United Kingdom chat thread V4: lamb rogan josh, £3 meal deals, and brexit - General

[QUOTE=_Maverick_;53011347]Speaking of employment, is anyone else finding it nigh on impossible to find work. No matter what I'm turned down. Even with college degrees, CSCS cards, health and safety qualifications, diplomas, 5 years of volunteering while not working. I couldn't even get a job with Mac D's :why:[/QUOTE] Are you applying for a manager position

(not that there is anything wrong with working at Mac D's or other fast food restaurants, they provide a valuable service) My merge [QUOTE=Ignhelper;53011352]Are you applying for a manager position[/QUOTE] No. just as a one of the guys behind the till. Cooking serving

Could have applied too late in the process but before the position was officially filled. Or you're doing something wrong on the about you quiz bit.

[QUOTE=Hezzy;53011319]It's because a bursary isn't really a proper income, like if you're applying for car finance they want to know that in 3 years you can still pay your debt. Whereas if you have a full time job you are more likely to be able to do that It'll improve once you're in full time employment[/QUOTE] that's why my situation is such a niche issue. aye, it's a bursary, but my bursary ain't going anywhere anytime soon. if I'm in education, I've got guaranteed income. only way that'd change is if I flunked. I think I'll just call experian and ask them. I remember them saying I could write in a few years back but I never chased it up. I'll just write a formal letter explaining my situation and ask if anything can be done. with a full-time job, aren't the risks similar? like I can get booted from the company if I'm a truant fuck, or if I don't pull my weight and work effectively. exact same with uni. modern society basically makes it nigh impossible for your average joe to afford shit unless it's via finance, hence why there's so many 0% interest offers.

Finance is a scam.

[QUOTE=UzumakaiPatch;53011400]Finance is a scam.[/QUOTE] if you're thick yes

[QUOTE=codenamecueball;53011407]if you're thick yes[/QUOTE] someone who understands. finance is a lifesaver if you're not an absolute mong when it comes to managing money. 12 month 0% interest on purchases on a credit card, I piled on the debt and had it fully paid off by month 11. you can save up for months and months, or you can have the fancy gadget [I]now. [/I]but sometimes it's for important shit like furniture in an apartment so that you won't have to sleep on the floor anymore for another 3 weeks.

[QUOTE=_Maverick_;53011347]Speaking of employment, is anyone else finding it nigh on impossible to find work. No matter what I'm turned down. Even with college degrees, CSCS cards, health and safety qualifications, diplomas, 5 years of volunteering while not working. I couldn't even get a job with Mac D's :why:[/QUOTE] you shouldn't have chosen to be born to a poor family /s

[QUOTE=DiscoInferno;53011439]you shouldn't have chosen to be born to a poor family /s[/QUOTE] [IMG]http://i0.kym-cdn.com/photos/images/newsfeed/001/230/895/3eb.jpg[/IMG]

Ehhh I really hate the idea of spending money that you [I]don't[/I] have and am endlessly annoyed that it really seems like one of the only options in modern society. :unimpressed:

[QUOTE=loopoo;53011394]that's why my situation is such a niche issue. aye, it's a bursary, but my bursary ain't going anywhere anytime soon. if I'm in education, I've got guaranteed income. only way that'd change is if I flunked. I think I'll just call experian and ask them. I remember them saying I could write in a few years back but I never chased it up. I'll just write a formal letter explaining my situation and ask if anything can be done. with a full-time job, aren't the risks similar? like I can get booted from the company if I'm a truant fuck, or if I don't pull my weight and work effectively. exact same with uni. modern society basically makes it nigh impossible for your average joe to afford shit unless it's via finance, hence why there's so many 0% interest offers.[/QUOTE] No, it's considered a one off payment, there's no guarantee of the next one, whereas someone with a paycheck (and at least a few months worth of them going backwards) is highly likely to have more

Starting to sound pretty ☭☭☭ in here. If we start singing the Soviet Union national anthem the borgeois will be able to locate this site and take it down to 'protect the children'.

