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  • FIRST POST
    • Skint yet Again
    • By Skint yet Again 5th Feb 17, 11:27 AM
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    Skint yet Again
    Get a grip !
    • #1
    • 5th Feb 17, 11:27 AM
    Get a grip ! 5th Feb 17 at 11:27 AM
    Message to self ... get a grip ! Stop moaning about your job and do something about it. Reduce your outgoings so you can leave your job ! Save money so you can leave your job ! Downsize the house so you can leave your job !


    Ok so I am mid-40's divorced with DS 21 still at home. He pays half of the bills and his own food (high protein diet).


    I hate my job (in case you hadn't guessed lol) and would like to leave but at the moment it gives me financial security and lots of adaptations for my disabilities which put me off / makes me worry about getting a new job. I am not sure what the future will bring (at some point DS will leave home ...hopefully !) but I really need to get some savings in place.


    So here goes........
    Aims for 2017 -
    1. save as much as possible. spend as little as possible but still have a social life !
    2. no takeaways !
    3. shop once a week - no "top-up" shops - no unnecessary spending !!
Page 36
    • savingwannabe
    • By savingwannabe 19th Nov 17, 9:30 AM
    • 12,939 Posts
    • 46,499 Thanks
    savingwannabe
    OMG. You did lots of things. Well done it sounds like a productive day.
    Happiness Fund (Dec 1st 2017)
    Reminder: I HAVE EVERYTHING I COULD WANT so SAVE!!!!
  • E.ON Company Representative: Helena
    You were right SW there was no frost this morning ! But it was chilly brrr ! Heating was on for 15 minutes whilst getting ready for work. Its lovely and sunny out now but I just got back from walking the puppy and there is a definite nip in the air. It looks like summer but it aint ! Just about to have the last portion of slow cooker stew from the freezer for lunch.


    My rewards were paid into my old account yesterday so I transferred £50 into the xmas account. My old current account shows zero online today so I will check my new account and make sure the money is there.


    I have had a welcome email from EON so the gas and electric transfer has been agreed
    Originally posted by Skint yet Again
    Morning Skint yet Again,

    Super and a warm welcome from me.

    Hiya savingwannabe, I'm always here if anyone needs me

    Have a good week all.

    Helena
    Last edited by E.ON Company Representative: Helena; 04-12-2017 at 8:08 AM.
    Official Company Representative
    I am an official company representative of E.ON. MSE has given permission for me to post in response to queries about the company, so that I can help solve issues. You can see my name on the companies with permission to post list. I am not allowed to tout for business at all. If you believe I am please report it to forumteam@moneysavingexpert.com This does NOT imply any form of approval of my company or its products by MSE"
    • Skint yet Again
    • By Skint yet Again 21st Nov 17, 7:46 PM
    • 3,024 Posts
    • 18,363 Thanks
    Skint yet Again
    Thanks Helena

    I've had another email and have now activated my online account and the transfer should go through on 6 December so all is going well


    Yesterday I went to aldi and when I got to the till I realised I had over £30 of shopping and couldn't remember my pin for my new credit card or my new Halifax card Thankfully I still had my old credit card so I paid with that and now I will need to transfer £54 from my Halifax current account to pay it off. I am glad I kept the old card "in case of emergencies" lol. Could have been very embarrassing ! I have now memorised the Halifax pin, but I cant find the new credit card pin ... will have to sort out the pile of paperwork in the living room !

    Yesterday we booked puppy into vets to be spayed (neutered) on 1 December. She will be 6 months old ! Where has the time gone ... she was 8 weeks old when we got her. Its a day operation and she should be home late afternoon if all goes well with the anaesthetic. I have booked the day off work as I don't think I would be able to concentrate.
    Aims for 2017 -
    1. save as much as possible. spend as little as possible but still have a social life !
    2. no takeaways !
    3. shop once a week - no "top-up" shops - no unnecessary spending !!
    • Skint yet Again
    • By Skint yet Again 22nd Nov 17, 6:10 PM
    • 3,024 Posts
    • 18,363 Thanks
    Skint yet Again
    Car passed its mot today The price was included in my service plan which I pay monthly £28. They also provided a free taxi home for me when I dropped the car off on my way home from work and I got a lift back to garage from DS to collect after it was finished. "Free" wash and valet too !


