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Money Magick

By Money / FinancesNo Comments

I previously posted about my finances (See Credit Crunch). I had wrote a letter to the bank explaining my income, my expenses and one off expenses this month (MOT, Road Tax, etc.). I also advised the bank when the best time (for me) would be to reduce my overdraft facility. I then sent out some energy intentioned to help sort out my finances into the astral plane.
(Note: Citrine is a good crystal for money magick.)

I recieved a letter a few days ago from the bank stating they will not reduce my overdraft this month. They have stated that they will review my account monthly. So I still need to watch what I spend and save up to pay the overdraft back a.s.a.p.

It reminded me of my strong will and personal power that I have to influence mine and others lives. But I always need to remember: With great power comes great responsibility.

In love and light,

Antony x

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Tuesday 25 August 2009

Credit Crunch

By Money / FinancesNo Comments

I must admit that I was worried about the credit crunch when I applied for a mortgage (see The Move). But it all was fine and I thought I had escaped any impact the credit crunch could have on me, wrong!

My main overdraft account is being reduced by £1,000. Ok this is not really because of the credit crunch. Apparently it’s in the terms and conditions of my account as a graduate. 🙁 I mean who reads the small print when you open a new account?

My other account the bank has wrote me a letter. It says I am no longer “elligble” for my £450 overdraft. Not elligble. This could potentially be the credit crunch or the fact I don’t fund the account as much as they would like.

So I have had to find £1, 450 extra cash. Inaddition to this it’s the dreaded car month. You know the month when your MOT, Car Insurance and Road Tax is due.

Recognising this cash flow problem I applied for a credit card. Tesco and M&S rejected me, can you believe it? I have never had a credit card before but always paid my other bills (mortgage – rent before this, phone bills, etc.) on time. The cheek of them. I applied for one more with The Bank of Scotland. Approved. Yes. Must remember not to go crazy with it.

Write soon,

Antony

(P.S if you happen to know the winning lotto numbers…feel free to post a comment with them!)

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Monday 24 August 2009

It’s all in their hands

By Friends & Family, Life, Money / Finances, Thinking2 Comments

Hello Readers!

I am fustrated today as everything in relation to the apartment is in their hands. So who’s them? The house builder, the financial advisor, the bank, etc.

There is nothing more I can do at present and no way to speed the process up. I want to move as ASAP (see Not a Happy), but it looks as if there are going to be a few delays. This is why I am sooo fustrated. I guess I’ll get there, just things aren’t as straight forward as I thought they’d be.

On a positive note on Monday my Mum, Sandra (offical title my Step Nan) and I went watching Tina Turner (photos and a few clips to come soon promise).

With regards to David, he has adjusted to the inital shock that I as he puts it will soon “be a home owner”. I tell him off when he says this – I sometimes don’t feel grown-up enough to own my own home. Besides which the bank will technically own it for the first 35 years, so it will just be like renting (apart from I get to keep the place when I’m old(er)).

I’ll keep you all updated and promise to get the Tina Turner stuff online when I get a spare second.

My Love to All,

Antony x

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Friday 3 April 2009

Things are changing…

By Friends & Family, Happiness & Joy, Inspiration, Life, Love & Relationships, Money / Finances3 Comments

…and it’s all good!

I know I have started to feel stuck in a rutt. So I decided to get myself out of it!

I went to an apartment block to see if their were apartments to rent but soon discovered on entering the sales office that there weren’t. But with the encouragement of a work colleague (and friend) we viewed two apartments. The second I loved!

So yes, I’ve decided to buy. If I can. I have reserved it and am meeting with a Financial Advisor (who’m I have already been in communication with) and we are going to put an application in. So I don’t want to give any further details at present or supply photos, until I’m certain.

But if all goes well, I could be moving out of this house-share in 6 weeks or less! Yippee!

I would like to thank my family, friends and work colleagues who have had loads of open and honest conversations with me. You have been a invaluable source of support – allowing me to use you as sounding boards. However special thanks must go to (in no particular order): Simon, Mum & David. They have been fantastic! Thank you.

Update you soon,

Antony x

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Sunday 15 March 2009
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