'Virtual sealed pot' Challenge until Dec 1st 2009

spam.jam

eSparkles wrote: »

oooooo you've just reminded me .. i have 2 passbooks upstairs .. one is for the Northern Rock and has maybe a couple of pound in it .. the other is one from the post office (is it national savings or something like that) .. that one has about £15 in it .. the post office one i sent off a couple of years ago for interest to be added, and know that on is still alive .. the NR one i dont know about tho .. wonder if it will be worthwhile closing them and adding them to this one xx

if its money in your name then grabbit, it all adds up. iv got @ 8 different accounts scattered all over the place, only my 2 current accounts have overdraft facilities though (so count on my credit score as credit available to me) the other accounts are all sort of dormant with just a few pence in them. as my finances begin to improve i will start to use them for seperating my savings up eg two for virtual sealed pots with purpose ie xmas '09, and then one for ebay, one for quidco, one for car tax saving etc. i need to write a thorough financial plan of what goes out and what comes in, real income will be paying living expenses and then money from 'upping my income' i need to SAVE IT. im just happy at the mo with saving for next xmas, its going to be so much nicer having money to lean on instead of trying to materialise it out of thin air like i do every bloomin december!!:rotfl:

eSparkles

Nicki_Sue wrote: »

Another £6.64 moved into Isa today (set a reminder on my phone for every Friday "Virtul Pot" so I dont forget and let the weeks merge into one another!

another biggie .. well done .. everyone is doing fab xx

eSparkles

spam.jam wrote: »

if its money in your name then grabbit, it all adds up. iv got @ 8 different accounts scattered all over the place, only my 2 current accounts have overdraft facilities though (so count on my credit score as credit available to me) the other accounts are all sort of dormant with just a few pence in them. as my finances begin to improve i will start to use them for seperating my savings up eg two for virtual sealed pots with purpose ie xmas '09, and then one for ebay, one for quidco, one for car tax saving etc. i need to write a thorough financial plan of what goes out and what comes in, real income will be paying living expenses and then money from 'upping my income' i need to SAVE IT. im just happy at the mo with saving for next xmas, its going to be so much nicer having money to lean on instead of trying to materialise it out of thin air like i do every bloomin december!!:rotfl:

yep both are in my name .. just had a look and the nearest northern rock is in Sheffield, so am looking at over £4 in bus fare so will pass on that one lol
I think I will take a leaf out of your book and keep the post office one for when I finish studying and start work properly (cant afford to make the minimuim deposit at the minute lol - how sad is that!!!)
xx

spam.jam

ok iv checked my accounts, all hunky dorey, so my 2nd virtual sealed pot now has £4.82 in it woohoo, and im aiming for another £260 by dec 1st '09 and its for christmas extras (my first sealed pot will be for my kids presents, my second pot for everyone & everything else) sortedly tidy xx

spam.jam

eSparkles wrote: »

yep both are in my name .. just had a look and the nearest northern rock is in Sheffield, so am looking at over £4 in bus fare so will pass on that one lol
I think I will take a leaf out of your book and keep the post office one for when I finish studying and start work properly (cant afford to make the minimuim deposit at the minute lol - how sad is that!!!)
xx

its not sad hun;) i can only afford a few pence at a time. have you looked over on the 'up your income' thread, its pretty good. i love going to car boots, buying stuff for pennies then flogging it on ebay, it really does bring in extra cash.xx

edit can you apply for internet banking on your northern rock acc., then you could just transfer the cash over?

eSparkles

spam.jam wrote: »

ok iv checked my accounts, all hunky dorey, so my 2nd virtual sealed pot now has £4.82 in it woohoo, and im aiming for another £260 by dec 1st '09 and its for christmas extras (my first sealed pot will be for my kids presents, my second pot for everyone & everything else) sortedly tidy xx

good luck, go for it!! xx

sparky0107

Sweetpeanut wrote: »

:DCount me in! started 1st jan, £2, a-day, more if im feeling flushed, my tubs rattling quite nicely up to yet:D, not opening until 1/12/09, so should have a good amount by then, will keep you up-dated:beer:

sweetpeanut,
Are you sure it's not the sealed pot challenge you want, this is virtual sealed pot challenge, which most of the people on here are involved in also

eSparkles

spam.jam wrote: »

its not sad hun;) i can only afford a few pence at a time. have you looked over on the 'up your income' thread, its pretty good. i love going to car boots, buying stuff for pennies then flogging it on ebay, it really does bring in extra cash.xx

edit can you apply for internet banking on your northern rock acc., then you could just transfer the cash over?

i just did a call back to NR and spoke to a lady about the account .. she said because of the kind of account I cannot do online, but I can post it to their head office for updating .. she has also said that i can send cheques in too and they will put them in and send me the book back .. so great thinking there Spam

edit: forgot to say .. re the extra income thing .. to be honest i am struggling with my college work as it is with everything else thats going on around here, and dont think I can take anything else on .. but will have a nosey on there, thank you
xx

spam.jam

eSparkles wrote: »

i just did a call back to NR and spoke to a lady about the account .. she said because of the kind of account I cannot do online, but I can post it to their head office for updating .. she has also said that i can send cheques in too and they will put them in and send me the book back .. so great thinking there Spam

edit: forgot to say .. re the extra income thing .. to be honest i am struggling with my college work as it is with everything else thats going on around here, and dont think I can take anything else on .. but will have a nosey on there, thank you
xx

im glad about your account being sortable through the post.x

gosh me too re the studying. im a single mum, 2 kids, 2 cats, 2 goldfish, job, ebay my head off, doing Nvq 3 in CCLD, plus finishing my degree from feb this year. some days i don't know my arrse from elbow?:o

good luck with upping your income xx

spam.jam

Nicki_Sue wrote: »

Another £6.64 moved into Isa today (set a reminder on my phone for every Friday "Virtul Pot" so I dont forget and let the weeks merge into one another!

if only i could remember to set the reminder....