General Chat

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at how many I have! I was given a lovely present today (a nice fat cheque), and was dreaming of a new TV, bunkbeds for the grandchildren, a nice holiday, etc....BUT I decided to pay off my credit cards. I feel very virtuous now as I have cut up FOUR and now only have one:-) ...*gulps....how did that happen then? lol BC XX

Best way Nice one

*sighs...thank you Darklord....wish it made me feel better! lol

I paid off my last credit card last week by using my cash ISA.

The interest I was paying was enormous compared to the amount I was accruing.

Now the money I was using to pay the credit card each month can go into the ISA instead.

Does anybody else remember saving up for things?

BC - they breed in your purse - well mine do and then they go off shopping on their own too **eek** xxx

Sharron, I have to say I have never saved up for anything! I am the worlds worst where money is concerned. But I am very good at paying back what I owe. BC XX

I have a card left but do not have a cheque book or a debit card. Everything is cash. Amazing what discount you get when waving a fist full of 20s about.

Yeah I save up, if I cannot afford it I save up till I do

Hiya McAnne...I think I must have had a lot of holidays and trips with mine! Have nothing much else to show for them! lol BC XX

Well done BC the way things are moving credit cards are the very last thing we need.
I have never had one.
Experience of never having had very much as a young mother taught me that cash is a wonderful thing...... you learn to be good with it don't you?
I hope we all survive this next couple of financial years... ;-0)
Deanna X

I've only got a debit card - being a relatively recent graduate it is scary how ready banks are to give you loans and credit cards but I avoid them like the plague. If shops won't take my cash or my debit card, they don't get my custom!

I've started a loose change fund at the moment - any coins worth 5p or less are going in a jar and when it's full, I'm banking it!

I know, Deanna, and I think the thoughts of lean times a-coming has spurred me on to be good! And well done, Kate, for good managing! BC XX

Well done BC !!
Like Deanna & Kate I've never owned a credit card. Just use my debit card or cash.
If I can't afford something I want, then I'll save up for it.

Steve :o))

I use credit cards all the time but never spend more than I know is in the bank to pay them off. We have one for internet use, one we use abroad (because they don't charge extra, and two others. But all are paid off every month, we have never carried anything forward. That way I am using them not the other way round. and I bet the CC companies hate us!

ann
Glos

Sorry, double posted yet again. either this site or blueyonder is playing up.

ann
Glos

I dont have any cards I am a bit old fashioned if I want something then I will save for it !!

Well they just LOVE me Ann! lol The amount of interest I have paid over the years, I dont want to even think about! BUT I have no regrets...I had a lot of fun with them! Thanks Stephen, I shall try and emulate all the good folk on here, in future:-) BC XX

Quite right, Sue:-) *polishes new halo......lol.....

Well done BC :-)

Now with the money you'll save each month that was previously spent on these cards you can save for a holiday or donate it to the Cat fund for a new computer chair to stop me from s
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pmsl ;-)

Good for you Kate... I do that too.
I used to do that for my granddaughters when the were little. At Christmas we counted it and took it to the bank to exchange for what they thought of as REAL MONEY. That was how we bought their mummy a nice Christmas present.
And BC... it made me laugh when I heard on the news... ages ago..... that people were saving money by shopping at the cheaper shops.
Since we always did, we have nowhere else to go now... ;-0)
we have been shopping at Lidls since it came here 20 years or more.
Well... I am making so many mistakes I think I must me tired.... so good night all you lovely peeps, and look after yourselves.
Deanna X