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Sort 7 financial things in 7 days
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# 21
rising from the ashes
Old 06-12-2012, 5:16 PM
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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!
Starting again - back on the frugal MSE journey
Groceries & Toiletries: Annual 2080
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# 22
mineallmine
Old 06-12-2012, 8:28 PM
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That's brilliant Rising!
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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# 23
ChopinonaBudget
Old 06-12-2012, 10:30 PM
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Quote:
Originally Posted by mineallmine View Post
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 !!!
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# 24
mineallmine
Old 07-12-2012, 7:47 AM
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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?
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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# 25
lessonlearned
Old 07-12-2012, 12:59 PM
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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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# 26
mineallmine
Old 07-12-2012, 2:53 PM
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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.
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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# 27
WelshWoofer
Old 07-12-2012, 5:21 PM
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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.
September grocery spending - 49.13 / 120
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# 28
mineallmine
Old 07-12-2012, 7:35 PM
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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
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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# 29
mineallmine
Old 09-12-2012, 7:59 AM
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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?
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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# 30
rising from the ashes
Old 09-12-2012, 8:07 AM
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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!
Starting again - back on the frugal MSE journey
Groceries & Toiletries: Annual 2080
CCP claim success!

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# 31
mineallmine
Old 09-12-2012, 8:51 AM
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Take it easy rising. A little bit of shredding will keep things ticking over. Now rest
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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# 32
ChopinonaBudget
Old 09-12-2012, 10:56 AM
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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 800 Smile PAID! Natwest 681 M&S 2,407 Halifax 2,665 Nationwide 5,635 Mum 5,390 Library Fines 21
Tax Fund 53 House Fund 170 Yearly Spends Fund 80 Emergency Fund ISA 391
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"In our house, when things break, we just pretend they still work"
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# 33
ChopinonaBudget
Old 09-12-2012, 11:00 AM
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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 800 Smile PAID! Natwest 681 M&S 2,407 Halifax 2,665 Nationwide 5,635 Mum 5,390 Library Fines 21
Tax Fund 53 House Fund 170 Yearly Spends Fund 80 Emergency Fund ISA 391
Long Hauler #325 DFW Nerd #1448
"In our house, when things break, we just pretend they still work"
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# 34
rising from the ashes
Old 09-12-2012, 12:30 PM
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Quote:
Originally Posted by ChopinonaBudget View Post
I've always found shredding to be magnificently relaxing. Or is that just me?
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 ...
Starting again - back on the frugal MSE journey
Groceries & Toiletries: Annual 2080
CCP claim success!

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# 35
mineallmine
Old 09-12-2012, 2:20 PM
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Amen to nasty old bills getting shredded
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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# 36
rising from the ashes
Old 09-12-2012, 4:10 PM
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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!
Starting again - back on the frugal MSE journey
Groceries & Toiletries: Annual 2080
CCP claim success!

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# 37
purple.sarah
Old 09-12-2012, 5:45 PM
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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:
  1. Start a debt free diary.
  2. Join more money saving challenges.
  3. Meeting with CAB for advice about an issue we're having with Housing Benefit
  4. File our financial paperwork.
  5. Apply for 5 jobs.
  6. Find things to sell on eBay.
  7. Post a SOA.
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# 38
mineallmine
Old 09-12-2012, 5:53 PM
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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.

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

Last edited by mineallmine; 09-12-2012 at 5:56 PM.
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# 39
catslovelycats
Old 09-12-2012, 5:56 PM
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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!
MFW2014 #80(T2000):652.26 6Apr
100K MTG CLUB#27:130KFEB10 105972.90DEC13 (181 repays JAN14) 104347.28 6Apr
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# 40
mineallmine
Old 09-12-2012, 6:04 PM
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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
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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