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20-02-2013, 9:50 PM
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MoneySaving Stalwart 
Join Date: Aug 2009
Posts: 736
Thanked 6,332 Times in 694 Posts
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Quote:
Originally Posted by Katzen
There seems to be 1copy going on fleabay for 99p at the mo but I'm going to be super MSE and borrow from my library. If I find it useful then I might buy but I've got a whole stack of cookbooks and def do not NEED any more!
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Oh, I never think of the library! I have purchased a copy of the book. It wasn't too bad at £3.60... I might have a look-see at the library this weekend though.
Oh, also thanks for all the tips people gave me for that series - I suddenly jinxed (or whatever the opposite is) as all 4 seasons became available on N£tflix yesterday. I already subscribe to Netflix, so getting my money's worth!
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20-02-2013, 9:58 PM
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MoneySaving Convert 
Join Date: May 2009
Posts: 191
Thanked 800 Times in 157 Posts
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Quote:
Originally Posted by minicooper272
Oh, I never think of the library! I have purchased a copy of the book. It wasn't too bad at £3.60... I might have a look-see at the library this weekend though.
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i know, I always forget the library too, only went back this month as I joined a book club who meet in there and remembered how good it is. I love books but my shelves are groaning and it does seem like a waste of paper to buy ones I will only read once. Also discovered mine do e-book loans online and I've just borrowed an audio book as I like them for on the sunlounger on hols. Was however disappointed to discover DVD rentals are 2.60pw, if we borrowed a box set, assuming it takes at least 2weeks to watch, it would be cheaper to get a subscription to a streaming service or buy them cheap on fleabay. That said, plenty of books, plenty of knitting, radio to listen to and tv online we do not NEED to spend any money on dvds just yet
2013- Needs not Wants Offer accepted 25/3/13- Deposit &fees £19,600/£20,500 Mortgage accepted 2/5/13 Extra cash 2013- £22.70 (credit from old forgotten CC) £175 (Ebay) £10.25 (cashback CC) £5 (Orange cust.serv) £50 (Barclaycard cust.serv) £100 (Bank acc switching) Grocery Challenge Feb £148/400 Mar £202/200 Apr £48/50
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21-02-2013, 10:18 AM
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Fantastically Fervent MoneySaving Super Fan 
Join Date: Jun 2005
Location: Middlesex
Posts: 3,981
Thanked 2,531 Times in 1,274 Posts
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Not sure if this one is a need or a want, so must be more of a want. A new pair of cushioned trainers is on the agenda and I have decided to oblige but only after losing 12lbs. Rewarding myself for staying motivated.
Please do not waste your money or time on Experian, Equifax or Noddle scores. They do not reflect how a lender will assess you.
Note that I will only thank genuinely helpful posts so please do not be offended by this
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21-02-2013, 8:11 PM
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MoneySaving Stalwart 
Join Date: Jul 2007
Posts: 595
Thanked 2,850 Times in 544 Posts
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Quote:
Originally Posted by The Boss
Not sure if this one is a need or a want, so must be more of a want. A new pair of cushioned trainers is on the agenda and I have decided to oblige but only after losing 12lbs. Rewarding myself for staying motivated.
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I think that rewarding yourself for very definite hard work & achievement, is a fine plan.
MFW
Dec '12 Mortgage = £309k
End March '13 = ????
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21-02-2013, 9:31 PM
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MoneySaving Stalwart 
Join Date: Aug 2009
Posts: 736
Thanked 6,332 Times in 694 Posts
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Went to buy a new laptop after work today (need), and annoyingly the transaction was declined. My bank seems to think it's a fraudulent transaction, and has now blocked my card...
I was really gutted when I got home to find a red royal mail slip on the doormat for a missed package, after I paid an extra £1.50 for next day delivery! But the slip said 'it's in the meter box!', so I braved my arachnophobia to get my new shampoo out, and I'm so excited for showering tomorrow morning! Is it really sad that it's on a par with how excited I'd feel on Christmas Eve as a child?
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21-02-2013, 9:57 PM
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MoneySaving Convert 
Join Date: May 2009
Posts: 191
Thanked 800 Times in 157 Posts
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Quote:
Originally Posted by The Boss
Not sure if this one is a need or a want, so must be more of a want. A new pair of cushioned trainers is on the agenda and I have decided to oblige but only after losing 12lbs. Rewarding myself for staying motivated.
