What postive step have you taken today - 14/03?

PaleScene

It's awful isn't it - life's bad enough and then we make it tougher on ourselves :rolleyes:

Enjoy your quality time SS and good luck getting things done in the ebb and flow of changing priorities

CD_Man

My positive step today was to downgrade my Natwest Advantage Gold account to a normal current account saving me £10 a month - the banker (ha ha) tried to talk me out of it by showing the 'benefits' but I can find everything cheaper on the net!

£10 a month is £10 a month :0)

oops_a_daisy

just started on this website at the end of February - these are some of the changes I have made since then

last week I switched my contents and buildings insurance £130 per year saving

last week I ordered bank statements for the last 6 years from my bank so that I can claim back illegal charges

last week I fitted money saving bags to cisterns to save 1 gallon every time we flush a loo ( Im on a water meter )

today I have finally put in an expense claim for the last 6 months ( kept putting it off ) £2000 coming its way to me in 3 weeks time

this week I have switched my gas and electric £145 saving per year

this week completed the budget planner from this site so I know where I am and where I am going.

this week we have lived on a food budget of £45.00 - next week this will be cut to £35.00

tuesday this week packed in smoking - £4.58 saving per day

I (now) always switch off all electrical appliances at the plug so no paying for standby except for the fridge freezer

devils_nose

today I have chased my application for a 0% credit card to pay off the final payment on my car

called egg to increase the monthly payment on my loan (I will hopefully pay this off a year earlier now!!)

and got all my budget sheets up to date so I know what my budget profile is for the next 3 months

tiring work this becoming debt-free business

beanielou

Ive paid £100 off my Amex blue card as I had no council tax payment to make this month.
I would have really really liked to spend it but I have to be strong.
Its good to have the debt reducing.
I dont normally have any spare money to pay to my debt.

nabowla

Put £1.50 aside for an emergency bus fare in case I forget to renew my travelcard. Those who read the 'How much have I spent?' thread will have seen the fiasco that I had this morning trying to get to work. I forgot to renew my pass last night and one of the many unnecessary things I had to do was to spend money in Coop so that I had coins rather than a note to give the bus driver.

Not a huge change, I admit, but I wouldn't have thought of this a week ago (hence the drama today!!!).

louB_5

What a great thread!

Today, I made a meal plan to take me to payday ( 30th March) based on what we have left in freezer and cuboards. Allowing £10.00 for a fruit and veg shop on weekend.

I have put myself down for overtime for the next 3 Saturdays :eek: I'm regretting it already, but am trying to to think of the money!

I am also in process of writing a letter to close my barclays bank account- and chq to clear balance ( funded from previous o/time shifts!) I shall hand these in tomorrow!

roversbabe

Great thread - I've made some flapjacks, banana bread and scones so I don't spend any dosh on snacky stuff at work. Its my turn to take the goodies in tomorrow so instead of buying biccies and cakes, I've made them using stuff in the cupboard - no spend.

Result!

margaretclare

Hi, and happy St Patrick's Day!

Well, I haven't taken any positive steps today (yet) apart from checking all my accounts. MY FP stakeholder is looking nice and healthy now the FTSE is going up again.

But my DH got his 4-weekly pension payment into his account this morning. And as he had nearly £200 left from the last 4 weeks, he's transferred £200 into his e-ISA. He told me with amazement: 'there's over £1600 in there now!' And he only opened that ISA on 5th August last.

If that isn't motivation I don't know what is - if a pensioner can do that then so could a lot of other people.

Aunty Margaret

snoozer

Finally (after about 8 weeks)nagged OH into calling Sky to cancel the multiroom sub which we never us, saving another £10 per month. It wasn't that he didn't think it was a good idea he just takes forever to get round to things. Does anyone else find it as frustrating as me to have joint responsibility for paying all the bills but then not be able to talk to people about them because its his name on tha account :mad: