Hypno's "no more boom or bust" diary

savingholmes

hypno06 wrote: »

I consider ours to all be joint - we have been together since I was 15, have both always worked full time, and have both benefitted from each other's income and from the spending.....

So all our debts/mortgage/income is considered "ours".

I earn twice what OH does, but he works more hours than I do - so it would be unfair to divide things by who earns what, who spends what, and who owes what.

But I know that we are in the minority!

We consider everything as joint too

se999 wrote: »

Good morning,

On the credit card paying off discussion. Why not put the money you would pay off in an ISA or savings account, then if you can't get a 0% when the current offer finishes you just pay it off, then you can keep it in the account getting interest until 0% deals finish or until the minimum monthly repayments have cleared the balance. I know the interest rates on savings aren't brilliant, but it's all money.

I know there's motivation in clearing debt's, but if you can offset it with savings and can repay at any point, it's not really a debt anymore.

I stooze until my 0% is up - but this year I then had to use it to live on while out of work.... still better than borrowing money at high interest rates. I still paid off debt on top!

On the house - you think they'd realise that they could get so much more for the property if they vamped it up a bit! I think the bedrooms are too small - not sure it would fit my superking bed in!

Well thanks hypno - on BB I just got my fiver back this morning. So any money from here on in is profit. Signed up husband too tonight and he won £10 on his 5th game so withdrawn that - so now £5 up on his too!

Now I need to try and give kingjp a go - they seem to have disappeared off quidco tho???

hypno06

yes it appears they have gone from quidco, sadly.

But if you want to pm one of the guys who are already signed up, with your email addy, they can refer you instead!

savingholmes

I've pm'd DT as she(?) sent me instructions earlier in the week! Just signed OH up to v to in the hope of free scratchcard winnings - did it via quidco so will get original stake back... Didn't win anything tho - other than 50p on the free daily scratchcard

EssexHebridean

Rainy wrote: »

Ooh lovely, bags of potential and a roof terrace :j and pantry :j (I get excited about little things like that! :rotfl:)

If I had to come up with a "favourite thing" about the flat we live in, it would be the original 1950's larder in the kitchen, complete with tiled shelf and floor - so I understand totally where you're coming from!

Double_Trouble

savingholmes wrote: »

I've pm'd DT as she(?) sent me instructions earlier in the week! Just signed OH up to v to in the hope of free scratchcard winnings - did it via quidco so will get original stake back... Didn't win anything tho - other than 50p on the free daily scratchcard

Definitely she :rotfl::rotfl::rotfl::rotfl::rotfl:

Good luck on the bingo

DTxx

shaun40400

i was going to wrte about how sad i felt for the toad this afternoon,,,{see my dairy}
then i went to see what the new additions were to the site and saw a post by martin
:eek::eek::eek::eek:
28-10-2009, 3:10 PM #10 MSE Martin
Money Saving Expert
Fantastically Fervent MoneySaving Super Fan




Join Date: Jan 2001
Post Count: 6,756
Thanked 34,617 Times in 4,396 Posts


the poor man only gets to post on his own forum about once a week:o:rolleyes:

hypno06

I have withdrawn £44 from bingo today, so I'm more than happy with that.....and have set up a couple of casino reload things for the weekend which should give me a profit of £36 sometime next week.......all good stuff

macgirl

OK Master, I think we might be ready for the next initiation...
What's a Casino reload? Do you need to know how to play blackjack or is it simple?

Well done on the bingo winnings :T

savingholmes

hi hypno - what are these casino reload things - am I ignoring emails from these companies I shouldn't be LOL?

DT I was pretty sure it was she - but then I had that moment of doubt in case I got it wrong EEK LOL

Double_Trouble

macgirl wrote: »

OK Master, I think we might be ready for the next initiation...
What's a Casino reload? Do you need to know how to play blackjack or is it simple?

Well done on the bingo winnings :T

Yep I would like a casino masterclass too - you really need to get these weekend courses set up

DTxx