Mental Health Nurse in need of a cure for spending!!

~Chameleon~

rachyroo1985 wrote: »

Thanks guys, I have now checked for unused vouchers (none ), I have looked on the website and now know (I think) how to use vouchers for rewards although it seems as though my vouchers may be in post for this statement period. Can I use the ones i get posted to change for rewards?

Yes, you simply use the long code printed on the voucher when "checking out" from buying your deals

Igamogam

rachyroo1985 wrote: »

Thanks guys, I have now checked for unused vouchers (none ), I have looked on the website and now know (I think) how to use vouchers for rewards although it seems as though my vouchers may be in post for this statement period. Can I use the ones i get posted to change for rewards?

Hopefully an NSD today. Still in a lot of pain with my back so will not be doing much at all which means no spendy spendy!!! Should be able to skim bank account and make a PAD too xx

Yup when they have arrived And dont forget to 'womble' receipts..............:D And also do the Tesco price check.Or do you do that already?? Have to say it doesnt work for me very well based on my shopping habits but others on these boards ahve had lots of luck

rachyroo1985

Igamogam wrote: »

No need for that^^^^^^^^ *reported* Just had experience of NHS I have no complaints and certainly didnt see any nurses sitting around

Thanks for your support. One thing I have gained from being a nurse is a thick skin so won't be losing sleep over this. :A

bloss0m wrote: »

Your certain like winding people up, you must have no friends with your views and or find it entertaining to get pleasure winding people up on here. Still I doubt you will be allowed on here much longer

I guess this guy is a repeat offender? Thanks for your support. :A

examplesno1fan

How Rude Martin Smythe! I'm a nurse currently on a career break looking after my mum 24/7 She has Alzheimer's and Spinal problems. Been a nurse since 1971 and it certainly never made me rich. What an awful thing to say nurses loaf around drinking coffee and eating biscuits! Some nurses work 12 hour shifts with no breaks or even a toilet break! No profession is perfect but I would try and think before you post next time!

ChopinonaBudget

~Chameleon~ wrote: »

You have to convert them first into vouchers you can use for offers. They are typically worth 3-4 times the face value of the clubcard vouchers so real savings can be made. Go to the clubcard section on the Tesco website to see what vouchers you have and the many, many places you can spend them.

Tesco will often try to tempt you into spending them instore or on other Tesco products but you don't get anywhere near the same value doing this, plus it means they get to keep the profits too

Thank you for that tip!!! I took my daughter to prezzo yesterday as we discovered they do gluten free pizzas, and it cost me a small fortune. They're on the clubcard rewards list though, so can take her again for b*****r all which will be a lovely treat for November

Igamogam

Looks like Mr Nasty has gone

rachyroo1985

Sure does!! I just dont understand what these people get out of their small minded posts!?

At least we know he has been dealt with. :p

rachyroo1985

Another NSD today as been at work.

I have used my clubcard points as rewards for the first time and can't believe how much more I could have got out of them over the years!!!

I had £19.50 worth of vouchers and exchanged them for:

2 x £15 New Look cards to use as Xmas gifts for 2 sister in laws.
1 x Cinema ticket to use on Thursday when me and OH are going to watch Skyfall
I have £1.50 left which I am going to save for next quarter

My Next account should update tomorrow so I can update part of my signature and how my PAD's have added to reducing my total.

All in all a positive day!! :)

rachyroo1985

Morning guys!!

Day off today so I have already checked my bank accounts and made my PAD of £1.17 to Next. My statement wont update until 6th Nov so cant see exactly what's left to pay off. OH gets paid tomorrow so a bit of swapping and changing needed to make sure we are all set for the next couple of weeks before I get paid on 16th.

I have managed to sell the last of my dollars from my holiday to a friend for £15 so that will be paid into my account tomorrow.

I have sent off for a box to be able to exchange my old ipod nano for a new one with the apple scheme. I will then sell this. I couldn't sell the old one as it had been engraved for me.

I have also sold a book on amazon. only £3.93 and I can't get paid til next statement date. but, every little helps and all that!!

Not an NSD today as needed butter which I forgot the other day. Must get better at shopping lists!!!

chevalier

rachyroo1985 wrote: »

Hope I have done this correctly

Household Information[/b]
Number of adults in household........... 2
Number of children in household......... 0
Number of cars owned.................... 1

Monthly Income Details
Monthly income after tax................ 2000
Partners monthly income after tax....... 1600
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 3600great salary nice one.

Monthly Expense Details
Mortgage................................ 473.7
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 106 Is this over 12 months or 10? Might pay to ask to change if you will budget better.
Electricity............................. 31.5
Gas..................................... 31.5
Oil..................................... 0
Water rates............................. 31.57
Telephone (land line)................... 32.5
Mobile phone............................ 37
TV Licence.............................. 12.54
Satellite/Cable TV...................... 62.5 ouch would love film, or net flix be cheaper
Internet Services....................... 0 I am assuming your broadband is in with your phone?
Groceries etc. ......................... 300 ouch as others have mentioned, this is pretty high for just two of you. Especially when you have 200 entertainment budget, which you mentioned some is spent on eating out!
Clothing................................ 0
Petrol/diesel........................... 150
Road tax................................ 20
Car Insurance........................... 75 this is pretty high, is one of you under 25 or has points?
Car maintenance (including MOT)......... 0 you need to budget something here. Eg for service, new tyres etc even if the car doesn't need an MOT yet.
Car parking............................. 0
Other travel............................ 0
Medical (prescriptions, dentist etc).... 0 You never the whole year, need a prescription, or check up at the dentists, or vision check for your work?
Pet insurance/vet bills................. 21.63
Buildings insurance..................... 39.06 is this buildings AND contents? If not this is very very high. I pay less than this and we are landlords
Contents insurance...................... 0 you need this.
Life assurance ......................... 67.5 is this to pay off the mortgage? If so it is very high.
Other insurance......................... 0
Presents (birthday, christmas etc)...... 40 How about the challenge of money neutral presents this year, ie you sell stuff to buy stuff?
Haircuts................................ 0
Entertainment........................... 200 see above you are pending nearly one sixth of your income on food and entertainment.
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 1732


Assets
Cash.................................... 0
House value (Gross)..................... 95000
Shares and bonds........................ 0
Car(s).................................. 9995 down grade and pay off debt?
Other assets............................ 0
Total Assets............................ 104995


Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 77000....(473.7)....4.99
Total secured & HP debts...... 77000.....-.........-

Unsecured Debts
Description....................Debt......Monthly...APR
tesco cc.......................3698.54...37........0
next...........................106.7.....10........24.99
loan 1.........................5191.09...141.......6.7
car finance....................9595......150.......0
loan 2.........................7140.14...205.1.....6.7
Total unsecured debts..........25731.47..543.1.....-


Monthly Budget Summary
Total monthly income.................... 3,600
Expenses (including HP & secured debts). 1,732
Available for debt repayments........... 1,868
Monthly UNsecured debt repayments....... 543.1
Amount left after debt repayments....... 1,324.9
Ok so this is what I don't get, you have over 1000 pounds a MONTH left over after everthing else has gone out. Where does this money go? If you threw this and the monthly payments you are making at the debt I am guessing you would be debt free in about 18 months or so. This is a big hole here, do you know where this money is spent?
Personal Balance Sheet Summary
Total assets (things you own)........... 104,995
Total HP & Secured debt................. -77,000
Total Unsecured debt.................... -25,731.47
Net Assets.............................. 2,263.53

Good luck on your debt free journey
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