My Can i do it? Yes i can savings diary

cocalls

Told the OH that we'd only have to save £360/mth from now on and he's still not happy says he's totally skint. Need to think up some money making ideas and quick!

cocalls

the yorkshire building soc has just reduced their interest to 2.75% boo
DOnt have much to update till fri when OH gets paid.

cocalls

Just been to Nettos in an effort to be super furgal with the food budget and bought tin of corned beef, (to make cottage pie) tin of salmon (to make fish cakes)and tin of pilchards(to make pilchard spagetti) all for the princely sum of £1.89

cocalls

Interest has been added so total up to 1875.74 woooooooooooooooooooo

cocalls

oh well on my own again.......not very chatty you lot!

Got a tea loaf in the oven (using raisens stewed in left over tea, flour, sugar & egg-v money saving!)
Atlantic who we're with for our leccy & gas say that their rates are going to go down nxt month which is smart!I think i need to do a SOA again as so much has changed-some things going down eg mort, gas/leccy etc & some going up council tax, water, trains!!!!!

We're going on our hols to scotland in aug with about 6 others and ive been given the job of finding somewhere to stay which is a mare and ive got no ready money to pay for the deposit so it'll have to go on the CC booo haven't used it in yonks will have to blow the cobwebs off it or failing that defrost it depending whether or not i got round to freezing it in the freezer!

tara747

** lurks **

fullstop

cocalls wrote: »

oh well on my own again.......not very chatty you lot!

Got a tea loaf in the oven (using raisens stewed in left over tea, flour, sugar & egg-v money saving!)
Atlantic who we're with for our leccy & gas say that their rates are going to go down nxt month which is smart!I think i need to do a SOA again as so much has changed-some things going down eg mort, gas/leccy etc & some going up council tax, water, trains!!!!!

We're going on our hols to scotland in aug with about 6 others and ive been given the job of finding somewhere to stay which is a mare and ive got no ready money to pay for the deposit so it'll have to go on the CC booo haven't used it in yonks will have to blow the cobwebs off it or failing that defrost it depending whether or not i got round to freezing it in the freezer!

Cocalls : If you pay the CC in full before payment date you will be OK.

cocalls

tara747 wrote: »

** lurks **

:hello: hello to all the lurkers!

cocalls

fullstop wrote: »

Cocalls : If you pay the CC in full before payment date you will be OK.

Thanks Fullstop i have a terrible habit tho of lending people money and it not coming back to me. I loaned my mum £500 from my stsudent loan and she's gone bankrupt so no chance of that back, i lent my dad some money just before xmas as his business failed and he's now on JSA so had to buy reduced xmas pressies-he's paying me back v slowly, the friend that still owes £60, ive taken out 2 cc's for my sis,she pays me back plus interest but v slowly and its still my debt i suppose,(plus it might mean we get a reduced mort due to this debt) other sis finally paid me back for grans xmas pressie yest etc IT HAS TO STOP!!! No more will they use me as a bank!
I am trying to save for the first time in my life-i've actually not told my family that im doing this challenge as i know they'll ask to borrow it!!!
Anyway back to the CC i wil have to be really strict and make sure everyone pays me before the interest free period is up i must be strong and organised on this!!!

cloud_dog

cocalls, for heavens sake get some sleep, have a lie in :eek:

Do enjoy your diary, keep up the good work.

cocalls wrote: »

Anyway back to the CC i wil have to be really strict and make sure everyone pays me before the interest free period is up i must be strong and organised on this!!!

Whilst I would never encourage people to buy on credit, have you considered a 0% card for your holiday? You could then phase the repayment and also allow sufficient time for the other holiday makers to repay you etc.

Halifax do one for 9 months 0% interest:
http://www.halifax.co.uk/creditcards/allinone_ros.asp

As I said I would never usually encourage people to buy on credit but maybe you could use this just to arrange / purchase your holiday and provide you with sifficient breathing space for everyone else to repay you.

cloud_dog