Hypno's approach to life, the universe and debtbusting.....

Money_Fritter

Hi Hypno,

Just cathing up with the last few pages of your thread as I was back home for the weekend at my parents. I noticed you went to see boyzone.
I treated my girlfriend as a surprise a couple of months ago, as she loves them.

Now I know blokes are not meant to admit to this, but it was very good. It was one of the best concerts I have been to in ages. And like you said the queen bit was great. I am a big queen fan and I thought it was really good.

Money Fritter

taxi73

Morning Hypno and all...just popping by for a catch up.
Your garden sounds as though it's really coming on Hypno and Karmacats bathroom is coming on as well...makes you feel loads better when things are nice in and around the home.
Shaun great news on babies lie in.
Hi to everyone else.....
I'm using aversion tactics so as not to do paperwork..lol

hypno06

MF - the blokes at the races were thoroughly enjoying the boyzone experience too......nothing to be ashamed of

I have just been to the school uniform shop......needless to say, I have only bought one sweater and one PE shirt because logo'd stuff is a rip off when you compare it to Tesco, or even M&S!!!

Thankfully, because DD is going into year 11, they don't insist on the logo'd uniform, as long as they are in regulation colours, presumably because they are only there for 2 terms and they acknowledge it is costly to kit out for such a short space of time, so I have saved there.

But I do begrudge paying £21 for something I could get in Tesco for £3 :mad:

Oh well - it's a couple of things crossed off the list for now - still need trousers and shoes....oh, and new football boots.....and.....:rolleyes:

elantan

i remember those days well hypno glad to say i dont get them anymore phew

gallygirl

Karmacat wrote: »

I like the names of accounts thing too! I think I might check to see if any of my lot do that. (Ing D, cahoot, A&L.... there's also a tiny account with Egg for some reason).

Karma & all, Egg have the best savings account at the mo, open on line & you choose what to call it :j. 3.25%, instant access, I have opened 2, it doesn't say if a limit.

taxi73

School uniforms..glad I've not had to buy them for years.DGS starts school this year so guess I'll end up paying for some of his though.He also has logo'd stuff including his coat.

yummymommy

Yep, the dreaded school uniform ! I have two lots to buy.:eek:

Luckily only the cardigans and ties are specialist the rest come from Asda !

Karmacat

gallygirl wrote: »

Karma & all, Egg have the best savings account at the mo, open on line & you choose what to call it :j. 3.25%, instant access, I have opened 2, it doesn't say if a limit.

Ooh, thats good! I was thinking of closing it down (its something like £26) but if its useful, I might well go for it. It can be my Egyptian holiday fund ..... :j

taka

Karmacat wrote: »

Ooh, thats good! I was thinking of closing it down (its something like £26) but if its useful, I might well go for it. It can be my Egyptian holiday fund ..... :j

KC - You should check which one you have as there are different ones - you'll probably need to open a different one to get the new 3.25% rate as its for "new money" only. (Just move the money into it via another bank )

I think I'm quite sad - I have a spreadsheet for the year with a running total for all my different catagories: food, birthdays, Xmas, clothes, shoes, gas, elec, spends (my everything else fund :rotfl:), entertainment, doctor/dentist, hairdressers, broadband, phone etc - everything I count towards my 4k a year challenge on DFW. I essentually wrote an SOA / budget and made an educated guestimate of how much each catagory would cost me over the year and divided the cost by 12. I keep a record of what I spend (or at least where anyway) and have done for the last few years so had a decent starting point for each catagory.

I transfer in the appropriate monthly amount for stuff that aren't on Direct debits (or food or entertainment) to a savings account attached to my current account and my spreadsheet tells me the running total this should have in it. Some catagories are in credit like my birthdays fund but things like spends are way ahead of where they should be at this point - £48.xx left for the year! :eek: :rotfl:

I also opened a regular saver account in November last year to mature in time for Xmas and to start building up a (kitchen) white goods replacement fund as some are getting a wee bit elderly now and I don't want to take out money from my ISA to pay for things like that if I can avoid it.

My named savings accounts (over several banks) are called
4k challenge - the account I mentioned above
Holidays
Bathroom fund - I'm almost at target :j
Smile - As I'm a MFW and no longer have any debts other than my mortgage I put some of my money made from surveys/£2 fund etc (~£280 this year so far) into a separate account and I'm "allowed" to be silly with this money and spend on things I want rather than need. Last year I bought an MP3/4 player so I can watch BBC iplayer downloads and listen to music/radio on the bus (its a 45 min journey each way to/from work). With the money saved since then I've just bought a fab little netbook that I think I'm in love with! :rotfl:

PS - Nationwide savings accounts (which are poo interest rates) can also be renamed but you can't have too many of them I think...

Karmacat

Taka, I am *seriously* impressed. I don't think I really *want* to open another account, or keep a solo one - I have two savings accounts in 3 places, and two solo savings accounts in 2 more places, 8 in all, egg being one of the eight. I keep thinking of all the financial work my sister had to do when her husband died.... and she's my executor, so she'd have it all to do again if something happened to me. I want to simplify as much as I can, basically, so I'm much more likely to close a few than open a few (or even one....). But naming them is a really good idea, I do like it. I kind of categorise mine in my head, but don't name them. I think I will now ... watch this space!

In other dfw stuff, I just did a really complicated telephone m/shop, that required quite a bit of acting. I have no idea if I've done enough to get paid - cos as well as acting sort of crazy, it also needed you to be very particular about what you told them, and I don't think I paid quite enough attention to that side of things :rotfl::rotfl:mind you, I often feel that way - "they're never going to pay me for that piece of junk!". And they always have...