General Chat

"Don't buy one; don't sell one but don't be without one".

mummo thats awful some people should be so ashamed of themselves

I have a joint account with my dad so I get to run the money. He has £20 a week pocket money which never gets completely spent hence there is always a sum in his secret place. (Not that secret!)

I operate a scheme called 'Mug the Pensioner' by which I raid his savings if I need some cash. It always goes back but it does work out a lot cheaper than Wonga.com. I have £100 on loan at the moment.

Other than that I try never to borrow if I can help it, it is too easy.

lmao @*mug the pensioner* :-D :-D :-D :-D :-D :-D :-D

Mummo, that reply from your old 'friend' beggars belief and just shows what he thinks of your friendship. Better off without him i think.

We do have credit cards but never put anything on there if the money is not already available to pay it off. We pay off every month and as it is 'spent' it goes in my account book and is taken out of our bank balance as if we have spent it. That is how we have always done it and have had credit cards since they first came out, never been overdrawn on them except once when the post got held up, and the interest charged was repaid to us after a letter from me. We have also bought things (like freezer etc) on the buy now pay 6 months later, but only if we already had the money and it was paid off in time so interest was not due (have to watch those deals).

I have never borrowed from friends or family or lent to either, not been asked. I would lend to family or probably give if asked. as I know it would be paid back. I would also give to good friends but fortunately I don't think any of them are likely to need helping.

Hypothetically, if I borrowed from either friends or family it is not in my nature to not pay it back.

There is though a very good reason to have a credit card which some people forget, and that is it often covers you if something goes wrong with the purchase of an item or holiday etc where if you'd paid cash you would lose out.

Yes, true Rose, I forgot to mention that.

Ann, I only thought of that after you'd mentioned buying a freezer, when I got the kitchen here done it was on a buy now, no interest for 6 months deal, and it was re-assuring to know it was on the card in case anything went wrong. That one I did pay off without any interest.

I'm not a borrower or lender,,,,,

dont have CC card,,,,,,and hanvt for many years....

have lent to friends and some have been very large amounts but its always been paid back. family have never asked to borrow cash....

I keep a book---------incoming --------outgoing.

balance --is mine,,,,,

:-D

I am with Pork Pie on this and its true, if it was left up to me 20 yrs ago me and Itsmytelly would of been hocked up to the eyeballs but Itsmytelly put his foot down firmly I hated it at the time but so grateful even though I resented it at the time. It is true the harder you work for it the more apprecitate it.

Like Muffy I would hate to see my family or friends struggle, but if I borrowed money I would be terrified I may forget and I would truamtised. :-(

I said earlier i had been stung before, Here is what happend the last time i loaned anyone any money

I was friends with a guy for 20 years
In the early 1990’s he was about to go to st Lucia to get married his 2nd marriage,
He had paid the deposit and him and his girlfriend worked for the same company but just before he had to pay the remainder on his wedding they both got made redundant,
They where heart broken about this and asked if I could help,
I lent them £2000 so they could go ahead with their wedding
Within 2 weeks of them getting back they both had new jobs and after 12 months I had not had any offer of them paying me back so I said to my mate if things are still hard I would be happy for him to pay me back in instalments, after that every time I rang or went round to see him he was always (out)

Then I was in the pub one night 2 years later and another friend said you heard about *** I said no what he done now, he said he has just won £75000 on a scratch card and is flashing his cash around he’s got a new car and booked a holiday in the Caribbean ,

So I went round to his house and said congratulations on your win, any chance on you paying me my money back he said,
yes there is no chance of you getting your money back.

What happened next I cannot post on here as I don’t want to incriminate my self in any future court case

Roy

When my children were little(four of them) sometimes we couldnt pay our bills,hubby was working full time but bills and mortgage and clothing and school uniforms,we sometimes got behind,so mum and dad and mum in law helped out,and we were very grateful,all money was paid back within wks.
I also lend money to family,but its always paid back in the end,
IM lucky that i dont have to lend money or get loans any more,children grown up and working full time and ive got a good job.x :-)

i will give my last to anyone who would ask, i lend to a friend who is on her with kids not by choice, i am on the breadline and have no savings, i know i can ask if i needed too, she always pays back, i havent needed to ask, i always make sure ive got spuds in, oh says i manage the money fine, its against robbing peter to pay paul though sometimes

...

one that did turn my stomach, a old member who didnt stay around to long, took advantage of a lovely lady on here, i dont know wether she paid her back, i hops so, my old lady friend of 83 is always trying to throw money at me or oh if we do a errand for her

Joy my lovely..can I join you?

...........................................

There's a certain poetry about those there dots isn't there ! lol x

their sure is
breaths in negativity breaths out possitvity

dont know what you are talking about puss enlighten me

Been there. Done that. Loaned someone close to me a rather substantial amount of money because they were in dire straits and at the time I could afford it.

Pay me back when you can I said.

To cut a long story short .... a number of years later I was in a similar situation to them. At the time they were enjoying foreign holidays, new house, cars etc but no repayment received. "Any chance I can have some of the money back I loaned you" says I. Their reply was "Sorry, no chance. Interest is too high" :-0 :-0.

Since then, my money is my own. No credit or debit mnycards, everything is paid in cash.

Parasites :-(