TPAs It started off as a 2009 NYR - time moves on - I need to be MF by mid. 2012!

evab_2

Ooh love the new diary, continued success this year x

My brother is in the forces too and just looking to buy a place in England, but he's been picky and has now missed the stamp duty relief!

Good luck with alcohol free days!

mark5

Those bridge fees are steep!

cake21

Tesco_points_addict wrote: »

Bridge Fees 96.80

Forgot to include these in my budget (live in Wales, work in England) :o:o Thanks for another timely reminder :T
Can't think of anything *you've* missed :rotfl:, good luck with it all!

chirpchirp

LOL - TPA what are your bridge fees?

I must be having a very dense day as when I first read it I thought it was membership of some card club where you play bridge. Then I read Cake's post and realised that I was being rather stupid:rotfl:

weezl74

Tesco_points_addict wrote: »

Personal spends:

£900 for the year 2010 each (£75 per month) Not sure how i'm going to keep control of hubbies spends:rolleyes:

Hi TPA,

we've been looking at ways to keep our personal spends on track and also to give ourselves some financial privacy (ie when one of us wants to buy the other a surprise present).

We're thinking of a pre-paid top up debit card thingie, like paypal offer here.

You could each have one, and set up a standing order for £75 a month onto it. Then when it's gone it's gone- easy budget management! simples

Tesco_points_addict

mark5 wrote: »

Those bridge fees are steep!

Tell me about it, I feel sick each time I see the DD come out of the account!

Forgot to include these in my budget (live in Wales, work in England) :o:o Thanks for another timely reminder :T

Cake, how on earth could you forget those!! Doesn't it grate every time you cross or whenever the DD comes out of your account? Aw, i've just thought, we could be neighbours, working for the same firm! lol

LOL - TPA what are your bridge fees?

chirpchirp you made me laugh, I supose if you don't have to pay to cross these great big metal things you might think I was playing cards:rotfl:

You could each have one, and set up a standing order for £75 a month onto it. Then when it's gone it's gone- easy budget management! simples

Oh no weezl I cannot get that out of my head now! Simples, simples, simples!!:rotfl:
It is a great idea though, will def. look into it.

My other boots arrived today (the ones I bought from my Christmas money) they are faulty too!! :mad: OMG I am just not destined to have any, thats two pairs ordered and had to be returned, oh well at least I got my new Kipling bag which I love:D. I will have the money refunded for the boots and unless I find a pair that are an absolute bargain I will manage with what I've already got (5 year old ones, but they don't have holes, so they will do!!:rotfl:)

Have had a sort out of coats today - husband is a 'coataholic', the coat hanger was getting so full it was vertually impossible to open the front door fully! I have managed to cull them by half! The 'spares' are currently on the spare bed waiting to be put in those sealable squashy bag things that only take up half the room:rolleyes:. (Have tried to get him to send them to the charity shop but he's having none of it!):mad:

Must go and do some 'dysoning' now I know it doesn't take up too much electricity...thats for that whoever worked it out, It was going to be my excuse for 'dysoning' only once a month!:p

TPAx

TPAx

cake21

Tesco_points_addict wrote: »

Cake, how on earth could you forget those!! Doesn't it grate every time you cross or whenever the DD comes out of your account?

I have no idea how I forgot, used to be obsessed with making sure I had £5.40 in loose change :rotfl: Never used to grate because I only pay going home at the end of the week, and I didn't realise it was so much of the budget until today :doh:(guess you're going every day, ouch! :eek:)

Tesco_points_addict wrote: »

Aw, i've just thought, we could be neighbours, working for the same firm! lol

That would be freaky! But we're definitely not neighbours because you're on the edge and I'm in Wales proper ;)

Tesco_points_addict

OK, i've done the Dysoning...well downstairs anyway!:p

Hubbys in work and i'm still in my PJs!:D

Hmm, what should I do next? Dyson upstairs:cool:? Tidy up spare room:mad:? Get dressed:rolleyes:? Make a cuppa?:D

TPAx

Yep the cuppa wins!!:rotfl:

Tesco_points_addict

OK, am looking for a new home for our regular saver (8%) /ISA that is due to end soon (this is me n=being productive whilst still in my PJs at 15:22 and drinking tea whilst slobbing out on the sofa). I have seen this on the main pages:

Bank of Cyprus, 3.33% AER. Important! Not protected by UK safety scheme

The highest rate is with the Bank of Cyprus Cash ISA Bond, paying 3.33% AER on amounts above £1 in this telephone or post account. Transfers in from previous years’ ISAs are allowed within 6 weeks of opening the account, plus you can withdraw money, although you will be charged 180 days worth of interest.

