Omega Owners Forum
Chat Area => General Discussion Area => Topic started by: Martin_1962 on 16 April 2009, 23:21:48
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Is so depressing, been checking statements.
Additionals are a meal for Sues birthday, £100 spent at VX and tools, £92 filling
However over £400 at Tescos, over £200 utilities
In fact utilities and council tax about equal to mortgage
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Thats not good .... been there got the T-shirt ... in 1978 when the mortgage rate hit 18% at one stage my standing orders per month were more than my pay .. :( luckily we managed to sit it out but it was close ... My mum was lending me money to buy bread and baked beans .. thats what we lived off for 3 months !! Luckily, at that time, we had no kids.. so it was just us.
Then Chris found a job and we (the Forces) got a huge pay rise from the labour government trying to "buy" our votes ... my wages went from £5700 a year to £7100 ...
We found some paperwork last year and had a laugh ... at that stage my mortgage for the basic house was double what I was paying 6 years later after 2 extensions !!! 18% and 6% interest rates were very very different !!
I suppose the moral of this is "stick it out"... things go around and improve, then go around again and get worse ... it just depends where you are sitting in the cycle ... this time round we have no mortgage when the rates are low, but have savings that are doing sweet F all .. :(
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Financial ruin mate :o
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This month will be slightly ahead - I have had £150 paid in from paypal, so that will help, but then school fees are due >:(, luckily we do have help with those (80% bursary and MIL cheque).
That filling was painfull financially, it would have been less different but the 2 PP transactions had not gone through, also I did spend £200 on PP last month (heads & oil cooler).
My wife commented on me buying two magazines and a map!
All the utilities have shot up. Electric 40, gas 60, phone&BB nearly 60, I am investigating all of those - but I did owe BT a bit through low DDs.
I worked out take away filling, oil cooler, heads, tools, car bits, birthday meals ect I would have been just ahead.
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Is so depressing, been checking statements.
Additionals are a meal for Sues birthday, £100 spent at VX and tools, £92 filling
However over £400 at Tescos, over £200 utilities
In fact utilities and council tax about equal to mortgage
I feel a Mr Micawber quote ..............coming on Martin. ;D ;D :y :y
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Is so depressing, been checking statements.
Additionals are a meal for Sues birthday, £100 spent at VX and tools, £92 filling
However over £400 at Tescos, over £200 utilities
In fact utilities and council tax about equal to mortgage
Similiar problem here.. >:(
Only extras balance it..And after the crunch extra jobs also diminish.. >:(
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more reasons for me to stay at home!
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more reasons for me to stay at home!
Even more reasons to snip up a bargain property though. :-/
Kevin
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This month will be slightly ahead - I have had £150 paid in from paypal, so that will help, but then school fees are due >:(, luckily we do have help with those (80% bursary and MIL cheque).
That filling was painfull financially, it would have been less different but the 2 PP transactions had not gone through, also I did spend £200 on PP last month (heads & oil cooler).
My wife commented on me buying two magazines and a map!
All the utilities have shot up. Electric 40, gas 60, phone&BB nearly 60, I am investigating all of those - but I did owe BT a bit through low DDs.
I worked out take away filling, oil cooler, heads, tools, car bits, birthday meals ect I would have been just ahead.
You had my sympathy all the way until I read that. Now I'm green with envy....
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phone and BB is high
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phone and BB is high
Just over £30 a month rental and I was around £100 behind, around £10 of calls a month
Top level BT Broadband and we can't go down to option 2 as we blow its usage levels
Can't change due to BT Vision box
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This month will be slightly ahead - I have had £150 paid in from paypal, so that will help, but then school fees are due >:(, luckily we do have help with those (80% bursary and MIL cheque).
That filling was painfull financially, it would have been less different but the 2 PP transactions had not gone through, also I did spend £200 on PP last month (heads & oil cooler).
My wife commented on me buying two magazines and a map!
All the utilities have shot up. Electric 40, gas 60, phone&BB nearly 60, I am investigating all of those - but I did owe BT a bit through low DDs.
