Tuesday, October 07, 2008

You wait 2 months....

....And finally reclaim your computer, and can't think of what it was you used to waste 3 hours a night doing on it. Honestly, am I just rubbish? Apart from Facebook surfing for 2 hours, I can't think of a single thing to do. I'm actually watching Eastenders on BBC3 such is my lack of inspiration. Any suggestions? Keep 'em clean.

What's new? Well, I've somehow apparently evaded the credit crunch - insomuch as my bank has deemed me suitably lacking in ill-repute to lend me some money, hence getting round the potentially inconvenient "want to move but don't have any money " issue. Have to admit I was sweating, they've raped me for an interest rate I wouldn't have considered on a credit card a few years ago, and my dreams of being debt free in a year are dashed until I'm at least 33, but I have ready cash - or at least will once the paperwork is signed and returned. It eases a tiny bit of the stress that goes with trying to move, although I'm still sweating on the credit check. Whilst I believe I'm reasonably dependable, my co-residents through the past 12 years of rented accommodation may be less so and I'm probably somehow linked to any dodgy dealings on any of my addresses since 1997.

When I took the loan out I willingly bought Payment Protection Insurance - the biggest rip off in Christendom. I say willingly, what I mean is they told me I couldn't get the loan without it. In any event, it suddenly doesn't seem like such an awful idea - an extra grand on the loan versus a 40% plummet in my company's share price today, taking it to a whopping 90p a share. This from a bank that was worth 8 times that a year and a half ago. From looking on at the credit crunch from a position of mundane boredom, I suddenly feel very much a part of it.

2 comments:

  1. Anonymous4:29 pm

    Nothing to worry about between 1999 and 2000, all the bad shit's in Smith's name!!

    Neil

    ReplyDelete
  2. What he doesn't realise is that all my utility bills since then have been as well....

    ReplyDelete