Re: What have you just bought?
 

Wear them occasionally , for example have a specific one for being on holiday during the day time (Casio MT-G) and then one for the evening if we’re going out for a nice meal

but, most of the time they sit in their display boxes.

It’s an odd one, I just have this thing about watches , mechanical ones fascinate me , not all of them are expensive , I’ve got everything from a £50 Casio right up to very silly money ones.

I also have the same thing with trainers

I suspect it’s psychological tbh

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Loadamoney - Harry Enfield

Either credit card debt or I'm just not making enough wonga!

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Zero credit card debt , after getting myself into serious financial troubles in my early twenties, any credit card spending is paid off in full each month

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Luckily I'm in the same situation being able to pay off my CC every month, which reminds me it's due today!

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I do every now and then allow myself to pay a little interest. For example Paypal have given me a 2k credit limit. I often buy tech off ebay but normally only from firms I deal with normally and the credit charge on Paypal is monthly so say I buy something for £250 @ 12.9% but pay off £200 straight away and let then charge pennies interest on the £50 they have made a profit and it improves my credit rating and keeps me getting increases which in turn helps my credit score. I keep getting booting from cards that I had a long time that made no profit

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I've had the same 1 credit card for 20+ years and pay it off in full apart from the 2 times I forgot. I've no idea what my credit score is I've never checked but I would expect it to be very high.

Edit - I nervously just checked it in my banking app it says 673/710 so I guess I'm relieved nothing appears dodgy. Is 710 always the MAX score limit or does change?

Edit - it's the Max for TransUnion UK.

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never had a credit card, i do have a debit card.

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A credit card gives far better purchase protection if something goes wrong, but if you don't trust yourself with a credit card then it's best to avoid.

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We pay ours off in full each month, but we put as much as possible on them for the Avios (air miles) points - We have Amex BA Premium Plus (1.5 points per pound spent, with a free Companion ticket if you spend £15k per year) and a Barclaycard Avios card (1 point per pound spent, and we use it in places that don’t take Amex).

The Avios points (and the Companion Voucher) can be used on British Airways, Iberia, and Aer Lingus flights, and you just pay the taxes, nothing else, which means the two of us can fly long-haul Business Class for around £1k - £1.5k, which is nice… :D

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Very nice.

I'm wondering if there is a cashback Credit Card I could get that pays better cash back than just Tesco Clubcard points.

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There are 3 and you can get the scores free. Experian only gives out limited info free and cut off 3rd party sites a couple of years ago. Clearscore will Give you all your Equifax and you already have access to TransUnion but for those who do not know Martin Lewis has a credit expert that gets you free access

Mine just got battered by 2 hard searches the second was mis sold sim card so I might contest it

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Thanks I was looking at that earlier and it makes me want to just keep using my Tesco CC, although getting an Amazon card maybe worth it for the 1% cash back as I purchase on Amazon often but I've not worked it out if that 1% is better than Clubcard points.