Laura's K.I.S.S DFW diary

mooomin

Happy Birthday!!!!

laura2481

laura2481 wrote: »

1. [strike]Sort out buildings and contents insurance[/strike] Done. Saving £192 per year:dance:
2. Cancel income protection insurance (don't even know what I'm covered for.. )
3. Close Halifax Credit Card account so continue to pay it of at lower rate.
4. [STRIKE]Over pay £100 off of HSBC credit card[/STRIKE] Done
5. [strike]transfer £40 from Barclays account to ING christmas savings.[/strike] Done. Also received £20 bonus for opening account. Total saved so far £125:j
6. [strike]Ring Virgin Media re. TV package. Why are we suddenly not able to get tv choice on demand after 18 months?!Grrr[/strike] Done. Seems we have been benefiting from an error for the last 18 months and we should never have had it! £7 extra per month if we want it. Think we'll probably leave it.:o OH not gonna be happy, has been watching the Sopranos, and West Wing and stuff on demand.
7. Find out poss. prices for a locksmith to improve locks on patio door (anti-lift & top and bottom locks)
8. Find batteries for camera and put couple of items on Ebay
9. [strike]Join Flylady thread[/strike] Done! Tidy house here I come! :rotfl:done
10. [STRIKE]Make doctor's appointment[/STRIKE]Done
11. Make dentist's appointment

Still got a few things to do from my list. Maybe I'll get some stuff done tomorrow. really need to cancel the Halifax card if nothing else so I don't get hit by the interest rate hike!

laura2481

Whoops- totally need to add 'fill in passport application' to my list or I'm not going anywhere this year!

laura2481

laura2481 wrote: »

I did a bad thing I just lost £10 on a bingo site (stupid stupid stupid) so now I'm going to have to spend month or so replacing the £10 doing the free scratchcards. I am banned from playing bingo. I can't be trusted, obviously!

Yay! I won my £10 back! Whoop whoop!:j
From tommorrow I am going to concentrate on building up my free scratchcard wins to £10 so I can withdraw the money.

I will not be tempted to spend any accumulated winnings on scratchcards or bingo.

That's it.. it's written down now. I have to do it. I have 4 free scratchcard memberships with various sites, so potentially can build up to £40. That's a months payment to my 'christmas savings' account, which would free that £40 to pay off something else. Best of all worlds.
To keep me on track I shall keep a note of my totals:

TAB=£1.61
Virgin= £1.61
Littlewoods= £1.55
Yahoo= £1.81
Total= £6.58

laura2481

Today BF abd I are taking a little trip to York, as it's usually nice to have a little walk around but not necessarily spend anything! well, there is always Poundland if the shopping urge is irresistible!

Swinstie73

Hi Laura.

Just found your thread and have subscribed. I've got one too but everyone else's are much more interesting! Will pop in for updates but you seem well ahead of the game anyway!

laura2481

Swinstie73 wrote: »

Hi Laura.

Just found your thread and have subscribed. I've got one too but everyone else's are much more interesting! Will pop in for updates but you seem well ahead of the game anyway!

I'm mostly talking nonsense over on our chat thread anyway

Just sold a book on Amazon, will get £38.64 for it :j:j
Must be strong and pay £30 off of a credit card rather than frittering it away.

So, as soon as it clears then I will transfer £30 to HSBC card. And maybe I will buy a bottle of wine with £8.

laura2481

Whoo hoo! :dance:
A letter came through from our gas company today saying they owed us £230. I gave them a ring 'cos it sounded a bit bizarre and it turns out they have been overcharging us for the last 3 years as it was mostly estimated bills, so they are refunding us £200!! :dance:

(ps. I may copy and paste this on other threads so I don't have to type it all again, lazy I know but how many different ways are there to say I'm getting some money?! Whoo hoo! :dance: )

laura2481

My simple plan update:

1. Keep a track of all my incomings and outgoings All spreadsheets up to date. Haven't needed my overdraft this month, or last month
   
   
2. Make at least one overpayment to a debt per month Overpayed HSBC credit card and BF this month
   
   
3. Always think 'do I NEED this, or WANT this?' before I buy anything. Have been slipping a little on this. Tending to 'waste' money on junk food. Haven't made any big purchases though... Thinking about getting a little notebook I can carry round with me so everytime I think I want something I can right down what is is and how much it costs then look around for a cheaper option: whether that is buying it online to get cashback or just finding a different shop which sells it cheaper or BOGOF or whatever.
   
   
   
4. Always look for a cheaper option. I do always look for a cheaper option Have saved a good amount on B&C insurance at the start of this month. :dance:

Since last week:

Free scratchcard totals:
TAB=£1.61
Virgin= £1.61
Littlewoods= £1.55
Yahoo= £1.81
Total= £6.58

Sold on Amazon: Text book= £38.64

Refund from EDF: £200!:j

Been quite a good month really.. I have stopped using the online spending diary, so I will start again from the 1st of May with that, so I can see where I'm frittering away my cash

laura2481

Free scratchcard totals:
TAB= 4p
Virgin= £3.31
Littlewoods= £2.85
Yahoo= £1.41
Total= £7.61

I am sooo bad at not gambling my winnings. MUST TRY HARDER!