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  • FIRST POST
    • mum2one
    • By mum2one 31st Dec 16, 1:04 AM
    • 16,137Posts
    • 59,967Thanks
    mum2one
    Santas challenge 2017
    • #1
    • 31st Dec 16, 1:04 AM
    Santas challenge 2017 31st Dec 16 at 1:04 AM
    A warm welcome to old and new friends.

    What is Santas challenge...

    We're a lovely thread, may be small but we're good... I know Christmas happens every year, yet by planning throughout the year this can take off some of the financial pressure of finding everything last minute, spread the tasks throughout the year.

    It's not just about Christmas, it's birthdays, Easter, Valentine's Day,x cleaning those kitchen cupboards, having a general moan about life, yet being there as well.

    The great plan is for a challenge on the 24th of the month, so that by Christmas Eve we are all ready and can sit back and relax...

    A big welcome to everyone. Xx
    17 crafts in 2017 = 0/17
    Sisters legacy -50 charitable acts 43/50
    Tackling the debt free life one day at a time xx
    RIP Dad, - Always love you, - He was 1 in a million xx
Page 8
    • chanie
    • By chanie 18th Mar 17, 9:24 PM
    • 1,683 Posts
    • 8,334 Thanks
    chanie
    hapoykitties my travel wallet was good quality too.I think you should give your niece her wallet before she goes in her trip so that she can travel in style.

    Thanks for the wrapping suggestions. I've been inspired to look around and I may tart up a couple of presents.
    2017 challenge to save £800
    Savings on purchases £807.18
    My spending diary - Spend Less, Live More
    http://forums.moneysavingexpert.com/showthread.php?t=4327401ht
    • mum2one
    • By mum2one 18th Mar 17, 11:09 PM
    • 16,137 Posts
    • 59,967 Thanks
    mum2one
    I've sorted out the next bday present, turns out with the body shops sale items, (free bottle of wine - win in raffle... posh one from local winery), I've been able to cover her Xmas as well xx
    17 crafts in 2017 = 0/17
    Sisters legacy -50 charitable acts 43/50
    Tackling the debt free life one day at a time xx
    RIP Dad, - Always love you, - He was 1 in a million xx
    • mum2one
    • By mum2one 18th Mar 17, 11:14 PM
    • 16,137 Posts
    • 59,967 Thanks
    mum2one
    Apologies for completely digressing.... but method in my madness..

    Ppi

    Those words which seem to be branded around everywhere....

    Back in 2012 a claims company acted on my behalf, got told no.... never bothered...

    Then this week had a letter from the bank... they've overturned the decision, although there was a number on the letter - any queries... I searched the branch number - gave me a call centre number (same one as letter), it is not a scam it's true....

    Task for the week, contact other cards etc xxx
    17 crafts in 2017 = 0/17
    Sisters legacy -50 charitable acts 43/50
    Tackling the debt free life one day at a time xx
    RIP Dad, - Always love you, - He was 1 in a million xx
    • chanie
    • By chanie 19th Mar 17, 8:37 AM
    • 1,683 Posts
    • 8,334 Thanks
    chanie
    I've sorted out the next bday present, turns out with the body shops sale items, (free bottle of wine - win in raffle... posh one from local winery), I've been able to cover her Xmas as well xx
    Originally posted by mum2one
    That's a great result.
    2017 challenge to save £800
    Savings on purchases £807.18
    My spending diary - Spend Less, Live More
    http://forums.moneysavingexpert.com/showthread.php?t=4327401ht
    • crazy-cat-lady
    • By crazy-cat-lady 20th Mar 17, 10:46 AM
    • 359 Posts
    • 1,239 Thanks
    crazy-cat-lady
    Apologies for completely digressing.... but method in my madness..

    Ppi

    Those words which seem to be branded around everywhere....

    Back in 2012 a claims company acted on my behalf, got told no.... never bothered...

