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

laura2481

flying_fresian wrote: »

Could you move to Alliance and Leicester for the £100 cashback?

I could but i'm looking at applying for another 0% CC shortly and I don't really want any unneccsary credit searches on my record. Barclays is already in place as I haven't got round to closing since I swapped to halifax about 2 years ago, so everything is in place for a smooth swap. I could look at swapping to A&L later.. assuming they are still doing the deal
Ironically it was a similar deal with Halifax which tempted me to swap.. look how that worked out Grass aint always greener and all that.

laura2481

Ticker update

Primula

Hiya
Your ticker is looking good Laura!
That's a nice legacy for your OH from his grandad and good he's going to put it to good use on windows, I think that's really nice. It's always worth getting a quote from a joiner too (even a small firm) for doing windows - they are often cheaper than the big window companies.
P

laura2481

Primula wrote: »

Hiya
Your ticker is looking good Laura!
That's a nice legacy for your OH from his grandad and good he's going to put it to good use on windows, I think that's really nice. It's always worth getting a quote from a joiner too (even a small firm) for doing windows - they are often cheaper than the big window companies.
P

Thanks primula

It was a nice amount. It turned out that OH's grandfather had been very frugal and had managed to save approx £150,000! (divided between 2 children,and grandchildren) and had house to sell too so OH's dad and auntie have ended up with approx £100,000 each, and all grandchildren with £5k and great-grandchildren with £1000. It was quite amazing. No-one had any idea he had that much.

It was quite sad because at the end they were worrying about him having to go into a home and how much it was going to cost and he said ' here, take this card and get some money' and OH's auntie said- 'how much is in there?' and he said '20' so she said '£20 won't go very far (he was a bit confused..) but he said 'No... £20,000!'

We are going to look at a few places.. I'd like to get started ASAP as it would be nice to have new windows before it gets very cold!

Primula

laura2481 wrote: »

Thanks primula

It was a nice amount. It turned out that OH's grandfather had been very frugal and had managed to save approx £150,000! (divided between 2 children,and grandchildren) and had house to sell too so OH's dad and auntie have ended up with approx £100,000 each, and all grandchildren with £5k and great-grandchildren with £1000. It was quite amazing. No-one had any idea he had that much.

It was quite sad because at the end they were worrying about him having to go into a home and how much it was going to cost and he said ' here, take this card and get some money' and OH's auntie said- 'how much is in there?' and he said '20' so she said '£20 won't go very far (he was a bit confused..) but he said 'No... £20,000!'

We are going to look at a few places.. I'd like to get started ASAP as it would be nice to have new windows before it gets very cold!

OMG, that really is amazing.

laura2481

I know! I think OH dad will be considering retiring a bit early. It will really have made a difference. I guess OH's grandad must have been the very embodiment of MSE!

laura2481

Well- I've gone and got myself in a small pickle again by overspending (only a small one. It's probably more of a chutney than a pickle...):rotfl:

Anyways, in order to go into my overdraft as little as possible at the end of the month I am going to have to go back to being super strict with myself.

So as of now I have £25 cash in my purse and that is it. No more cash for the rest of the month. This equates to £1.13 per day as I don't get paid until the second of November!

So- from today- I will write down all my spending here.

I have a pass for train and bus so should need to spend very little on travel.

Money is set aside in our joint account for food so I shall have to make sure I take something from home for lunches.

If I desperately need some clothes (which I shouldn't because I have bought loads of stuff recently :rolleyes:) I have £40 worth of vouchers I can use in place like New Look/Dorothy Perkins/ River Island etc so would be able to get something if absolutely seriously necessary.

I have a £10 Lush voucher left over from by birthday (April!!) which I just found (I had completely forgotten about it!) so if I feel like I want something 'nice' to cheer me up then I can use that..

And if all else absolutely fails I have £4 in £2 coins I was going to put in my terramundi and a scratchcard to cash in for £1, giving me a possible £5 extra!

I may have a good hard think about selling a couple of things on Ebay too...

Oooh, and TCB has £20 ready to pay out if absolutely necessary but I would much rather use that to clear the little bit of overdraft spendage than spend it...

Actually... I think I'll be fine.

What I may do as well is use Spendingdiary.com so I can see where I'm wasting my money! :rotfl:

mooomin

Come join us here!

laura2481

flying_fresian wrote: »

Come join us here!

thank you - I shall... although it does sound like you're recruiting for a cult! 'Join Us!' :rotfl:

laura2481

...£25 still available to spend...