Edinburgher gets cracking!

edinburgher

Hehe - thanks

My problem is I want the moon on a stick, patience = the single biggest thing I'm yet to master!

I always feel so silly when I commit to a plan and then it falls through. Here's hoping my 30th birthday brings a little more objectivity (next year).

you need to live a little too!

Off to Kefalonia for our wedding anniversary a week tomorrow, so check

HelenDaveKids

Took us 6 months after renovation before we could overpay, now 9 months since and current account is still squeaky bum.

I transfer the money out on pay day, no longer mine therefore I can do nothing about it. My OH gets a bit grumpy about it at times and the other month said I need to put some aside for disasters, which I agree it probably wise. (Havent told him Ive already stolen it from the pot and put into morgage as have promised self will replace laterr)

edinburgher

My OH gets a bit grumpy about it at times and the other month said I need to put some aside for disasters, which I agree it probably wise.

That's very true. We've only got £100 or so in our emergency fund, really need to start growing it.

Currently paying £50/mth each into emergency fund, S&S ISA and overpayment account. This leaves us roughly £500/mth spare (that I'd like to be saving), but we have a few expensive projects (decoration, a new fuse box, driving lessons) to pay for in the next few months.

HelenDaveKids

I have 3 contracts, my mine job then 2 smaller posts (same place- main job as a job share) so I can easy see my "extra money" which I did agree to save seperately (I'm the money sorter in our house) but i am a bit sneaky (not in a spendy way but a morgage pot way). Im waiting for the endowment policy money and have only "borrowed" it but even now Im considering not paying it back!

Really not savvy when it comes to ISA's as was badly burnt with endowments so makes me feel nervous so I avoid. Im the same with credit cards, never had one, dont want one yet recognise people can be really clever with them and save loads. T

edinburgher

I also have a second job (I work Saturdays in a shop selling tropical fish ) We tend just to stick everything in the 'pot' - my wife is great re. finances, takes a general interest, has good ideas, but isn't too bothered with the minutae

HelenDaveKids

Daves the same. Just showed him my spreadsheets, not a flicker!

But at least hes with me and its a shared goal. I always think hes my leveller as I set off at such a pace (with everything) and sometimes I need reigning in. Thats why its good having a job share too!

What do you do as a day Job?

edinburgher

What do you do as a day Job?

In theory I work in Information Management, but it's debatable how much work I actually get done at the moment I think my post is expendable, looking to find a library job as I have stronger experience in this area.

edinburgher

Eek! My wife put her brand new dress (white on top, red underneath) into a mixed load, including a rather garish purple and bright pink floral bedspread (a gift). She's currently out helping her best friend look for wedding dresses and coming home to a ruined dress of her own would not be a good surprise

I have dashed out to Asda in the hope that some rather hefty Vanish 'pouches' with oxygen-based bleach will remove the bled colours before she gets home, fingers crossed.

On a positive note, used the coin converting ripoff machine to convert some loose change, so that's £29.83 into the EF and £29.83 into the OP pot. I normally avoid it, but couldn't face the thought of bagging sacks of 10p coins. Not very MSE, but I'll live with the shame somehow.

ultrarunner

Not sure if you bank with them but Natwest have a coin-counting machine in a lot of their branches, which lets you pay direct into your current account.

edinburgher

Not sure if you bank with them but Natwest have a coin-counting machine in a lot of their branches, which lets you pay direct into your current account.

I used to use one of said machines when we lived down South, but they didn't have them in Glasgow and their branches have since been sold to Santander (who we have a mortgage with, but I would never trust with my c/a!)

I would normally do the bagging thing and take them to business banking in the city centre (no limit on coin), but we're off on holiday next week and all spare cash has been converted into Euros or saved.