    Then this week had a letter from the bank... they've overturned the decision, although there was a number on the letter - any queries... I searched the branch number - gave me a call centre number (same one as letter), it is not a scam it's true....

    Task for the week, contact other cards etc xxx
    Originally posted by mum2one
    Great news. Hope you get something decent out of it. I got a payment in October last year and as I'm off on maternity and not got much free money floating around it's been amazing. Paid off the last bits I owed (now totally debt free), put some into savings and bought some bargain bits to put away from Zoe and for other presents in the future. Very much needed. And also paid for our holiday for the year. Didn't think we would be getting one. All a very welcome surprise.
    Cat blankets crocheted for local rescue: 5/12
    Read a book a week: 17/52. Current book. "How I lived on a pound a day".
    • Happy Kitties
    • By Happy Kitties 21st Mar 17, 12:14 AM
    • 348 Posts
    • 2,873 Thanks
    Happy Kitties
    I had a small PPI payout just before Christmas 2015, didn't expect anything as I was certain that I had never had PPI but it just shows. Couldn't have asked for better timing
    Sent off the first of my birthday parcels to my brother today.
    chanie I took your advice. My niece's travel wallet was sent off today amongst the presents for her to open early and be able to use
    One more parcel to go and that's the main March birthday presents out of the way. Birthdays slow down for me after that I'm relieved to say. I have my stepfathers birthday next month but all presents bought before Christmas.
    2017 birthday savings so far thru shopping frugally = 228.72 284.31 306.81 481.15:money.
    April grocery challenge £171.21/ £200 May GC £248.47/£190 June GC £87.69/ £190
    • Happy Kitties
    • By Happy Kitties 21st Mar 17, 5:26 PM
    • 348 Posts
    • 2,873 Thanks
    Happy Kitties
    Second parcel posted today so I am a very happy kitties. I definitely do not like March for birthdays
    2017 birthday savings so far thru shopping frugally = 228.72 284.31 306.81 481.15:money.
    April grocery challenge £171.21/ £200 May GC £248.47/£190 June GC £87.69/ £190
    • mum2one
    • By mum2one 21st Mar 17, 7:32 PM
    • 16,137 Posts
    • 59,967 Thanks
    mum2one
    Don't forget Mother's Day on Sunday.... then bargains on Monday xx
    17 crafts in 2017 = 0/17
    Sisters legacy -50 charitable acts 43/50
    Tackling the debt free life one day at a time xx
    RIP Dad, - Always love you, - He was 1 in a million xx
    • Happy Kitties
    • By Happy Kitties 22nd Mar 17, 1:09 PM
    • 348 Posts
    • 2,873 Thanks
    Happy Kitties
    Bought my mum some of her favourite chocs after Christmas, still with a brilliant best before date on them but got them for half price I'm amazed I haven't eaten them!
    Checked out her favourite perfume, the cheapest place is B@@ts, have vouchers from the RM surveys I can use.
    So it's just trecking thru the garden centre on Sat looking for a Rosebush that she would like with orange flowers.......and then extracting half the money for the presents from my brother as we always go joint on occasions like mothers and father's day.
    2017 birthday savings so far thru shopping frugally = 228.72 284.31 306.81 481.15:money.
    April grocery challenge £171.21/ £200 May GC £248.47/£190 June GC £87.69/ £190
    • Dolly Rocker
    • By Dolly Rocker 22nd Mar 17, 1:53 PM
    • 3,414 Posts
    • 9,765 Thanks
    Dolly Rocker
    mum2one - love the way your mind works here, will defo be picking up some Mothers day bargains in the sale for next year!

    Happy Kitties - that's great. I was gonna order some marzipan fruits from a website as they were so cheap but I was worried because I couldn't see the best before date on them so ended up just leaving it. Love surveys, I just cashed in some vouchers for Amazon this morning. Started my wish list on there to keep an eye on the prices aswell. Have my eye on a gift for DH Christmas so will order that when the price is right.

