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Sergio Mendacious

Doomed anecdotal megathread #2

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3 hours ago, Lorne Malvo said:

Carbomb would spell it aSDa

No, I'd spell it sAINSBURYs

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5 hours ago, Carbomb said:

No, I'd spell it sAINSBURYs

Completely wrong. 

It's sAINSBURY's.

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6 hours ago, Carbomb said:

No, I'd spell it sAINSBURYs

"fuckin' eat it" 

 

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8 hours ago, Carbomb said:

No, I'd spell it sAINSBURYs

You mean wAITROSe

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5 hours ago, PunkStep said:

You mean wAITROSe

I'm not lOKi

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46 minutes ago, Carbomb said:

I'm not lOKi

To be fair, I did think of him when I posted that.

And Chest

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On 5/6/2020 at 10:27 AM, dopper said:

I have to prepare three questions about Fishing for a quiz, and wondered if anyone here could come up with something that isn't ridiculously easy but the average person with decent general knowledge might have a clue about?

 

All I have so far (obtained from various google searches) are:

1. Which government department issues Fishing licenses in the UK? (Environment agency)

2. What is the most common carp found in British waters? (Mirror)

I'm not particularly happy with either of those but still need a third, and all I have right now is who wrote the "Fly Fishing" book in an old Yellow Pages advert?

Do you still need help with the questions? I've been fishing since I was a yoof. 

For what it's worth, I would have thought the most common carp in British waters would actually be, the Common Carp. Mirrors are very popular, but there's a reason they're called Common Carp. 

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Thanks for the help everyone. I downloaded the app @Onyx2 suggested and got some ideas from there.

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Darren Ambrose just put ‘should of’ on his Instagram story and now my world is falling apart.

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48 minutes ago, Frankie Crisp said:

Darren Ambrose just put ‘should of’ on his Instagram story and now my world is falling apart.

Next thing you know, he'll confess that Ji Sung Park took a deflection. 

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What's the general consensus on here in regards to taking out a loan to consolidate debts? A proper bank one, not a payday one or anything.

We recently moved home and due to a number of things including greedy/lazy ex landlords, my own stupidity, and a lower income between us, we owe about £400-500 in overdue council tax, and owed rent for our previous place. We also have some kitchen goods for the new place on "buy now pay later" with Curry's as our move was so sudden we didn't really have time to save.

We both have overdrafts of about £1500, mine never came off a student one so I don't pay for it, but my wife is charged a couple of quid daily. All in all, we owe about 3-4k give or take but thankfully we only pay the wife's overdraft and about £20 a month currently for Curry's. 

If we can get a decent price, is a loan worth it to basically wipe out any current/future debt and just pay one payment? On paper it sounds like the smart thing to do but I'd rather listen to people's experiences. I've never been in this amount of debt before and I've never had a loan or credit card or anything so it's all new to me.

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I wouldn't advise it, as you'll end up paying more than you would if you pay down the debts without the loan. I'm not an expert, however the Debt Free Wannabe section of the Money Saving Expert forum is fantastic for this sort of advice, I would vist there and ask for advice. Stepchange are a really great debt charity as well who can help you out, though I imagine they might be quite busy at the moment. 

I would say if you do decide to tackle the debts without a loan, prioritise the council tax arrears, as its one of the only debts you can still be prosecuted for. 

Edit: I read your post initially as you were thinking of taking a specialised consolidation loan, rather than a regular bank loan. I guess it all depends on the rate of the loan, and the repayment terms. I'd still suggest posting on the MSE forum or speaking to Stepchange. 

Edited by gmoney

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