25-04-2016, 18:49
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#11131
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Mum 30/09/20 Dad 08/08/24
Join Date: Mar 2004
Location: Galactic Sector ZZ9 Plural Z Alpha, A secret Moonbase (shh don't tell anybody)
Age: 56
Services: 2 x TiVo 360s, SH5. Samsung Galaxy Note 10+ 5G, Ton's of Smart Home stuff, & Cuddy Toy
Posts: 17,257
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Re: The Happy Thought Thread Part 4
Quote:
Originally Posted by MarkC1984
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.
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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.
__________________
I'm a Trustee & Secretary for a local charity
STAY AT HOME: I found out that mum will never walk again as the coronavirus attacked her nervous system. She died on September 30th.
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25-04-2016, 18:55
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#11132
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Still alive and fighting
Join Date: Jun 2007
Location: In the land of beyond and beyond.
Services: XL BB, 3 360 boxes , XL TV.
Posts: 56,657
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Re: The Happy Thought Thread Part 4
Quote:
Originally Posted by MarkC1984
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.
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That's excellent news Mark. 
__________________
“The only lesson you can learn from history is that it repeats itself”
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26-04-2016, 11:17
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#11133
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CF Resident Dog
Join Date: Mar 2005
Posts: 15,214
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Re: The Happy Thought Thread Part 4
Quote:
Originally Posted by MarkC1984
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.
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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.
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27-04-2016, 16:55
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#11134
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Still alive and fighting
Join Date: Jun 2007
Location: In the land of beyond and beyond.
Services: XL BB, 3 360 boxes , XL TV.
Posts: 56,657
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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. 
__________________
“The only lesson you can learn from history is that it repeats itself”
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27-04-2016, 22:35
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#11135
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Inactive
Join Date: Oct 2006
Location: Right here!
Posts: 22,315
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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.
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27-04-2016, 22:49
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#11136
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Mum 30/09/20 Dad 08/08/24
Join Date: Mar 2004
Location: Galactic Sector ZZ9 Plural Z Alpha, A secret Moonbase (shh don't tell anybody)
Age: 56
Services: 2 x TiVo 360s, SH5. Samsung Galaxy Note 10+ 5G, Ton's of Smart Home stuff, & Cuddy Toy
Posts: 17,257
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Re: The Happy Thought Thread Part 4
Quote:
Originally Posted by SnoopZ
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.
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My understanding is you need some debit to get a good rating.
i.e have a credit card and I pay it off everytime.
__________________
I'm a Trustee & Secretary for a local charity
STAY AT HOME: I found out that mum will never walk again as the coronavirus attacked her nervous system. She died on September 30th.
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28-04-2016, 11:03
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#11137
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CF Resident Dog
Join Date: Mar 2005
Posts: 15,214
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Re: The Happy Thought Thread Part 4
Quote:
Originally Posted by Hom3r
My understanding is you need some debit to get a good rating.
i.e have a credit card and I pay it off everytime.
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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.
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28-04-2016, 11:16
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#11138
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Still alive and fighting
Join Date: Jun 2007
Location: In the land of beyond and beyond.
Services: XL BB, 3 360 boxes , XL TV.
Posts: 56,657
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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.
__________________
“The only lesson you can learn from history is that it repeats itself”
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28-04-2016, 13:03
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#11139
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CF Resident Dog
Join Date: Mar 2005
Posts: 15,214
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Re: The Happy Thought Thread Part 4
Quote:
Originally Posted by denphone
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.
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Absolutely, there are alot of irresponsible people about when it comes to money.
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28-04-2016, 13:42
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#11140
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Perfect Soldier
Join Date: Mar 2009
Location: Worthing West Sussex
Age: 68
Services: VM 500M SH3 thingy
in modem mode
XL TV V6 Sony Bravia smart TV and M phone
Posts: 11,215
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Re: The Happy Thought Thread Part 4
Quote:
Originally Posted by Osem
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.
__________________
History is much like an endless waltz: The three beats of war, peace and revolution continue on forever.
However history will change with my coronation - Mariemaia Khushrenada
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28-04-2016, 14:03
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#11141
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Still alive and fighting
Join Date: Jun 2007
Location: In the land of beyond and beyond.
Services: XL BB, 3 360 boxes , XL TV.
Posts: 56,657
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Re: The Happy Thought Thread Part 4
l can only echo those same thoughts.
__________________
“The only lesson you can learn from history is that it repeats itself”
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28-04-2016, 16:17
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#11142
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nashville
Join Date: Feb 2011
Location: Rutherglen. Glasgow
Services: Virgin Media
Posts: 5,284
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Re: The Happy Thought Thread Part 4
Well Done Osem
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29-04-2016, 08:41
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#11143
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Inactive
Join Date: Oct 2006
Location: Right here!
Posts: 22,315
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Re: The Happy Thought Thread Part 4
Quote:
Originally Posted by heero_yuy
Excellent news Osem, give him our congratulations. Well Done young man. |
Quote:
Originally Posted by denphone
l can only echo those same thoughts.
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Quote:
Originally Posted by nashville
Well Done Osem
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Cheers guys, it's actually worth quite a bit more than I thought - over £2k so it's going to be very helpful indeed.
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03-05-2016, 10:06
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#11144
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R.I.P.
Join Date: Jun 2003
Location: Near Sandy Heath transmitter
Services: BT
Posts: 19,325
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Re: The Happy Thought Thread Part 4
Indications are that I get to go home today - yay
Then back to my normal dialysis routine tomorrow.
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03-05-2016, 12:38
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#11145
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Believe in yourself ...
Join Date: Dec 2013
Location: Here & there ...
Services: tv phone mobile broadband V6 and tivo.
Posts: 5,252
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Re: The Happy Thought Thread Part 4
Quote:
Originally Posted by Osem
Osem Jnr. has just won a high achievement scholarship which ought to ease his financial pain a little. |
Excellent
---------- Post added at 11:38 ---------- Previous post was at 11:37 ----------
Quote:
Originally Posted by dilli-theclaw
Indications are that I get to go home today - yay
Then back to my normal dialysis routine tomorrow. |
Brilliant dilli, there really is no place like home take care
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A smile is a curve that sets everything straight.
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