Blog
The new year budgets are in
The first budget of 2008 is in and I'm £132 below where I should be. Which basically means I have £132 less to live on this term that I hoped for.
Given my total budget is £139, it's going to be a lean term.
No, I'm kidding :D. But it isn't a good situation, it's not exactly a small amount of money. Hmm, might need to see if I can find some cheaper hard drives.
You know it's bad when...
...your student loan doesn't clear your overdraft :o. This isn't a good situation. Anyone want to donate to the clear Chris's overdraft cause? :D.
Almost in the black
I'm almost there!
After the last pay cheque I got I got all the way to £7 in the black! Then my credit card came out. But my student loan is coming in. So it all balances out.
Fraud, fraud I scream
I looked on the online statement for my credit card the other day to find four transactions from Auto Trader's website. Which is interesting as I've never used that website.
Two of them were charges and two were refunds so I don't know what was going on there. But anyway, I've had my credit card company cancel my card.
Summer finale approaches
Well there is only two weeks of summer left. I have one more pay period to come (and then I will still get paid for some of my full time work once term starts) and a big overdraft to clear.
Will it be cleared by term time? Find out soon :p.
Bye bye bank balance
So, the credit card companies collected the money and now my overdraft is once again maxed out :p.
Actually, I still have quite a bit of money in it but I need that to pay off the money I've since spent again on my credit card. Role on pay day!
My bank balance is in credit
Yes you read that right - my bank balance is in credit! How cool is that? It's because money has been paid in but payments haven't been taken out yet, but still! It's celebrating time :).
Still haven't got my tax back.
I still haven't got my tax back
It's been two and a half months since the tax year ended and I still haven't got my tax back :(.
Luckily, when it does get paid back to me, it gets paid with interest so I'm not loosing out on anything.
It's such a mission to get it sorted though, I've been on the phone with the tax office who told me to ring another tax office. They told me to get my P60 form.
I got my P60 form and phoned them up again. They said I needed to complete a P90 form which they sent out to me and has finally arrived which I now need to find a load of other details to fill out on it.
Direct Debits get removed
Here's a trivia fact you may or may not know - if a direct debit is not used for an entire year then the bank will usually cancel it.
This is to prevent companies from suddenly taking money from people who set up a direct debit years ago and have forgotten about it.
I got an email from eBay yesterday informing me that the direct debit I setup to allow them to take sellers fees (for the one item I listed). Ironically I have an item I need to list in a few weeks. Oh well.
Credit scoring is silly
Credit scoring is what banks use to estimate whether you are going to pay them back or just bum around with their money.
But it's a weird system. I went down to move my student account to Halifax from HSBC the other way. Not open a NEW account but simply MOVE an existing account.
They turned me down because my credit score wasn't good enough.
Meanwhile, at the same time, Lloyds TSB were approving me for a credit card with a £1,000 limit! Twice what they will normally give you.
Could somebody please explain this to me? The banks can't - Halifax said at the branch they didn't get any information on why I had been turned down as there was nothing negative on my credit report.
They told me to phone the main call centre up who informed me if I had failed the credit check then that was that nor did they seem to like the suggestion that there was nothing negative on my credit report (there isn't, I've checked, it's perfect).
- Greetings! I'm Chris and this is my blog about debt, finance and generally having no money. Luckily as a student, it's just expected of me to have no money so it's all good.