Running your personal finances........

[Wacky Racer]

In the bank queue the other day, a young girl around 20 in front of me with a baby in a pushchair went up to the cashier with an anxious look about her......

Girl..."Can you give me a balance please, I hope I haven't gone into an overdraft because I've got a direct debit going out"...


Cashier..."It's OK you have £00.01p in your account"


G..."Has sky TVgone out??


C..."Yes, went out yesterday"


G..."Thank god for that, I'm still in credit....that's OK then"...

[Percy Flage]

Stereotype alert.

[109 Bob]

So a young mum who was actually concerned enough about her finances to go to the bank & inquire. The fact the direct debit going out was sky is irrelevant & coincidental, could of easily been the gas bill. Well done her I say for keeping her finances in order.

Edited to add:- I wish I was 00.01p in credit at the moment

Edited by 109 Bob on Saturday 25th October 10:10

[Maxf]

Seems she is at least keeping an eye on what is going out and balancing here income with outgoings (ok, 1p might be a little fine). She may have a higher interest account which her spare money goes into. I know I do.

[Wacky Racer]

Percy Flage said:

Stereotype alert.

The point being, if she had have been even a pound in arrears she probably would have been hit by an overdraft charge of 30 odd pounds, for the sake of... what is hardly an essential purchase....

[Baby Huey]

So how many thousands should you have in the bank before you are allowed to by non-essential items?

[jeff m]

I'm impressed she has her balance down to the penny
My business account is because I reconcile it, but the current account probably isn't.

[bigmanteebs]

Credit? Whats that then?

[kit80]

Wacky Racer said:

Percy Flage said:

Stereotype alert.

The point being, if she had have been even a pound in arrears she probably would have been hit by an overdraft charge of 30 odd pounds, for the sake of... what is hardly an essential purchase....

so she is having a tight month because its the credit crunch, and she is concerned enough to go down to her bank and check and has managed to actually stay in credit by 1p and you now think she is not deserving of sky tv??


stereotypist

[Wacky Racer]

kit80 said:

stereotypist

Not at all, I was genuinely concerned for the girl.......

Two of my sons were once hit for bank charges of around £35 when they accidently went a couple of pounds overdrawn a few years ago, a very expensive mistake from which they have now both learnt from.....Just common sense and good housekeeping......

[sniff diesel]

kit80 said:

so she is having a tight month because its the credit crunch,

TBH, she doesn't sound like the type that's running her own business that would be affected by the recession. I'd wager that her income hasn't dropped.

[kit80]

Wacky Racer said:

kit80 said:

stereotypist

Not at all, I was genuinely concerned for the girl.......

Two of my sons were once hit for bank charges of around £35 when they accidently went a couple of pounds overdrawn a few years ago, a very expensive mistake from which they have now both learnt from.....Just common sense and good housekeeping......

then you should have shared that with her then and not the PH massive lol

sniff diesel said:

kit80 said:

so she is having a tight month because its the credit crunch,

TBH, she doesn't sound like the type that's running her own business that would be affected by the recession. I'd wager that her income hasn't dropped.

Yet another stereotyping..you based this opinion on what? She has a pushchair? So she couldnt be the wife (because of cause women arent capable of running their own business) of someone who runs a business and who has been affected the credit crunch? or she could have just been made redundant from her job because of the credit crunch?

so much stereotyping going on.

Women beware! dont walk around with a pushchair looking after your finances, or clearly you are some benefit robbing chav.

[speedy_thrills]

You should have made MILF girl an offer. You have what she wants, she has what you want...

...see where this is going?

[Wacky Racer]

TONKER!!

[Donut]

sniff diesel said:

kit80 said:

so she is having a tight month because its the credit crunch,

TBH, she doesn't sound like the type that's running her own business that would be affected by the recession. I'd wager that her income hasn't dropped.

So only people who run there own businesses are affected are they?

[109 Bob]

sniff diesel said:

kit80 said:

so she is having a tight month because its the credit crunch,

TBH, she doesn't sound like the type that's running her own business that would be affected by the recession. I'd wager that her income hasn't dropped.

But I'd wager her out goings have risen.

[Wacky Racer]

anonymous said:

[redacted]

I think the point of my original post has got lost along the way...The fact the DD was for Sky was not really the issue, it's her life she can do what she wants...I just figured it would have been a shame to trigger an excessive overdraft penalty for the sake of a few pence.....she was sailing rather close to the wind..........

[Donut]

anonymous said:

[redacted]

I thought you just wanted some action and where asking the best way to approach MILF's who need money, in an exchange type way for services

[Wacky Racer]

Donut said:

I thought you just wanted some action and where asking the best way to approach MILF's who need money, in an exchange type way for services

The thought never entered my head, it was born out of genuine concern for her,.. she was old enough to be my grandaughter........

[Fort Jefferson]

Running your personal finances is quite straight forward, spend less than you earn, thats all there is to it.