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Sort 7 financial things in 7 days
06-12-2012, 5:16 PM
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Deliciously Dedicated Diehard MoneySaving Devotee 
Join Date: Oct 2010
Location: In my wee bit of Bonnie Scotland
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Well - No 5 crossed off!
I've been thinking of starting a new diary for a while - current one has been around since 2011 and a lot of things are different now & have different challenges to face.
All done!
2013: the year of needs - not wants .... and getting my health back
VSP #3 £42.82 SS 12/10/12
Groceries: Annual £1680
Bus £54/£54 Rainy Day £55 Coins £100
Emergency Fund £150/£500 Boiler £450/£1500
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06-12-2012, 8:28 PM
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Fantastically Fervent MoneySaving Super Fan 
Join Date: Dec 2004
Posts: 2,852
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That's brilliant Rising!
 Flylady and 2013 declutter = 471 things. Create a Hobby Room. Less things~less stuff~more life. Cherryprint More stuff=more stuff to tidy up!
 Daily walks thro March
 Pack lunch savings March £ Feb £30 Jan £35
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06-12-2012, 10:30 PM
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MoneySaving Stalwart 
Join Date: May 2012
Location: Never far from a piano. Oh, look, there's one over there!
Posts: 655
Thanked 1,623 Times in 596 Posts
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Quote:
Originally Posted by 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 |
Thanks! I admit I was shocked when I read that. I took out the direct debit option as in August I had no choice; but  !!!
Overdraft £2,016 PAID ! Actual money owned 1K+  Credit Cards £5,000 £10,896 Mum £7500 £6,640 Library Fines £47.14 £32
Total Debt £14,500 £16.281
Long Hauler #325 DFW Nerd #1448
"In our house, when things break, we just pretend they still work"
I now own a CAR!
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07-12-2012, 7:47 AM
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Fantastically Fervent MoneySaving Super Fan
Join Date: Dec 2004
Posts: 2,852
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Just watched a BBC breakfast piece about energy saving using a monitor. A thirsty heater in a conservatory was one of the culprits.
Hubby to complete the second part of 1. So I'll keeping nagging I mean reminding about that.
Today I'll sort 5. The inventory of all direct debits. Some are monthly. Some are yearly. Some are taken for 10 months of the year. Be useful to go through these.
How's everyone getting on? 
Flylady and 2013 declutter = 471 things. Create a Hobby Room. Less things~less stuff~more life. Cherryprint More stuff=more stuff to tidy up!
Daily walks thro March
Pack lunch savings March £ Feb £30 Jan £35
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07-12-2012, 12:59 PM
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Fantastically Fervent MoneySaving Super Fan
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A pile of ironing first then tackle one drawer from filing cabinet. Go through each file, see what can be shredded and what needs to be kept or needs attention.
Hoping for exchange of contracts next week then can sign lease to rental and arrange for new house insurance and utilities.
Have double checked utility prices - we're on a fixed rate with Scottish Power, cannot better that so we'll stick them.
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07-12-2012, 2:53 PM
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Fantastically Fervent MoneySaving Super Fan
Join Date: Dec 2004
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[QUOTE=mineallmine;57766291]Today I'll sort 5. The inventory of all direct debits. Some are monthly. Some are yearly. Some are taken for 10 months of the year. Be useful to go through these./QUOTE]
Migraine stops play. So a change of plan. Looking at interest rates for a new savings account instead of the direct debits today.
Flylady and 2013 declutter = 471 things. Create a Hobby Room. Less things~less stuff~more life. Cherryprint More stuff=more stuff to tidy up!
Daily walks thro March
Pack lunch savings March £ Feb £30 Jan £35
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07-12-2012, 5:21 PM
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Fantastically Fervent MoneySaving Super Fan
Join Date: Apr 2006
Location: Manchester
Posts: 4,899
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I had a look at my direct debits too - very little that can be changed there. My big downfall is small spending that all adds up so will try to keep a closer eye on that this week.
Might have a look for ebayable things this weekend too.
And have already written a shopping list for the weekend - essentials only, using things up that are already in.
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07-12-2012, 7:35 PM
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Fantastically Fervent MoneySaving Super Fan
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No 1 is complete
Savings accounts research done. 2 contenders. Might do that drip feed thing that the MSE savings guide mentions. So will try and sort that over the weekend.
Apart from realisation of how bad interest rates are. It's also all the restrictions about payments in, withdrawals and bonuses.
It's no wonder I put this stuff off 
Flylady and 2013 declutter = 471 things. Create a Hobby Room. Less things~less stuff~more life. Cherryprint More stuff=more stuff to tidy up!
