2009 New Years Resolution-MFW Diary

Tesco_points_addict

Ok, It's offical.....I'm carp when it comes to saving in February:mad:

Spent £16.15 today:eek:

£10 on a lottery ticket (although it does cover the next 5 weeks-and it is in budget planner)....excuses excuses
£6.15 on rediculous food items that we did not need but as it was snowing I felt compelled to go to the local shop and buy some lovely comfort food:rolleyes:

I did manag eto open a bank account yesterday via Quidco for £50 cashback and 6% fixed on savings (only up to £2,500 though:mad: )for the next year.

Overall I got one fixed at 5% one at 6.5% and this one also at 6.5%, they all have fairly small savings limits/x amount per month but still worth it, just need to decide how to split the money up now for best return...and right down the dates that the fixed rates end, I'm going to need a big writting pad...(ah loves stationery..hates excel!:rotfl: )

Tesco_points_addict

:mad: :mad: Should have known, Tracker mortgage interest rates down by 0.5% , Tesco savings rate down by 1.01%:mad: :mad:

Ever feel like your fighting a losing battle?

Tesco_points_addict

BIG Spend day today!! £35 for dog hotel (AKA kennels..but he thinks he's on holiday!)..he's male...easily confused:p

Also went to Greggs for lunch...what is the matter with me this week

Off to London tomorrow, all paid for but bound to be something I just cannot resist:rolleyes:

Forgot to ring Barclays to reduce my monthly mortgage payments further to interst rate reduction...i'm a plonker:mad:

When I return from my w/e away I will

1. Make phone call to Barclays as mentioned above
2. Give myself a good talking to re pointless spending
3. Ensure I have lunches sorted for next week
4. Check all payments have gone through to new savings accounts
5. Double check % rates of said savings
6. Sort out food in freezer..still not sure what/how much is in there
7. Collect dog from kennels:rotfl:

Hope your all doing ok in these cold snowy conditions

TPAx

Tesco_points_addict

I'm back!!

Well other than the already pre spent dog hotel £33+ and train £112:eek: , we spent a massive £15 whilst away...Im getting there, where there is I don't know...but I'm on my way lol

How was everyones cold weekend?

TPAx

setmefree2

Tesco_points_addict wrote: »

How was everyones cold weekend?

TPAx

It was a good weekend for me. Too cold for any football for our kids - so got to do things for me - bliss:D

Tesco_points_addict

setmefree2 wrote: »

It was a good weekend for me. Too cold for any football for our kids - so got to do things for me - bliss:D

Aww self time..priceless:T

I am going to have a NSD today...got the day off work and i'm determind not to step over the doorstep so no way I can spend...aw I could cyber spend..but I WILL NOT, new matra...TPA will not spend, TPA will not spend, TPA will not spend....now all I need is for you all to chant this at least 8 hours a day and it should work!!:rotfl:

I'm have terrible problems with my Tesco savings account, I really need to make a switch of part of the savings into a higher interest rate account, but they seem to have got my(our) money and thats it....no way to withdraw or transfer money:mad:

TPAx

Tesco_points_addict

Tesco_points_addict wrote: »

I am going to have a NSD today...got the day off work and i'm determind not to step over the doorstep so no way I can spend...aw I could cyber spend..but I WILL NOT, new matra...TPA will not spend, TPA will not spend, TPA will not spend....now all I need is for you all to chant this at least 8 hours a day and it should work!!:rotfl:

TPAx

Ok admit it, who didn't chant the mantra?? Cyber spending got to me, although it was money I had in my paypal account..so it doesn't count..right

TPAx

gallygirl

Tesco_points_addict wrote: »

Ok admit it, who didn't chant the mantra?? Cyber spending got to me, although it was money I had in my paypal account..so it doesn't count..right

TPAx

:eek: That was MORTGAGE money :eek:

PS what did you buy

Tesco_points_addict

gallygirl wrote: »

:eek: That was MORTGAGE money :eek:

PS what did you buy

Knickers! No not knickers to you, thats what I bought:p

You have made me feel guilty now, yes it could have been mortgage money, thank you I needed a reminder why I started all this.:A

I will not spend tomorrow, Wednesday or Thursday to make up for it..oh sod it I won't spend any more this week except for an essential supermarket trip.

Really gallygirl, I did need that boot up the bum, thank you xx

TPAx

Tesco_points_addict

Yeh a good day at last:T

NSD and i'm just about to go off and earn myself some extra money doing my 'extra job'.:j

Have to take my mother out shopping tomorrow..but I WILL be a good girl and only buy essential grocerys. Doing quite well on that front actually as last weeks shop was done on the Saturday before last so it has lastest a week and half!!

TPAx