Cable Forum - The Happy Thought Thread

Overjoyed. Years ago when I was very irresponsible with money, I let a debt build up. Today, the last repayment on the debt was made. Took me 3 years but I have cleared the debt. So pleased.

I love being debt free, the closest I come is my credit card, but I pay that off monthly.

I have set a figure in my account say £3,000 and below that I'm in the red.

Its a great buffer which goes up as funds go up.

denphone

25-04-2016 17:55

Re: The Happy Thought Thread Part 4

Quote:

Originally Posted by MarkC1984 (Post 35834355)

Overjoyed. Years ago when I was very irresponsible with money, I let a debt build up. Today, the last repayment on the debt was made. Took me 3 years but I have cleared the debt. So pleased.

That's excellent news Mark.:tu:

SnoopZ

26-04-2016 10:17

Re: The Happy Thought Thread Part 4

Quote:

Originally Posted by MarkC1984 (Post 35834355)

Overjoyed. Years ago when I was very irresponsible with money, I let a debt build up. Today, the last repayment on the debt was made. Took me 3 years but I have cleared the debt. So pleased.

Excellent, always nice to be debt free and to keep it that way, if you have a dodgy credit rating(you can check) you should look into improving it.

denphone

27-04-2016 15:55

Re: The Happy Thought Thread Part 4

We were out earlier seeing the Royal Scot steam train 46100 and what a wonderful sight she is.:)

Osem	27-04-2016 21:35

Re: The Happy Thought Thread Part 4

Osem Jnr. has just won a high achievement scholarship which ought to ease his financial pain a little. :)

Hom3r

27-04-2016 21:49

Re: The Happy Thought Thread Part 4

Quote:

Originally Posted by SnoopZ (Post 35834510)

Excellent, always nice to be debt free and to keep it that way, if you have a dodgy credit rating(you can check) you should look into improving it.

My understanding is you need some debit to get a good rating.

i.e have a credit card and I pay it off everytime.

SnoopZ

28-04-2016 10:03

Re: The Happy Thought Thread Part 4

Quote:

Originally Posted by Hom3r (Post 35834770)

My understanding is you need some debit to get a good rating.

i.e have a credit card and I pay it off everytime.

Mine also, it is a good idea to have a credit card and pay it off every month to build a good or clear a bad credit rating.

denphone

28-04-2016 10:16

Re: The Happy Thought Thread Part 4

A credit card is only a good idea if the user consistently pays it off each month as in the wrong hands it can have pretty bad consequences in my opinion.

SnoopZ

28-04-2016 12:03

Re: The Happy Thought Thread Part 4

Quote:

Originally Posted by denphone (Post 35834815)

A credit card is only a good idea if the user consistently pays it off each month as in the wrong hands it can have pretty bad consequences in my opinion.

Absolutely, there are alot of irresponsible people about when it comes to money.

heero_yuy

28-04-2016 12:42

Re: The Happy Thought Thread Part 4

Quote:

Originally Posted by Osem (Post 35834767)

Osem Jnr. has just won a high achievement scholarship which ought to ease his financial pain a little. :)

Excellent news Osem, give him our congratulations. Well Done young man. :tu:

denphone

28-04-2016 13:03

Re: The Happy Thought Thread Part 4

l can only echo those same thoughts.