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14 hours ago, Rasputin said:

Someone should start a go fund me for Baracus so he has the money for a deposit on a house. He’d then hopefully spunk it in one weekend on pot noodles, puggies and hookers.

And completely waste the rest of it.

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With a long weekend coming up I decided to spend a few bob on Tequila and Triple Sec (couldn't find any so got Cointreau instead).

Looking round I can't find measures for Margaritas that agree with one another.

What's your recommendations for my delectations on Saturday night?

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3 minutes ago, Zen Archer Esq. said:

With a long weekend coming up I decided to spend a few bob on Tequila and Triple Sec (couldn't find any so got Cointreau instead).

Looking round I can't find measures for Margaritas that agree with one another.

What's your recommendations for my delectations on Saturday night?

Decided last year to have a go at Margaritas, give up after a few attempts because they were all too strong regardless of the mixture/proportions.  If you find an acceptable one please let us know.

 

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7 hours ago, Zen Archer Esq. said:

With a long weekend coming up I decided to spend a few bob on Tequila and Triple Sec (couldn't find any so got Cointreau instead).

Looking round I can't find measures for Margaritas that agree with one another.

What's your recommendations for my delectations on Saturday night?

Been a while but I used to go 2 parts Tripe Sec to one part tequila. Maybe freeze some glasses too and then salt the rim before pouring the drink in. Plenty of slices of lemon. 

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7 hours ago, Zen Archer Esq. said:

With a long weekend coming up I decided to spend a few bob on Tequila and Triple Sec (couldn't find any so got Cointreau instead).

Looking round I can't find measures for Margaritas that agree with one another.

What's your recommendations for my delectations on Saturday night?

Ditch the margaritas, get some vodka, Bacardi, blue bols, coke and your above ingredients bit of lime and destroy your liver in a weekend of Long Island Iced Teas.

 

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@DA Baracus - I was fucked financially just over a decade ago after an extended period of ill health, and ended up entering a Debt Arrangement Scheme to pay off about £10,000 that I was only just able to pay the interest on. I was screwed enough that I was advised just to declare bankruptcy. It was absolutely miserable, as you say, but it was all paid off after five years of being utterly broke. I just tried that Clearscore thing and apparently my credit score is higher than the national average now; I'll take that.

Thankfully, the wife and I had managed to take out a mortgage right before that, and just before the credit crunch. I was (still am) on minimum wage, and the wife can't work due to disability, so we didn't have much money. We had enough for a 10% deposit due to an inheritance, which I think might have taken us about five years to save for (assuming the shit hadn't hit the fan). I'm thankful for that every day, as the mortgage payments are less than half of what it would cost to rent our place. We got lucky.

I'm by no means a success story, but if you can get that DAS finished and spend six years rigidly putting money away, your bad debt history will have disappeared and that lump sum will look quite attractive to lenders. Make sure not to miss payments on anything without prior arrangement, and get a shite credit card to pay your bills with, and pay off the balance entirely every month. It'll take discipline, but you'll get a mortgage, if it's what you want. Especially if you can get some extra income from that sex pram side hustle.

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From what I've read, even having taken a payday loan, no matter how long ago, will pretty much debar me from being able to get a mortgage. Seemingly it's a huge red flag when they look at your borrowing history, no matter how long ago it was. 

Also I did want to go down the bankruptcy route, but could afford to (it cost £200 in 2012 to do it).

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15 minutes ago, DA Baracus said:

From what I've read, even having taken a payday loan, no matter how long ago, will pretty much debar me from being able to get a mortgage. Seemingly it's a huge red flag when they look at your borrowing history, no matter how long ago it was. 

Also I did want to go down the bankruptcy route, but could afford to (it cost £200 in 2012 to do it).

That's not the case.

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I think generally so long as you pay back the loan, the banks would be happy.

Actually having an overdraft and paying it back each month, may give you a better credit rating, than not having an overdraft at all
I wouldn't say that's advisable. Using an overdraft suggests you can't budget, even if you pay it off.

As BFTD said, having a credit card you use regularly and pay off in full each month is a good way of improving your credit.

I was in a similar position quite a few years ago and paid most of it off, the rest was kind of written off - long story. After a few years all the bad stuff dropped off and my credit score was really high. That was until M&S bank decided that, despite agreeing a payment break last year due to covid, they would default it and send it to a debt collection agency. My score has halved.

Proper gutted
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2 hours ago, DA Baracus said:

From what I've read, even having taken a payday loan, no matter how long ago, will pretty much debar me from being able to get a mortgage. Seemingly it's a huge red flag when they look at your borrowing history, no matter how long ago it was. 

Also I did want to go down the bankruptcy route, but could afford to (it cost £200 in 2012 to do it).

It depends. If you've taken one payday loan five years ago, paid it back and have never taken another, then most banks / building societies aren't interested.

If you've taken three in the past year, that's a red flag.

Incidentally, there is no such thing as a "credit score" in the UK. They are marketing gimmicks run by the credit referencing agencies.

Edited by Gaz
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It depends. If you've taken one payday loan five years ago, paid it back and have never taken another, then most banks / building societies aren't interested.
If you've taken three in the past year, that's a red flag.
Incidentally, there is no such thing as a "credit score" in the UK. They are marketing gimmicks run by the credit referencing agencies.
Seeing your "credit score" can still be useful though, especially if you think you'll have problems getting credit.

The sites will have suggestions on how to improve your credit too, although they all push "offers" on you more than they used to.
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19 hours ago, Granny Danger said:

Decided last year to have a go at Margaritas, give up after a few attempts because they were all too strong regardless of the mixture/proportions.  If you find an acceptable one please let us know.

 

 

12 hours ago, Rasputin said:

Been a while but I used to go 2 parts Tripe Sec to one part tequila. Maybe freeze some glasses too and then salt the rim before pouring the drink in. Plenty of slices of lemon. 

Cocktail paraphernalia purchased, mostly for the wee measuring cup, I'll keep you in the loop.

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15 hours ago, Rasputin said:

Been a while but I used to go 2 parts Tripe Sec to one part tequila. Maybe freeze some glasses too and then salt the rim before pouring the drink in. Plenty of slices of lemon. 

Sounds offal.

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