I worked out take away filling, oil cooler, heads, tools, car bits, birthday meals ect I would have been just ahead.
You had my sympathy all the way until I read that. Now I'm green with envy....
A band appliances, CFLs, heating no higher than 18c. TV uses more than the old CRT
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This month will be slightly ahead - I have had £150 paid in from paypal, so that will help, but then school fees are due >:(, luckily we do have help with those (80% bursary and MIL cheque).
That filling was painfull financially, it would have been less different but the 2 PP transactions had not gone through, also I did spend £200 on PP last month (heads & oil cooler).
My wife commented on me buying two magazines and a map!
All the utilities have shot up. Electric 40, gas 60, phone&BB nearly 60, I am investigating all of those - but I did owe BT a bit through low DDs.
I worked out take away filling, oil cooler, heads, tools, car bits, birthday meals ect I would have been just ahead.
You had my sympathy all the way until I read that. Now I'm green with envy....
A band appliances, CFLs, heating no higher than 18c. TV uses more than the old CRT
I wish, my Gas and Electric DD is £189 per month. 3 bed, 30's semi :'(
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Gas £34.00
Electric £42.00
Water £10.00
TV £12.12
Sky £19.50
ISP £21.00
Telephone £27.00
Electric and TV have just been upped. Sky was reduced by £2. Gas will be increased to approx £40/42 next increase.
2 bded mid town house. Just single open flame gas fire and cooker on gas. 5 x 3kw wall heaters but never used.
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Gas £34.00
Electric £42.00
Water £10.00
TV £12.12
Sky £19.50
ISP £21.00
Telephone £27.00
gas 34 £.. :-?
only this month mine was 70 £.. before never dropped below 150 £..
are you living in a tropical island ;D
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TBH Cem, they tried to con me. They sent me letter just before a payment was due, so they added te ammount outstanding (just after the last staement and based it on the highest 1/4, then added the 47% increase and came up with £88
It was on £27 I had to explain to them that the heating is off for 6 months a year, a payment was due in 3 days etc. we agreed to increase to £34 for 3 or 6 months.
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phone and BB is high
Just over £30 a month rental and I was around £100 behind, around £10 of calls a month
Top level BT Broadband and we can't go down to option 2 as we blow its usage levels
Can't change due to BT Vision box
Thought Phorm hd made you change your mind?
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This month will be slightly ahead - I have had £150 paid in from paypal, so that will help, but then school fees are due >:(, luckily we do have help with those (80% bursary and MIL cheque).
That filling was painfull financially, it would have been less different but the 2 PP transactions had not gone through, also I did spend £200 on PP last month (heads & oil cooler).
My wife commented on me buying two magazines and a map!
All the utilities have shot up. Electric 40, gas 60, phone&BB nearly 60, I am investigating all of those - but I did owe BT a bit through low DDs.
I worked out take away filling, oil cooler, heads, tools, car bits, birthday meals ect I would have been just ahead.
You had my sympathy all the way until I read that. Now I'm green with envy....
A band appliances, CFLs, heating no higher than 18c. TV uses more than the old CRT
All our kitchen applicances are AA or AAA, and don't use tumbledryer at all.
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phone and BB is high
Just over £30 a month rental and I was around £100 behind, around £10 of calls a month
Top level BT Broadband and we can't go down to option 2 as we blow its usage levels
Can't change due to BT Vision box
Thought Phorm hd made you change your mind?
I would but 70+ programmes on the BT Vision box make it difficult, but then I am confident on it being found illegal by EU and that it will not touch my browsing
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This month will be slightly ahead - I have had £150 paid in from paypal, so that will help, but then school fees are due >:(, luckily we do have help with those (80% bursary and MIL cheque).
That filling was painfull financially, it would have been less different but the 2 PP transactions had not gone through, also I did spend £200 on PP last month (heads & oil cooler).
My wife commented on me buying two magazines and a map!
All the utilities have shot up. Electric 40, gas 60, phone&BB nearly 60, I am investigating all of those - but I did owe BT a bit through low DDs.
I worked out take away filling, oil cooler, heads, tools, car bits, birthday meals ect I would have been just ahead.
