Xmas/New Year Overspend............. - Page 2

MargaretR · 03-01-2009, 13:53

I pay off my credit card in full every month (I never pay interest) and am paid cashback for using it.
Mid January my card will be in credit when I will get a cashback credit of £25 approx

BERNADETTE · 03-01-2009, 13:57

Quote:

Originally Posted by MargaretR

I pay off my credit card in full every month (I never pay interest) and am paid cashback for using it.
Mid January my card will be in credit when I will get a cashback credit of £25 approx

How many people could say that though Margaret? Well done you but think you are one of the very few.

jaysay · 03-01-2009, 14:01

Quote:

Originally Posted by Benipete

You could say that,waiting for my gob to heal after the tongue op.Should be back in form shortly,pain receding.

Forgot about the tongue op Beni, but would have thought the Amber Nectar would have eased the pain even more

jaysay · 03-01-2009, 14:03

Quote:

Originally Posted by MargaretR

I pay off my credit card in full every month (I never pay interest) and am paid cashback for using it.
Mid January my card will be in credit when I will get a cashback credit of £25 approx

I have never paid one penny of interest on my cards either Margaret, I just use mine as a convenience as I get a lot of stuff on the net and phone

cashman · 03-01-2009, 14:09

Quote:

Originally Posted by MargaretR

I pay off my credit card in full every month (I never pay interest) and am paid cashback for using it.
Mid January my card will be in credit when I will get a cashback credit of £25 approx

same here, though i dont get cashback?

aint overspent never really do. had problem with car xmas eve, aint bin able to drive since, have to ring mechanic tomoz he said, so thats a surprise worth waiting fer......i dont think.

harwood red · 03-01-2009, 14:12

Spent miles more than I usually do but I am fortunate to be in a financially good place

in my life.

Credit cards in this day and age are almost a necessity when it comes to purchases over £100 purely for the insurance cover if anything goes wrong..i.e. the company going bust before you get your items

jaysay · 03-01-2009, 14:38

Quote:

Originally Posted by harwood red

Spent miles more than I usually do but I am fortunate to be in a financially good place

in my life.

Credit cards in this day and age are almost a necessity when it comes to purchases over £100 purely for the insurance cover if anything goes wrong..i.e. the company going bust before you get your items

There's a hell of a lot of sense in that HR, that's why I always us my CC instead of my DC when buying things

harwood red · 03-01-2009, 15:33

Quote:

Originally Posted by jaysay

There's a hell of a lot of sense in that HR, that's why I always us my CC instead of my DC when buying things

thank you kind sir

West Ender · 03-01-2009, 16:28

I use my credit card the same way as H R and pay it in full before it attracts any interest. I never spend money I haven't got and I have never been overdrawn with my bank. We've had a very good Christmas/New Year without overspending.

Nik, for her part, had been buying shopping vouchers all year, through work, and had over £200 worth to spend in various shops and stores - so that was her Christmas presents sorted.

BERNADETTE · 03-01-2009, 16:33

Yes I save all year for the shopping vouchers, I know people think they are a con but wouldn't like to be without them myself

And yes I know I could put the money in the bank but there is always the temptation to "borrow" it when money is short

West Ender · 03-01-2009, 17:38

Quote:

Originally Posted by BERNADETTE

Yes I save all year for the shopping vouchers, I know people think they are a con but wouldn't like to be without them myself

And yes I know I could put the money in the bank but there is always the temptation to "borrow" it when money is short

No con as long as you can trust the person collecting the money. She just banks it then arranges for the vouchers (all sorts, like M & S, Top Shop, various toy shops, it covers everything). I put my money in the bank but Nik knows she'd draw hers out and spend it before Xmas.

BERNADETTE · 03-01-2009, 17:59

Quote:

Originally Posted by West Ender

No con as long as you can trust the person collecting the money. She just banks it then arranges for the vouchers (all sorts, like M & S, Top Shop, various toy shops, it covers everything). I put my money in the bank but Nik knows she'd draw hers out and spend it before Xmas.

Ohhh Nik could be my twin

Yes my collector is very trustworthy and also very grateful for whatever she earns for doing it.

She is more than welcome to her commission I wouldn't like all the hassle

lindsay ormerod · 03-01-2009, 23:53

Just be careful with the vouchers you buy for this Christmas, half the stores on High Street Vouchers won't be there come December 2009 !

cashman · 04-01-2009, 00:08

Quote:

Originally Posted by lindsay ormerod

Just be careful with the vouchers you buy for this Christmas, half the stores on High Street Vouchers won't be there come December 2009 !

that is damn good advice, hang on a while n see what develops i would say.

MargaretR · 04-01-2009, 00:39

Interest rates on savings has dropped yet again so when one of my fixed rate deals ends next month I will get 0.88%net interest - I might as well spend it on a dishwasher, and a washer dryer and put the rest in Premium Bonds