Corona Virus Concerns
Comments
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I wonder what, if anything, they'll be charged with? If they're charged at all 🤐. Minimum they should be paying the cost of providing all those resources, oh I wish 🤐🤐.
Contrast with something I caught on the news where 'rukes' not followed €1000 each. Here £60 halved if paid quickly..........
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I am curious......are there some of you who have bank cards or credit cards where your spouse Is not also a card holder? As in a joint bank account or an additional card holder on a credit card account?
If so, is this not a bit inconvenient at times?
We have a joint current account for DDs and SOs, but day to day spending is on credit cards. One bill later is easier to deal with than multiple debit card payments.
We have various cards, but whoever is the card holder, the other is an additional cardholder.
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If it wasn't for the fact that I don't want to bring anything home to OH I wouldn't bother. Far too much effort, can't choose your own fresh stuff, not sure what will be available thus arrive. So you may plan say, steak, mushroom, fried onions, runner beans carrots etc. But then no steak so whereas you'd adjust if in store no chance for online!
Hopefully I'll get things sussed to suit us our market has great fruit and veg and I'll sort that very soon, just carrying it back home, but it can be done 😉
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I wonder if Waitrose are prioritising previous customer with their My Waitrose Card? We received an email from them early on accepting us for priority deliveries taking the details from their loyalty card as we are regular customers, albeit in store. Since then we have had no problems getting deliveries. Although I should add that if Margaret logs in she gets the delivery slots but if I try (despite having my own My Waitrose card) I get nothing!!!
David
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Kj, separate card accounts means if one of you loses a card or shuffles off this mortal coil, the card on the other account will not be frozen as would be the case with a named cardholder on the same account.
Paying two accounts by DD takes no more effort than paying one once DDs are set up.
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It’s unusual to find a joint credit card account, JV. The usual way is for the account to be in the primary card holder's name with him/her being the person legally liable for the debts incurred by all card holders. Interesting.
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You misunderstand.....we both have our own cards, but also both have second cards.
For example, we both have Barclaycards and we both have Halifax Clarity cards. Each is second card holder on the other's account.
Then I have the Nationwide card, and the Sainsbury card, OH is the second card holder on both.
OH has the Tesco card and the Partnership card, I am the second cardholder on both.
The ones we use most these days are the Barclaycards, but the others also have their unique features.
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Yep make sure you've got every eventuality covered 😉.
We each have 2 current accounts and 2 joint accounts - interest reasons, but it needs reviewing very soon when I can summon the courage to organise!
I am named cardholder on OH's credit card. I do not have him as a named cardholder on my credit card 😂.
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I thought I was, at least in part, answering your question regarding the inconvenience, or otherwise, of not having second cards, Kj. Apparently not. 🤷🏻♂️
Do you mean you have 12 cards between you spread over 6 accounts?😱 Do you not find that inconvenient and confusing?
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Actually we have a few more than that, but most of them are only used very occasionally! Less used these days now we are not travelling so much.
No, not at all confusing, I have it all on a spreadsheet, we review the outgoings at the start of every month, and stash away what will not be needed, all very organised.
OH is very organised financially, if I did not have the spreadsheet she would have it all down on paper, like she used to do until a few years back.
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I’m speechless, Kj.
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Likewise, I mean full respect to Kj for keeping track of so many but life is complicated enough and it all comes from the same funds.
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As we only regularly use 3 or 4 of them, it is not at all difficult. Some of the others are a bit of a hang over from the past, and we could tidy them up a bit, but it is still useful to have access to a good bit of credit just in case.
The Sainsbury one is a 2 year Interest free spending card, the balance on it is down to DD, we got it so we could get stuff for her house projects without putting things on our cards. It will go soon.
Barclaycards are from way back, one of our original cards, the second account was so I could keep a separate card for business expenses. We kept them both as they have different statement dates, about 2 weeks apart, so we can maximise the "interest free" days.....all helps to spread the spend, not that it is that large these days! They still give some small rewards which can be exchanged for vouchers to spend.
Nationwide Gold card was our original spend abroad without costs card, then we got Halifax Clarity cards when they were introduced as they allow cash withdrawals without fees. Again one each to spread the spend, and then latterly using one for spending abroad and one for withdrawing cash. I think there used to be some reward for using them, but not any more. Now we are not going abroad much, we just keep them for occasional use. I may have to go to Norway for some reason, so need a card I can use there without huge fees.
Forgot the M&S card, one of our oldest, a transfer from their original charge card, only used in M&S and gets points and spending vouchers.
Partnership Card also earns points at Waitrose, we got it as we got a new store here, why not take advantage of what is on offer?
Tesco card also earns Tesco Clubcard Points and hence vouchers, why not have it? We have a local Tesco store. Also use it when touring and buying fuel at Tesco. Every little helps after all!
I also have an Amazon card, gave me a £25 voucher to use, and OH has a TSB card which gave cashback for 12 months, no longer, so one to close down.
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I know exactly what you mean! in fact with all this lock down and ordering from home or Mrs C doing the shopping both with her card, when I did use my card a few days ago, I couldn't actually remember it, what saved me was 'muscle memory' I could remember what pattern my fingers did on the keyboard but not what the numbers actually were - whew!