You had my sympathy all the way until I read that. Now I'm green with envy....
A band appliances, CFLs, heating no higher than 18c. TV uses more than the old CRT
All our kitchen applicances are AA or AAA, and don't use tumbledryer at all.
We have a Dyson W/M and use a line above the bath or a line in the garden
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We ditched Sky - not to do with affordability but after 16 years or so loyalty should mean you get HD for free. Cancelled it 18 months ago saving £50 a month and bought HD boc working on Freesat.
Some of the guys on here are paying a lot for broadband - do you really need all the speed? My o2 is £7.50 per month because my mobile phone is o2 so you get the discount. My electric and gas are higher than everyone else's - partly I suppose because I have gone OTT with garden lights, pond lights, border lights which are on for 4/5 hours every night on a mains system!! Over 200 lights and that is just the rear of the house. I am planning to run some mains cables out the front this year!!
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Electric £57
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We ditched Sky - not to do with affordability but after 16 years or so loyalty should mean you get HD for free. Cancelled it 18 months ago saving £50 a month and bought HD boc working on Freesat.
Some of the guys on here are paying a lot for broadband - do you really need all the speed? My o2 is £7.50 per month because my mobile phone is o2 so you get the discount. My electric and gas are higher than everyone else's - partly I suppose because I have gone OTT with garden lights, pond lights, border lights which are on for 4/5 hours every night on a mains system!! Over 200 lights and that is just the rear of the house. I am planning to run some mains cables out the front this year!!
Mines up to 8mb regardless of what I pay, but the ammoun I pay is for premium/quota. At the moment its in MB but arround xmas was in GB
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more reasons for me to stay at home!
Even more reasons to snip up a bargain property though. :-/
Kevin
Still nothing affordable locally
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phone and BB is high
Just over £30 a month rental and I was around £100 behind, around £10 of calls a month
Top level BT Broadband and we can't go down to option 2 as we blow its usage levels
Can't change due to BT Vision box
Thought Phorm hd made you change your mind?
I would but 70+ programmes on the BT Vision box make it difficult, but then I am confident on it being found illegal by EU and that it will not touch my browsing
I wouldn't like to take bets either way. UK laws it seems to comply with - though that is under debate. EU laws? I think the EU are joing to try to take the UK to court, not Phorm, in an attempt to tighten the privacy laws.
I think there may be a way around Phorm, but need a Phorm enabled line to test :-X
If its the privacy part, remember Google are the scum of the earth when it comes to that, but the more vocal campaigners haven't really decided to get involved :-/
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phone and BB is high
Just over £30 a month rental and I was around £100 behind, around £10 of calls a month
Top level BT Broadband and we can't go down to option 2 as we blow its usage levels
Can't change due to BT Vision box
Thought Phorm hd made you change your mind?
I would but 70+ programmes on the BT Vision box make it difficult, but then I am confident on it being found illegal by EU and that it will not touch my browsing
I wouldn't like to take bets either way. UK laws it seems to comply with - though that is under debate. EU laws? I think the EU are joing to try to take the UK to court, not Phorm, in an attempt to tighten the privacy laws.
I think there may be a way around Phorm, but need a Phorm enabled line to test :-X
If its the privacy part, remember Google are the scum of the earth when it comes to that, but the more vocal campaigners haven't really decided to get involved :-/
There is a choice with Google though - I can use one of many search engines
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phone and BB is high
Just over £30 a month rental and I was around £100 behind, around £10 of calls a month
Top level BT Broadband and we can't go down to option 2 as we blow its usage levels
Can't change due to BT Vision box
Thought Phorm hd made you change your mind?
I would but 70+ programmes on the BT Vision box make it difficult, but then I am confident on it being found illegal by EU and that it will not touch my browsing
I wouldn't like to take bets either way. UK laws it seems to comply with - though that is under debate. EU laws? I think the EU are joing to try to take the UK to court, not Phorm, in an attempt to tighten the privacy laws.