    Dxxx
    Starting Debt - £15,000
    Remaining Debt - £1,980

    Starting Weight - 16st 7lbs
    Current Weight - 15st 3lbs
    • mum2one
    • By mum2one 22nd Mar 17, 11:12 PM
    • 16,137 Posts
    • 59,967 Thanks
    mum2one
    Bought my mum some of her favourite chocs after Christmas, still with a brilliant best before date on them but got them for half price I'm amazed I haven't eaten them!
    Checked out her favourite perfume, the cheapest place is B@@ts, have vouchers from the RM surveys I can use.
    So it's just trecking thru the garden centre on Sat looking for a Rosebush that she would like with orange flowers.......and then extracting half the money for the presents from my brother as we always go joint on occasions like mothers and father's day.
    Originally posted by Happy Kitties
    Ditto with the chicks, we got big box of black magic for £3 after Xmas as well.

    Have to say there left untouched.... I hate dark choc xx
    17 crafts in 2017 = 0/17
    Sisters legacy -50 charitable acts 43/50
    Tackling the debt free life one day at a time xx
    RIP Dad, - Always love you, - He was 1 in a million xx
    • mum2one
    • By mum2one 22nd Mar 17, 11:13 PM
    • 16,137 Posts
    • 59,967 Thanks
    mum2one
    Bought my mum some of her favourite chocs after Christmas, still with a brilliant best before date on them but got them for half price I'm amazed I haven't eaten them!
    Checked out her favourite perfume, the cheapest place is B@@ts, have vouchers from the RM surveys I can use.
    So it's just trecking thru the garden centre on Sat looking for a Rosebush that she would like with orange flowers.......and then extracting half the money for the presents from my brother as we always go joint on occasions like mothers and father's day.
    Originally posted by Happy Kitties
    Ditto with the chicks, we got big box of black magic for £3 after Xmas as well.

    Have to say there left untouched.... I hate dark choc xx

    Miss hoodie been raiding my stock for her friends bday, she's having Tesco toiletries set (£3 in sale...), she's def a chip off the old block xx
    17 crafts in 2017 = 0/17
    Sisters legacy -50 charitable acts 43/50
    Tackling the debt free life one day at a time xx
    RIP Dad, - Always love you, - He was 1 in a million xx
    • Happy Kitties
    • By Happy Kitties 23rd Mar 17, 8:48 PM
    • 348 Posts
    • 2,873 Thanks
    Happy Kitties
    mum2one it was black magic I got aswell. Not a fan of dark chocolate either, but did get into black magic by chance after pinching one of my mum's chocs in the past.
    Great news about Miss hoodie, it's amazing what they learn and it stays with them. My DD is off to uni this year and has nearly all of Christmas and most birthdays sorted just by copying what I've done. She now keeps a present book aswell and likes seeing the savings she has made. It's the first year she has really done it
    chanie my niece was thrilled with her travel wallet
    [B]dollyrocker[/B ]it's a shame about the marzipan fruits, and frustrating about not knowing the best befores. Me and DD were in a certain supermarket at the right time after Christmas and the chocs that were reduced that still had great best before were amazing. Managed to get my favourite chocs for my brothers birthday-4.50 off.
    Good news about getting the vouchers and u r monitoring Amazon for DH present. I would do exactly the same to get the best price
    2017 birthday savings so far thru shopping frugally = 228.72 284.31 306.81 481.15:money.
    April grocery challenge £171.21/ £200 May GC £248.47/£190 June GC £87.69/ £190
    • chanie
    • By chanie 25th Mar 17, 9:13 PM
    • 1,683 Posts
    • 8,334 Thanks
    chanie
    Happy mothers day to everyone tomorrow. Not just those of us with children, but all women.

