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  • FIRST POST
    mineallmine
    Sort 7 financial things in 7 days
    • #1
    • 5th Dec 12, 4:04 PM
    Sort 7 financial things in 7 days 5th Dec 12 at 4:04 PM
    Hi,

    If this thread should sit somewhere else can a Mod please move

    I find the "What small DFW things will you do today?" thread really useful. I have some big DFW things I need to do but put off. I'd like to sort these things I hate doing quickly. The idea is to sort 7 financial things in 7 days. And not wait until the New Year to start. I need to:

    1. Close an old savings account and cancel the standing order (yes I know this should be straightforward )
    DONE!

    2. Open a new savings account with best rate etc

    3. Get an ISA for this financial year, again with best rate
    DONE!

    4. Check interest rate on old ISA. Consider transfer.
    DONE... AWAITING TRANSFER FORM.

    5. Do an up to date inventory of all monthly/yearly direct debits. Check through it.
    DONE!

    6. Reconnect the Energy Monitor. See what the thirsty lights/ appliances are. Think how to reduce energy usuage.

    7. Research options for loft insultation top up (DIY, MSE newsletter offers)
    DONE!

    Anyone want to join me? I'm starting tomorrow 6/12/12.


    Achieved 5/7 last week so not bad considering I hate doing stuff like this and put it off

    So here's the next list including any items not achieved last week:

    1. Open a new savings account

    2. Find paperwork for closing another old dusty savings account. Cancel the standing order

    3. Find paperwork for old ISA

    4. Get hubby to reconnect the Energy Monitor to highlight thirsty lights/appliances

    5. Do an inventory of all Direct Debits in main account

    6. Create a new budget spreadsheet for 2013

    7. Sort an awkward goods return using Martins consumer guide in this weeks newsletter

    So this is all about getting these ruddy bigger things sorted and done. Consolidating savings. Using ISA allowances/best deals.
    Originally posted by mineallmine
    Last edited by mineallmine; 15-12-2012 at 12:35 PM. Reason: Some progress made!
    Declutter 300 things in December challenge, 9/300. Clear the living room. Re-organize storage
    Cherryprint: "More stuff = more stuff to tidy up!"
    Less things. Less stuff. More life.
    Fab thread: Long daily walks
Page 1
    • rising from the ashes
    • By rising from the ashes 5th Dec 12, 4:49 PM
    • 12,236 Posts
    • 59,061 Thanks
    rising from the ashes
    • #2
    • 5th Dec 12, 4:49 PM
    • #2
    • 5th Dec 12, 4:49 PM
    Funnily enough, I've just done Nos 2, 3 and 5 in the past couple of days!

    Best of luck Mine - I'll have a think and if I can come up with another 7, I'll join you!

    First on the list would be No 1 ... now that No 2's sorted

    ETA Right ... I'll give it my best shot!

    1. Write to bank to close old savings account & request a cheque for outstanding balance (only around 3 but hey ...)
    2. Write to old employer's pension agency to advise of change of address (moved in 2007 ) and request update pension forecast *
    3. Write to CU to increase salary deduction to savings account to 20 / month (have been meaning to do this all year)
    4. Financial filing - sorting through bags of old stuff from the "forgotten years" #
    5. Start new DFW Diary DONE
    6. Sort out new ISA for 2012 monthly saver money (boiler fund)
    7.

    * thanks lessonlearned - have been meaning to do that one for several years and keep forgetting!