Importantly, the account is NOT protected by the UK scheme but the Cypriot scheme, which covers covers the first €100,000 (c. £90,000). See the foreign banks section of the Are Your Savings Safe? guide.

Quick Stats. Rate: 3.33% fixed AER. Min. Deposit: £1. Allows transfers from previous years' ISAs?: Yes Access: Phone/Post

What do you think? Is it risky or not?

TPAx

EDIT: I am putting in the chart below as it's one of those things I keep meaning to check and never do, if its on my thread I will HAVE to check!

Which savings providers count as one financial institution?

AA (1)
Aldermore (14)
Alliance & Leicester
Abbey (2)
AK Bank (P)
Allied Irish
Anglo Irish (P)
Asda (2)
Bank of Cyprus (P)
Bank of Ireland (4) (P)
Bank of Scotland (1)
Barclays (10)
Barnsley BS (12) (See note)
Birmingham Midshires (1)
BMW Savings (5)
Bradford & Bingley (2)
Britannia(See note)
Buckinghamshire BS
Cheltenham & Gloucester (6)
Cahoot (2)
Cambridge BS
Capital One/Castle Money (13)
Cater Allen
Chelsea BS
Chesham BS
Cheshire BS (See Note)
Citibank
Close Brothers
Clydesdale Bank (7)
Coutts
Coventry BS
Credit Unions (all separate)
Cumberland BS
Derbyshire BS (15) (See Note)
Direct Line (8)
Dunbar Bank
Dunfermline BS (15) (See Note)
Ecology BS
Egg
First Direct (9)
First Trust
Firstsave
Furness BS
Halifax(1)
Hanley BS
Harpenden BS
Heritable Bank (11)
Hinkley and Rugby BS
HSBC (9)
Icesave (P)
ICICI
ING Direct (11) (P)
Intelligent Finance (1)
Investec
Ipswich BS
Julian Hodge Bank
Kaupthing Edge (11) (P)
Kent Reliance BS
Leeds BS
Leek BS
Liverpool Victoria
Lloyds TSB (6)
London Scottish Bank
Loughborough BS
Marks and Spencer
Manchester BS
Mansfield BS
Market Harborough BS
Marsden BS
Melton Mowbray BS
Monmouthshire BS
Norwich & Peterborough BS
National Counties BS
Nationwide (15) (See Note)
Natwest (separate to RBS)
Newbury BS
Newcastle BS (5)
Northern Bank
Nottingham BS
Post Office (4) (P)
Principality BS
Progressive BS
Raphael Bank
Rothschild
Royal Bank of Scotland (8)
Ruffler Bank (14)
Saffron BS
Saga (1)
Sainsburys
Scarb'gh BS (13) (See note)
Scottish BS
Scottish Widows Bank
Skipton BS (13) (See note)
Smile (3) (See note)
Standard Life
Stroud & Swindon BS
Teachers BS
Tesco
The Co-op (3) (See note)
Triodos (P)
Ulster Bank
United Trust
Virgin Money (8)
West Bromwich
Whiteaway Laidlaw
Woolwich (10)
Yorkshire Bank (7)
Yorkshire BS (12) (See note)

This table was compiled by checking the FSA registration number of each bank on their websites, and is based on the FSCS definition that each independently registered institution receives the £50,000 protection. If an insititution is not listed it does not mean it is not protected. (P) These European-owned UK banks are protected very differently; read Passport scheme.

Tesco_points_addict

:rolleyes:Hypothetically………………………………….. if I found a hypothetical BBE 06/09 ready meal of meat balls in my freezer and fed it to my husband, would it be wrong?? :rolleyes:

Answers on a postcard please!

TPAx