Mooooving Into 2010 - Bovine Adventures In Budgeteering!

mooomin

Right, have done all of the competitions I had been saving - almost 30 of them :eek:

I haven't done anything else of much interest today as I'm still ill and using this as an excuse for laziness

I did open a savings account with Tesco today for 250 Clubcard points which, if I understand the theory correctly, will make £10 of reward vouchers. I think I can use these for cinema tickets to take Mr Fresian to the movies. Does anyone know how these work?

honeybear_2

flying_fresian wrote: »

I think I can use these for cinema tickets to take Mr Fresian to the movies. Does anyone know how these work?

Cinemas? Yeah, you hand over money for tickets then go through to a large darkened room with lots of seats inside. There's a big screen at the front on which you'll be able to see adverts, a few trailers then the movie you have chosen to see.

And, if you're a good fresian & living within your budget, you can buy popcorn to eat while you're there

:rotfl:

mooomin

honeybear wrote: »

Cinemas? Yeah, you hand over money for tickets then go through to a large darkened room with lots of seats inside. There's a big screen at the front on which you'll be able to see adverts, a few trailers then the movie you have chosen to see.

And, if you're a good fresian & living within your budget, you can buy popcorn to eat while you're there

:rotfl:

:rotfl::rotfl::rotfl::rotfl:

You clearly didn't see me and kissjen the last time we went to the movies - large handbags overflowing with sweets we brought ourselves. Cinema prices?? I think not!

mooomin

Shopping List

Bread
Milk
Tatties
Carrots
Stew veg (If still 50p in Morrisons)
Margarine
Cheese
Ham
Mushrooms
Onions
Ruskoline (?? Think that's it, the orange stuff you use to fry fish in anyway)

I need to start being more organised again with food, so that I can meal plan again. Meal plan to follow, I just wanted to post this so I can print it tomorrow at work

mooomin

Meal Plan 14th - 22nd September (23rd = Payday)

Monday - Chicken soup from freezer, cheese on toast
Tuesday - Chili
Wednesday - Oot and aboot with kissjen, no cooking for me!
Thursday - Potentially out for dinner before seeing Billy Connolly live
Friday - Sweet and sour chicken
Saturday - Large lump o'lamb. Make soup afterwards
Sunday - Fried lythe (Fish) with tatties and veg
Monday - Stew
Tuesday - Bolognaise, freeze leftovers

Intergalactic_Floozie

You will get a club card points statement every 3 months, I think the next one is due in November. You can then (online or over the phone) order a deal (ie the cinema tickets). Tesco will then send you paper vouchers for you to handover. Dead easy!

mooomin

Insurances:

Home insurance £16.48 per month. Hard to find someone who will insure us as we have lodger. Tesco home insurance will be £5 per month cheaper when lodger goes and we will get Accidental Damage cover which we're not allowed at the moment. Does charge damn near 22% interest for not paying all at once though. Urgh.

Life/Critical Illness £29ish per month. This is just for me and only covers my mortgage. I can get Life for £5 per month through Tesco (I have been on their website for ages!!) and get a £50 Tesco giftcard for taking it, making it £10 for the year in MSE terms. I have a lump sum benefit through work for critical illness anyway which costs me a couple of pounds per month so I think the mortgage benefit is overcharged and unnecessary. What do you think People Of The Internet? I think the policy I have also covers for redundancy, but doesn't pay out if it's voluntary.

I have free personal accident insurance through the Union and free travel insurance through my A&L current account so I don't think I need a lot of insuring to be honest.

kissjenn

Given your type of employment, life and illness cover are often standard parts of the contract especially if they offer a pension scheme. Have you checked to see if you have any? Maybe be very MSE and FREE :j

mooomin

I have death benefit of 4x current salary which would repay mortgage and leave Mr Fresian a lump sum to ease his grief (And he calls me morbid!)

I pay extra for Critical Illness through work but it's about £3 per month for me and pays more than I would need to repay mortgage. I get 6/8 months full pay for illness.

I'm thinking I don't need the mortgage cover but I'm scared to cancel :rotfl:

mooomin

Days until payday 10

Spends = £50
PAD = £41
Entertainment = £33.15 which will more than cover dinner on Thursday
Groceries = £105.38
Purse = Fluff and not much else

There are a couple of things to come off the accounts - Dominos (bad, bad, bad. Oh so tasty though!) and spends on cold cures. I will be going to the supermarket tomorrow as well. All in all though I'm lasting quite well.

I've done lots of quotes for home insurance etc which has been dull and not very profitable, so more on that tomorrow. Why won't places quote for flat insurance online??? I want my Quidco dagnammit!!