    # See Post 9
    Last edited by rising from the ashes; 09-12-2012 at 6:06 PM.
    Back on the frugal MSE journey
    Debt free & determined to stay that way!
    1,000 Emergency Fund Challenge #76 375 / 1,000
    Vet Fund: 350.28 / 1,000
  • mineallmine
    • #3
    • 5th Dec 12, 5:00 PM
    • #3
    • 5th Dec 12, 5:00 PM
    Thanks Rising! Let's do this

    Thanks to LessonLearned over on the Fabbing thread who sparked the financial fabber in me http://forums.moneysavingexpert.com/showthread.php?t=4192087&page=19#post57729593
    Declutter 300 things in December challenge, 9/300. Clear the living room. Re-organize storage
    Cherryprint: "More stuff = more stuff to tidy up!"
    Less things. Less stuff. More life.
    Fab thread: Long daily walks
  • lessonlearned
    • #4
    • 5th Dec 12, 5:04 PM
    • #4
    • 5th Dec 12, 5:04 PM
    Well done on getting started.

    Some great ideas to get me thinking.

    My big push will start when we've moved house and a lot of things will need to wait until then.

    At the moment I'm doing my research on where I can make improvements/cut backs etc.

    I made a big start today sorting out what to do with my pension. Have filled out the forms and sent them back.

    I've already researched our new broadband/tv/phone package which will start when we move.

    So yes please count me in.
  • mineallmine
    • #5
    • 5th Dec 12, 6:43 PM
    • #5
    • 5th Dec 12, 6:43 PM
    Thanks LessonLearned. Great to have you on board.

    I'm liking the list Rising. 3 is 3 in your hands not theres to save or spend at will.

    I'm determined to get these long standing things sorted. It's as much about consolidation (and shutting down things) as anything.

    Declutter 300 things in December challenge, 9/300. Clear the living room. Re-organize storage
    Cherryprint: "More stuff = more stuff to tidy up!"
    Less things. Less stuff. More life.
    Fab thread: Long daily walks
    • rising from the ashes
    • By rising from the ashes 5th Dec 12, 6:53 PM
    • 12,236 Posts
    • 59,061 Thanks
    rising from the ashes
    • #6
    • 5th Dec 12, 6:53 PM
    • #6
    • 5th Dec 12, 6:53 PM
    Might have to start with the 3 and try to add as I can .... is that OK?

    Will have a proper think tomorrow (very tired atm!) as brain's a bit mince just now
    Back on the frugal MSE journey
    Debt free & determined to stay that way!
    1,000 Emergency Fund Challenge #76 375 / 1,000
    Vet Fund: 350.28 / 1,000
  • mineallmine
    • #7
    • 5th Dec 12, 7:04 PM
    • #7
    • 5th Dec 12, 7:04 PM
    It doesn't have to be 7 things Rising. Completing one thing is a positive start to shift the big stuff.

    Anyone else care to join us?
    Declutter 300 things in December challenge, 9/300. Clear the living room. Re-organize storage
    Cherryprint: "More stuff = more stuff to tidy up!"
    Less things. Less stuff. More life.
    Fab thread: Long daily walks
  • WelshWoofer
    • #8
    • 5th Dec 12, 7:45 PM
    • #8
    • 5th Dec 12, 7:45 PM
    I'm in too!
    Will have a little think about what can be done and be back with an update

    Good luck to everyone else!
    January grocery spending - 82.73/ 120
    • rising from the ashes
    • By rising from the ashes 5th Dec 12, 8:04 PM
    • 12,236 Posts
    • 59,061 Thanks
    rising from the ashes
    • #9
    • 5th Dec 12, 8:04 PM
    • #9
    • 5th Dec 12, 8:04 PM
    I'm determined to get these long standing things sorted. It's as much about consolidation (and shutting down things) as anything.
    Originally posted by mineallmine
    Think that's how I feel with the filing - I know might seem insignificant but having already cleared out loads of stuffed bags of paperwork (hidden under my bed for years) - I've managed to fill another 3 bag for life's

    It's weird looking through the stuff as they were the dark, horrid days when everything was awful and I owed 000s ...... I'd forgotten how many c/cards I had .... how bad things really were so it was good in a funny sort of way to remind myself (as I never want to be there again!)

    How on earth I think I can manage my finances properly without being able to file stuff, I'll never know I am better organised with newer stuff (although it can tend to accumulate before it's actually filed away!) but need to get rid of this old stuff once & for all.