[QUOTE=metallics;53011573]No, it's considered a one off payment, there's no guarantee of the next one, whereas someone with a paycheck (and at least a few months worth of them going backwards) is highly likely to have more[/QUOTE] I've got a letter that shows it's not a one-off, a financial guarantee that I'll receive income for the entirety of my studies.

[QUOTE=loopoo;53011586]I've got a letter that shows it's not a one-off, a financial guarantee that I'll receive income for the entirety of my studies.[/QUOTE] I don't imagine the banks and businesses see it that way though.

[QUOTE=loopoo;53010875]Cheers for the advice, I'll give that all a go. Also, fuck credit agencies. I've spent the better part of 5 years building up my score from "Very Poor" to "Excellent". Experian is the credit agency I used to check my score, and I went from like 180/999 to 986/999. People still won't touch me with finance. I've never missed a payment, but the second I put down I'm a full-time student, no one wants to look at my application in-depth. I'm a full time student, but I get a bursary. I also use this thread as my personal bitching diary, sorry boyos[/QUOTE] How did you manage to get your credit rating so high without a credit card? Before I had a credit card my rating just sort of hovered around the average, and while I'm in the top band now, it ain't that high. Never had an overdraft When I first went for a credit card I was rejected, but it was because the address on my bank was still with my mum's address. Once I sorted that it was fine. The initial reason for me getting a credit card was actually for work so I could rent a car abroad, but since having it, it's been good for large payments. I probably use my credit card a bit too much for small purchases simply because my bank card doesn't have contactless yet. But I pay it off

[QUOTE=_Maverick_;53011592]I don't imagine the banks and businesses see it that way though.[/QUOTE] credit agencies are shite and need to stop automating everything and just painting everyone with one big general brush, as opposed to putting in slightly more effort and realising everyone has unique circumstances. [QUOTE=Doozle;53011605]How did you manage to get your credit rating so high without a credit card? Before I had a credit card my rating just sort of hovered around the average, and while I'm in the top band now, it ain't that high. Never had an overdraft When I first went for a credit card I was rejected, but it was because the address on my bank was still with my mum's address. Once I sorted that it was fine. The initial reason for me getting a credit card was actually for work so I could rent a car abroad, but since having it, it's been good for large payments. I probably use my credit card a bit too much for small purchases simply because my bank card doesn't have contactless yet. But I pay it off[/QUOTE] I was in the same boat, then I applied for the shittest of the shit credit card. an Aqua Card with 44.9% APR, they basically throw it at you because it's a god awful card and it's so easy to incur crippling debt on it (which I find disgusting, target the less financially able with late fees and interest they'd never be able to keep up with). I went from a £400 limit, to £1200, to £3650 on it. I just smacked every single outgoing expense that I could on it, and then paid it off in full every month with my debit card. eventually (eventually my ass, it took almost 3 years) my credit score went up enough for me to apply for a decent CC with my bank with 19.9% APR and a 12 month 0% purchase offer. I nabbed that, maxed it out, paid it off within 11 months, and then quit using my aqua card and instead turned the new CC into my daily card. all my groceries / expenses go on the CC and I just pay it off fully. I never touch the aqua card anymore, but I won't cancel it because it's racking up age which looks good on your credit report. when I've got a current account and credit card that I've had for 5 years, it helps average out all the other direct debits / revolving credit that I've had for a few months, so the average age of everything is high - which is good. I was also lucky enough to have my sister put my car finance on her name for the first three years, as they kept rejecting me for finance, but I then exchanged my car for a newer model and VW was kind enough to accept me for finance personally, given my history and proof that I'd paid all my payments on time. so I've had that going for 6 months which also really helped with credit score. but it's mainly just nailing the revolving credit. if you've got lots of ingoings and outgoings on your CC and pay it off in full or at least never get a late payment, credit agencies lap it up cause it builds healthy credit history. the myth of credit cards being big, bad and scary is dumb. there's literally no problem using your CC for everything, as long as you know you're staying within your financial means and won't get shafted with interest. only thing I use my debit card are for direct debits, everything else I put onto the CC. I get CC offers from various other banks all the time. just accepted an offer recently that has a 29 month 0% interest offer on it so I nabbed that.