Daily walks thro March
Pack lunch savings March £ Feb £30 Jan £35
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09-12-2012, 7:59 AM
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Fantastically Fervent MoneySaving Super Fan
Join Date: Dec 2004
Posts: 2,852
Thanked 24,394 Times in 2,485 Posts
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Today's task is to reconnect the energy monitor. This helped us save quite a bit last time we used this. Found an interesting website called ecofreak. Already made me think I could turn the radiator thermostats down in certain rooms. Does anyone know if you can buy a dimmable energy efficient bulb? Traditional energy bulbs can't be used with dimmer switches but I don't know if other types are the same.
Will also try and check out my existing isa interest rate.
How's everyone else doing?
Flylady and 2013 declutter = 471 things. Create a Hobby Room. Less things~less stuff~more life. Cherryprint More stuff=more stuff to tidy up!
Daily walks thro March
Pack lunch savings March £ Feb £30 Jan £35
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09-12-2012, 8:07 AM
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Deliciously Dedicated Diehard MoneySaving Devotee
Join Date: Oct 2010
Location: In my wee bit of Bonnie Scotland
Posts: 10,707
Thanked 55,139 Times in 8,828 Posts
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Not doing too well I'm afraid
Probably not the best week for me to be attempting this - was at the hospital all day on Friday so nothing achieved then and was totally wiped out & slept nearly all of yesterday as a result! 
Still pretty shattered today but will attempt to do a little shredding! 
Then back to the hospital again tomorrow ... which means Tuesday will probably be another write off day - very frustrating!
2013: the year of needs - not wants .... and getting my health back
VSP #3 £42.82 SS 12/10/12
Groceries: Annual £1680
Bus £54/£54 Rainy Day £55 Coins £100
Emergency Fund £150/£500 Boiler £450/£1500
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09-12-2012, 8:51 AM
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Fantastically Fervent MoneySaving Super Fan
Join Date: Dec 2004
Posts: 2,852
Thanked 24,394 Times in 2,485 Posts
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Take it easy rising. A little bit of shredding will keep things ticking over. Now rest
Flylady and 2013 declutter = 471 things. Create a Hobby Room. Less things~less stuff~more life. Cherryprint More stuff=more stuff to tidy up!
Daily walks thro March
Pack lunch savings March £ Feb £30 Jan £35
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09-12-2012, 10:56 AM
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MoneySaving Stalwart
Join Date: May 2012
Location: Never far from a piano. Oh, look, there's one over there!
Posts: 655
Thanked 1,623 Times in 596 Posts
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Take care rising, and yes to shredding! I've always found shredding to be magnificently relaxing. Or is that just me?
Overdraft £2,016 PAID ! Actual money owned 1K+ Credit Cards £5,000 £10,896 Mum £7500 £6,640 Library Fines £47.14 £32
Total Debt £14,500 £16.281
Long Hauler #325 DFW Nerd #1448
"In our house, when things break, we just pretend they still work"
I now own a CAR!
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09-12-2012, 11:00 AM
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MoneySaving Stalwart
Join Date: May 2012
Location: Never far from a piano. Oh, look, there's one over there!
Posts: 655
Thanked 1,623 Times in 596 Posts
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I've added some stuff too now...
Reapply for driving licence (mine is expired).
Apply for new job when application form arrives.
Sort out all the paperwork new accountant has asked for
Change love film CPA to new current account (oops)
Busy week doing financial stuff!
Edit: I think my 7 days might be a rolling 7. Just don't tell the trades descriptions act people, ssshhhh...
Overdraft £2,016 PAID ! Actual money owned 1K+ Credit Cards £5,000 £10,896 Mum £7500 £6,640 Library Fines £47.14 £32
Total Debt £14,500 £16.281
Long Hauler #325 DFW Nerd #1448
"In our house, when things break, we just pretend they still work"
I now own a CAR!
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09-12-2012, 12:30 PM
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Deliciously Dedicated Diehard MoneySaving Devotee
Join Date: Oct 2010
Location: In my wee bit of Bonnie Scotland
Posts: 10,707
Thanked 55,139 Times in 8,828 Posts
|
Quote:
Originally Posted by ChopinonaBudget
I've always found shredding to be magnificently relaxing. Or is that just me?
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Thanks everyone - just a little frustrated how easily the smallest things wipe me out for ages ... but I'm getting there!
Re shredding ... very theraputic (sp?) - especially when it's loads of old c/card bills / letters with demands on etc ... 
2013: the year of needs - not wants .... and getting my health back
VSP #3 £42.82 SS 12/10/12
Groceries: Annual £1680
Bus £54/£54 Rainy Day £55 Coins £100
Emergency Fund £150/£500 Boiler £450/£1500
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09-12-2012, 2:20 PM
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Fantastically Fervent MoneySaving Super Fan
Join Date: Dec 2004
Posts: 2,852
Thanked 24,394 Times in 2,485 Posts
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Amen to nasty old bills getting shredded
Flylady and 2013 declutter = 471 things. Create a Hobby Room. Less things~less stuff~more life. Cherryprint More stuff=more stuff to tidy up!