    We have moved the furniture around in the kitchen/diner/puppy room and moved the tv up onto the kitchen worktop from a low side table so we can watch it when we sit on the puppy sofa. DF kindly sent me an aerial extension lead he had so no extra cost. Puppy likes watching pointless
    Aims for 2017 -
    1. save as much as possible. spend as little as possible but still have a social life !
    2. no takeaways !
    3. shop once a week - no "top-up" shops - no unnecessary spending !!
    • savingwannabe
    • By savingwannabe 22nd Nov 17, 6:45 PM
    • 12,939 Posts
    • 46,499 Thanks
    savingwannabe
    Hooray on passing the MOT, I'm glad that puppy is watching some telly.
    Happiness Fund (Dec 1st 2017)
    Reminder: I HAVE EVERYTHING I COULD WANT so SAVE!!!!
    • Kittikins
    • By Kittikins 22nd Nov 17, 9:20 PM
    • 4,839 Posts
    • 43,569 Thanks
    Kittikins
    That's so sweet about the puppy and Pointless, I'll have to tell one of my BFFs who worked on the show

    Hooray for MOT passing!
    Sealed tin saving - trying to put everything under £1 in my purse in there each day
    House deposit savings £52,000
    • Skint yet Again
    • By Skint yet Again 25th Nov 17, 10:44 AM
    • 3,024 Posts
    • 18,363 Thanks
    Skint yet Again
    Good Morning Bright day, blue sky and sunshine but boy is it cold !! Had doc appointment this morning at 7.45 had to de-ice the car brrrr. He has doubled my medication to try and bring my condition under control and diagnosed eustachian tube dysfunction too, another one to add to the list lol. Have been suffering with ears popping, pain & deafness for weeks and its all linked to the other problem so no treatment as such as it should clear up once the other problem does !


    Have just got back from puppy walk. Training disks recommended by puppy class trainers were ordered from amaxon & arrived yesterday £10 and they are working really well.


    Did a shop in morresons yesterday for milk & bread & a few bits and bobs for over the weekend. We avoided takeaway last night and had beef madras with a jar from aldee and nan breads. Tonight is enchiladas with a box on offer £2 bought a few weeks ago in co-op & roast chicken for tomorrow with chicken bought in aldee at beginning of the week. Am trying not to buy any more food before payday apart from maybe milk & salad.


    One load of washing just finishing and will try and get another done too. If you are sheltered in the sun outside its quite warm now.
    Aims for 2017 -
    1. save as much as possible. spend as little as possible but still have a social life !
    2. no takeaways !
    3. shop once a week - no "top-up" shops - no unnecessary spending !!
    • savingwannabe
    • By savingwannabe 26th Nov 17, 9:36 AM
    • 12,939 Posts
    • 46,499 Thanks
    savingwannabe
    Gosh that was an early dr's appointment, I'm so sorry that your hearing is still being affected. I hope the stronger medication works.

    Well done on lovely food and on no takeaways. I'm going to try to be good as I am running out of cash.

    Guess who used the dryer yesterday? I can't believe how great it looks outside bright and chilly but stunning. Have a good day.
    Happiness Fund (Dec 1st 2017)
    Reminder: I HAVE EVERYTHING I COULD WANT so SAVE!!!!
    • Skint yet Again
    • By Skint yet Again 26th Nov 17, 8:45 PM
    • 3,024 Posts
    • 18,363 Thanks
    Skint yet Again
    I haven't really used the dryer much but I did have the heating on a lot yesterday, it was so cold and I could not get warm. Today has been a bit warmer so the heating has been off all day. I got 2 loads of washing done and mostly dried, just the jeans and DS's jogging bottoms finishing on airers.


    Have been looking through my budget and from next month Virgin media, mortgage and gas/electric are all going up. Only a few pounds each but it all adds up. I have calculated I should have £285 left in my bank account by payday, of which £125 was money from the Halifax for switching my current account. I will keep £40 to get my hair done and the rest £245 will be paid off the 0% credit card.


