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oi what you doing here

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  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    edited 9 August 2009 at 4:17PM
    well i think of pad as payment a day something i think ehallert concocted you know how she is (amazing person) ...it's where you transfer over part of the balance in one account to a bill...for instance say you have £9.57 in one account ...you would transfer over the 57p leaving the £9 but as it's payment a day maybe next day something else ...it is to get you to understand that all these wee things can make a difference in the long run ...very similar to lemon trees shopping saver thingymybob
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    talking of which i just transfered over £6.09 to the other account when that clears i will transfer it to the overdraft
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hi el - you sound like you've been super busy!

    That piccie of the bird was something else too!

    What's lemon tree's idea on the shopping saver -not read that one yet?
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • mizmir
    mizmir Posts: 3,710 Forumite
    Debt-free and Proud!

    What's lemon tree's idea on the shopping saver -not read that one yet?

    Lemon tree's shopping saver
    - a short post but a great idea!
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Since I generally shops at Mr As I tend to take those savings as gratefully reducing my shopping bill - which is still too high... not quite ready to save the savings literally LOL but well done to those that are!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Since I generally shops at Mr As I tend to take those savings as gratefully reducing my shopping bill - which is still too high... not quite ready to save the savings literally LOL but well done to those that are!


    i was thinking maybe save it up till i have enough for a weekend of debauchery and fun with the hubby in some secluded hotel near the sea ...ohhh a girl has gotta dream dont she
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    right am back at work ...managed to make it without meeting any kamakzi pigeons so that is a bonus ...

    have the car to take to the garage tomorrow and then a week of spending time with the husband ...he has decided on a astronomically gastronomy i was hoping for the economy version but he has spent the day looking out indian recipes and jotted loads down that he wants to try ...he loves cooking and i enjoy the results so i am looking forward to trying it... more than that i am looking forward to spending time with him ...
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    edited 10 August 2009 at 9:50PM
    hey all well went a bit better than i hoped in one sense and a bit more expensive in another so all in all that works out ok ...

    the car is gonna cost us £160 which is good considering the quote for was quite a bit more ...

    that however was ofsetted by the food spends £170 in costco and £40 in the asian supermarket....although i think i now have enough meat to last hubby a good long while i bought 2 chicken 2 steak mince 2 lamb mince 2 ribs 2 steak slices for hubby so that really should do him a while ...other than that it was washing powder i really have more than enough to last the rest of this year i am sure ...gonna add in some soda crystals (thanks bob) to eeek it out just that wee bit longer as well ...bought some butter ...we like lurpak and it costs over £5 a tub but i got it for £4 in costco ok it's only a pound but every little bit helps ...i also got some almonds and some dried fruit so was fairly impressed with what we got ...

    had lifted our holiday money to pay for this so whilst we technically had it we didnt have it as it was needed elsewhere ... so it is gonna be poland on a budget then .... we will get there and i felt it was more important to hubby's psychology to have the freezer full as he had been moaning about it ...wont have a need to go back for a while now especially as i no longer eat meat ...

    other than that not been up to much ...landed up going to bed for three hours after costco i was night shift last night and normally i stay up after my last one to get me back into the cycle of sleeping at the right time but the day that i stay up i usually sit around and do nothing as i am incapable of anything coherant ...merely thinking can be too much ...i then would go to my bed (at the normal time) and sleep for about 12 hours and would be good to go for the rest of the week ...today however once i had got everything done i needed to, my body just said el your sleeping or your puking take your pick ...so sleep it was lol ...gonna take a sleeping pill tonight so that i am not sitting staring at the ceiling at 4 am ..and hopefully normal service will resume tomorrow ...

    hope all is well with you all


    i wish i could find my thread on the os board ....booger
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    i slept not too bad considering i had the wee sleep last night

    have done my scratches for today made a whole 10p it's all money at the end of the day ...

    just gonna do my banking checking then maybe order my money for my holiday (maybe0 then go pick the car up and drop hubby off at the physio then i have the pleasure of going to the pictures going to go and see harry snotter in 3d .... it's the one day of the year i get to do what i want ...i asked hubby for a new shoulder but he says he doesnt have the money for it so it's the pictures for us then
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    found my missing thread ...it's been swallowed up by the 2009 grocery challenge on the os board ...how on earth that happened i have not got a clue
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