OK wow So I've been looking for a new TV I've currently got a 22-20" TV and it damaged so the bigger the better, but lacking any major funds I've been only been able to find at best a 32" for 75 squid Spent the whole day going round shops, argos, currys, Tesco that sort of thing with no luck. Go online and tell my best mates about my struggles and one of them pops online. "you looking for a bigger TV? I was going to scrap my old one. Works fine and everything just need the space right now. " I ask him how big it is and how much he wants. He says I can have his 43" TV for £50 :excited: TODAY IS GOOD DAY

Yeah once you're employed its piss easy to get a CC, got a 6.5k 0% on purchases for 24 months from the halifax on a 30 min lunch break a few years back. Really becomes a laugh when you get a mortgage.

[QUOTE=_Maverick_;53011347]Speaking of employment, is anyone else finding it nigh on impossible to find work. No matter what I'm turned down. Even with college degrees, CSCS cards, health and safety qualifications, diplomas, 5 years of volunteering while not working. I couldn't even get a job with Mac D's :why:[/QUOTE] I used to be a junior officer/manager for a private ambulance company that had some NHS contracts but I left to go and study. Had a decent paycheck and tonnes of experience. Since leaving to study about a year ago I have only managed to be employed by Amazon for like a week before being let go.

[QUOTE=Boss;53012101]Yeah once you're employed its piss easy to get a CC, got a 6.5k 0% on purchases for 24 months from the halifax on a 30 min lunch break a few years back. Really becomes a laugh when you get a mortgage.[/QUOTE] a laugh as in it's even easier to get stuff, or even harder?

i had a phone contract, couple of small things here and there + 2 credit cards and my rating is 999. if you use about 20-30% of available credit, pay it off on time etc then you will build it up. not using it is pointless. if you're going to make a big purchase anyway and have the money, 0% just makes sense when HBOS do 3% interest on up to £5,000 [editline]29th December 2017[/editline] have a look at stoozing if you want to see how to take it really far

Possible dumb question but since it seems to be the current topic, will my credit rating be ok even if I've never actually had a bank loan or credit card type thing? I've had phone contracts and stuff which I've always paid on time, all of our utilities are paid through a joint account so I am not sure if that would count towards my credit score or not. I've never had any kind of real debt really but I would be pissed if I went to get a mortgage in a few years time and was told my score isn't good enough even though I've never had money problems.

I had the same as you, just phone contracts and all the utilities in my name. My score was pretty shite when I first realised it was even a thing, though I was a full-time student and wasn't working. 300/999 IIRC, or something equally low. Very Poor, at least. Dunno how old you are, but honestly, save yourself a lot of hassle down the line and just do shit to build your credit now, whilst you're not really needing it. Better to have it and not need it than be in the shitty boat I was in where I didn't have it and desperately needed it. But now I have it and can't use it so lol at me That being said, I've got no idea what effect having a job does. If you're in full-time employment, you'll probs be better off than I was. But credit score is pretty important, it gets you nicer interest rates, and agencies will be more willing to lend you larger sums. If you've never done anything to build credit score and it's average or low, you'll be offered higher interest rates and lower sums, or be outright denied. Nab yourself a CC, try to use it to build healthy history. Get yourself on the Electoral Roll. That's pretty much all there is to it.