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We each have our own separate bank accounts, although both are in joint names but we only use our own cards. Same with credit cards, we have our own accounts and if they do provide a second card it's never used. We probably have too many credit cards now for what we need. Over the years we have tended to collect a few for going abroad as in the past we found some countries took Master Card and others Visa but most both. One of them is a Tesco Card as we used to collect the points for Eurotunnel. Another is a Clarity card which we used to withdraw money abroad so some pruning could be done there! But our main cards are Partnership Cards as it has a pretty good reward system with the gift vouchers that can be used in John Lewis or Waitrose. We usually save them up and treat ourselves to something for the house.
David
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I have changed all my PINs to various numbers that are meaningful to me so easy to remember, then I also have a note of all of them in a password protected file on my PC, so I I can refer to it for those I use less often and can forget.
As we only use 3 or 4 regularly out in the shops, it is not a problem for me, the ones I use only on line at home I can look up
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Keeps the grey cells active, and it is interesting to make the various spreadsheets!
I never used to take anything to do with our spending, I earned the money and OH decided how to spend it. She always spent wisely.
But a few years back she decided that I needed to know how to operate things should anything happen to her. So I had a crash course on how our finances operate!
It is now less complicated than before, not that it was that complicated anyway.......according to OH who is a financial expert.....gets it from her mum......but to me it is still quite complicated, but I am getting there,
We have reduced the number of bank accounts we have.....each has or had a specific perk like a good interest rate........not any more however! Some saving ones are now empty, but we keep them in case they might improve their rates....hopefully. One we have to receive my Norwegian pension as they do not charge for doing so.
Our main account is joint, that is the only one I keep an up to date spreadsheet on, and all spending eventually comes out of it and always has. The others I know about, and can operate, but meantime leave OH to deal with.
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We have 2 credit cards Nationwide and Tesco, OH is card holder I'm the second named person.
We have a joint Nationwide Current account (main working account)
Then OH has current and saving accounts with TSB, I have Current and saving with M&S.
We each have (as of last week) a savings account with Coventry.
I also have a Nationwide Flex Direct account.
Forgot the Tesco current accounts we have 1 each. (now not used)
We each have our own Caxton cards.
Like Kj some of the accounts were switched from previous banks to get the high rate interest. Some are new, and some are now not used.
Only the Nationwide ones are used on day to day, the others are kept just in case a card is stolen or lost. That way we have access to money at all times. All but the Tesco accounts have money in them, some just have better interest rates.
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B2 wrote "Contrast with something I caught on the news where 'rules' not followed €1000 each. Here £60 halved if paid quickly.........."
If the fine was bigger, it would certainly focus the mind more.
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Wow!!! have you thought about the financial mess you will leave for some one to sort should you both not be around for whatever reason, not wishing this on you of course. We were similar but a couple of years ago we centralised everything to make it easier for us and possibly others to manage, afterall, with current interest rates we would need a lot of money in an account to pay for my monthly booze bill
hope you dont carry all those cards around in one wallet 
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Yes 😇.
Every year, usually between Christmas and New Year, I print 2 A4 sheets of details, which I update by hand if things change. It gives bank/building society/whatever, account numbers, how much is in there, interest paid and withdrawal conditions. This started because they stopped Pass Books and gave buts of paper that looked irrelevant 😤, that has changed now. OH and kids know where it's all kept, and whenever we go away we retell the kids, they finish the sentence , even she who lives in NZ 🤣🤣.Once we let them parrot off where it was, then told them it had been moved 😉
I operate a bit like KjNelln's OH, but don't do spread sheets, computer might not be accessible for others or me 😱. So its books and paper for me. I've always managed our money, with OH approval - well that that I tell him about 😱😇. It didn't interest him other than what we had to spend and didn't get into debt.
Most were acquired for the interest they paid, Santander 123 as an example, paid good interest up to £20,000 and cashback on certain DD's minus a £5 fee . At that time our joint bank account was Santander. So we converted joint and did one each, meaning decent interest, paid monthly 😉 which was moved into a separate account, paying decent interest. Done monthly online, bank cards currently stored away as only effectively savings accounts. However because of the reduction in interest rates we are ditching them, another reduction in a couple of months, for 123 Lite. So long as the cashback paid the fee we won!
For various reasons we opening other savings accounts, some the reason for saving ie kids housekeeping, still sits there 😉, grand children, trips to NZ, we also opening Nationwide Flexi accounts, joint and individual (although OH rarely uses his). At one time Bradford and Bingley paid 10%, in the last 15 years, on regular monthly savings possibly advertised as Christmas savings. That's what started it. If I'd saved it and could manage without touching all or some of it for it's intended purpose I hung onto it 😀, that went a long way to buying our motorhome!
It wasn't until rates kept dropping that I faffed around like this, when interest rates were very good we only paid a mortgage with a little bit of rainy day money plus a bills account which covered quarterly bills, house insurance, holidays etc. At that time we had a family and a mortgage with 17% interest 😱. Now it looks like my next rainy day job is to consolidate and reduce but no easy in these times!
I quite enjoy the process but wouldn't want to do it for a living.
Another great morning here, been out for a walk , started just after 0630 in shorts and tshirt to admire VE75 decorations, lovely, imaginative too. Kids have done lots of chalking on pavements related and non related. I had 3 goes at hopscotch 😀 I had to miss some others as they were drawn for tiny tiny people 😂.
Breakfast and towel wash finished time to start in the physical world. Stay safe folks.
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