asking for help with ML, or dodging payments, or drive a Citroen cactus) because, I should imagine, it's pretty hard for some people to talk about the difficulties they face, and patronising rhetoric doesn't really help, does it?
And it's fibre this side of the pond.

eskbanker

ani*fan wrote: »

Yes an emergency fund and a cheaper provider would have helped long term, but not what the OP was asking at all.

OP made it clear that she needed to make a decision last night, so all of today's comments have knowingly been about how she might avoid falling into the same trap again in future.

grumbler wrote: »

OK, can you give me an example of what a person on a tight budget can pay BT £47 p.m. for?

Unless I missed it, I don't believe OP said anything about her £47 BT DD being monthly, it could be quarterly (mine are).

YorkshireBoy

eskbanker wrote: »

OP made it clear that she needed to make a decision last night

She'd logged off by the time I was going to make a suggestion last night...and that suggestion was to ask a family member/friend to send her the (up to) £47 she needed by faster payment.

Outcome...No late payment marker from BT. No unarranged overdraft charges from the bank. No credit history damage. And family member/friend gets their money back on Monday morning, with an additional £5 thank you added to the payment. Everyone's a winner!

grumbler

Shakin_Steve wrote: »

Ok, so Rachel is on the wrong deal, hardly a hanging offence and doesn't really help with her original query.
People really need to stop jumping on first-time posters

I merely commented on your post, not the OP's - that I saw earlier but decided not to reply to as the answer was trivial.

And it's fibre this side of the pond.

Thanks for this. I wasn't sure but didn't have time to check. Corrected.

eskbanker wrote: »

Unless I missed it, I don't believe OP said anything about her £47 BT DD being monthly, it could be quarterly (mine are).

I didn't know that quarterly billing was possible for phone. My apologies if it's really the case.
BTW, my water billing is twice a year, but the DD is still monthly.