    I bought my mum and MIL a bunch of tulips for Mothers Day. I begrudge buying flowers that will be half the price the following week, so I will only buy a reasonably priced bunch. I love the simplicity of tulips so that's what I got. I bought MIL a scarf from OH, but MIL saw something she wanted today and so OH bought it for her. The scarf scanned at a lower price so I've decided to keep give it to MIL for Xmas rather than returning it.
    2017 challenge to save £800
    Savings on purchases £807.18
    My spending diary - Spend Less, Live More
    http://forums.moneysavingexpert.com/showthread.php?t=4327401ht
    • mum2one
    • By mum2one 28th Mar 17, 1:06 PM
    • 16,137 Posts
    • 59,967 Thanks
    mum2one
    Went up market and went to m&s... gone on for meal deal and saw the reduced flowers...
    £25 reduced £4.40
    £20 reduced £3.50
    £10 reduced to 70p

    Xx
    17 crafts in 2017 = 0/17
    Sisters legacy -50 charitable acts 43/50
    Tackling the debt free life one day at a time xx
    RIP Dad, - Always love you, - He was 1 in a million xx
    • mum2one
    • By mum2one 28th Mar 17, 6:03 PM
    • 16,137 Posts
    • 59,967 Thanks
    mum2one
    A belated santas challenge.... march

    Clocks
    Although it was Sunday the clocks went back, have a quick whip round the house to see if you missed any ( central heating clock for me)

    Mother's Day
    As usual the shops would have enticed us in for Mother's Day gifts / flowers / chocs. Generally most shops have reductions this week. For flowers add a small squirt of bleach to the water ..... sounds really mad but it works a treat.

    Garden
    This seems to be the time to start the garden, if you do need lawn mowers etc most places have seasonal clear out of last yrs stock, and reductions on new stock.

    Easter eggs
    Easter is the next bank hol / wallet spending day.... don't forget Easter Sunday all big supermarkets: diy etc are closed. As for buying eggs all shops are trying t compete with each other

    Christmas prep
    Hopefully as each month approaches there 1 less bit of Xmas prep to be done, recheck the lists, those that haven't got a present / part present - set a budget - keep a.note in ur purse : handbag so if you spot the bargain of the century- u can grab it.

    Summer clothes
    This might seem a bit premature --- ur if your looking for certain summer items grab earlier than later... from experience last july trying to get swimwear / shorts for miss hoodie was a ngtmare ...

    Online deals
    Look at online deals if you shop at particular shops some do have yr long passes for postage ... e.g. New look it's £9.99 for yrs pass / once you have had 2 or 3 deliveries you're in profit.

    Money making
    From other sites receipt scanning seems to be the new one on the mArket, like all fee sites it's going to a build up to get enough points to claim a prize but if it's free.
    Receipt hog - android and apple based....
    shopprize uk - android only app

    Each site has different levels of how many receipts etc... but if your near Asda and happen to see a receipt floating around you can always check online to see if it can be price matched

    Wool
    I do t know if anyone knits / crochets - I have found an shop in Blackpool - they have a store via Facebook, so far I had 3 sets of deliveries and have been impressed - they have sale wool starting at 50p ball, most of the wool is £1 for 100gs (postage is £3 for up to 18balls)

    Lollys wool shack

    Car boots
    Now the season starts for car boots, they can be a Gd way of clearing out / killing an hr and having a wonder around.

    School fetes
    Same principle for school fetes generally Easter / summer fetes, so if told r a parents start a little box in the corner - there he donAtions for x,y,z
    Also worth a look as a lot of school now tend to have the outside stalls in - you can get a variety of items

    Me time
    Me time - whether it's a bubble bath, glass of wine, read a book, take some me time.....

    Recipe / cooking
    With it being Easter - think of choc .... so have some fun and I corporate chocolate into a receipt.

    Birthdays
    We're nearly at the end of march - so if your doing 3 mths at a time start checking the lists

    Miss hoodies corner
    Have we Saved the best for last.....
    Hidden cupboards / forgetten spaces ./ hidden draws in bed .. I'm sure we all have that one space which doubles / triples up / haven't got a home it goes there.
    Give this space a sort out.....

    Dare we ask what is the oddest / oldest / weird thing you found.

