I'm thinking of getting a credit card -is it worth it? I'm 22, in the UK and thinking about getting a credit card -I don't feel I need one (not a big or enthusiastic spender) apart from establishing a credit rating -is it worth it? I understand the benefits -insurance, cash-back etc but it seems like a hassle -I'm perfectly happy just spending money that I have using my debit card. However, as credit scores are partly based on duration of credit history I'm thinking I should get a credit card if only to prove to future mortgage providers (perhaps 3 or so years in the future) that I'm responsible with credit etc.

"Annual income twenty pounds, annual expenditure nineteen pounds nineteen and six, result happiness. Annual income twenty pounds, annual expenditure twenty pounds ought and six, result misery." British personal finance blogs, forums and other resources? After several post-university years of lurching from one personal finance crisis to another, I'm finally pulling clear of my personal debt. I've had a very decent increase in job income, and I'm also about to receive a legacy which will let me pay off my post-universtity loans, and, for the first time in my adult life, leave me in a position to start saving properly, investing fully in retirement funds and give me a stable enough life to create and follow a budget that isn't going to get dashed to pieces on my bank's indifference and yet another overdraft charge.

UKSharesFilter: Some of my relatives have had a small selection of the shares in an inherited portfolio disappear over time from their online tracker, so my question is what has happened to the following stocks: CHB.L; GAA.L; MFBUEUGI.L and MFBUTRU.L, and should they have received any notification, documents or even cheques, (and what can be done about finding out more)? (I should clarify that they still have the certificates and haven't sold, traded or otherwise physically disposed of them, it's the listing themselves that now come up as 'No Such Symbol' on the internet listing of the portfo