General Chat

*shocked....oh dear, Keith, I would have to go on the old moonshine if I lived there! lol BC XX

~~~~~~~ back to BC.
Enjoy your Baileys, over here its about £6 a shot at the Hilton.

One good thing about the current exchange rate is I can send more money home ;-))))) was about AED 7.7 to the pound this time last year, now about AED 5.1

~~~waves to Keith:-) Hiya Mau, you know I think I WILL have a Baileys tonight...lol...hope you sorted out that site yesterday....BC XX

>>>>>>runs in to polish BC's Halo..........ooo how it sparkles! :O)

we use a credit card but always pay by the end of the month,banks not getting any more lol also a debit card ( very useful at the moment to pay for 1911) ;O)..........we're always canny with money! but will miss the cheques when they're fazed out,handy for presents etc.

Well done BC have a Bailey's tonight for reward!
Mau XXX

I got a shock the other month, having moved over here and paying cards off at home with payment protection, found out that payment protection not valid as moved out of country!!!!! Only been paying it for last 18 months needlessly Argggggggh.

Oh I have had a club, still have but I am very careful and always pay back more than necessary, if I stay in advance I have the chance to take a month or two off if something crops up.
I'm clear now but I never know when I may need to use it again... never say NEVER.
Deanna X

Goodnight dear Deanna....and, Sheila....I am deeply ashamed, I seem to be the only spendthrift on here! lol BC XX

lmho :-)

Thanks BC that'll go nicely with the two buttons and the penny I already have lol

Tsk tsk...here, I have a florin,,,put it towards the sinking chair fund, Cat:-) LOL BC XX

I've always had a credit card (but only ever 1!) and I do use it, but like Ann, pay it off every month. When I was younger and single I did run up a debt, but it was never unmanageable and I paid it off as soon as I could. I find it useful, espeically for internet orders, and your purchases are also protected by the credit company's terms.

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

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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helppppppppp

pmsl ;-)

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

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

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

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

ann
Glos

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

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 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

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!