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 Post subject: Re: The 'Yay!' thread
PostPosted: Tue Jan 26, 2021 18:46 
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Decapodian

Joined: 15th Oct, 2010
Posts: 4277
KovacsC wrote:
Grim... wrote:
I'm sorry - it went down by over 30%?! That's insane.


Yup.

Bad Credit Kovacs could only get finance for 34.9%
Good Credit Kovacs can get for 3.4%

It just shows how important credit ratings are.

I guess if I shop around I could get better, but I will wait 6 months, so the hard searches drop off.


The best you'd get from any lender with any rating looks like 2.8% which would only be a few quid a month difference.
The hard work has paid off for you there.


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 Post subject: Re: The 'Yay!' thread
PostPosted: Tue Jan 26, 2021 19:56 
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Ready for action

Joined: 9th Mar, 2009
Posts: 8273
Location: Top Secret Bunker
That's amazing Kovacs, well done. I had bad credit when I was younger which was a hangover from getting kicked out the house and sofa surfing for ages. It took a long time to get it sorted and even longer to realise it was sorted and I still often get that feeling in my chest when I'm at a cash machine in case the bank swallows my card, or my balance has somehow went into the negative, or if I apply for credit convinced it's going to decline even though I'm in a good financial position now.
You've done amazing to take a bad situation, plan your way out of it, and then execute that plan. You should be really proud of yourself :luv:


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 Post subject: Re: The 'Yay!' thread
PostPosted: Wed Jan 27, 2021 0:41 
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Fitness Nut...

Joined: 25th Sep, 2008
Posts: 20776
Location: shropshire, uk
Thank you very much. It feels great to be stable at last.

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 Post subject: Re: The 'Yay!' thread
PostPosted: Wed Jan 27, 2021 8:18 
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Board Mother

Joined: 6th Apr, 2008
Posts: 10625
Location: Mount Olympus
KovacsC wrote:
Having had bad credit for years, it seems it is is getting better, my bank allowed me to refinance my car. They offered me an APR of 3.4 instead of my existing 34.9. This means I can clear my car finance 2 years earlier and save over £5000 in interest. For the same monthly payments.

I think that is a bit if a yay.

This is amazing news. I'm really pleased for you. :luv:

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 Post subject: Re: The 'Yay!' thread
PostPosted: Wed Jan 27, 2021 10:06 
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Joined: 27th Mar, 2008
Posts: 22683
KovacsC wrote:
Thank you very much. It feels great to be stable at last.

That’s amazing. So pleased for you x

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 Post subject: Re: The 'Yay!' thread
PostPosted: Tue Feb 02, 2021 17:00 
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"Praisebot"

Joined: 30th Mar, 2008
Posts: 16338
Location: Parts unknown
Yay's are few and far between these days but here's one... I've just been awarded a grant which means I can buy a new camera, lens and a drone for the business. The money is coming from the European Regional Development Fund which is bittersweet I guess.

I was saving money for these anyway so I can now squander that on something else. Brilliant.


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 Post subject: Re: The 'Yay!' thread
PostPosted: Tue Feb 02, 2021 17:04 
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Board Mother

Joined: 6th Apr, 2008
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Location: Mount Olympus
Yay! Great news Vision. :)

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 Post subject: Re: The 'Yay!' thread
PostPosted: Tue Feb 02, 2021 17:04 
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Joined: 12th Apr, 2008
Posts: 15815
Location: Oxford
That's excellent news!


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 Post subject: Re: The 'Yay!' thread
PostPosted: Tue Feb 02, 2021 17:07 
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gooby pls

Joined: 30th Mar, 2008
Posts: 13104
Location: Shropshire, UK
TheVision wrote:
The money is coming from the European Regional Development Fund which is bittersweet I guess.

Does this mean you have to put the ERDF logo on your website, though? Because they're super-strict about how you do it, if you are.

