Hypno's recession busting debt diary.....

hypno06

The new paper diary works fab!! It is for money related stuff only. Every morning I log onto online banking, and write down all the balances in the various pots marked against what I still have to pay. I also mark down "expected money" so if I have asked for money from paypal but it is yet to hit the bank or I am down to see a client in the week or whatever, then I can keep it separately but still know that it can be almost counted on!

I have used it since the 1st August, and I am sure it is helping me in my quest to stay the right side of the overdraft

pandapaws

A quick hijack : Do you get Quidco on Tesco grocery? If so then I've been missing out big time! Thought it was only on Tesco Direct orders and the like - anyone know for sure?

duchy

£5 off first grocery order only-although I did get it for a not first order by accident. I'd used them several times and happened to log in via the Quidco link and to my surprise the £5 validated and paid-worth a try.
ASDA order arrived right on time-2 substitutions (pizzas and free range eggs instead of value ), bag of oven chips had a small rip and one chip fell out-so he told me to keep them and refunded them. Very nice bloke-not the Tesco spotty teenager type we get usually-who asked if it was my first shop and ran through everything. I'm quite impressed with ASDA-as they accept my electron card I may stick with them

OliveOyl_2

I've checked Pandapaws,
my £5 intro money has already tracked

and it says this:
This merchant pays cashback based on the order value excluding VAT and delivery charges (calculated as £5 per order).

To visit the main Tesco site, please click on the 'Tesco.com' link on the Tesco Direct page.

Tesco.com will not pay cashback on their Finance & Insurance services.

So I'd assumed my order will qualify too......
But it also says £5for first genuine new registration and first order with Tesco Grocery3%for other sales (not applicable to grocery or Travel related orders)3%for Tesco wines7%for Entertainment and Jersey

So perhaps just my wine will qualify

hypno06

Still ironing ............:eek:

lucielle

Hi Hypno, how's the kitchen doing? Off to attack my K2 size pile of ironing.........I may be some time.
L

pandapaws

Thanks! I think I got the first order referral (a few times as I keep opening new Clubcard accounts!) through Pigsback, I was just wondering if there was a % cashback on the groceries as well *sigh of relief that I haven't been missing out on Quidco!*

Karmacat

My kitchen worktops are getting cleaner.... carrying on with the housework challenge, for once...

elantan

wow i got a whole 4 hours sleep there dont know what hit me ...son is away to get his c.b.t license (thats what he spent his money for his exam results on) then off to pick him up ...no hypno i am interested in this paper diary idea for cash why do you think it helps you stay in the black in particular? is it cause you see the numbers in front of you and can play about with them all say or does it stop you from spending? i'm quite interested honest...i keep my gas and electricity numbers in my diary it helps me keep on top of how much i have spent ...but i have never thought about account balances ....

taxi73

Well done with the housework everyone and your week off sounds great Hypno.