[QUOTE=halflife_123;53013195]Possible dumb question but since it seems to be the current topic, will my credit rating be ok even if I've never actually had a bank loan or credit card type thing? I've had phone contracts and stuff which I've always paid on time, all of our utilities are paid through a joint account so I am not sure if that would count towards my credit score or not. I've never had any kind of real debt really but I would be pissed if I went to get a mortgage in a few years time and was told my score isn't good enough even though I've never had money problems.[/QUOTE] moneysavingexpert will help you [url]https://www.moneysavingexpert.com/loans/credit-rating-credit-score[/url]

[QUOTE=halflife_123;53013195]Possible dumb question but since it seems to be the current topic, will my credit rating be ok even if I've never actually had a bank loan or credit card type thing? I've had phone contracts and stuff which I've always paid on time, all of our utilities are paid through a joint account so I am not sure if that would count towards my credit score or not. I've never had any kind of real debt really but I would be pissed if I went to get a mortgage in a few years time and was told my score isn't good enough even though I've never had money problems.[/QUOTE] I dont think you would get rejected for a mortgage if you went to the table with a healthy deposit (10-15%) plus 6 months worth of pay slips. Loopoo - A laugh meaning they'll throw credit cards at you. I'm actually 3 months off my latest 0% offer ending will go see whats good now interest rates have started to go up.

if you lot don't wake up in the morning and put hot chocolate powder in a mug and fill it with coffee and milk, you're not starting your mornings right. made a cup of coffee in an aeropress, used 3 heaped teaspoons of twinings hot chocolate (the best imo), put it all in a cup, filled with milk, and squirted tonnes of anchor cream on top. sipping this knowing today's gonna be a good one

[QUOTE=loopoo;53015599]if you lot don't wake up in the morning and put hot chocolate powder in a mug and fill it with coffee and milk, you're not starting your mornings right. made a cup of coffee in an aeropress, used 3 heaped teaspoons of twinings hot chocolate (the best imo), put it all in a cup, filled with milk, and squirted tonnes of anchor cream on top. sipping this knowing today's gonna be a good one[/QUOTE] At most, I have a glass of milk and don't eat till lunch. But that does sound nice, haven't had chocolate milk in a long while. Reminds me of those nestle milkshake mixes [t]https://i.pinimg.com/originals/c5/e5/4f/c5e54f34aff932cdd7caa81b762c5c44.jpg[/t]

nestle chocolate / strawberry was so good growing up, but now it's way too sweet. something else that growing old has robbed me of :disappoint: if you're extra lazy in the mornings, you can make it with instant coffee instead and then you have a coffee hot chocolate that totally sets you up right for the day. yesterday, I woke up at 6am and didn't eat til 4pm, shit's bad, yo. was even worse cause i was in town all day doing shit, but the spicy italian subway i got made it all worth it.

[QUOTE=loopoo;53015599]if you lot don't wake up in the morning and put hot chocolate powder in a mug and fill it with coffee and milk, you're not starting your mornings right. made a cup of coffee in an aeropress, used 3 heaped teaspoons of twinings hot chocolate (the best imo), put it all in a cup, filled with milk, and squirted tonnes of anchor cream on top. sipping this knowing today's gonna be a good one[/QUOTE] I like hot chocolate and I love coffee. But whenever I try s mocha or make one, I always think I should've gone for one or the other. Bug up the aeropress though. I got a new one for xmas, my old one was so knackered I needed to use twice as much coffee to make a single cup [editline]30th December 2017[/editline] I struggle to start the day without a tea or coffee. I often wake up so thirsty my stomach hurts

i've reached a stage of coffee addiction where drinking it no longer gives me any of the effects (other than letting me revert to being a normal person for the day) and not drinking it leaves me feeling like a zombie with a killer headache. to get a coffee buzz, i need to drink to the point where i get a bunch of anxiety alongside the energy, which is never worth it. i wanna quit this and have loads of energy naturally, but coffee is a cruel bitch of a mistress, and she ain't done with me just yet. plus, i can't even imagine what i'd do with my time at uni during a lunch break, grabbing coffee is a tradition i'll pass down to my children.