It is important that this is agreed before you go overdrawn as both the arrangement fee (if any) and the rate of interest are less compared to what banks call "unauthorised" overdrafts. As a rule of thumb, it is cheaper to borrow small amounts (pounds l,000 or less) for short periods (around two months) with a credit card. An overdraft is normally a less expensive option for larger amounts,
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over periods exceeding two months.How about next year? One good resolution for 1 January is to set up a standing order to transfer a regular monthly sum to a savings account. In other words, you lose your period of free credit.The alternative is an overdraft. If this is not possible, or if you prefer not to "borrow" from yourself on the grounds that the money will never be replaced, what is the best way of bridging the financial gap for a short period?With a charge card, you have to pay your dues each month. However, with a credit card you are only required to pay a minimum of the greater of pounds 5 or 3 per cent of the balance on the statement. In other words, the good news is that you may postpone payment The downside is that you will be charged interest.
This is calculated on all your transactions from the time they appear on your account until the payment is received. However, do keep a running total of your expenditure, not just to keep your spending in check, but to ensure that you do not exceed the card limit. If your limit is inadequate, give your card company a ring and request an increase.The card trick of course is all very well if your cash flow embarrassment is only fleeting and if you do not have a permanent debt on your card. What should you do if this is not the case? Should disaster strike in the form of the car breaking down, or the central heating boiler throwing a wobbly just as the festive season gets under way, then clearly this is inconvenient.The obvious solution for those with some money put by is to dip into their savings.
Suppose the day on which your statement is normally prepared is the 15th of the month. If you use your card in shops after 15 December, your expenditure will feature on your mid-January statement with payment due early in February.By carefully planning your expenditure with your card and remembering to pay your bill, in full and on time, it means that you can postpone the cost of Christmas and pay no interest. To ease their administration, card companies generally stagger the preparation of statements from the middle of the preceding week.Purchases made after the date on which your statement is prepared will not appear on the next statement you receive. If your usual statement date for December falls on a weekend, it will not necessarily mean that your statement is prepared on the Friday or Monday.
Most of them will have been prepared on the same day each month. A few will have been dated a few days earlier.If you do a little detective work, you will find that on those earlier occasions, your normal day would have fallen on a weekend. Patrick Forbes' film tries to discover what makes Piggott tick - and can discover only money. That and a hard, wild streak that comes from mastering thoroughbreds, and the arrogance bred of being idolised by princes and paupers For some reason the Old Gits come to mind.. The Oxford Stage Company has daringly taken Melvin Burgess's award- winning novel, `Junk', and adapted it for children's theatre. Funny, honest, terrifying - it will certainly challenge parents, artistic director John Retallack tells Sarah Hemming.
Christmas is the time of year when children's theatre traditionally comes under the spotlight. But while parents agonise over whether to book their little ones in to Beauty and the Beast or Cinderella, Oxford Stage Company is busy working on a cautionary tale of a more desperate nature - one in which there is plenty of talk of chasing the dragon, but not the sort that usually frequents fairy-tales. Early in the new year, the company will tour Junk, a stage adaptation of Melvin Burgess's controversial novel about the real dangers that lurk out there for young people. Burgess's novel has won two awards (the Carnegie Medal and the Guardian Fiction Award) and been shortlisted for another (the Best Children's category for the Whitbread Prize), but it deals with the sort of bogeys that most parents wish did only live in stories. In the novel two 14-year-olds from a small seaside town run away to the bright lights of Bristol.