    Clearing the last of it out would be fantastic - bit like you've mentioned Mine .... drawing a line under it and moving on!
    Last edited by rising from the ashes; 05-12-2012 at 8:09 PM.
    Back on the frugal MSE journey
    Debt free & determined to stay that way!
    1,000 Emergency Fund Challenge #76 375 / 1,000
    Vet Fund: 350.28 / 1,000
  • WelshWoofer
    Have made a start!
    Phoned my old gas/elec supplier and it turns out they owe me 50 that is now winging to way back to me account.


    My mini goals (not all for the next 7 days!) ....
    • Look into old accounts and suppliers to see if they owe me anything - success with the first one!
    • Eventually build up 5k in an emergency not to be touched account (k ish in there now)
    • Reign in the supermarket shopping as its creeping up again
    • Pay off the sofa interest free credit before the deal is up and the charges kick in in January - will pay it off next weekend when I get paid, have saved up the money in a separate account so no issues there
    • See if there's anything I can declutter and ebay to tidy up and make a little bit of cash
    • Look through the direct debits to make sure there's nothing I can economise on
    • Pay off half of the credit card - not a massive bill but could do with getting rid of
    That will do for starters!
    January grocery spending - 82.73/ 120
  • beadgirl87
    Hi I like the sound of this. Have been putting some stuff off for a while.

    1. Contact Aqua to unlock my online account.
    Have totally forgotten my password and want to check available credit as I want to spend on it to get cashback.
    2. Move money from mum and dad to the right bank account. DONE
    Bought Christmas present for mum and dad in a shop for them.
    3. If I pass 6 month probation at work on Friday, email HR about the pension scheme and how I can join up.
    4. Have a bit of a sort out as I feel that my money is in lots of different accounts and I cant trace it. Rearrange all of my money. Sort of done, for the month - Having a big sort out at end of year to get budgeting pots on track.
    5.Check that DD for car HP has been set up by the garage (have already asked twice!) they dont seem to know why I want to know when 140 will leave my account every month!
    6. Plan what to do with my Christmas bonus, put it all in an ISA, or spend a bit, or put it towards an annual bill?
    7. Waiting for topcashback money to arrive...need to cash out survey monies aswell for Christmas presents.
    Last edited by beadgirl87; 05-12-2012 at 10:37 PM.
    June 10/10 NSD
    Owe 571 0 lloyds credit card 1500 1030 400 170 0 overdraft
    6400 6049 5949 Barclays Loan.
    2290 1760 1560 Car.
  • mineallmine
    WelshWoofer - Hey 50! That's brilliant. What a nice bonus before xmas. Get on the phone to those others. It's amazing how DDs can creep according to estimates and the like.

    Rising - Think about all that negativity from those papers from darker times. Not good stuff to have hanging around. Paperwork/ bills are an enemy of mine too. I'm trying to start a simple system of plastic wallets. Lets see how it goes

    Welcome beadgirl - glad to know I'm not alone in putting off. Let's get this stuff done. Maybe with your car HP contact your bank - see if any DD has been registered (I know thats not the right word!) with them.

    Declutter 300 things in December challenge, 9/300. Clear the living room. Re-organize storage
    Cherryprint: "More stuff = more stuff to tidy up!"
    Less things. Less stuff. More life.
    Fab thread: Long daily walks
  • kururunfa
    My goals for the next couple of days:

    1. Set up direct debits for my NI and my husband's (we're self employed and remembering to pay NI by debit card is a hassle).
    2. Cancel credit expert free trial before I get billed!
    3. Cancel that silly insurance thing on the Vanquis card (card is cleared every month, just using it to build credit history)
    4. File my tax return online before the January rush.

