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  • EADD Moderators: Pissed_and_messed | Shinji Ikari

Random MSN Gibberings XCIX: Better late than never

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oh%20no%20you%20didnt%20saddamm.gif
 
YellowPolkaDotHalo said:
So anyway.. whats occurring Corny.. did you manage to get any dough chuck?


I had work started on a tooth last week too. The temporary cap came off and I've had a sharp spike of the remaining tooth scratching my tongue. Its murder!
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Still no dough but I have food and shelter. (And god and jesus aswell).

StoneHappyMonday said:
You're like that geezer in front of the tank in Tiananmen Square Cornish. :)
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You know it SHM. %)
 
^^hahaha :D

Ello again EADD, It is good to be able to post again, my computer finally died for good on me and my ps3 would hardly ever connect to the internet so had to go without internet for about 3 weeks, I was able to increase my overdraft by £400 yesterday because my student account changed into a graduate account so I was able to get a new laptop, picked it up from PC world not long ago, is a bit strange using a full size laptop after having a netbook for the last 3 or 4 years, I'm sure I'll get used to it though.
 
Mugz said:
^^hahaha :D

Ello again EADD, It is good to be able to post again, my computer finally died for good on me and my ps3 would hardly ever connect to the internet so had to go without internet for about 3 weeks, I was able to increase my overdraft by £400 yesterday because my student account changed into a graduate account so I was able to get a new laptop, picked it up from PC world not long ago, is a bit strange using a full size laptop after having a netbook for the last 3 or 4 years, I'm sure I'll get used to it though.
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Welcome back Mugz! Does this mean you've just graduated? BA(Hons) Mugobian?
 
knockando said:
Welcome back Mugz! Does this mean you've just graduated? BA(Hons) Mugobian?
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Nah, it was just a banking formality that I managed to take advantage of, I haven't been a student in over 3 years but the account automatically updated and made me eligible for an extra £400 0% interest overdraft, it's £2000 now my limit is.
 
careful mugz, in a years time the account will automatically turn into a 'got a job account' and they'll ask for all £2k back pronto
 
I've just started paying interest on my natwest student overdraft, at 2k you will be paying nearly £40 a month just in interest alone before long. IIRC they scale back the interest free amount every year after your account is changed from student to graduate.

Edit: The rates have changed since I last looked, 2k interest free in the first year then down to 1k in the 2nd year and £500 in the third.
 
ponch said:
I've just started paying interest on my natwest student overdraft, at 2k you will be paying nearly £40 a month just in interest alone before long. IIRC they scale back the interest free amount every year after your account is changed from student to graduate.

Edit: The rates have changed since I last looked, 2k interest free in the first year then down to 1k in the 2nd year and £500 in the third.
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Your edit sounds very similar to the information I got in the pack that I got before my account turned to a graduate one. It still gives me a year to clear my overdraft which is easily done in theory, will just have to get used to not maxing it out every month. Even if I have only cut it down by £1k in a year it will still only be about £20 a month in interest. I know I've said it many times before but I do aim to save my money so I can get away travelling in about a year and a half, so the overdraft being 2k is handy as if I manage to clear my overdraft then even if it is no longer an interest free limit I will still be able to withdraw the max from it and take it travelling with me.


I've got some time off work in August, am thinking about maybe meeting up with some blighters during the time, anyone free on any dates during the last 3 weeks of August?
 
ponch said:
I've just started paying interest on my natwest student overdraft, at 2k you will be paying nearly £40 a month just in interest alone before long. IIRC they scale back the interest free amount every year after your account is changed from student to graduate.

Edit: The rates have changed since I last looked, 2k interest free in the first year then down to 1k in the 2nd year and £500 in the third.
Click to expand...

I graduated 3 years ago and they haven't said a word or done anything about it lol.
 
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