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  • EADD Moderators: Pissed_and_messed | Shinji Ikari

Gibberings CLXXIV - Cock Piss Partridge

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My debt tip is: Don't try to borrow and save at the same time, except in one specific case.

You're never going to earn more interest on your savings than you are paying out on a loan; that's how the banks make their money, after all. If you've got savings, borrow from them. The amount of interest you miss out on before repaying it will be less than the amount of interest you would have paid out on a loan. If you have a mortgage or other loan, throw every spare penny you have at it. The saving you make by repaying early will be more than the interest you could have earned by putting that money in any savings account.

The only time it's ever worth having both savings and debt is when you have a lump sum available but you are temporarily unable for contractual reasons (e.g., a fixed-rate period that hasn't run out yet, or an onerous penalty for insanely early repayment) you are temporarily unable to pay off the loan. Then, you may as well put the money into a fixed-term, guaranteed-return bond until the loan terms change. It doesn't matter about not being able to access the money until the end of the fixed term, because you can't use it for its intended purpose yet anyway. And when you can access the money, the interest it has earned will offset against at least part of the interest paid out in the meantime.
 
StoneHappyMonday said:
Marmalade fuck sake <3
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SHM, We all know you n Marmalade are together. I wish you both all the very best. I was wrong about Marmalade. I thought she was a bully but really she's a very nice person. Well Knock liked her so she must have been... Anyway I wish you both the best... and I don't wish to fall out with you over stuff... we both have friend we don't get on with, it's life... no need for animosity eh? I hope we both sorted that other day....

Besides I'm a bit... errrr scared of Marmalade :D lol

Evey
 
Update: I am in bed. My stomach has been feeling strangely warm all evening and I have come to the conclusion that I am about to give birth to an alien. Pics to follow on arrival.

Also, I am a big fan of SHM and marmz. We need more love round here, might be less drama.

Or, more likely even more. But still.
 
SummerSerenade said:
Update: I am in bed. My stomach has been feeling strangely warm all evening and I have come to the conclusion that I am about to give birth to an alien. Pics to follow on arrival.

Also, I am a big fan of SHM and marmz. We need more love round here, might be less drama.

Or, more likely even more. But still.
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You gonna call it Jeremy?
 
During high school I used to play world of warcraft until 5am and get up at half 7 and I was fine.

Around the same time I used to be borderline addicted to energy drinks but that's entirely irrelevant ;)

And no, I'm going to name the alien after my favourite poster on here. Competition starts now.
 
raas_2012 said:
You're already 4 grand or more in debt, and you're using a card to buy more booze every night? Geee whiz... Right im off laters night all. Inflo i'll see u about 5:30am
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Na-night folks but before I finally go just thought perhaps someone would be kind enough to Quote this so Evey can view it. I really had no intention of commenting but clearly if she is to calm down it is required- sigh.

I can only guess that as raas and I are often the only two people awake regularly just before sunrise and here on the threads, that it was a harmless cast away remark. He can speak for himself and I believe will say the same thing.
I am only commenting as I am not prepared to have defamatory remarks made by someone who has misunderstood a harmless comment and blown it out of total proportion and wound herself up to an apoplectic state for no reason that I know of.
I am sure when she has sobered up, re-read the thread and spoken to raas she will feel foolish and suitably apologetic. I am afraid I am not a bluelight seductress and certainly not a slag. My partner is sat next to me, he is in fact a bluelighter but rarely posts. I will not repeat what he has just said about this ridiculous storm in an eve cup-again and again to infinity...

While I have rather enjoyed being a harlot for the evening while sat in my jamas having a quick read over, I think I would like this overtly emotional and unfounded bollocks to end here.
Thanks for the nice things said people <3. I would rather Evey kept me on ignore actually. With the best will in the world I think Evey should consider some anger management counselling and think, read, evaluate and be certain before she starts unwarranted hate campaigns on people and accuse them of being judgmental etc.The word hypocrisy springs to mind. Evey you are guilty of judgement and worse and make up seemingly jealous fantastical stories about people that you have not engaged with, listened to or know.

Beauty truly comes from within- kindness, thoughtfulness and caring not the shell you were given.

<3
 
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I am in bed but I'm still here. I'm currently trying to see if I can physically reach every corner of said bed at the same time. And I can't, since I am approximately half the size of a real person.

I'm in a strange mood. Glowy but slightly err... contemplative all at once.

And night night inflo <3 agree with all of that post but am too lazy to formulate an actual reply.
 
Just ordered a curry .....

Which I can't really afford. Either in pounds or in kilos. But it's Saturday night and I have rampant munches from the very nice, locally-grown weed I have been smoking since lunchtime. So sod the diet, and anyway I'm due another feed-in tariff cheque next week.
 
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