2009 New Years Resolution-MFW Diary

setmefree2

Tesco_points_addict wrote: »

What does everyone else do about joint accounts? We have individual current accounts then a joint account that we both pay into that all the household bills come out from. All our savings are in individual names but I know if huuby needs cash or vice versa we just move it from one to another.......actually that all sound ar*e over t*t but it suits us. I wouldn't want to take money out of our joint account to buy him a birthday pressy...but would be happy for him to transfer money from his account into mine if I was left short. Yep it's offical i'm nuts, I've read that back and its bonkers!

Hi TPA,

We pretty much do the same.....so we must be nuts too:D!

Well done on the Christmas presents - I haven't even given xmas a thought yet:o

with the AF (alcohol free) challenge!


Best Wishes

Smf2

SmlSave

Hi TPA

Me and DH do the same with the accounts even though he'd be happy for us just to have a joint one I like having my own account.

Am very impressed by your Xmas shopping :T I've only just got round to writing a list!

Good luck with the AF challenge, I think I may join you if thats ok?

How is your back feeling? I hope it is better. I've never tried a chiropractor but see a lady who does osteopathy and she sorts me out.

Tesco_points_addict

Okie dokie:

AF (Alcohol Free) members:

1. TPA
2. Sml


hmmmmm its a lonely place this AF challenge, either everyone else is already very good!

As for the who has strange banking habbits, it seems most of us do! Must be a Martin:money:thing!

I have finally sorted out my [STRIKE]spread sheet[/STRIKE] note book (sorry GG and Stuart) We are currently running at 60.11% of savings offset against the mortgage. So thats £978 we need to save per month (actually that figure is way out as it doesn't account for mortgage payments up til then!:rotfl:) Oh I wish my brain would work, lets round it up and say £650 per month should cover it (more than) to pay off by my 40th:eek: Sometimes I wonder how we have come this far with my mathimatical brain:rotfl:.

TPAx

OPs, forgot to say my back feels a lot better today, still stiff but not in the pain I was yesterday, I'm ok once I get going, its the getting going thats the problem!

Mortgage_Reduction_Novice

I'm game for the AF Challenge... but might have to tweak it slightly. I'm gonna do Monday-Saturday AF this week. I have friends coming for roast dinner and I'll be damned if I can't have a glass of sommat nice after cooking a roast for 6!

StuartGMC

Tesco_points_addict wrote: »

Okie dokie:

AF (Alcohol Free) members:

1. TPA
2. Sml


hmmmmm its a lonely place this AF challenge, either everyone else is already very good!

mmmm, well sat here with a pint of Directors in front of me just proves this challenge is far beyond me, but I'll try to limit to one pint when I do drink Mon-Thurs, and only have a beautiful Scottish single malt on two nights. However, don't count me in just yet, I'm in the middle of the budget planning for work for 2010 which is always stressful!

gallygirl

Tesco_points_addict wrote: »

Okie dokie:

AF (Alcohol Free) members:

1. TPA
2. Sml


hmmmmm its a lonely place this AF challenge, either everyone else is already very good!

Well done on your challenge, I'll drink to that

Hic. Can't see me joining just yet

setmefree2

Tesco_points_addict wrote: »

Okie dokie:

AF (Alcohol Free) members:

1. TPA
2. Sml


hmmmmm its a lonely place this AF challenge, either everyone else is already very good!

Hey I'll join - not that I drink that much. When did/does it start? Haven't had a drink since Saturday - so that's 2 AFDs.

Dinah93

No point me joining the challenge - I can count the number of glasses of wine or any alcohol I've had in the last 2 months on one hand.

We have a joint account and a bills account. Bills account is only in my name as its my graduate account and has the 0% overdraft. We have savers which are in mostly my name as I opened them, but both know all the log in details and have the ability to access any of them. No issue about money coming out the joint account for pressies, we tried keeping things seperate until we get married but it was more hassle than it was worth!

taka

Dinah93 wrote: »

No point me joining the challenge - I can count the number of glasses of wine or any alcohol I've had in the last 2 months on one hand.

Me neither! I don't think my last 6 weeks alcohol consumption is in double figures...

SmlSave

I was good and didn't have a drink yesterday even though there was all this free wine :T

Glad to hear your back's feeling better