    Today I have done some sewing and fixed another of my bras where the underwire was poking through. I am going to have to invest in some new ones soon as I have lost so much weight. I already replaced my pants as the old ones kept falling down
    Aims for 2017 -
    1. save as much as possible. spend as little as possible but still have a social life !
    2. no takeaways !
    3. shop once a week - no "top-up" shops - no unnecessary spending !!
    • savingwannabe
    • By savingwannabe 27th Nov 17, 8:28 AM
    • 12,939 Posts
    • 46,499 Thanks
    savingwannabe
    Fantastic news that you have money left over and can use it towards the credit card. It's great that you are losing so much weight. I am putting it on. We should just swap clothes it will be cheaper. lol.
    Happiness Fund (Dec 1st 2017)
    Reminder: I HAVE EVERYTHING I COULD WANT so SAVE!!!!
    • Skint yet Again
    • By Skint yet Again 28th Nov 17, 4:39 AM
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    • 18,363 Thanks
    Skint yet Again
    Went to puppy class last night spent £13 on an antler for puppy to chew. She has bitten a hole in her bed and just about every "indestructable" toy we have bought her.

    My share of profits arrived from coop and I have earned a £5 off voucher from using my membership card. I will probably use it on stocking filler chocolates for DS.

    We are home for Xmas this year DS is working Xmas eve and New Year's Eve. He did Xmas day and New Year's Day last year. I will be doing a dinner so will need to start thinking about food.
    Aims for 2017 -
    1. save as much as possible. spend as little as possible but still have a social life !
    2. no takeaways !
    3. shop once a week - no "top-up" shops - no unnecessary spending !!
    • savingwannabe
    • By savingwannabe 28th Nov 17, 7:00 PM
    • 12,939 Posts
    • 46,499 Thanks
    savingwannabe
    I can't believe puppy chews so much!!!! I hope she calms down soon as this is costing you lots of money.

    Well done on £5 from Coop. Do you have shares with them?

    I'm spending Christmas with my parents at their home. I will leave lodger here. I think he is trustworthy. It's nearly payday.
    Happiness Fund (Dec 1st 2017)
    Reminder: I HAVE EVERYTHING I COULD WANT so SAVE!!!!
    • Skint yet Again
    • By Skint yet Again 30th Nov 17, 4:53 PM
    • 3,024 Posts
    • 18,363 Thanks
    Skint yet Again
    Payday ! Am so tired I will sort online banking tomorrow. We have had no heating again at work and I am feeling unwell. Yesterday they told me to go and sit in my car to warm up. All very well but its my petrol money I'm using !! Half the office was heated today so I moved and sat in the heated half !

    SW I don't have shares in the traditional sense but you can become a member of the co-op for £1 and then for every £1 you spend using your membership card you get a share of the profits.

    Puppy goes to vets for 8.30am tomorrow, not sure how long the operation/recovery will take but I will try and get some jobs done as I am off work.
    Aims for 2017 -
    1. save as much as possible. spend as little as possible but still have a social life !
    2. no takeaways !
    3. shop once a week - no "top-up" shops - no unnecessary spending !!
    • Kittikins
    • By Kittikins 30th Nov 17, 7:38 PM
    • 4,839 Posts
    • 43,569 Thanks
    Kittikins
    Good luck little pup, hope it all goes smoothly! x

    It's my payday too
    Sealed tin saving - trying to put everything under £1 in my purse in there each day
    House deposit savings £52,000
    • savingwannabe
    • By savingwannabe 30th Nov 17, 8:09 PM
    • 12,939 Posts
    • 46,499 Thanks
    savingwannabe
    Heating was rubbish at work for me too. I couldn't focus as it was so cold. I hope your time off is restful and that puppy is ok.

    It is nearly the weekend. Like you both I am so glad it's payday. Once the credit card is paid I will be happy.
    Happiness Fund (Dec 1st 2017)
    Reminder: I HAVE EVERYTHING I COULD WANT so SAVE!!!!
    • Skint yet Again
    • By Skint yet Again 1st Dec 17, 12:08 PM
    • 3,024 Posts
    • 18,363 Thanks
    Skint yet Again
    1st of December and looking forward to Christmas ... only cos I have 2 weeks off work from 18th December Otherwise I could quite easily not bother with Christmas this year.

