oi what you doing here

elantan

yeah it was from L&G well its only £12.03 so nothing to miss really ...but it will pay you more money in the long run so i have no doubt youve done the right thing ...

right with hubby having just that wee bit extra and hubby not helping his friend out anymore (so he feels he is back to having to ask me for money all the time) hubby and i were talking about possibly having pocket money each ...i said yes we can if we earn a wee bit extra per month ...so wage slip came in and we have £60 extra so we are foing to split it three ways £20 for the overdraft and £20 each for us ...think that is fair ...

so in a way i am joining hypno's £20 challenge ...i have £20 i am not going to spend it on rubbish i am going to buy myself something i really want with it ...

questions i plan on asking myself are
1) do i want it
2) do i need it
3) will it enhance my life
4) can i get it elsewhere for free (library for instance)
5) can i justify it

wow that's on hell of alot of responsibility for one £20 ...will see how long it lasts

hypno06

I think that is a really really good way of doing it - and the overdraft gets to be reduced at the same time!!

I think that the £12 is not bad at all really - remember, it is for only 6 months, so it is giving you a return, at least! It all adds up :T

elantan

yeah i am not complaining every bit helps ...

elantan

right have went and did the wee bit of shopping and paid into the account the £12.03 now while i was shopping i managed to save £2.78 so was gonna put it towards the overdraft ...but you know i really like the full idea of lemon tree i think i might just pop it into another account and have a treat with it ...ok it will take me a long time to save anything near enough towards anything but it will start the process for me ...if at a later date i decide i need to use it to pay off the overdraft i can ...but i think for now i will transfer to another account ..

have drawn my squares now just need to get a way that i can colour them in quickly lol

elantan

http://drbenkim.com/the-story-of-stuff.htm saw this thought some of you might like it ...nothing really new in it but it is nice to remember t he cycle sometimes ...and as i have £20 to spend on a treat it was good timing for me to see it

elantan

hubby made an amazing indian so spicy yet tasty dont think i need to send him on indian cookery classes now he is doing great on his own ...yum yum

The_Dragon

elantan wrote: »

hubby made an amazing indian so spicy yet tasty dont think i need to send him on indian cookery classes now he is doing great on his own ...yum yum

Oh good! that is some more money saved then , the good thing about Indian food is that is can really be stretched as well with rice/naans etc!

elantan

thats exactly what we did dragon ...i think we should get another two meals out of whats left as well ...wonder if i can freeze it ...it wasnt cheap to make i have to admit but i spose by the time i divide it by 4 (meals) it wont be that expensive ...much cheaper than the shop anyway ...and nicer if i may say so...how are you ?

The_Dragon

elantan wrote: »

thats exactly what we did dragon ...i think we should get another two meals out of whats left as well ...wonder if i can freeze it ...it wasnt cheap to make i have to admit but i spose by the time i divide it by 4 (meals) it wont be that expensive ...much cheaper than the shop anyway ...and nicer if i may say so...how are you ?

I've got mumps :mad:, makes eating and drinking interesting to say the least! I can only swallow down the right hand side of my throat :rolleyes:

elantan

your just not having much luck mrs ...i aint popping down for the mumps its getting too close to my hols now lol ...have you got anything for it ?