    Argos
    I promise I don't work for Argos - just a bargain hunter
    My fav part of the website is clearance, this way you can log into you ur store or anyone you fancy...
    Last ngt hunting throu mine - I found my mums bday present ... 9ct white gold and diamond ring... they say the original price £149 reduced to £32.
    She's over the moon...

    There might be something there might be nothing - it's always worth a look

    Xxxxxx
    17 crafts in 2017 = 0/17
    Sisters legacy -50 charitable acts 43/50
    Tackling the debt free life one day at a time xx
    RIP Dad, - Always love you, - He was 1 in a million xx
    • Happy Kitties
    • By Happy Kitties 29th Mar 17, 7:50 PM
    • 348 Posts
    • 2,873 Thanks
    Happy Kitties
    Breaking my spends down for the grocery challenge on another thread, March has been an expensive month with birthdays, landmark birthdays, getting easter eggs in etc, even with buying during the sales and throughout the year. I always try to buy one present a month in my grocery spends so monies won't be missed on one item, it's amazing the difference it does make at Christmas, really feel more prepared without being broke during December.

    Haven't really done much else, a little bit of the garden has been sorted and I think I will have a bit more of a sort out and clean of cupboards.

    mum2oneI also like the clearance section with Arg@s, have picked up some great deals in the past
    2017 birthday savings so far thru shopping frugally = 228.72 284.31 306.81 481.15:money.
    April grocery challenge £171.21/ £200 May GC £248.47/£190 June GC £87.69/ £190
    • Happy Kitties
    • By Happy Kitties 1st Apr 17, 7:48 PM
    • 348 Posts
    • 2,873 Thanks
    Happy Kitties
    Bought 2 tins of biscuits in nice tins today in Tesc@s down from £4 to £2
    Really good best before date into March next year.
    Great for top up presents, one tin wrapped and ready for Christmas. Just got to stash them away now, if they're out of sight and out of mind I won't eat them
    2017 birthday savings so far thru shopping frugally = 228.72 284.31 306.81 481.15:money.
    April grocery challenge £171.21/ £200 May GC £248.47/£190 June GC £87.69/ £190
    • Chezcpdm
    • By Chezcpdm 1st Apr 17, 11:27 PM
    • 1 Posts
    • 6 Thanks
    Chezcpdm
    Hi all just come across this thread and would love to join if possible please

    I'm trying be super organised this year as I have 4 children my youngest is 1 24 April the other 3 birthdays are 20,24,28 December so it's very very expensive

    I ordered my sons first Christmas or birthday present the other day ( I decide as I wrap lol)
    I've ordered 3 puzzles tonight for my daughters on Amazon again for Xmas or birthday

    I've got love to shop vouchers coming in September hopefully as it is a struggle pay my monthly DD for them

    Everything is brought for my daughters 1st birthday I just need pay my credit card bill for her main present and I need to buy her cake and balloon and everything is prepared

    I love shopping for Christmas. I have wrapping paper in my loft I brought outdoor Christmas decorations in the sale

    I have Yankee candles 3 cath kidston mugs 1 niVea gift set ( unwanted gift) and a Marc Jacobs perfume gift set all put up for Christmas

    Sorry for rambling hope everything I put is ok.

    Thanks xxx
    • Dolly Rocker
    • By Dolly Rocker 2nd Apr 17, 3:35 PM
    • 3,414 Posts
    • 9,765 Thanks
    Dolly Rocker
    Picked up my Mothers Day 2018 gift today, cup, keyring and pomander - £3.45.

    Also have a look on House of Frasers, some great deals on beauty at the moment.

    Bayliss and Harding 4 crackers £10.00 reduced to £2.00

    Elizabeth Arden Holiday set £349.99 reduced to £50.00

    I'm so tempted but don't really think anyone I buy for would appreciate any of the goodies on offer.

    Dxxx
    Starting Debt - £15,000
    Remaining Debt - £1,980

    Starting Weight - 16st 7lbs
    Current Weight - 15st 3lbs
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