General Chat

don´t have a problem with some DD´s as they save us time and money. I always have tried to have a fund I call it emergency fund. each to their own.
Years ago and a different husband I would squirrel away every penny I could, not knowing then what I would need it for, Now it is still tempting.

Sharron make the most of it :-D

He buys his own clothes.

If he looks like one he looks like one!

My wife looks after the finances in our house, I am hopeless. My dress sense is even worse, she daren't let me loose to buy my own clothes.

Direct debit exists on the basis that you always have that much money in the bank account at the time it is needed.

We use Direct Debit for personal life insurance monthly payments, and our Extended Health insurance payments. Those payments are either set and never change (the former), or we get notice in November each year of what the next year's payments will be starting in January (the Extended Health)

I will NOT use DD for anything else, especially for things that can and sometimes change without any warning. That includes monthly payments for gas, electricity, and telephone, and annual car and house insurances.

I want to see the actual bill every month, study the charges, and THEN make my payment ......... not see the invoice after the money has been taken.



Similar to Sharron, I have a contingency fund in that we have a separate bank account into which we funnel an amount every month, so that money is available at the correct times for car and house insurances, driver insurance, City taxes, etc

The thing I have told him about direct debits is to steer well clear of them.

I always have a contingency fund and pay things as they crop up. I really can't be doing with things going out bit by bit.

The contingency fund was achieved by saving up just like everything else.

As for the car, it is old, it was cheap, it gets him out working and he would not get another car for £500.

Tell him about direct debits which ensure such things as car ins. get paid without the agony of actually parting with cash in real time.How old is the motor? Once they are more than 10 years old shelling out £ 200 a time for fixing things becomes a bit pointless unless it is some kind of classic or grande lux. Old cars are like old men and just as dependable.

OH and I have always been diametrically opposed financially.

He has always been a salesman's dream and Christmas, car tax, MOT, insurance, birthdays have always crept up on him unannounced and taken him by surprise every year without fail.

For all the far too many years we have been together I have tried to explain the sense of putting some by for the inevitable but have bailed him out far too often and sometimes paid for useless Christmas presents that I have not even had use for but he has been persuaded that they would be my heart's desire.

Still I persevered in xshoutingx explaining the logic of not buying stuff you can't pay for.

Anyway, on Tuesday night his car broke down on the way home and had to be towed to our mechanic. Yesterday morning he rang me, having gone to work in my car, and said that the mechanic had been in touch and the repair would be £300 and the service it needed another £200.

Of course my heart sank as it always has wen he has had an emergency because the pleading hopeless voice has always come next.

But no! To my extreme amazement, and I still have not quite come to terms with this, he said he thought he probably had that much in his bank account.

What has he been up to I ask myself. Is it criminal? Do I have afine to cough up for or a cake to bake with a file in it?