Changing how I Budget

General_Grant

k_man said:

Peterxxxxxx said:

I would like to open an account with Chase UK. I don’t have a passport. The simplest way is for me to buy a passport. This would be £75.50. 

Any feedback?

You don't need a passport if you have photo driving licence.

If you might use the passport for international travel, then you'd need to pay that any way.
On the other hand, £34 gets you a provisional driving licence and Chase do not, as far as I can see, accept only Full licences but you would need to check with them first to be sure.

Peterxxxxxx

General Grant
Thank you for the tip. I want to get a Chase UK bank account. I’ve checked with them, and they would take a provisional license.
🙂🙏

RG2015

Peterxxxxxx said:

General Grant
Thank you for the tip. I want to get a Chase UK bank account. I’ve checked with them, and they would take a provisional license.
🙂🙏

Make sure your mobile phone or tablet can access the Chase UK app. 

Many current devices are not compatible with the Chase UK app due to limited software / memory capabilities.

The best way to check is by downloading the app making sure it is the Chase UK version and not the JP Morgan Chase USA version. If your mobile device is not compatible then the Chase UK app will not be listed.

My Android mobile phone does not list the Chase UK app in the Play Store but I have access on my Apple iPad.


PS. I have just checked in the Android Play Store and searched for Chase UK and I get a message saying that the Chase UK app will not work on my device.

This is an improvement on 9 months ago when it just wasn't listed. There were pages of posts on this site about the problems people were having.

Peterxxxxxx

🙂🙏 
Thank you for the advice. I will check that.

Eco_Miser

phillw said:

Eco_Miser said:
It depends what is meant by 'deficit'.

If it means running out of money, then limiting discretionary expenditure is necessary, if OTOH, it merely means expenditure exceeding income, there's no problem, so long as there is sufficient capital/savings to fund the deficit.

If your income is generated entirely from your capital, then funding the deficit from your capital is a short sighted move (unless you know when you're going to stop needing money...) 

But yes, you do have other options. Either come out of retirement, or die sooner.

Well, I reckon I'll have stopped needing money by age 105, and actually I decided to start drawing my state pension, which meant I didn't need most of my capital any more, meaning I had the sufficient capital to fund quite a large deficit. YMMV.

Jami74

Peterxxxxxx said:

Does anyone have experience of using a Chase UK current account? I’m thinking about switching from a Nationwide account.

I love my Chase account. However, you don't need to switch. You could open the Chase account and see how you like it before transferring payments across. 

badger09

OP
May I throw in a random suggestion? 

If your figure for November Water Rates was just for that month, I would think about switching to a water meter. 

We are 3 adults (2 in their 70s & 1 40s) at home all day in a 4 bed, 3 bath/shower bungalow. Were careful not to waste any water and my bill for the 12 months to mid December was less than £140. I have no idea what we would pay in unmetered supply but I know it would be way more expensive. 

Zanderman

badger09 said:

OP
May I throw in a random suggestion? 

If your figure for November Water Rates was just for that month, I would think about switching to a water meter. 

We are 3 adults (2 in their 70s & 1 40s) at home all day in a 4 bed, 3 bath/shower bungalow. Were careful not to waste any water and my bill for the 12 months to mid December was less than £140. I have no idea what we would pay in unmetered supply but I know it would be way more expensive. 

Water bills vary by region.  SW Water is, for example, massively expensive compared to most others, even with a meter.

badger09

Zanderman said:

badger09 said:

OP
May I throw in a random suggestion? 

If your figure for November Water Rates was just for that month, I would think about switching to a water meter. 

We are 3 adults (2 in their 70s & 1 40s) at home all day in a 4 bed, 3 bath/shower bungalow. Were careful not to waste any water and my bill for the 12 months to mid December was less than £140. I have no idea what we would pay in unmetered supply but I know it would be way more expensive. 

Water bills vary by region.  SW Water is, for example, massively expensive compared to most others, even with a meter.

Fair enough. 

We’re with Severn Trent & despite having a swimming pool & fish pond in our previous home (also with ST), on metered supply we still paid less than £200 pa for water & sewage. 

I would expect a single occupier to be better off on metered supply, regardless of area. 

Peterxxxxxx

I’ve been in hospital just under a month. I’ve revised my spending sending category. All automated transactions have been carrying as usual. I’m assuming that the balance shown is the actual balance. 

I have backed up my accounts. 

What I’m things of doing is delete all non automatic transactions. Enter the actual balance on my account and then start entering transaction. This should give me a reliable record of transactions and account balance.
Any comments🙂🙏