What Preps are you doing this week

[londonercsecse]

Have checked my credit rating and I am no longer "very poor", I am just "poor" which shows progress! YAY ! I have still got another three years before the bankruptcy is wiped off my record (it takes six years and my order was in March 2010) and so I have applied for a second sub prime credit card so that I can have a more efficient progress in my credit history over the coming few years so that hopefully I can try and become a home owner in the spring of 2016, money / interest rates and all that jazz permitting naturally.

The way that I use the sub prime credit cards is to not use them when I need the money, but to use them when I don't need the money and then to pay off the amount that I have borrowed on time or early (such as even on the same day that I have spent the money) and to only use the thing for small amounts that I know that I can handle. This way I demonstrate to the credit agencies that I have the ability to handle credit even if the transaction amounts are just £25 each month.

I am hoping that with a second sub prime credit card card I can make the progress from "poor" to "good" a little quicker and then to, as a result of having three years of history behind me so that when my six years are up, I will see enough of an increase to permit the gaining of a mortgage for a one up - one down, ideally with a south facing roof (rain water and solar!) a fireplace with working chimney (fire ! ) and a garden (food!).

All I need to do is to stick to the plan of credit repair, keep working and I should be fine.

If I don't work, I don't use credit, its that simple.

Wow, honest post!

[londonercsecse]

Purchased the cheap chimnea that I have been lusting after, £29.99 from B+M, a cast iron garden jobby. Quite nice. using it inside to make bioethanol burning safer.
As I felt bad after one burning (not sure if its because of some gaseous poisoning from the burning alcohol due to types of yeast or nutrient or "heads" or "tails" from the distillation run, because I didn't sleep well and went to bed late and got up early, because of health or the fact that the weather is in fact quite nice and warm and I am unused to feeling this cozy) so I have ordered a carbon monoxide detector so that I can eliminate possible causes and can make a good diagnosis. in reality I should have got myself one before I started this track of playing around with combustion of anything, but what the heck, we live and learn.

Bought one from there last week for £39.99, got the same idea for hetaing in en emergency. Will buy 2 carbon monoxide detectors for the kitchen...

[Moony]

Have checked my credit rating and I am no longer "very poor", I am just "poor" which shows progress! YAY ! I have still got another three years before the bankruptcy is wiped off my record (it takes six years and my order was in March 2010) and so I have applied for a second sub prime credit card so that I can have a more efficient progress in my credit history over the coming few years so that hopefully I can try and become a home owner in the spring of 2016, money / interest rates and all that jazz permitting naturally.

The way that I use the sub prime credit cards is to not use them when I need the money, but to use them when I don't need the money and then to pay off the amount that I have borrowed on time or early (such as even on the same day that I have spent the money) and to only use the thing for small amounts that I know that I can handle. This way I demonstrate to the credit agencies that I have the ability to handle credit even if the transaction amounts are just £25 each month.

I am hoping that with a second sub prime credit card card I can make the progress from "poor" to "good" a little quicker and then to, as a result of having three years of history behind me so that when my six years are up, I will see enough of an increase to permit the gaining of a mortgage for a one up - one down, ideally with a south facing roof (rain water and solar!) a fireplace with working chimney (fire ! ) and a garden (food!).

All I need to do is to stick to the plan of credit repair, keep working and I should be fine.

If I don't work, I don't use credit, its that simple.

Don't get me started on credit reports - I've just had a nightmare trying to apply for a mortgage because my bank didn't update my records after I paid off a loan early. The file was still with the credit referencing agencies with a large loan balance showing, even though I paid it off over a month ago, therefore my mortgage application was refused. It was a hell of a fight to get it fixed, I'd just typed up a letter last night threatening legal action - checked one last time when I got up this morning and it has (at last !) been fixed. My credit score was 'good' throughout this, but that didn't matter because the computer said I couldn't afford mortgage repayments due to loan repayments that no longer existed

Prepper's POV - Check your credit report regularly and make sure that whatever is on there is correct. Banks might have no trouble adding black marks to your credit report almsot instantly, but when it comes to any positive changes they seem to drag their heels somewhat (or maybe that's just my glass half empty today).

[nickdutch]

Fitted my carbon monoxide alarm and have fond that it didn't detect CO from burning ethanol so I am ok.

Just one more thing to make me feel safe.

[24942895]

A big order with asda has replaced all the backup food I've eaten recently & more & food to eat now, mostly pasta, noodles, rice & beans added.

Normal service resumed

Sent from my GT-I9100 using Tapatalk 2

[jansman]

Fitted my carbon monoxide alarm and have fond that it didn't detect CO from burning ethanol so I am ok.

Just one more thing to make me feel safe.

Nick, my woodburners will frequently 'blowback' if the wind over the chimney is wild. The carbon monoxide alarms stay silent. OTOH my inlaws had a pigeon nest in the chimney, which is the flue for the gasfire. The alarm kept going off. They are elderly. Jan went mad! Dad was slurring speech, Mum a bad headache. I got on the roof and pulled out the nest! How did we know?Watched the birds in and out. Those detectors work.

[stevegray]

Re credit reports - what do fellow preppers use for obtaining their credit reports? I use noddle.co.uk (no affiliation), which is free and seems to work ok.

[nickdutch]

Re credit reports - what do fellow preppers use for obtaining their credit reports? I use noddle.co.uk (no affiliation), which if free and seems to work ok.

Equifax is the online one I use.

[dazz675]

experian.... ive had to inform them of credit cards i hold that they had no record of..... it is good idea to keep track though against identity theft cant believe the amount of data people share online especially facebook

[nickdutch]

Made myself another 5 solid fuel briquettes out of papier mache. Used two margarine tubs to make the press, the one underneath with holes in it cut with a pair of scissors and the one on top applying the pressure from my fist and my body arched over and with me on tippy toes.

Sure it ain't the best compression in the world, but if I can eventually use them to heat water or cook a meal at some undisclosed time in the future, then that's great and it will save me from foraging for twigs when I might not have the time.

As i am not using very high compression (no car jacks, no compression machines and no commercial "log makers"), I may add some flour to the water to make a flour and water glue to make the briquettes tighter and to add a binding agent.

Cutting up the paper can be done whilst watching TV or listening to music, just your standard down time, and the compression (in the bathroom) doesn't take too long.

Just gonna let the things dry out on a windowsill.