Recession

Isn’t it funny how despite being in the middle of what some would call a recession/credit crunch that I keep getting flyers through my letter box for credit cards. Why on earth would I want to get a credit card/loan or mortgage when people are more or less on the breadline and living in their cars. Apparently people in America are in such financial turmoil that they have missed payments on their mortgage and having to live in their cars. A girl like me is easily swayed too. I got a second credit card in April and one main reason that I picked that bank was because not only was there a good offer on the table but they also had pink credit cards! How Cher in Clueless, Elle in Legally Blonde! Fabulous, I just had to have this slotted in my purse.
But they key is to make your payments on time and always pay more than the statement says. So I am just baffed as to why they keep sending me credit card applications in the post because Lord knows I have missed a few payments.

Credit crunch, the cereal?

Apparently they are going to start producing a cereal called Credit Crunch, heck if it means I’ll be saving money on food I might just purchase it. I’ve noticed the price of Bran Flakes creeping up! I even noticed that Surf went from £1.89 to £1.99 in the shop on the high street. When I was in Asda last week, the yellow one was £1.50 I picked that up straight away, despite it not being my usual scent. But as long as my clothes are clean, that’s all that matters.
Anywho, I digress, the credit crunch is biting me hard. No longer am I up for a rave, if it isn’t popping I am not there and if it’s more than a tenner forget it. That right there is petrol/oyster/food/clothes money. Raving is not the one anymore, even a free rave just puts me off. That’s because I have found the perfect rave, ‘My house’. It’s a new one- with free entry, free food and drink and air con is not an issue.

So with recent financial times I am contemplating getting an upgrade on my car next month. But after reading this: http://www.onlyfinance.com/Car-Insurance-News/12754468-Credit-crunch-attacks-car-sales.aspx
I am thinking it isn’t worth it, I have an oyster card and a car that works so why bother?

Then I had the thought that what with car insurance prices going up, is it worth it? I am paying about £55 and compared to the £91 when I first started driving, this is good. But what about getting an 09 plate will it cost more yada yada yada.

But back to my original point, the credit crunch. I would just like to say no matter what the current financial state of the economy is you will never catch me slipping. Some people are walking the streets and slacking on vital things like ermmm deodorant. Never that.

The credit crunch may be biting hard but my tip? Never slack!

Travel insurance and the importance

Whilst on the phone to my friend a few days ago, the topic of holidays came up. How we both would love to be sitting on a beach somewhere hot and bask in the sun. We then got onto the topic of how recently there seems to be a few travel companies going bust due to none other than the infamous credit crunch. It seems to be small firms that do cheap holidays to Europe that are really feeling the effects of the current economic climate. We continued talking and for a brief moment even said how great it would be to be on holiday and get stranded because the tour operator went bust. Why would you wish that on yourself I hear you ask? Well think about it, you are in a hot country, accommodation paid for and will be there indefinitely. Provided you have enough funds to continue staying there and an understanding employer, it would be brilliant! However knowing my luck I would be ill and stranded and broke. Apparently the travel companies are going to ensure the holidaymakers get a flight home, so I guess in that sense they will be okay and will eventually come back home. And if you have travel insurance
I am assuming you would get compensation. Isn’t that the whole purpose of getting a travel policy? To ensure if your flight is delayed, or anything was to happen to you- there is the peace of mind there that you will be okay.
For that brief moment the idea of being stranded on a beach sipping a pina colada sounded so nice to us city girls, but reality kicked in and I am sure the people getting stranded aren’t enjoying it.

My health

Now that I am on the conscious eating bandwagon and waving the flag oh so proudly. I have decided to look in to getting myself some life insurance. ‘What for?’ I hear you ask. I know about that whole ‘only if you have a mortgage’ spiel that people love to go on about. But I was thinking to myself the other day, what if I was never to get a mortgage. Not everyone gets mortgages, what if I become an eternal renter? Aren’t my family entitled to something say ‘should the worst happen’. I don’t have dependents but I have a large family and it is because of this I am looking into getting a life insurance policy.
I guess things like life and health go hand in hand and I, my friend, am looking to do things the right way.

Random acts of violence

These past two days on the train to work I have experienced two things that make me understand why there are random acts of violence.
Firstly yesterday morning, a woman who sat next to me on the train with a mammoth rucksack like she was going travelling on the underground decided to barge my hand. Yes that’s right. Barge. My. Hand. Now if this was my left hand perhaps I wouldn’t have minded as much, but it was my right hand. What’s the difference? I hear you ask. The nails on my right hand are longer than those on my left, so this could have been a tragic incident something was gonna break and I’ll be damned if it’s my nail. So it’s got to be……my calmness. Not only did this heffa not apologise she seemed to have not acknowledged the incident and proceeded to get off the train. How rude. Luckily I stayed clam cos my nail never broke. If it did however there woulda been madness on the train.

So this morning, a gentleman sat opposite me who I see on my daily commute to work started coughing. As I was facing down I didn’t notice anything i.e. phlegm. But I began to notice a breeze of air hitting my hand. I looked up and he carried on coughing WITHOUT COVERING HIS FILTHY INFECTED MOUTH. I was livid. So I covered my mouth with my coat, hoping he would get the hint without me having to resort to badding him up on the train. Nope, dumbo didn’t get the memo. So I took out my mini hand sanitiser courtesy of CVS sprayed it on my hands and into the air. He got the memo. However the woman next to me had the audacity to cough like I was choking her. Listen love it’s either his SARS infected germs on the train or my clean hand sanitizer sanitising the air. Some people eh, don’t know what’s good for ‘em.

So this brings me to my first sentence, random acts of violence. I sometimes think I have deep rooted anger management issues. I mean to everyone else these may be trivial incidents. But my nails are important, I didn’t pay for them and they are real and long so maybe you can understand that? As for my OCD when it comes to coughing in confined space. Cover. Your. Mouth. Me and you are not friends even if we were I don’t want your germs in my breathing space. It’s rude and unhygienic. Don’t do it. Little things like these bother me as well…..well….let’s not get into those. But these things could drive me to going mad in public, but a girl like me has got to hold it down.

My kinda ad

The recent TV advert for Tesco price comparison is silly I think; whereas the TV advert for GoCompare is amazing. The man is walking and making some statements but what GoCompare is doing more effective in terms of attracting and stopping viewers. People are more likely to use a site where they are enticed to compare car insurance

Both are trying to grab more market share but with two different strategies at the same prime time. But the power of already established brand is not debatable.

Daytime telly ads

Whilst being off work I have has ample opportunity to watch a lot of daytime telly particularly on the Living channel. Sometimes there’s nothing like a bit of tacky Maury and a bit of ‘who’s your daddy?’
It was whilst watching this (I usually forward thru ads- but didn’t Sky+ Maury) that I noticed a lot of personal injury companies advertising no win no fee services. And banging on about slips and trips at work.
It was then that it dawned on me- maybe I could claim compensation? What for you may ask? Well for being inundated by these numerous companies, there were loads- I kid you not and I could not escape them even when I turned over. Is this what people are watching while I’m at work contributing to the economy? Putting in their Accident Claims and lving it up once they get paid out.

So surely I could claim, for broadcasting negligence or something ludicrous like that?!?