NatWest Online Banking WARNING

Eco_Miser

Deleted_User said:

This all seems very long winded.

If I have £500 in my account and I spent £100, I know I have £400 available, whether the £100 disappears in 2 seconds, 2 hours, 2 days or 2 weeks. If I budget based on me having £500 because they money hasn't disappeared yet or because the pending transaction disappeared for a bit, I know I am onto a hiding to knowing as budgeting for £100 more than I have to spend is asking for trouble.

It doesn't need an app, pen and paper or a spreadsheet to tell me that I shouldn't spend more than £400

Quite. But 500-100 is easy, How about if you spend £99, £2.15, £37.22, and £16.56 consecutively?  That's where the pen & paper come in.

RG2015

Eco_Miser said:

Deleted_User said:

This all seems very long winded.

If I have £500 in my account and I spent £100, I know I have £400 available, whether the £100 disappears in 2 seconds, 2 hours, 2 days or 2 weeks. If I budget based on me having £500 because they money hasn't disappeared yet or because the pending transaction disappeared for a bit, I know I am onto a hiding to knowing as budgeting for £100 more than I have to spend is asking for trouble.

It doesn't need an app, pen and paper or a spreadsheet to tell me that I shouldn't spend more than £400

Quite. But 500-100 is easy, How about if you spend £99, £2.15, £37.22, and £16.56 consecutively?  That's where the pen & paper come in.

Was able to do that in my head when I was 11. Sadly, calculators and age have dimmed the brain. 

Eco_Miser

RG2015 said:

Eco_Miser said:

Quite. But 500-100 is easy, How about if you spend £99, £2.15, £37.22, and £16.56 consecutively?  That's where the pen & paper come in.

Was able to do that in my head when I was 11. Sadly, calculators and age have dimmed the brain. 

When I was 11 that wouldn't even make sense, it was all 2/11 and 21s and £1 16s 8d (just to mix up the various formats). The subtractions are (were) easy enough, but keep the running total accurate using just memory was difficult then, and impossible now.