Doesn't have quite the same ring to it as "fuck my life", does it?
So, as feared, two days after we booked our holiday Lanzarote - in fact, not even two full days - the frigging company went into administration.
Not only is our holiday now cancelled, we don't know what the fuck is happening to our money.
At the time of paying, we were asked if we wished to just put down the deposit but we said no - we wanted to pay it off then and there. However, only 108 pounds has left my account and went into theirs. Which presumably IS the deposit since the full holiday cost around 600. (Should have known that was too good to be true eh?)
But we don't know if the rest is still going to be taken or not. My bank don't know either. (Fat lot of good THEY are.)
The most ironic thing of all, to me, is that the reason me and my sister are royally screwed right now is because we paid for our holiday using my debit card. In other words, we used money WE HAVE to pay for this holiday. If we'd paid it using a credit card we'd probably know exactly where we stood right now.
For someone like me, who has never lived outwith her means - I have never had a credit card and the only store card I ever had I paid off straight away and never used again (The bank tonight told me they reckon its been cancelled) - the fact I am being punished for being careful with my money rankles at me.
I have never had a credit card because I don't want the temptation.
A 250 pounds overdraft is bad enough, as far as I'm concerned. I don't feel comfortable spending money I don't have. It's just the way I was brought up! (Mind you, even my parents surprised me tonight, as you'll see in a paragraph's time...)
I know people who pay for holidays on credit cards with money they don't have. Why should they be in a better financial situation after something like this than me, who used the money I'd put aside from my 30th birthday money from my mum to pay most of my share of the holiday? I was saving it for something nice, like she told me to. A nice holiday with my lovely sister, something to look forward to during that dark period after New Year where everything is cold and depressing. And now it's all screwed up.
And I'm getting lectures left right and centre about how I should have paid for it on a credit card. Which really isn't helping now. Hell, I even let the bank guilt me into APPLYING for one. (It was approved, btw.) Even my DAD, who my sister called for advice, couldn't believe we hadn't used a credit card. WTF??? It's because of him that I never GOT a credit card! (I mean, this is the guy who encouraged me to get a student loan and INVEST it rather than fritter it away like most students. In the end, I just didn't bother getting one at all. If I wasn't going to get to fritter it away I didn't really see the point...)
Anyway, I'm a little upset now. And I know I'll get the money back eventually one way or the other. It's just it's this no mans land at the moment where I don't know where I stand. The bank don't seem clear whether the airline will take the rest of the money or not so I'm not sure what to claim for. I don't want to try and book another holiday when I don't know if there's going to be enough money in my account to cover it. Me and my sister are limited to the week we have both managed to get off work, with only a days leeway in one direction. We both REALLY still want to go to Lanzarote but its looking unlikely we'll get a flight out the days we want, and its REALLY unlikely we'll be getting a holiday there for less than 300 quid each like the one we had booked.
It's just totally up in the air and it's ruined what already was a shitty day.
I fucking hate the credit crunch and the economy and airlines and THE FACT I DON'T LIVE SOMEWHERE WARM ALL YEAR ROUND.
Shag my life . . .