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 Post subject: Re: The 'Yay!' thread
PostPosted: Tue Feb 02, 2021 17:36 
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"Praisebot"

Joined: 30th Mar, 2008
Posts: 16338
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I used to deal with the ERDF in a former job and yep, they are super strict.

I won't have to put their logo on my website though as the only bit they mention about publicity is this

Quote:
Publicity of ERDF supported projects is a fundamental requirement and applicants will be
expected to comply with any reasonable request of the Project Management Team in relation
to publicity concerning the project.


I'll be happy if they want to take a photo of me with a giant cheque for the paper.


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 Post subject: Re: The 'Yay!' thread
PostPosted: Tue Feb 02, 2021 17:48 
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Harper Watcher

Joined: 27th Mar, 2008
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EDRF!!! EDRF!!! EDRF!!

Giphy "earth defence force":
https://media2.giphy.com/media/MrjMIWrGZFsTS/giphy-loop.mp4

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 Post subject: Re: The 'Yay!' thread
PostPosted: Tue Feb 02, 2021 18:02 
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Noob as of 6/8/10

Joined: 6th Aug, 2010
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Lucky that they didn't pull funding for UK projects after Brexit.

The NW ERDF team were one of my customers when I was in Gov IT, not that I knew much about their work.

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 Post subject: Re: The 'Yay!' thread
PostPosted: Tue Feb 02, 2021 18:02 
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Gogmagog

Joined: 30th Mar, 2008
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Location: Cheshire
Ace!

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 Post subject: Re: The 'Yay!' thread
PostPosted: Sat Feb 06, 2021 22:54 
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Joined: 27th Mar, 2008
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We moved into our new house today. It was exhausting, and inside the house is now chaos, but we are in. And sleeping on the floor, but we rebuilt D’s bed so that’s a start, right?

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 Post subject: Re: The 'Yay!' thread
PostPosted: Sat Feb 06, 2021 23:47 
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Joined: 9th Mar, 2009
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Yay!


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 Post subject: Re: The 'Yay!' thread
PostPosted: Sun Feb 07, 2021 9:50 
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Joined: 12th Apr, 2008
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Congrats!


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 Post subject: Re: The 'Yay!' thread
PostPosted: Sun Feb 07, 2021 10:17 
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Excellent Member

Joined: 30th Apr, 2011
Posts: 1368
Location: NL
congratulations mimi! wishing you all the best of times in your new home <3


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 Post subject: Re: The 'Yay!' thread
PostPosted: Sun Feb 07, 2021 11:14 
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Noob as of 6/8/10

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Happy New House.

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 Post subject: Re: The 'Yay!' thread
PostPosted: Sun Feb 07, 2021 15:33 
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Fitness Nut...

Joined: 25th Sep, 2008
Posts: 20776
Location: shropshire, uk
Yay...

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Kovacs: From 'unresponsive' to 'kebab' in 3.5 seconds


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 Post subject: Re: The 'Yay!' thread
PostPosted: Mon Feb 08, 2021 16:23 
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Board Mother

Joined: 6th Apr, 2008
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Mimi wrote:
We moved into our new house today. It was exhausting, and inside the house is now chaos, but we are in. And sleeping on the floor, but we rebuilt D’s bed so that’s a start, right?

That's a great achievement on the day you moved in. Sleeping on a mattress on the floor is all part of the adventure. Good luck on getting the rest of it done, and take you're time. You're not going anywhere now. :D

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 Post subject: Re: The 'Yay!' thread
PostPosted: Mon Feb 08, 2021 23:35 
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Can you dig it?

Joined: 5th Apr, 2008
Posts: 3857
Yay! May boss and HR agreed to a salary review and a pay rise after I stamped my little feet about how an equivalent position (one with slightly less responsibility even) at a similar place was far better paid.

BUT the paperwork and payroll stuff hasn't been done yet so I've not seen any of the extra pay I was promised from the start of this year. The HR dept can take a little bit of time to catch up, and they do backpay if required... But if it doesn't happen at all I shall be very cross indeed.

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