What are you all up to

Lovely photos Goldie.  What a pretty little kitten and a very attentive Dad. (the wine looks good as well)

We are off on our jaunt to St. David's in Wales tomorrow so really must get cracking.  I did some of the packing yesterday afternoon but as we are sharing a cottage with our youngest son and family I am finding the packing difficult.  We haven't had a cottage holiday for years and I am used to packing the caravan.  I keep remembering things that we shall need that are still in the van..  Oh well must get on.

Enjoy St Davids Millie, we were there in May and found it and the area delightful

Thanks OP.  I have never been to that part of Wales but our son worked there for a while on an archaeological dig many years ago so I am hoping he will show us around.  But as he was a student at the time I expect his time there passed in a blur.

I've learnt that if you keep up the payments on time, i.e. no arrears and use no more than half your credit limit, you will get an excellent credit score through the credit reference agencies that will enable you to get credit on 0 per cent interest, so that in effect, you are borrowing money for free. If you do need to borrow more money, it's best to ask the credit supplier to raise your credit limit rather than borrow more than 50 per cent of it. If you use your card up to the limit, it reduces your credit rating because it sends a message to credit providers that you're struggling to manage on your income and therefore, higher risk. If you have excellent credit rating, the credit supplier will usually raise your credit limit without question but once again, you must stay within 50 percent of what they agreed.

Went to the cinema last night with my daughter. We try to go at least once a week. Watched Baby Driver. Wouldn’t recommend it and was surprised to see Kevin Spacey in it. Probably War for the Planet of the Apes next week.

OH wanted to see the latest "Pirates" film but forgot to go. 

Have a lovely holiday Millie, one of my favourite areas.

On with the packing this end too........

That seems to me a dangerous way to live!  I presume you are not just making the minimum payments, as, if you have no reserves how will you be able to repay the balance when the 0% runs out.

As Taff said, I could not live like that!  What if you lost your job?  Or had to stop working because of ill health?  Also, you cannot keep on working for ever.q

There is so much personal debt in UK these days, it is really worrying.  Low interest rates and these 0% deals are not going to last for ever, so it would be best to build up a buffer.  The recommended amout is 6 months income.

Beautiful area Millie, and lots of wonderful places to visit within driving distance!  Enjoy! 

They do get through quite a bit of gas, our mains element failed when we were in Scandinavia in 2014 and we had to run it on gas for about a month, it went through a 6kg bottle in  2 weeks...

Replacing the element is an easy DIY job once you wrestle the fridge out , will you be able to replace it yourself?