Can we live halved Income

adrisco

I have bought a slow cooker and it has been brilliant. Been buying cheap cuts of meat and chicken and veg - one "potful" lasts OH and I 3 meals. Have bought a recipe book but hav'nt been very adventurous yet. Have been doing numerous on-line competitions .. no luck yet .. but I live in hope. Job situation looking bleak - more and more cuts in libraries. Avidly reading posts on how to be frugal. This one is my favourite!

rising_from_the_ashes

moneywaster-nomore wrote: »

OK, I have round down my current account today, just rounding down to nearest £1 but I will do it every time i go into it, that every couple of days.

:j It's amazing how much it mounts up - I started in Feb (from memory).

I've also decided to put any cashback money into this as well - currently sitting at £49 (£45 round-down & £4 cashback).

I'm also due another £60 cashback: £40 from a new mobile deal (great deal - £21/month but it goes down dramatically to £8.50/month as I also get to claim cashback of £50 x 6 throughout the contract) and £20 from switching broadband supplier:j

moneywaster-nomore wrote: »

But it would be fab to pay insurances a year in advance instead of monthly. Something else to work to wards.

As it has been said, its not just getting out of debt, its also about getting ahead of the game and becoming financial as one can be these days.

Here, here!:D Paid my house insurance "in a oner" for the first time last year (although it was on the cc:o) and have been putting the money away each month since so will be able to do it properly this year - also aiming to pay the car insurance in full at renewal but this is much harder as paying for this years by monthly d/debit and trying to put the same amount away to cover next years ..... it's not easy sorting yourself out, is it!

moneywaster-nomore wrote: »

As its bank Holiday (and my birthday :bdaycake:) we have been paid today.

(if a little late:o) it's mine tomorrow

ani*fan

Igamogam wrote: »

Have you got a slow cooker? I have 3 - now thats a confession:D

Is that 2 for eBay then Igamogam?

moneywaster-nomore

Wooo I will have my life back in 2hrs. Finished nights on Monday morning and had my DGD aged 4 since then, taking her home this morning.

I complain I have too much time on my hands but miss it when its gone.

Cant wait to get myself, my house and my plans back on track.

Catch up later

Igamogam

ani*fan wrote: »

Is that 2 for eBay then Igamogam?

Definately not Ani! They are the most used gadgets in my kitchen - would happily lose a tonne of other stuff before they went:rotfl:

moneywaster-nomore

Back in DFDiaryland.

Not a lot happed, but...........I have been to town today. Only did one thing, then came home. No money spent.

Opened a "credit union" account :j. My plan is to save £10 a month. So if I need to borrow in an emergency, the future, I can do it from here and not PDL.

I did ask as an inquiry about loans. they told me, as a rule although every case id different depends on how urgent it is. They like to see 3 months of steady saving, of whatever amount. Which I think is fair comment. Althought I will really do my best never to borrow again.

rising_from_the_ashes

moneywaster-nomore wrote: »

Opened a "credit union" account :j. My plan is to save £10 a month. So if I need to borrow in an emergency, the future, I can do it from here and not PDL.

:T I have one of these!

I can do a salary deduction straight from my wages .... again only £10/month and I do try not to use it except in real emergencies ...... but it has saved my bacon on more than one occasion:)

Keep meaning to try to up it (finished paying for my bike a while ago - also a salary deduction but £15) and put and extra £10 away but keep forgetting to contact payroll to do it note to self do it on Monday!:)

Igamogam

moneywaster-nomore wrote: »

Back in DFDiaryland.



Opened a "credit union" account :j. My plan is to save £10 a month. So if I need to borrow in an emergency, the future, I can do it from here and not PDL.

I did ask as an inquiry about loans. they told me, as a rule although every case id different depends on how urgent it is. They like to see 3 months of steady saving, of whatever amount. Which I think is fair comment. Althought I will really do my best never to borrow again.

Bendigedig = fantastic:D

moneywaster-nomore

rising_from_the_ashes wrote: »

Keep meaning to try to up it (finished paying for my bike a while ago - also a salary deduction but £15) and put and extra £10 away but keep forgetting to contact payroll to do it note to self do it on Monday!:)

Yeah, spare cash, tends to find somewhere to go on its own, when freeded up.

£100 less a month council tax, all arrears now clear.

£10 to my credit union, the rest to go to my payday loan. Must put it to good use, once this is cleared.

rising_from_the_ashes

moneywaster-nomore wrote: »

£100 less a month council tax, all arrears now clear.

:j:j That's fantastic well done!:T:T

See .... chipping away, one thing at a time ... you will get there!:)