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Thread: Women Hifi owners...

  1. #231
    Join Date: Jan 2008

    Location: Wrexham, North Wales, UK

    Posts: 90,987
    I'm AudioAl'sArbiterForPISHANTO.

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    Quote Originally Posted by Mike Reed View Post
    Like many here, and Marco as stated, I run up credit card bills, often in the upper hundreds each month but direct debit pays it off in full. I love credit cards; you have a receipt record which can be matched to your statement and fifty or more days' grace to amass the funds to pay it. Best financial invention ever, providing you avail yourself only of its advantages.
    Exactly, Mike. And that's a perfect example of what Dennis mentioned earlier of "directing ourselves rather than letting forces around us do so"

    Be the one *in* control, rather than controlled!

    Marco.
    To be scientific is to take into account all of reality, not to be selectively inattentive to the inconvenient -- Pharos 2019.

  2. #232
    Join Date: Mar 2017

    Location: Seaford UK

    Posts: 1,066
    I'm Dennis.

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    I think 'keeping up with the Jones's' is a subconscious function, often a (Freudian), psychological displacement of some other unresolved issue.
    Years ago there were descriptions of fat middle aged ladies spending very high amounts on very expensive dresses which they never wore, and having wardrobes full of them.

    I agree about credit cards provided they are used as you guys have stated, I have one only, used for online stuff, and always pay it off in full, and there are several layers of protection for online purchases.

    Remember that old concept of Higher Purchase anyone? And also the old saying 'Kippers and Curtains', and saving up for something?

  3. #233
    Join Date: Feb 2013

    Location: W Lothian

    Posts: 60,856
    I'm Grant.

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    I use PayPal a lot. It has protections built in. I have had credit cards before but I got rid of.
    A lot of my online buys are amazon as well and they are good to deal with
    Regards,
    Grant .... ؠ

    I've said it before and I'll say it again: democracy simply-doesn't-work
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  4. #234
    Join Date: May 2009

    Location: Bristol

    Posts: 4,548

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    I've got shedloads of credit cards, but the only one I use regularly is my Amazon one; it keeps all my Amazon-related purchases in one place, and I pay it off in full every time.

  5. #235
    Join Date: Jul 2009

    Location: Hampshire, UK

    Posts: 2,841
    I'm Buriedunderaloadofturntables.

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    As above, I generally have a credit card bill each month in the high hundreds/low thousands because the shopping and my fuel goes on it, as well as any bigger one-off purchases. I pay it off monthly on the dot and get BA Avios points for doing so. This card is an American Express one and still quite a few places will not accept Amex, so I have a second, spare one as well - this is a Mastercard and gives me Virgin Atlantic points.

    With these, Mrs B. and I have had some bargain holidays. With our trip to Florence this summer we only paid for three nights in the hotel - the other three nights and our flights both ways were Ďpaid forí using points.

    If used properly, they can be surprisingly beneficial.
    Adam.

  6. #236
    Join Date: Jun 2014

    Location: Chorley Lancs

    Posts: 4,786
    I'm Steve.

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    My mate buys all his building materials using his Virgin Atlantic credit card, and it saves him hundreds off the cost of their twice a year holidays to Vegas and Florida. That's a lot further than mine would take me, as I don't have any credit cards. I once got one to help with car hire abroad, then it sat in a drawer until eventually they wrote saying they were cancelling it due to lack of "activity".

    I only use a debit card - I can only use it if there are sufficient funds in my account to cover it. Helps keep me debt-free
    Pining for the fjords? What kind of talk is that? And why did he fall flat on his back the minute I got him home?

    T/T: Inspire Monarch, X200 tonearm, Ortofon 2M Black. Phono: Yaqin MS-22B CD: Densen Beat B400 Plus; Headphone/pre: Myryad Z40; Amp: Audion Silver Night 300b stereo
    Speakers: Zu Omen Def. Atlas Equator interconnects, Atlas Hyper 3.0 speaker cables

    T'other system:
    Echo Dot, Amptastic Mini-1, Celestion 5's, BK XLS-200 DF

    A/V:
    Panasonic 42" plasma, Panasonic Blu Ray, Sony a/v amp, MA Radius speakers, REL Storm sub

  7. #237
    Join Date: Mar 2017

    Location: Seaford UK

    Posts: 1,066
    I'm Dennis.

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    I hate debt, this view inculcated in my early environment, and debt obviously leaves one vulnerable, and for me with a feeling of subconscious unease.

  8. #238
    Join Date: Jan 2008

    Location: Norwich

    Posts: 968
    I'm Mike.

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    Quote Originally Posted by Pigmy Pony View Post

    I only use a debit card - I can only use it if there are sufficient funds in my account to cover it. Helps keep me debt-free
    Sensible, but, as posted above, you can get a lot more out of credit cards if you use them sensibly/keep books etc. I'm a Nectar tart, having a Sainsbury's Mastercard really boosts the points. I'm very close to the £100, and it's only been several months. Considering we do our main shop in Aldi, that's good going, methinks !:lol

  9. #239
    Join Date: Jun 2014

    Location: Chorley Lancs

    Posts: 4,786
    I'm Steve.

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    Quote Originally Posted by Mike Reed View Post
    Sensible, but, as posted above, you can get a lot more out of credit cards if you use them sensibly/keep books etc. I'm a Nectar tart, having a Sainsbury's Mastercard really boosts the points. I'm very close to the £100, and it's only been several months. Considering we do our main shop in Aldi, that's good going, methinks !:lol
    Completely agree Mike, credit cards have a lot of advantages, and my not having one is not because I think there's anything wrong with them. No, the problem is me. I am utterly shite with money, and if I were given say, £10,000, I would not rest until I'd spent it all on something.

    I know myself well enough to know that I'm more financially stable sans credit cards
    Pining for the fjords? What kind of talk is that? And why did he fall flat on his back the minute I got him home?

    T/T: Inspire Monarch, X200 tonearm, Ortofon 2M Black. Phono: Yaqin MS-22B CD: Densen Beat B400 Plus; Headphone/pre: Myryad Z40; Amp: Audion Silver Night 300b stereo
    Speakers: Zu Omen Def. Atlas Equator interconnects, Atlas Hyper 3.0 speaker cables

    T'other system:
    Echo Dot, Amptastic Mini-1, Celestion 5's, BK XLS-200 DF

    A/V:
    Panasonic 42" plasma, Panasonic Blu Ray, Sony a/v amp, MA Radius speakers, REL Storm sub

  10. #240
    Join Date: Jan 2009

    Location: Essex

    Posts: 21,278
    I'm openingabottleofwine.

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    Yes, there is a potential risk using credit cards - if you get close to your credit limit, the credit card company will often inform you that they have raised the limit. After all, it is to their advantage to continue to earn interest from you. I have had two credit cards; one had a credit limit of £25,000, the second a limit of £10,000.
    Barry

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