Daily walks thro March
Pack lunch savings March £ Feb £30 Jan £35
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The Following 2 Users Say Thank You to mineallmine For This Useful Post:
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09-12-2012, 4:10 PM
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Deliciously Dedicated Diehard MoneySaving Devotee
Join Date: Oct 2010
Location: In my wee bit of Bonnie Scotland
Posts: 10,707
Thanked 55,139 Times in 8,828 Posts
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No 2 well I've made a start and have managed to find all the paperwork relating to my pensions!
In 2 separate places / files I will add so no wonder nothing made sense!
Will have a sort through / write letters on Tuesday.
Realistically - not a lot going to happen tomorrow as I'll be away from around 8 and prob not back until late afternoon .....
No 1 will also write letter to close the account on Tuesday
Keep plugging away everyone!
2013: the year of needs - not wants .... and getting my health back
VSP #3 £42.82 SS 12/10/12
Groceries: Annual £1680
Bus £54/£54 Rainy Day £55 Coins £100
Emergency Fund £150/£500 Boiler £450/£1500
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09-12-2012, 5:45 PM
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Fantastically Fervent MoneySaving Super Fan
Join Date: Aug 2011
Location: Sheffield
Posts: 2,115
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Great idea for a thread! I'd like to join, if I'm not too late. Here are my 7 things:
- Start a debt free diary.
- Join more money saving challenges.
- Meeting with CAB for advice about an issue we're having with Housing Benefit
- File our financial paperwork.
- Apply for 5 jobs.
- Find things to sell on eBay.
- Post a SOA.
January Wins: £60 Gap voucher, £25 Just eat voucher.
February Wins: Pedometer
March Wins: Free electricity for a year, Choose Green discount card
April Wins: Buster and Bin Buddy goodies, £50 Tesco voucher
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09-12-2012, 5:53 PM
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Fantastically Fervent MoneySaving Super Fan
Join Date: Dec 2004
Posts: 2,852
Thanked 24,394 Times in 2,485 Posts
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Good stuff rising
Welcome purplesarah not too late, this will probably be a rolling 7 things in 7 days challenge. Welcome aboard.
Energy monitor game stopped play on account of no spare batteries for the devices. Which is a pain but probably need some batteries anyway as part of preparing for winter.
And now I feel utterly sick. I think my current isa earns about 0.10 interest. So once I find my paperwork I'll ring them to get onto a better deal ASAP. Ideally I should shop around but if I can move quickly and easily from 0.10 to about 2% that's progress. Not perfect but progress. I'll get the papers together and go from there.
I find isas confusing. For instance, if you:-
Have an isa with bank "a" from previous financial years.
Open a new isa this financial year with bank "b".
Can you transfer bank "a" existing funds to a better rated account at bank "a" and also start a new isa, with your new isa allowance, the same year with bank "b"? On paper that feels like 2 new isa accounts but only, rightly, using one's years isa allowance.
Flylady and 2013 declutter = 471 things. Create a Hobby Room. Less things~less stuff~more life. Cherryprint More stuff=more stuff to tidy up!
Daily walks thro March
Pack lunch savings March £ Feb £30 Jan £35
Last edited by mineallmine; 09-12-2012 at 5:56 PM.
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09-12-2012, 5:56 PM
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Serious MoneySaving Fan 
Join Date: Sep 2010
Posts: 1,405
Thanked 10,550 Times in 1,055 Posts
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I'll join, too  !
my 7 things:
1. sort out new piggybanking accounts for new year
2. find new account to use for 2013 VSP
3. change mortgage OP to £700
4. chase closure of old halifax savings accounts - letter to bank in Nov not yet actioned
5. N&P acc closure - use bal to OP mtg
6. decide once and for all which of my money apps I'll stick with!
7. sort out budget spreadsheet for 2013 and mtg op spreadsheet
this thread is a fab idea! 
MFW2013#24 (T£10K): £2100 1MCH
100K mtg club #27: £130000FEB10 £110581.62 MCH13 ~ TARGET:£102,000 DEC13 VSP#23 £142.25 1MCH
4Kin2013#56 £1290 1MCH 4Kin2012 #86 £4160 DEC
DECLUTTER: JAN:11 MCH:32 TOILETRIES: UU:3
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09-12-2012, 6:04 PM
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Fantastically Fervent MoneySaving Super Fan
Join Date: Dec 2004
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Thanks catslovely cats! And welcome aboard
Hopefully by reading one another's lists will make us think - I need to sort that
Flylady and 2013 declutter = 471 things. Create a Hobby Room. Less things~less stuff~more life. Cherryprint More stuff=more stuff to tidy up!
Daily walks thro March
Pack lunch savings March £ Feb £30 Jan £35
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