Old geezers and gal's close to retirement on dmp's.!!

cuddlymarm

Hi everyone

Well the bubble and squeek was so yummy (its amazing how a little of what you fancy does you good):j
and frugal too:jWhat a good little moneysaver I am.

Cuddles

thewad

With CCCS the money comes out on the 1st and is paid out on the 25th!!!!
That's what I've heard anyway.

elsie52

thewad wrote: »

With CCCS the money comes out on the 1st and is paid out on the 25th!!!!
That's what I've heard anyway.

Thats a long time to wait, I think another couple of members are with CCCS, so they might be able to confirm that. What do they do with all that money for almost a week,.!!!:(

elsie52

Have you had your welcome pack back yet from CCCS

pure_dead_dopey

that's right about CCCS

got OH's statement from caring sharing bank that we own a great big chunk of Lloyds, on a CCCS payment of £116.25 they charged us £107.58 in interest, this is after they reduced interest to a managable level. How do they sleep??

elsie52

Cuddles.....

do you do the Grocery challenge?

I havn't tried that one, I decided just to do a couple of things, otherwise all I do is eat and sleep MSE.!!!!

elsie52

pure_dead_dopey wrote: »

that's right about CCCS

got OH's statement from caring sharing bank that we own a great big chunk of Lloyds, on a CCCS payment of £116.25 they charged us £107.58 in interest, this is after they reduced interest to a managable level. How do they sleep??

PDD

I got my statement from them today, We pay £303 per month and they took £199 in interest.:mad::mad::mad::mad::mad::mad::mad::mad::mad:

cuddlymarm

Hi Elsie

No I don't do the Grocery Challenge but until the last couple of weeks I have been doing the weekly menus. I've discovered that if I do my shopping monthly with Sainsburys its free delivery if you spend over £100 and have it delivered Tues, Wed or Thurs but then its a matter of making whats delivered go as far as possible. I'm getting ever so good at it and OH loves things like bubble and squeek and eggy bread type meals which makes what I buy stretch that bit further.
When I came to do my shop last week I still had a cupboard full of tinned stuff (which means I now have a nice emergency stock in)

Moneysaving seems to be more second nature now and OH actually tries to be as frugal as possible these days. He actually treated me to a Mcdonalds burger the other day because they were only £1 whereas in the old days we would have had the full price meal (and probably left half of it) and then sweets bought at the cinema (now we sneak them in)

Shame its taken us all these years to learn these things

Anyway I better go and make OHs tea. He's just phoned to say he is nearly home
TTFN
Cuddles:)

Nanny25k

thewad wrote: »

With CCCS the money comes out on the 1st and is paid out on the 25th!!!!
That's what I've heard anyway.

As PDD says that is right - from what I read they take the money on 1st (up to the 10th I believe) and pay it on 25th, any interest earned during that time goes towards their running costs, which I have no problem with as they have been absolutely wonderful!:)

Just check our bank account and I still have money in it!!!!!! And I don't get paid until next week! :rotfl: That hasn't happened since I can't remember when!

Had a lovely drive to Poole and back today as I was working there, shame I was stuck in an office with no windows!

Cuddlymarm - love the thought of bubble and squeak!:j haven't had that for years!

Elsie - I watched that programme last night as well - will be interesting to see what the outcome of that is tonight.

Now I need to go and see if the last bit of wine in the bottle will fill my glass - I've been ever so sparing with it! Not a bit like me!! I'll have to see if there are any decent offers in the shops I go in! I work for that great big supermarket that people sometimes talk about - does mean I can get discount though, so 3 for £10 means £9

If I don't come on a gain tonight, I'll catch up on Friday as I'm on an overnight due to working in Crawley tomorrow and Friday - DH can have a peaceful night tomorrow!!

Catch you soon, xx

joenobody_2

Hi Elsie 52, guess I had better join in as well, I'm a bit older and have debts that I can't pay when I retire in a month on the standard dtate pension.....Help....any clues...Income £650 per month (2 of us) council flat & according toi CCCS I've no spare cash. I Owe Halifax CC £10000, Halifax Overdraft £2800, Capital 1 £6000 & Missus owes Halifax £3000 uptodate so far, but next month income drops to £650 pcm.........any idea's?

I supect more of us oldies are facing this!
Cheers
Joe nobody