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Post by Stranded Hatter on May 2, 2024 14:22:07 GMT
Call me old fashioned but what about saving up for it yourself? We all know approximately when renewals are. There's nothing to stop anyone putting aside £x a month towards next year's ticket. I know people are struggling but if you haven't the funds to do it this way how are you going to cover monthly/quarterly installments? But then I was brought up to save for something if you can't afford to pay in one go, and have never had a credit card. By the way I'm not saying the club shouldn't be offering some kind of spreading the costs for those who want it. Its just that no one seems to have mentioned the obvious. I’ve always been a saver, but there are times when a 0% interest job works out better.
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Post by Ngard on May 2, 2024 15:33:51 GMT
Nothing wrong with credit lines so long as you know what you are doing and don't act like a child treating it as if it's free money.
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Post by countybumpkin on May 2, 2024 18:21:32 GMT
I do agree that saving up is the ideal option if you can manage it. But one very simple option the club could use is to allow Paypal as a payment option. Once paid you can choose your funding source, one of which is PayPal Credit which gives you 3 months interest free credit. You could of course choose to extend that if you had to but you’d obviously pay some interest.
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Post by Durango95 on May 2, 2024 23:29:38 GMT
Have they announced pricing? I’ve not bought a ST for years because I didn’t have to. The club don’t allow partial payments either do they? Although I heard there was a way last season. Any help greatly appreciated. There is a way via Klarna; you create a one-time card through their website and use that for payment; you can then pay it over 3 months. Nice one cheers.
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Post by Durango95 on May 3, 2024 0:35:03 GMT
That's a different conversation on a different topic though, isn't it? The request is for the club to provide a function that most other football clubs, and other businesses in other sectors, provide for their customers. It's about giving people options and making a situation that is the most convenient to their customer base. But it's not, is it? You are proposing ways that the club can accommodate people spreading their payments. To me there's no difference in saving monthly with a known goal in a known timeframe, rather than paying monthly retrospectively. I know its more convenient for some doing it on credit. At the end of the day it is another option. My friends cats have a savings account. She(friend not the cats)pays £x monthly into it. The money is there when she needs vets bills. If not its a little nest egg earning interest and she's not got the worry of a large bill needing paying in a hurry. It's just another way of looking at the problem Your friends cats?? A lot of people are very hard up at the minute.
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Post by vicar on May 4, 2024 19:29:13 GMT
That's a different conversation on a different topic though, isn't it? The request is for the club to provide a function that most other football clubs, and other businesses in other sectors, provide for their customers. It's about giving people options and making a situation that is the most convenient to their customer base. But it's not, is it? You are proposing ways that the club can accommodate people spreading their payments. To me there's no difference in saving monthly with a known goal in a known timeframe, rather than paying monthly retrospectively. I know its more convenient for some doing it on credit. At the end of the day it is another option. My friends cats have a savings account. She(friend not the cats)pays £x monthly into it. The money is there when she needs vets bills. If not its a little nest egg earning interest and she's not got the worry of a large bill needing paying in a hurry. It's just another way of looking at the problem Tell your friend about pet insurance.
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Post by orkneyhatter on May 4, 2024 20:42:16 GMT
But it's not, is it? You are proposing ways that the club can accommodate people spreading their payments. To me there's no difference in saving monthly with a known goal in a known timeframe, rather than paying monthly retrospectively. I know its more convenient for some doing it on credit. At the end of the day it is another option. My friends cats have a savings account. She(friend not the cats)pays £x monthly into it. The money is there when she needs vets bills. If not its a little nest egg earning interest and she's not got the worry of a large bill needing paying in a hurry. It's just another way of looking at the problem Tell your friend about pet insurance. she knows but this way she's paying similar to the premium for insurance but if she doesn't claim the money is hers and earning interest. All insurance is dead money really unless you put in a claim, you're mostly paying for the privilege of peace of mind unless the worst happens.
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Post by vicar on May 4, 2024 20:56:39 GMT
Tell your friend about pet insurance. she knows but this way she's paying similar to the premium for insurance but if she doesn't claim the money is hers and earning interest. All insurance is dead money really unless you put in a claim, you're mostly paying for the privilege of peace of mind unless the worst happens. But some bills run into thousands.
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Post by FridoBiggins on May 4, 2024 20:58:25 GMT
Tell your friend about pet insurance. she knows but this way she's paying similar to the premium for insurance but if she doesn't claim the money is hers and earning interest. All insurance is dead money really unless you put in a claim, you're mostly paying for the privilege of peace of mind unless the worst happens. But if you have to claim in the early days/years of setting up your savings plan you're knackered as you won't have the funds to cover your claim. Just saying.
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TC
Contributor
Posts: 796
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Post by TC on May 4, 2024 21:13:19 GMT
Amazing how a thread about season tickets turns into one about pet insurance!
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Post by timberwolf on May 5, 2024 7:19:58 GMT
she knows but this way she's paying similar to the premium for insurance but if she doesn't claim the money is hers and earning interest. All insurance is dead money really unless you put in a claim, you're mostly paying for the privilege of peace of mind unless the worst happens. But if you have to claim in the early days/years of setting up your savings plan you're knackered as you won't have the funds to cover your claim. Just saying. Have had a few big vets bills over the years. Not saying its a big fiddle going on but its funny when you get a bill and its either just under the minimum claim or just under the maximum one for bigger operations. Find dogs a bit like humans going to the doctors. When you are a kid you always seem to be going then on average you never see the place until you reach later middle age. Insure for the first 2 years and not bother till they are 8 if the animals life span is about 10. You get zero no claims bonus for those 6 years of not claiming but the premium will go up.
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Post by orkneyhatter on May 5, 2024 15:30:56 GMT
But if you have to claim in the early days/years of setting up your savings plan you're knackered as you won't have the funds to cover your claim. Just saying. Have had a few big vets bills over the years. Not saying its a big fiddle going on but its funny when you get a bill and its either just under the minimum claim or just under the maximum one for bigger operations. Find dogs a bit like humans going to the doctors. When you are a kid you always seem to be going then on average you never see the place until you reach later middle age. Insure for the first 2 years and not bother till they are 8 if the animals life span is about 10. You get zero no claims bonus for those 6 years of not claiming but the premium will go up. trouble is if you haven't already got pet insurance they won't cover pets over about 8 years. I insured my cat when I got her aged 5 covered for life. Yes the premiums do go up but I've only claimed in the past 2 years for an op and ongoing hyperthyroidism. Blood test for this are £100 a go and needs checking every 3-6 months!
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Post by FridoBiggins on May 5, 2024 17:25:49 GMT
But if you have to claim in the early days/years of setting up your savings plan you're knackered as you won't have the funds to cover your claim. Just saying. Have had a few big vets bills over the years. Not saying its a big fiddle going on but its funny when you get a bill and its either just under the minimum claim or just under the maximum one for bigger operations. Find dogs a bit like humans going to the doctors. When you are a kid you always seem to be going then on average you never see the place until you reach later middle age. Insure for the first 2 years and not bother till they are 8 if the animals life span is about 10. You get zero no claims bonus for those 6 years of not claiming but the premium will go up. Yeh I get that. My point was that you can only really self insure if you have the funds to meet any liability.
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Post by vicar on May 5, 2024 18:31:26 GMT
Anyway how are sales going?
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Post by mat1scfc on May 5, 2024 18:48:07 GMT
Anyway how are sales going? 0 sold
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