Frugal Fresian's 2010 Adventures

beanielou

Good idea on bed on 0% CC me thinks )

The_Golden_Goose

Loving the food parcels. Anything you don't want, send in my direction.

Esp cake.

Love the cake.

EssexHebridean

Thumbs up from here for the bed / 0% / possible bonus plan. All seems very sensible to me, with one exception - still pay off over the interest free period even if you DO get the bonus - no point in them having the money sooner than they need to when it isn't costing you anything to keep it for a while!

Silaqui

Hey have you seen this? http://forums.moneysavingexpert.com/showthread.html?t=2273889

Paint offer!

Oops sorry read it wrong, realised you've already got it!

mooomin

Hi all,

The Family Fresian are away (Thank the Gods) and life here is pretty much back to normal. The spare room is painted and looking a lot nicer, and the bed and carpet are on order. Mama Fresian ended up paying for the carpet as I just couldn't pay the full amount right now - was less than £150 in the end though as we didn't need the underlay which was the same price as the carpet! I just need to pay the fitter when they deliver the carpet, which is fine.

I've spent a lot of money this weekend, but it's not coming from the Frugal Challenge money as I knew this was coming and there is money set aside for it, either in the Debt Account or from my imaginary bonus.

I have another 4.5 hours of overtime to put through which I worked on Saturday which is good, I doubt there will be more for a while!

Hope everyone else has had a good weekend!

mooomin

Money Post

PAD = £45
Entertainment = £2.43
Groceries = £116.90
Purse = £20.91

Amount spent this weekend - Scary amounts :eek::D

Intergalactic_Floozie

FF - you know your PAD money is £45. Well, what do you do with it, how do you get it?

Is it that you get your wage and put £45 away, then literally pay a day, or am I missing something? xx

(need to start doing something similar meself)

#PS - well done on getting spare room sorted!

mooomin

Intergalactic_Floozie wrote: »

FF - you know your PAD money is £45. Well, what do you do with it, how do you get it?

On payday I put anything not accounted for by bills/food/entertainment into my PAD account. I used to have a spends account (Only account I have a card for) and just use that for cash then send money to the PAD account.

This way if I need cash I have to take it from the account I think of as PAD. I'm finding that this is stopping me from using as much cash, as I have to take £10 PAD money out of the account to enable me to withdraw from the cashmachine.

I'm only PADding £1-£2 per day at the moment in case I need cash, but will send the rest of the money the day before payday.

Does that make any sense? Sometimes I think us MSE folk over-complicate stuff!

Silaqui

lol FF I do the same with the pad stuff - my pads have to come from my spends money (which is currently not a lot) hence my recent loose change pads! It is overcomplicated but isn't that the MSE way - confuse yourself into not spending anything hehe.

x

mooomin

Total spend this weekend so far has been £357.84 (And that's with Papa Fresian's contribution to the bed!)

Good news - I have a job interview tomorrow morning at 8am. :eek: It's 11 miles away but I have calculated that because I need a bus, train and a walk that it will be about 1 hour 15 minutes I will need and that it will cost around £20 to get there :eek:

I think it might be cheaper to rent a car, so I'm checking this out now!