Record rise in insurance costs

[TW]Fox · 28 Oct 2010 at 18:59

iaind said:
Get tempted by "available balance: £2500", spend it all, drown in debt

If you are that much of a monkey then you are beyond help.

If you really are that stupid then simply reduce the credit limit to £5 more than the cost of your insurance.

Then get a grip.

Peerzy · 28 Oct 2010 at 18:59

DiamondMark said:
See now that sets you apart from the youth of today, thats why one day you will have a nice few quid.

Can't handle any sort of debt, pay rent yearly - just so all my monthly earnings are mine and not getting filtered away onto things I owe or are debits.

Isn't Fox 26 now anyway

iaind · 28 Oct 2010 at 19:01

[TW]Fox;17670403 said:
If you are that much of a monkey then you are beyond help.

If you really are that stupid then simply reduce the credit limit to £5 more than the cost of your insurance.

Then get a grip.

Just to reiterate, I'm not that much of a monkey. Tons of people are though

DM · 28 Oct 2010 at 19:02

Peerzy said:
Can't handle any sort of debt, pay rent yearly - just so all my monthly earnings are mine and not getting filtered away onto things I owe or are debits.

Isn't Fox 26 now anyway

I dunno but hes got the right idea to end up with a few quid later on.

Janesy B · 28 Oct 2010 at 19:06

I don't even have a credit card. I'm such a noob.

iaind · 28 Oct 2010 at 19:08

Janesy B said:
I don't even have a credit card. I'm such a noob.

I've got one but there's nothing on it - sits in a drawer at home. Good for emergencies, holidays, protection in big purchases and the like

DM · 28 Oct 2010 at 19:09

Janesy B said:
I don't even have a credit card. I'm such a noob.

Get a couple they come in handy, just dont ***** the money.

[TW]Fox · 28 Oct 2010 at 19:14

iaind said:
I've got one but there's nothing on it - sits in a drawer at home. Good for emergencies, holidays, protection in big purchases and the like

Why doesnt it just sit in your wallet :confused:

OpenToSuggestions · 28 Oct 2010 at 19:15

iaind said:
Get tempted by "available balance: £2500", spend it all, drown in debt

If you are that stupid then you deserve a good rodgering up the back door by credit card fees.

iaind · 28 Oct 2010 at 19:19

[TW]Fox;17670519 said:
Why doesnt it just sit in your wallet

One more thing to get nicked/lost, more space in the wallet. I don't need it day to day, so why would it?

Kenai · 28 Oct 2010 at 19:21

[TW]Fox;17670519 said:
Why doesnt it just sit in your wallet

I too am baffled at this fear of credit cards people seem to have, as if having a credit card forces them to max it out and reduce them to debt infested poverty forever more.

DM · 28 Oct 2010 at 19:21

I hide mine.... from my daughter

iaind · 28 Oct 2010 at 19:23

Kenai said:
I too am baffled at this fear of credit cards people seem to have, as if having a credit card forces them to max it out and reduce them to debt infested poverty forever more.

See above, nothing to do with fear!

[TW]Fox · 28 Oct 2010 at 19:51

No, No! Evil Credit Card! I must lock you in my drawer and not carry you lest I use you to..

to...

...purchase items

iaind · 28 Oct 2010 at 19:53

[TW]Fox;17670825 said:
No, No! Evil Credit Card! I must lock you in my drawer and not carry you lest I use you to..

to...

...purchase items

Do you even read posts, or just see what you want to see :confused:

[TW]Fox · 28 Oct 2010 at 19:54

It's a plastic card, it goes in your wallet not hidden away in the drawer at home

iaind · 28 Oct 2010 at 19:59

[TW]Fox;17670844 said:
It's a plastic card, it goes in your wallet not hidden away in the drawer at home

No it doesn't. It's not hidden, it's my drawer :confused:

My wallet contains my debit card, driving license, club card and nectar card - eg the stuff i use on a daily basis. All the other stuff like cards for my savings accounts, credit card, blockbuster card, NI card, membership cards etc etc all stay in a drawer at home. Its all stuff i don't need on a daily basis, my wallet would be 3 times bigger with it all in there and it's all more stuff to cancel if my wallet goes walkies......not really sure why that's a difficult concept :confused:

DM · 28 Oct 2010 at 20:10

Its all good Iain, hiding them at home is just practice for when you have kids

iaind · 28 Oct 2010 at 20:14

DiamondMark said:
Its all good Iain, hiding them at home is just practice for when you have kids

No chance, kids terrify me!

Jez · 29 Oct 2010 at 09:12

iaind said:
No it doesn't. It's not hidden, it's my drawer

My wallet contains my debit card, driving license, club card and nectar card - eg the stuff i use on a daily basis. All the other stuff like cards for my savings accounts, credit card, blockbuster card, NI card, membership cards etc etc all stay in a drawer at home. Its all stuff i don't need on a daily basis, my wallet would be 3 times bigger with it all in there and it's all more stuff to cancel if my wallet goes walkies......not really sure why that's a difficult concept

Why would you not stick daily spend on the credit card too? Using your debit card is totally pointless, messy for your accounting, and not to mention actually more risky.