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Rambling on...
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I have an overdraft option on my current account but just ignore it. I wouldn't get rid of it though as it's a safety net just in case. Years ago my mortgage payment went out twice by mistake which made me go overdrawn when I didn't have an agreed overdraft. Cost me a bomb, although I got the fees back from the mortgage provider as it was their fault not mine.
So if you can trust yourself go for it, otherwise don't put temptation in your way.I get knocked down but I get up again (Chumbawamba, Tubthumping)0 -
Thanks Sun Addict
My perspective has shifted since I came on here and I now have a much better approach to finance and credit etc.
I do believe that I can trust myself. An overdraft would be an emergency safety net only.
I would treat it as if it were not there IYKWIM...
Thanks
BUGGRITMILLENIUMHANDANDSHRIMP I TOLD EM! - Foul Ole Ron
It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
R.I.P. T.P.0 -
Hope you've had a good day
Weekend nearly here
x“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0 -
I also have an OD on my account & very rarely use it.
JUst there as a safety net.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
A word of caution on the bank review - they will be suggesting a product that might make them some money... banks are not charities after all. Maybe retail banks should be not-for-profit.... Can you imagine the fall out if that were pronounced :eek: :rotfl:
Hope you had a fabulous weekend!26.2.19/14.1.19: T MC 3629.26/3629.26 : VM 0% 1050/13876.59 : W 0% 100/1485 = 4409.26/18990.85 =25.17%28.1.19/28.1.19 Hubs 0% £400/£2,977 =13.44%SPC 2019 #073
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Agree with Luc re bank review.
Got caught out once & never again :mad:I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Thanks folks
No way will I be taking a fee paying account or any that has alleged benefits that actually only benefit them...
I am thinking of just stepping up to their standard current account.
Had a busy but good weekend adventurising with GF and the dugs
Work continues to be busy but manageable thanks to my excellent PA
Finances are going to be tight into 2019, I will be putting money away though so it's all good.
Hope everyone had a good weekend
:ABUGGRITMILLENIUMHANDANDSHRIMP I TOLD EM! - Foul Ole Ron
It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
R.I.P. T.P.0 -
Hope all is well US
P.s still no credit I didn't ignore your text
x“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0 -
Morning Folks
WannabeFree - I guessed you were needing a top-up Hope your appointment goes well today and that the wee lassies are feeling better.
Not a lot happening other than busy at work...
Had a good weekend, walking in the local hills with GF and the furries on Sunday with a lovely Pub lunch afterwards
Have volunteered as a walker with my local dog rescue at weekends and hope to get started with them this coming weekend. It's just a couple of hours on Saturday and Sunday afternoons, so looking forward to helping out with the doggies
Hope awbiddy is grand
:ABUGGRITMILLENIUMHANDANDSHRIMP I TOLD EM! - Foul Ole Ron
It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
R.I.P. T.P.0 -
So envious of the dog walking :j :jI am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0
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