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Could also be viewed as a need Boss, new shoes are a lot cheaper than new knees! Good luck with the weightloss, hope you manage it soon and enjoy those trainers
2013- Needs not Wants Offer accepted 25/3/13- Deposit &fees £19,600/£20,500 Mortgage accepted 2/5/13 Extra cash 2013- £22.70 (credit from old forgotten CC) £175 (Ebay) £10.25 (cashback CC) £5 (Orange cust.serv) £50 (Barclaycard cust.serv) £100 (Bank acc switching) Grocery Challenge Feb £148/400 Mar £202/200 Apr £48/50
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22-02-2013, 5:42 PM
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Serious MoneySaving Fan 
Join Date: Apr 2010
Posts: 1,083
Thanked 7,530 Times in 921 Posts
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The Following 15 Users Say Thank You to 365days For This Useful Post:
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3 kids 2 jobs 1 dog (25-02-2013), Barbeduk (22-02-2013), Canady (06-03-2013), EverTheOptimist (22-02-2013), fiftyeighter (26-02-2013), honeybun16 (24-02-2013), Katzen (22-02-2013), kerri gt (22-02-2013), minicooper272 (22-02-2013), ModestyB (22-02-2013), postingalwaysposting (11-03-2013), satchmo1 (11-03-2013), Skint but Optimistic (26-02-2013), Spending Vs Saving (26-02-2013), TudorRose (25-02-2013)
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22-02-2013, 7:57 PM
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MoneySaving Convert 
Join Date: May 2009
Posts: 191
Thanked 800 Times in 157 Posts
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Love it 365! Got some more of my shizzle on fleabay this week. Was going to spend my gains on some wool at big discount but the store at my mums doesn't stock it so I've been prevented from spending. guess it will just have to go in my car insurance fund then!
2013- Needs not Wants Offer accepted 25/3/13- Deposit &fees £19,600/£20,500 Mortgage accepted 2/5/13 Extra cash 2013- £22.70 (credit from old forgotten CC) £175 (Ebay) £10.25 (cashback CC) £5 (Orange cust.serv) £50 (Barclaycard cust.serv) £100 (Bank acc switching) Grocery Challenge Feb £148/400 Mar £202/200 Apr £48/50
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22-02-2013, 8:36 PM
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MoneySaving Stalwart 
Join Date: Aug 2009
Posts: 736
Thanked 6,332 Times in 694 Posts
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I hear it's a free listing weekend this weekend (can't remember if anyone said it in this forum or not).
Time to list those items I want more than 99p for!
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23-02-2013, 4:19 PM
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MoneySaving Stalwart 
Join Date: Aug 2009
Posts: 736
Thanked 6,332 Times in 694 Posts
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I must stop going near town at the weekends! I go because I need one or two things, or because I'm bored and want a nosey in the charity shops...
I had to pay for parking today (I usually walk), then I went a little nuts on yet more toiletries and some cookies from M&S. It's not anything I won't use at least, but just need to get out of this habit of buying things just while I'm there.
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23-02-2013, 5:59 PM
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MoneySaving Convert 
Join Date: May 2009
Posts: 191
Thanked 800 Times in 157 Posts
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Quote:
Originally Posted by minicooper272
I must stop going near town at the weekends! I go because I need one or two things, or because I'm bored and want a nosey in the charity shops...
I had to pay for parking today (I usually walk), then I went a little nuts on yet more toiletries and some cookies from M&S. It's not anything I won't use at least, but just need to get out of this habit of buying things just while I'm there.
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Its a dangerous game that mini! I hardly ever go to town as we can get most of what we need out of town but did pop in last week and struggled to behave. Did find a trip to the library satisfied my urge to come home with something in my hands though!
2013- Needs not Wants Offer accepted 25/3/13- Deposit &fees £19,600/£20,500 Mortgage accepted 2/5/13 Extra cash 2013- £22.70 (credit from old forgotten CC) £175 (Ebay) £10.25 (cashback CC) £5 (Orange cust.serv) £50 (Barclaycard cust.serv) £100 (Bank acc switching) Grocery Challenge Feb £148/400 Mar £202/200 Apr £48/50
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24-02-2013, 9:39 PM
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MoneySaving Convert 
Join Date: May 2009
Posts: 191
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I have been sooooooo good this weekend and have to share...
Been in Leeds visiting my parents. Mum and I enjoy lots of crafting things and, as always, spent the weekend in craft shops and at a papercraft workshop; and I only bought one scrapbook album and some glue with my Christmas money from my Nana- and nothing else, not even wool! Did manage to get my wool fix as Mum bought me some for my birthday but didn't indulge in any other wool and knitting bits or pretty papers, stamps, glitter or buttons. I don't know if any of the rest of you are crafters, but if you are you will understand how major this is! And if you're not, feel free to mock me
2013- Needs not Wants Offer accepted 25/3/13- Deposit &fees £19,600/£20,500 Mortgage accepted 2/5/13 Extra cash 2013- £22.70 (credit from old forgotten CC) £175 (Ebay) £10.25 (cashback CC) £5 (Orange cust.serv) £50 (Barclaycard cust.serv) £100 (Bank acc switching) Grocery Challenge Feb £148/400 Mar £202/200 Apr £48/50
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25-02-2013, 6:52 PM
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MoneySaving Stalwart 
Join Date: Aug 2009
Posts: 736
Thanked 6,332 Times in 694 Posts
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Well done Katzen!  I wish I had your restraint! I keep wanting to get in to crafts, so don't quite sympathise, but I can understand it! I can still persuade myself it's a waste of money as I'll never use it... But it's a great hobby to have.
