Ultimate Challenge. 457 days / £16600!!!

NinjaSavingKat

:T:T:T:T....YEAH!!! I can't spell it hence the easy-to-spell version! :rotfl:

suzitiger

NinjaSavingKat wrote: »

Hi Everybody!!! :wave::wave::wave::wave:

And those lurkers out there.. Listerbelle / Shelbi... and those I might have never met... how are YOU????

Well Hi there, guilty lurker as charged, I read on my emails but often forget to post even though I often want to reply to things I read, so here I am. Be rude not to say hi back :wave:
I am well, inspired by you guys as always, maybe you can help me cut down on all my budgets for things.
First thing i'd like advice for, me and my OH rent a 3 bed house together, we don't use a lot of water. We use the yellow-let it mellow rule (sorry to be crude, and we don't do this when we have guests lol :rotfl:)
shower rather than bathe etc, worth getting a water meter do you think?
let me know fellow :money:-ers.

Siouxsie32 wrote: »

I also have the £3.98 Price Promise voucher I found on the ground last week, so really £8 out of the budget is what I'm aiming for I'm quite enjoying the challenge, knowing that it's short term.

It baffles me why people just fling these things.....hello??!! free money??! like people who throw copper pennies in the bin :eek: and people who shop in tesco all the time yet don't bother getting a clubcard, whyyyyyyyyy? ahh well, their loss, your gain

suzitiger

PS I too have a cheese problem

charhen19

Ok so, long-term lurker and first time poster here - hello!

FINALLY caught up with all of this and you guys are truly AMAZEBALLS! Very inspiring. I will sort out a sig. at some point but just wanted to say hi.

Only tip I can add at this point is - you get almost double the amount of juice out of a citrus fruit if you ping it in the microwave for about 20 seconds first. Dunno why or how that might help but you never know :-)

his_missus

suzitiger wrote: »

Well Hi there, guilty lurker as charged, I read on my emails but often forget to post even though I often want to reply to things I read, so here I am. Be rude not to say hi back :wave:
I am well, inspired by you guys as always, maybe you can help me cut down on all my budgets for things.
First thing i'd like advice for, me and my OH rent a 3 bed house together, we don't use a lot of water. We use the yellow-let it mellow rule (sorry to be crude, and we don't do this when we have guests lol :rotfl:)
shower rather than bathe etc, worth getting a water meter do you think?
let me know fellow :money:-ers.

If you rent, would you be allowed to get a water meter?
They say if you have more bedrooms than people living on the house, a water meter should be cheaper. I'm sure you could compare on the usual comparison sites x

duesouthtwin2

Hello everyone. I finally get to see NSK today as we have been working crazy hours. Yay! Have still managed to keep the £400 in the ISA and live off the £300. Had 2 essential nights out with boyfriend and a friend but minimal costs. Result with my stables too -they reduced cost of my lessons to £30 each for a full hour and threw in a free stable management lecture, tea and cake too. Lessons more like £60 so I really cherish this deal offered by the stables. Horses are my life.
Still having my mid-life crisis with career, family, boyfriend etc but after some deep discussions I hope to be clearer by August. With all this frugal life and looking forward in my 5 year plan I am forgetting to enjoy life now I think. Need to breathe a bit -30 years old, full health, good job, some savings, a good relationship with my little family and my boyfriend. I am not living for my 5 year panic stress not-even-clear goals. I need to live for this minute. Phew! Love reading how everyone is doing. Thanks for keeping me going.

liltdiddylilt

Peekaboo everyone.

Kat you made me :rotfl: with your 'finance lurkers' watching me & Peaty. I do hope not! I don't like being watched :eek:

Hope everyone has had a good week so far. I have been a busy little bee trying to get my bank accounts in order. I have currently got enough for all monthly DD's in both accounts just to make sure that I didn't get stung with any returned DD fee's etc.

Unfortunately MBNA didn't listen, charged my old bank who had cancelled the DD & subsequently weren't paid. Luckily I use the 'OnTrees' app on my phone which I have installed First Direct/Lloyds & my MBNA card on... It shows me all 3 balances next to each other, super handy!! On Saturday I saw the full payment had come off my MBNA card on Friday but hadn't actually come out of EITHER bank account. :eek::eek::eek: couldn't phone them until Monday, when they told me everything was ok until I laboured my point & she then went a bit further & said, oh.. it looks like it will be unpaid. Noooooooooooooo, really?!:rotfl: They charged me £12 returned DD fee & £12 late payment fee. I immediately got these refunded luckily, and my proactive telephone call on Monday & payment with debit card meant that the payment will have been cleared today & they won't report it to the credit ref agencies as a late payment as they give you 5 working days... Phew!:T

Honestly, they tell you to use the card once a month & pay it in full for your credit history, but it really is more hassle than it's worth!

Good news is, my FD account are due to pay me the £125 bonus straight to my account anytime soon! Saving £700 this month, barring any disasters, which will take me to over £2000 saved!

Back to work for me now though..

Take care all.

suzitiger

his_missus wrote: »

If you rent, would you be allowed to get a water meter?
They say if you have more bedrooms than people living on the house, a water meter should be cheaper. I'm sure you could compare on the usual comparison sites x

Ohhh I'm not sure I didn't think about that. I will have to call the letting agents to check

Siouxsie32

Evening everyone :wave: Gosh it's quiet in here, isn't it? How are you all?

I got my paperwork through from Nationwide, complete with confirmation of my £1000 interest free overdraft So today, I paid £1000 off a credit card. I was going to pay it off the Opus Mastercard, currently the 6th of the 6 debts I made this challenge. However, I decided to raise the stakes and make the challenge bigger! This morning my Barclaycard (which was to be the first debt of 2014's challenge) had a balance of £1999.89 so I paid £1000 off using the overdraft, and the balance is now £999.89 and I'm adding this to the 2013 challenge!!

By my reckoning, there are exactly 200 days left of this year and I now have £4102.96 left to pay...£20.52 per day!

Off to update my signature....

NinjaSavingKat

I am here - reading and being very lazy! I shall be updating lots more tomorrow.. I just didnt want to bore you all with more food talk.. Ha! Siouxsie I shall be explaining my craziness to you for everyone's suggestions..