    Er... that's all for the short term I think!
  • mineallmine
    Welcome kururunfa. Some good things there. Making stuff simpler too
    Declutter 300 things in December challenge, 9/300. Clear the living room. Re-organize storage
    Cherryprint: "More stuff = more stuff to tidy up!"
    Less things. Less stuff. More life.
    Fab thread: Long daily walks
  • mineallmine
    Day 1
    [QUOTE=mineallmine;57728529]1. Close an old savings account and cancel the standing order (yes I know this should be straightforward )/QUOTE]
    First part of this is complete
    The account is closed. Cancelled standing order their end. Just need to confirm/ensure this happens at my bank too.

    First bit of making everything shipshape and simpler has begun.

    How's everyone else getting on?
    Declutter 300 things in December challenge, 9/300. Clear the living room. Re-organize storage
    Cherryprint: "More stuff = more stuff to tidy up!"
    Less things. Less stuff. More life.
    Fab thread: Long daily walks
    • rising from the ashes
    • By rising from the ashes 6th Dec 12, 12:56 PM
    • 12,236 Posts
    • 59,061 Thanks
    rising from the ashes
    I've not achieved very much this morning (well, depending on how you look at it!).

    I've spent a couple of hours catching up on threads .... I've done a load of washing & hung it up, picked a chicken carcass, made stock and have soup simmering away (am starving so hope it's ready soon) but I've also spent a ridiculous amount of time sorting out my new Diary

    I've re-done my SOA, written my opening blurb, decided how to do a few things, made a "action point" list, what I want to achieve etc etc but have spent AGES trying to think of a good name for it (still not succeeded).

    Once I've had my soup, I will tackle the 1st of the bags of paperwork ....
    Back on the frugal MSE journey
    Debt free & determined to stay that way!
    1,000 Emergency Fund Challenge #76 375 / 1,000
    Vet Fund: 350.28 / 1,000
  • lessonlearned
    Contracts signed today, things looking ok, fingers crossed.

    Today's financial task. I will cancel the broadband/phone/tv package. The new one will come to about half what we are currently paying.

    Just remembered - received a letter from the Council Tax today. I have been overcharged by about 200. Wahoo.
    Last edited by lessonlearned; 06-12-2012 at 2:51 PM.
  • mineallmine
    Crack on with that 1st bag Rising. If you could do a bag a week that's quite a few dealt with by the New Year. Get that 3 back ASAP

    Sorting the broadband/TV deal will probably appear in a future batch of 7 things for me LL. Probably a good thing you got your deal sorted now as after xmas I imagine lots of people will be feeling the pinch and will be ringing up for deals. Congrats on the contracts

    So far then we have quite a tally of monies coming back to us. My 200 odd will go straight towards a new chest freezer. Better than knocking around some dusty account earning teeny tiny interest
    Declutter 300 things in December challenge, 9/300. Clear the living room. Re-organize storage
    Cherryprint: "More stuff = more stuff to tidy up!"
    Less things. Less stuff. More life.
    Fab thread: Long daily walks
  • ChopinonaBudget
    I like the sound of this! I'd like to join
    1) open savings account for yearly spends (done)
    2) pay House insurance (currently 37% by dd) :eek
    3) check debit for instrument insurance
    4) pay professional fees

    I'll think of the rest after teaching!
    Overdraft 150 Smile PAID! Natwest 679 M&S 2,347 Halifax 2,665 Nationwide 5,579 Mum 5,390 Library Fines 21
    Tax Fund 288 House Fund 170 Yearly Spends Fund 65 Emergency Fund ISA 191
    Long Hauler #325 DFW Nerd #1448
    "In our house, when things break, we just pretend they still work"
  • mineallmine
    Welcome aboard ChopinonaBudget! You've some crunchy things to do there. That 37% is robbing you of funds that you could use elsewhere. That's a great one to sort out
    Declutter 300 things in December challenge, 9/300. Clear the living room. Re-organize storage
    Cherryprint: "More stuff = more stuff to tidy up!"
    Less things. Less stuff. More life.
    Fab thread: Long daily walks
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