I think there may be a way around Phorm, but need a Phorm enabled line to test :-X
If its the privacy part, remember Google are the scum of the earth when it comes to that, but the more vocal campaigners haven't really decided to get involved :-/
There is a choice with Google though - I can use one of many search engines
Hmmm, don't bet on that either :-X
In Google's case, its easy to partially opt-out in that you delete the cookie, and always reject it (it still has the ability to show profiled ads on their search results page, as google has a cache of the top results anyway).
In Phorm's case, I certainly have concerns about the technology, as you cannot guarantee you are opted-out - as no cookie, or a corrupted cookie (as we all see, even here - eg OOF no longer remembers your logon) means you are OPTED-IN!
There are other issues I have with Phorm (or whatever they are trying to rebrand it as currently), to the extent I have requested that all the (non corporate) websites I look after are not profiled. To further upset me (the website opt-out is friggin difficult to find on Phorm's site - I reckon they have purposely hidden it), possibly coincidental, as soon as I opted out, we had suspicious activity on the site, so I think it profiled it anyway >:(
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phone and BB is high
Just over £30 a month rental and I was around £100 behind, around £10 of calls a month
Top level BT Broadband and we can't go down to option 2 as we blow its usage levels
Can't change due to BT Vision box
Thought Phorm hd made you change your mind?
I would but 70+ programmes on the BT Vision box make it difficult, but then I am confident on it being found illegal by EU and that it will not touch my browsing
I wouldn't like to take bets either way. UK laws it seems to comply with - though that is under debate. EU laws? I think the EU are joing to try to take the UK to court, not Phorm, in an attempt to tighten the privacy laws.
I think there may be a way around Phorm, but need a Phorm enabled line to test :-X
If its the privacy part, remember Google are the scum of the earth when it comes to that, but the more vocal campaigners haven't really decided to get involved :-/
There is a choice with Google though - I can use one of many search engines
Hmmm, don't bet on that either :-X
In Google's case, its easy to partially opt-out in that you delete the cookie, and always reject it (it still has the ability to show profiled ads on their search results page, as google has a cache of the top results anyway).
In Phorm's case, I certainly have concerns about the technology, as you cannot guarantee you are opted-out - as no cookie, or a corrupted cookie (as we all see, even here - eg OOF no longer remembers your logon) means you are OPTED-IN!
There are other issues I have with Phorm (or whatever they are trying to rebrand it as currently), to the extent I have requested that all the (non corporate) websites I look after are not profiled. To further upset me (the website opt-out is friggin difficult to find on Phorm's site - I reckon they have purposely hidden it), possibly coincidental, as soon as I opted out, we had suspicious activity on the site, so I think it profiled it anyway >:(
A lot of people have noticed this, Amazon and Wikipedia both have opted out, even though by doing so gives P***m some respectability. It will not take many more big sites to do this to kill them off, but then a gun would be even more effective.
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Oh I have threatened BT as well - even looking at legal action and suing them for a replacement PVR.
As a top level customer with BT Vision (mind you only TV Replay subscribed) they have to be careful as my money would be just as welcome by other ISPs.
Any scanning is change of contract - then it is automatically void.
Hmm I can copy data off the HDD to a PC - that is one problem solved
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A lot of people have noticed this, Amazon and Wikipedia both have opted out, even though by doing so gives P***m some respectability. It will not take many more big sites to do this to kill them off, but then a gun would be even more effective.
Don't think even if a whole bucketload of big websites opting out would make a difference to be honest - they can profile (to an extent) purely on the URL of the big sites, eg, Amazon, user reads books. Phorm doesn't need to scan Amazon for that ;)
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Oh I have threatened BT as well - even looking at legal action and suing them for a replacement PVR.
As a top level customer with BT Vision (mind you only TV Replay subscribed) they have to be careful as my money would be just as welcome by other ISPs.
Any scanning is change of contract - then it is automatically void.
Hmm I can copy data off the HDD to a PC - that is one problem solved
It was sneaked into your contract a few months ago.
You'd get nowhere with sueing as you describe, and BT's T&Cs for non phone services always have a clause where they can end it. They cannot put this clause in their telephony service.