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Struggling along as best I can

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  • kayannie
    kayannie Posts: 534 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    It's too cold here to sit outside even if well wrapped up & now it's started raining!

    I thought I'd lost my debit card a few weeks ago. I always keep it tucked inside my phone case so that I've always got it with me. I hunted high & low before giving up & ringing the bank in a bit of a panic. I had been holding on for over 30 minutes when I just happened to move a blanket that I'd had over my knees earlier and the card fell out!  So much for hunting high &low!  For once I was glad that the phone hadn't been answered quickly as a stop would have been put on my card & I would have been several days waiting for a replacement. 

    I found someone's card in the middle of nowhere last year. I tried ringing the number of the bank on the back of the card but it was impossible to talk to anyone at the bank - none of the automated options would let me get through to someone. The following day I took the card into a bank (not the cardholder's bank) and was told to just destroy it, which I did. As we live in an area popular with holiday makers, I hoped whoever had lost the card didn't have a ruined holiday!
    KA
  • Cherryfudge
    Cherryfudge Posts: 13,206 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Losing a card is scary - I did it recently but it turned up in some weird and wonderful place at home before I got through to the bank. (Wonder if banks deliberately keep people on hold to give time for cards to reappear...?) You have made me think, though - best to keep a bit of a cash float because you never know when it might be needed.
    I think a bit of sunshine is good for frugal living. (Cranky40)
    The sun's been out and I think I’m solar powered (Onebrokelady)

    Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
    2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
    20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/22
  • Cherryfudge
    Cherryfudge Posts: 13,206 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    edited 19 September 2024 at 9:54AM
    The solution is to have two current accounts each with a debit card. Each account should be with a different bank or building society. This will also enable you to access funds should there be an issue (like a technical failure) with a account at one of the bank's or building society.
    And keep the debit cards separate in case you lose your wallet or purse. :) 
    I think a bit of sunshine is good for frugal living. (Cranky40)
    The sun's been out and I think I’m solar powered (Onebrokelady)

    Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
    2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
    20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/22
  • nannygladys
    nannygladys Posts: 3,235 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    kayannie & Cherryfudge - I went onto my banks website as I don't have the app and reported it lost on there, they then sent me an email to confirm it, so no waiting in a queue for anyone to answer, the only wait was for the replacement card that was a lot longer than the 5 working days!! But as I'd already drawn my cash out I was fine. I mostly use cash still and try to avoid supermarkets now as well, using local markets and traders etc. 
    £1 a day 2025: £90.00/365 Xmas fund
  • nannygladys
    nannygladys Posts: 3,235 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Baron_Dale - i do have other banks saving accounts, but I put money in and very little comes out. They are my safety net but I would have to use them if I really needed to. Upto a few months ago I did hold some cash at home, but I have had some work done on the house and used most of it, I really ought to start putting some more away.
    £1 a day 2025: £90.00/365 Xmas fund
  • KxMx
    KxMx Posts: 11,125 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 11 June 2024 at 8:06AM
    I have two bank accounts with debit cards, two credit cards (one Visa & Mastercard), one debit & one credit card get carried around with me, I keep about £20 cash at home (usually for local chinese :wink:) and maybe £5-10 in my purse.

    I feel well covered for most eventualities. 
  • kayannie
    kayannie Posts: 534 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    I've just made elderflower cordial - I make it every year & still have a small bottle in the fridge left over from last year. I love it, but being pre-diabetic I hardly drink it because the amount of sugar in it is horrendous! My OH loves it too, so I make it mainly for him. 

    I haven't been very lucky getting a L!DL box lately, they seem to go early so today I caught an early bus into town & got one, but even at 8.30 there weren't many left. I'm now sitting in my favourite coffee shop having a lovely cappuccino, waiting for the next bus home. I think the cost of the coffee cancels out my bargain box, but it is a rare treat!
    KA
  • Makingabobor2
    Makingabobor2 Posts: 4,205 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    sorbet sounds delicious. What recipe did you use?
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £28,744....its going down

     Mortgage Free December 9th 2024! 
    18mths ahead of schedule.  Since 2022 we paid over £15K in OPs.

    Challenges

    EF #68  £500/£3000
    .
    Fiver Friday '25 #10 £15

    Studies/surveys  July £79.31

    Decluttering items 755

    Books read    12
    Jigsaws done  8

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


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