No cash please, we're mates!

Your friends will be borrowing £1 coins off you: beware

As we start 2012 with a whimper, carefully nursing our battered wallets back to financial health by not spending on anything except reduced lines baked beans and bread, let us not forget those whose friends are responsible for their penury.

Yes, friends. I'm not talking about lending money to friends - although I would no longer advocate this as you never know what situations may happen to prevent your friends from repaying you in full, in the time you needed. It can affect the dynamics of a relationship or, like Charlie Sheen's character Charlie in an earlier-than-Ashton series of Two and A Half Men, mean you get stung in an elaborate plot that involves you sleeping with your step-sister-in-law-to-be, lending her $50,000 and buying a Ferrari you didn't want.

What I am talking about is the Cash Converter friend. The friend who turns to another for all their coinage and notage needs. The friend who gets the bus with you and has not got £2 for the fare. The friend who does not have anything smaller than a £20 when it comes to paying tips. The mate who suggests getting a taxi but somehow does not carry anywhere near enough money to foot the bill.

According to a Capital One survey, Brits have been forking out £562 million a year as a result of ‘subbing’ friends.

More than 43 say they never receive a penny of this borrowed money back.

Now you have been warned. Next time you go out with friends, ask them to make sure they have some cash. Or don't carry any yourself and make sure you recoup your 2011 losses in 2012!

Capital One asked respondents which items they had paid for on behalf of others who did not have cash in the past three months:
Drinks in cash-only bars/restaurants	18%
Items bought in cash-only stores e.g. markets	13%
Tips in bars and restaurants	12%
Taxi fares	10%
Charity donations and fundraisers	6%
Items purchased with cash due to a minimum card spend	6%
Tolls and one-off/unexpected charges	6%

stars and stripes

So I was at another wedding on Saturday, which was wonderful. But I'm not going to bore you with stories about dancing queens. No, instead I shall tell you about my journey there and back. After all, was it not Sterne who once said: "To travel is better than to arrive?" Or was that someone else? No matter, he was talking balls.

THE JOURNEY THERE

Waiting for the taxi to arrive chez moi, I thought it expedient to ask the operator what colour car would be picking me up. "A white peugeot". It was a blue skoda.
Then the guy got lost. A 20-min drive took nearly an hour. He should have driven me to south croydon. He took me to West Wycombe. Then he almost lost the entrance to the Hotel and Golf Club and nearly crashed into the wall...

The Journey back

I know - once bitten, twice should be shy. But it was nearly 1pm, I was sharing with a couple of friends, and the taxi firm is cheap. I also naively assumed that, having already driven there, the driver would be able to find his way back relatively easily. But the first conversation with the taxi firm operator went thusly:

"Please may I have a taxi to Streatham"
"Where is that?"
"You ARE streatham vale taxis?"
"Yes"
"Well, Streatham is where you are"
"Oh yes okay ma'am thank you very much okay where you want go to?"
"Streatham"
"WHere picking you up from tonight"
"The Selsdon Park Hotel"
"Where is that?"
"In Selsdon"
"What is the name of the place in Selsdon"
"The... Selsdon... Park... Hotel"
"I will send him...he has a silver peugeot. What is your name?
I lied: "SAM"
"How do you spell that madam pliss"
"S - A - M"


Of course by now I should have been worrying. But I did not start really worrying until 45 minutes later when my phone rang and a croaky foreign voice creaked out: "Hello lady? I am ringing to say that I am not the same driver, I am the different driver"
"Right... so do you know where you are going?"
"I will be there in 15 minutes. Where is it?"
"Selsdon Park Hotel. It has an exclusive driveway"
"I will drive into the Park"
"Um... not the park, don't drive it into the park, it's going to end up in the playground... it's called the Selsdon Park Hotel and Golf Club."
"You at the golf club or at the park?"

AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAARRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHH

Breathe...1, 2, 3, 4, 5, 6, 7, 8, 9, 10...

"No dear, let's take this from the top. Drive down the A23 to Croydon and on the flyover, take the A2022. Continue down towards Sanderstead, and then you will find a BIG BIG BIG Sainsbury's on the roundabout. The entrance to the SELSDON PARK HOTEL AND GOLF CLUB is right next door, the very very very first entrance on the LEFT. DRIVE UP THE DRIVEWAY. IT HAS YELLOW POSTS AND TYRE MARKS IN THE FLOWERBED FROM YOUR LAST DRIVER"

"yiss yiss I have I know - I three minutes, maybe three, maybe 10 minutes away"...

By now it was half one and I wanted to cry. Miraculously... it was a silver peugeot -and he knew the way back home. However, he did not seem to believe me that I lived on a one-way street. I ended up having to walk up my road simply to stop him reversing several times into the Police Station in the road adjacent to mine. What a croc!

IN OTHER NEWS

I saw a shooting star! It was travelling extremely fast, and almost completely horizontally across the horizon! How cool is that? And no, it was not a firework. And yes, I did make a wish.