    Anyway, highlights for November:
    - Switched current account for £125 reward
    - Previous bank monthly rewards earned total £48.93 - paid into xmas account
    - Bargain regatta coat water/wind proof £19.99 & waterproof walking shoes/trainers £39.99 so no more wet feet after puppy walks
    - saved £100 into annual bills account
    - saved £50 into birthdays / xmas account
    - paid £225 off 0% credit card
    - Car passed its MOT, price included in service plan £28 a month, also free taxi home and car washed & valeted
    - mended my underwired bra where the wires were poking through
    - made lots of meals at home instead of takeaways
    - share of profits from co-op £5 off voucher.
    - switched gas & electric as fixed tariff coming to an end. £25 cashback to follow after 3 months from energy saving club.
    Last edited by Skint yet Again; 01-12-2017 at 12:10 PM.
    Aims for 2017 -
    1. save as much as possible. spend as little as possible but still have a social life !
    2. no takeaways !
    3. shop once a week - no "top-up" shops - no unnecessary spending !!
    • Skint yet Again
    • By Skint yet Again 1st Dec 17, 12:23 PM
    • 3,024 Posts
    • 18,363 Thanks
    Skint yet Again
    Took puppy to the vets this morning and am waiting for a call this afternoon to collect her. Must have all gone ok as she was the only one in today and the vet said she would be done soon after I dropped her off at 8.30am. She was not happy that she didn't get any breakfast this morning, poor girl


    DS got a 50% off voucher for spaying which has really helped as its very expensive. So today I took the 3 pet carriers and donated them to the shop where the voucher came from. One of the pet carriers was used a few times when we first brought puppy home, but the other 2 were brand new still with tags as amaxon kept sending us the wrong one and told us to keep them ! I will also do some more decluttering over the next few weeks and donate more to them.


    I also picked up a few "special" Christmas cards from the local drug store "to a special couple, both of you, mum & dad, son, which were 29p each. I am going to try and be organised and write my cards this weekend so I can get second class stamps to save some money rather than first class. I also picked up 5 rolls of sellotape for £1.


    One load of washing has just finished and been hung out as its sunny and windy out so hope it will dry. Have also emptied all the bins and got rid of 3 large cardboard boxes out for the bin / recycling collection today. Kitchen bin washed & patio scrubbed down. Am now having a sit down and a cuppa.
    Last edited by Skint yet Again; 01-12-2017 at 12:25 PM.
    Aims for 2017 -
    1. save as much as possible. spend as little as possible but still have a social life !
    2. no takeaways !
    3. shop once a week - no "top-up" shops - no unnecessary spending !!
    • savingwannabe
    • By savingwannabe 1st Dec 17, 8:49 PM
    • 12,939 Posts
    • 46,499 Thanks
    savingwannabe
    Fab news that puppy is ok, and that DS managed to save you some money from the bill.

    Gosh you have been busy. It is freezing here. Nothing done as I have chilled since I got in. Hope you have a good night.
    Happiness Fund (Dec 1st 2017)
    Reminder: I HAVE EVERYTHING I COULD WANT so SAVE!!!!
    • Skint yet Again
    • By Skint yet Again 1st Dec 17, 10:37 PM
    • 3,024 Posts
    • 18,363 Thanks
    Skint yet Again
    Thanks SW, puppy is ok but she is not impressed with her buster collar (like a large lampshade lol) and is moaning like a wookie


    The vet said we could buy special food for after the op or she could have plain chicken and rice, so I cooked some this afternoon and since she got home she has eaten a little. She can't fit in her crate with her collar on so she is sleeping on the sofa. Its the first time we have left her out overnight so I am a little anxious, hope she will be ok. I paid £15 extra for painkillers for her for next few days.
    Aims for 2017 -
    1. save as much as possible. spend as little as possible but still have a social life !
    2. no takeaways !
    3. shop once a week - no "top-up" shops - no unnecessary spending !!
    • savingwannabe
    • By savingwannabe 2nd Dec 17, 7:03 AM
    • 12,939 Posts
    • 46,499 Thanks
    savingwannabe
    Poor puppy I remember those collars as my friends doggie used to have to wear them regularly. The fact she can sleep on the sofa is a treat though.

    It is so cold here. I hope it's ok by you.
    Happiness Fund (Dec 1st 2017)
    Reminder: I HAVE EVERYTHING I COULD WANT so SAVE!!!!
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