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Author Topic: MONEY 2.  (Read 1977 times)

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Amigo

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MONEY 2.
« on: 10 July 2010, 23:40:42 »
On the 9th of this month i made the final payment of a 5 year bank loan. This is the last of 3 loans & a car finance & a loan to pay off car finance!!! The repayments were £155 per month so i've changed my savings a/c to an ISA. £50 a month goes there & the other £105 goes into the current a/c just to make things a tad easier. Only small figures i know but i have no credit cards & everything other than a modest mortgage is mine.
   What i was paying out i'm now saving. :)
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CaptainZok

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Re: MONEY 2.
« Reply #1 on: 10 July 2010, 23:43:00 »
That should keep Roy in the style he's accustomed to mate.
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Mr Skrunts

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Re: MONEY 2.
« Reply #2 on: 10 July 2010, 23:45:53 »
Nice one Guy

I became a good little saver, but then keep spending it, Bought my Elite 2 years ago as a birthday pressie for myself, now have my eye on another Elite one I see the pictures.
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webby23

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Re: MONEY 2.
« Reply #3 on: 10 July 2010, 23:49:19 »
Well done Guy its a great feeling isnt it !

Bought a brand new MINI Cooper in 2001, costing me £325 a month for 5 years and when I finished that the affect was noticeable too.....

 :y
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Mr Skrunts

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Re: MONEY 2.
« Reply #4 on: 11 July 2010, 00:21:31 »
Quote
Well done Guy its a great feeling isnt it !

Bought a brand new MINI Cooper in 2001, costing me £325 a month for 5 years and when I finished that the affect was noticeable too.....

 :y

Glad you came to your senses and got a proper car.
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Mysteryman

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Re: MONEY 2.
« Reply #5 on: 11 July 2010, 10:11:03 »
Quote
On the 9th of this month i made the final payment of a 5 year bank loan. This is the last of 3 loans & a car finance & a loan to pay off car finance!!! The repayments were £155 per month so i've changed my savings a/c to an ISA. £50 a month goes there & the other £105 goes into the current a/c just to make things a tad easier. Only small figures i know but i have no credit cards & everything other than a modest mortgage is mine.
   What i was paying out i'm now saving. :)


They are NOT small figures Guy. Start thinking annually, like that tosser Martin Lewis does on the telly, and the figures soon add up.
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mudflap

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Re: MONEY 2.
« Reply #6 on: 11 July 2010, 10:18:19 »
reminds me of a bumper sticker i see on old bangers -

"my car may be old but it's paid for, and is in front of you"

 ;)
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Plomien

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Re: MONEY 2.
« Reply #7 on: 11 July 2010, 10:29:05 »
See if your bank has a regular saver scheme, You can get between 4%-8% on them at the moment, I am lucky and get staff rates but still 4% in the current market isn't bad and at the end you can chuck it into an ISA :y
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TheBoy

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Re: MONEY 2.
« Reply #8 on: 11 July 2010, 12:07:49 »
Good news Guy :y

I do use credit cards, but always paid off monthly. Handy, for supposedly better protection for internet purchases. Not to mention the cashback/offers ::)

I don't like loans, who does? But sometimes they are a necessary evil. Always nice when they end :y
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Andy B

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Re: MONEY 2.
« Reply #9 on: 11 July 2010, 12:54:45 »
Quote
....
but i have no credit cards  ......

I'd always be back & forwards to the cash machine  ;D. Credit cards make life so much easier, ie you don't need to remember to go to the hole-in-wall before filling the car up. Mine's paid off in fulll each month but I do realise it could be a temptation to buy stuff you don't have the money for.
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Amigo

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Re: MONEY 2.
« Reply #10 on: 11 July 2010, 14:45:17 »
Quote
reminds me of a bumper sticker i see on old bangers -

"my car may be old but it's paid for, and is in front of you"

 ;)
The Beastie's always in front, even with the van behind it!!! :D
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webby23

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Re: MONEY 2.
« Reply #11 on: 11 July 2010, 14:50:39 »
Quote
Quote
Well done Guy its a great feeling isnt it !

Bought a brand new MINI Cooper in 2001, costing me £325 a month for 5 years and when I finished that the affect was noticeable too.....

 :y

Glad you came to your senses and got a proper car.

lol

Fair comment

 ;D ;D ;D

We had one of the first 1000 cars off the line and there were loads of electrical issues with it, ended up giving it  back and they replaced it FOC.

Second one much better, but had to sell when little un came along in 2006, no space in a MINI.....

Omega a much better family car.......!

 :y
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Re: MONEY 2.
« Reply #12 on: 11 July 2010, 19:02:27 »
Guy if you by any chance had payment protection on any of your loans it's a piece of p*ss to get it all back with interest! done a couple for the missus!
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Amigo

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Re: MONEY 2.
« Reply #13 on: 11 July 2010, 19:17:07 »
Quote
Guy if you by any chance had payment protection on any of your loans it's a piece of p*ss to get it all back with interest! done a couple for the missus!
I did, sadly & am aware of this. However i do have a very favourable overdraft facility with the bank should i need it. If i peed them off they might withdraw it.
   
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bertiecbx550

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Re: MONEY 2.
« Reply #14 on: 12 July 2010, 01:52:31 »
I might change banks when all the stuff is sorted out with mum an dads house...I asked barclays for a temp overdraft on friday to see us through to pay day this week and even got the solicitor to write a letter showing how much i was gonna inherit in under a months time(good news that)...They said no but asked if would like to make an appointment to meet with an advisor to discuss what savings and investments are possible when i`m better off....I told em "see that red HSBC sign opposite?? I think i`ll go in there with the cheque and talk to them instead...." ;D ;D
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