I don't feel like a slept much at all last night, even though I did sleep solidly for the whole 8 hours. I was so exhausted I needed a caffeine fix, and I had to buy a diet coke (don't drink coffee). I regretted it, because it left me starving and craving sugar, and I spent a further £1.20 on sweets to get the sugar hit  Early night and no sweeteners tomorrow!
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25-02-2013, 7:06 PM
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MoneySaving Convert 
Join Date: Feb 2013
Location: England
Posts: 47
Thanked 252 Times in 45 Posts
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I got a permanent marker and wrote on my Debit and Credit card: "DYNI?"
(Do you need it?) that way whenever I take my card out to purchase an impulse buy it makes me think...
Sealed Pot Challenge #2035 £17.80
Weekly Spend Challenge w/c 1st April 2013 - £11.90 / £5.00
14 days until Payday!
Debt free since 08/02/2013
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25-02-2013, 8:14 PM
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MoneySaving Stalwart 
Join Date: Jul 2007
Posts: 595
Thanked 2,850 Times in 544 Posts
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Quote:
Originally Posted by MissMelLady
I got a permanent marker and wrote on my Debit and Credit card: "DYNI?"
(Do you need it?) that way whenever I take my card out to purchase an impulse buy it makes me think...
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What a great idea!
MFW
Dec '12 Mortgage = £309k
End March '13 = ????
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25-02-2013, 9:39 PM
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MoneySaving Stalwart 
Join Date: May 2012
Posts: 266
Thanked 1,024 Times in 252 Posts
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I do not need festival tickets
I do not need festival tickets
I do not need festival tickets
I do not need festival tickets
I do not need festival tickets
Starting debt in mid 2012 - £4,386
Debt now outstanding: £789.91 £763.02 £666.28 £563.90 £484.01 £405.35
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26-02-2013, 11:31 AM
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Fantastically Fervent MoneySaving Super Fan 
Join Date: Nov 2008
Location: Durham
Posts: 2,577
Thanked 9,812 Times in 2,481 Posts
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Well, I dont want to spend anymore money but I suppose I need to. A filling has come out and you know what that means!
Current Debt £25683.94 30 Month Challenge! 30 to go! Focus - Repay AMEX by October 1065.65 / 2795.14 & Vanquis By December 300.10 /2500 Paid off - April 1333.01 May 1012.23 YTD 6377.52 Earnings from Ebay/Surveys/cashback 2013 646.99 Mortgage 682/48756 MF March 2033
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26-02-2013, 12:13 PM
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Fantastically Fervent MoneySaving Super Fan 
Join Date: Jun 2005
Location: Middlesex
Posts: 3,981
Thanked 2,531 Times in 1,274 Posts
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Quote:
Originally Posted by Katzen
Could also be viewed as a need Boss, new shoes are a lot cheaper than new knees! Good luck with the weightloss, hope you manage it soon and enjoy those trainers
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Tis true, but I have a fair few pairs that are newish. I am only 8 pounds from my target now so will be forking out by mid March with any luck.
Please do not waste your money or time on Experian, Equifax or Noddle scores. They do not reflect how a lender will assess you.
Note that I will only thank genuinely helpful posts so please do not be offended by this
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27-02-2013, 6:10 AM
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Fantastically Fervent MoneySaving Super Fan 
Join Date: Oct 2007
Location: oompalumpaland
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well done boss on getting so close to target,katzan i know lots of crafters so very well done .we are doing well here my amazon gift vouchers are still intact .
£0/£13000 
weight 16st 10lb
 happy easter
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28-02-2013, 7:51 AM
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MoneySaving Stalwart 
Join Date: Aug 2009
Posts: 736
Thanked 6,332 Times in 694 Posts
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I'm a bit pants at this whole 'need not want' stuff! Yesterday I bought a chair that I didn't really need. It wasn't expensive (£3 second hand), but still not a necessity. It's a new month now, and definitely a good time to start over! I might give myself a small wants budget of £20-30, see if that helps, but I don't need anything but food and entertainment for the next couple of weeks.
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