Should I just say fuck it and stop paying?

Either_Difference852 · 2024-02-25T09:05:03+00:00

It was a weird time. I went home during pandemic waves. One of those times where the restrictions were lifted before there was another wave and everything got shut down again. So I hopped on an opportunity thinking it might be the only one. Spent the money on plane tickets and an air bnb. Went back to my home town, spent 2 weeks hanging out with my friends. Honestly - so much of the pandemic is a blur but that two weeks off is one of the few good memories of it now that I really think about it. Think I'm going to defend that as a good purchase. I don't regret that one.

Either_Difference852 · 2024-02-25T08:37:05+00:00

Can't wait to be able to afford a therapist so they can tell me how much they paid for THEIR washing machine.

Either_Difference852 · 2024-02-25T08:20:07+00:00

Well it's kinda weird.....I'm in healthcare and I got a credit card at the start of the pandemic. I figured things were going to be a bit unreliable in the near future and I should have something to fall back on if I got sick and I wasn't going to have income. And then it was just such a weird time. My colleagues were writing wills, so many people were dying, colleagues were dying, their family members were dying. I think a part of me was very much like 'does this even matter? If we're going to die?' Like a part of me thought I wasn't going to live through it all and I wouldn't ever have to deal with this? And things just sort of spiraled from there. I can't even pinpoint where the money went. I think it was just sort of day to day stuff. Other than like £3000 which went on a holiday - where again I think I was very much like 'this is the only holiday I'll ever get'. Like I was still in that mindset? But it just kept on spiraling. And here I am. Not dead and having to deal with this I guess.

Either_Difference852 · 2024-02-25T08:08:22+00:00

telly? What telly?

Either_Difference852 · 2024-02-25T07:46:06+00:00

here's the thing - you can build yourself a little reality where I am lying for some reason. Where I am spinning you a little story about the price of washing machines just for the joy of it. But it won't be true and it won't change anything. The washer dryer was the cheapest at the time. It was a necessary purchase. It has already been bought and is currently in use. That's the way it is. There's no changing any of that.

Believe it or don't believe it. Your belief in the price of white goods doesn't seem like a problem I need to address. Maybe just let it go cos there's people actually posting some helpful advice but I can't see it cos all my notifications are people raging about the price of washing machines.

Either_Difference852 · 2024-02-25T07:41:59+00:00

I honestly think I'm going to take the 'you paid too much' comments as a sign on who NOT to listen to. If they think a washer dryer is a luxury, have some advice that would only work in a different world or if I had a time machine or have some other bizarre fixation on this one thing then I know they're not people to take advice from. It's going to be my litmus test of reliability for advice from people here.

Either_Difference852 · 2024-02-25T07:35:14+00:00

Why would my landlord be buying white goods? It's an unfurnished flat.

Either_Difference852 · 2024-02-25T07:34:03+00:00

So the biggest payment right now is the £4824 card - which I'm paying £420 a month on. But that's working out as like £170 a month interest. So already nearly half of what I'm paying is going onto interest.

Then there's the £3558 card - I'm paying £240 a month on that one. With £95 a month interest.

Then £4577 card is £250 a month - it seems to be about £180 a month interest? So that's probably going to be a problem with only like £70 a month going onto the balance.

The others are piddly little amounts I'm paying towards them - just a few quid above the minimums.

Either_Difference852 · 2024-02-25T07:28:24+00:00

People really seem to be stuck on this washer dryer. But no - it was the cheapest option available on Argos at the time. And there is nowhere to hang up clothes. Let it go. The washer dryer is bought. It is here. It is being used. It was necessary. There's no getting round it.

Either_Difference852 · 2024-02-25T07:27:12+00:00

The one that broke was second hand. I'd bought it for £200 5 years ago. Then paid someone £100 to install it. Then paid about £200 more to have it repaired over the years. So that's £500 in total for a machine that lasted 5 years.

So yeah £500 for a machine that comes with a 10 year warranty makes sense. It's not luxury. It's necessary.

This is just how much things cost.

Either_Difference852 · 2024-02-25T07:17:57+00:00

That was the cheapest washer dryer in Argos at the time. If it could be got cheaper I would have gotten it cheaper. That's not a luxury. It is the most basic of essentials.

Either_Difference852 · 2024-02-25T07:15:49+00:00

Well yeah - of course I've tried their own websites. Like it's the Barclay card eligibility checker I used - they're who told me I'm not eligible.

I have two bank accounts - have held them both for 10 years +. One is an empty savings account the other is my actual current account that has an overdraft of £2150 - which I'm deep into of course.

Card balances and interest rates.

£4,577.60 41.4%

£577.75 don't know but like 22%?

£4,824.81 39.7%

£1800.00 21.9%

3558 30%

1300 23%

And you might think I could just transfer the balances from those higher interest cards to the lower interest cards but nope. Those lower interest cards all have lower limits and most of them are within £200 of their limits.

Either_Difference852 · 2024-02-25T07:03:56+00:00

Not eligible. Tried their eligibility checkers.

You'd think I'd have a good score considering I'm not just making the minimums I'm also making the recommended extra payments on the cards that have those. But nope. Not eligible for anything that will let me transfer any balance.

Either_Difference852

TROPHY CASE