Rising to the top of the ocean - and staying afloat!

Timay

unoriginal_uk wrote: »

Ooh question number two as well (you'll be getting a restraining order out on me soon) these e-saver shenanigans you speak of....does your bank then give you a separate debit card for each account?

I am just wondering the e-saver for each purpose sounds really clear cut....however it would be remembering which account I was spending out of etc etc which would prove difficult for my easily confused self if I didn't have 1 card for each A/C (which I could appropriately label with coloured dots or something).

No if you want to spend it you have to transfer it back to your main account.

Or you could set up payments to come out of those accounts but you don't get cards for them.

unoriginal_uk

Timay wrote: »

No if you want to spend it you have to transfer it back to your main account.

Or you could set up payments to come out of those accounts but you don't get cards for them.

Oh poo....really?

That's a bit rubbish really. I will be awful at having to track each time I use my debit card then having to transfer that particular amount from my pot back into the main account to cover whatever I have brought....grrr.

Maybe I will just open a couple of different savings accounts that you can get debit cards for, and do it that way. Will look into it when I am next at my bank!

StressedSteph

Morning Rising.

Are you in work today?

Wind is blowing like mad here again, wish it was dry so I could put some washing out. It would be dry in about 10 minutes .

I haven't been very motivated yet this morning. Really need to show I have done something today. Think I have to get the ironing board out .

Take care, hope you are well
xx

lurvlyloz

Rising, i get ice cold ears & have to wear my ear muffs.i look like a child but i do not care! (i dont think my big blue paddington bear coat & mittens helps!)

mummybearx

Afternoon Rising :-)

Haven't been about much, sorry. Been trying to sort our holey roof and ceilings, hoping all our repairs hold with all the rubbish weather we are having

Hope you are doing okay sweetie, mind and hold on tight to the dog lead so you don't get blown away like Dorothy :rotfl: x

rising_from_the_ashes

unoriginal_uk wrote: »

Hehe....you can tell I am a complete newbie to appropriately managing money from the way I can terrify you with just a few short sentences!!!

:rotfl:I've only been doing it a very short time ... which is worrying since I left home and have had various mortgages errrr 18 years ago this year :eek:

unoriginal_uk wrote: »

I am 27 but I have literally NEVER managed my money properly (hence the fact that I got into 20k + of debt. TWICE.)

So did I ..... I've got quite a few years on you

As long as you know where you went wrong (so you don't do it again;)) then ....

unoriginal_uk wrote: »

You are an absolute angel risingfromtheashes...the way you've set it out above makes everything so clear now. I think I have over-spreadsheeted (yes....you can never have too many s/sheets :rotfl:) and that's whats confused me.

shucks ..... too many spreadsheets ... :eek:

unoriginal_uk wrote: »

On Thursday once I make my last debt payment I will come back on here and set out what I plan to do and you experts can tear my plan apart to help me

No probs if it helps!:)

unoriginal_uk wrote: »

Ooh question number two as well (you'll be getting a restraining order out on me soon) these e-saver shenanigans you speak of....does your bank then give you a separate debit card for each account?

Timay's right - they're e-savers so you can instantly transfer money back to your "main" account online but you don't get a card so no cash withdrawals / debit card facilities (which for me is the big plus of them )

It works well for me as I buy everything on my c/card (literally everything) as I am absolutely useless with cash and I record the spends on a spreadsheet so it's easy to keep track of how much I've spent.

It works really well (for me) as I only need to do the transfers once a month when the bill arrives


Welcome to [STRIKE]the madhouse[/STRIKE] my diary Timay

rising_from_the_ashes

StressedSteph wrote: »

Wind is blowing like mad here again, wish it was dry so I could put some washing out. It would be dry in about 10 minutes .

Really windy here too got soaked taking Maisie out - been to work ... real downside of starting later is that it's impossible to find a parking space anywhere (not just in the work car park) - ended up miles (well ... you know:o) away this morning!

Ohhhh - loads of ironing here if you've finished :rotfl:

lurvlyloz wrote: »

Rising, i get ice cold ears & have to wear my ear muffs.i look like a child but i do not care! (i dont think my big blue paddington bear coat & mittens helps!)

Ohhhh - think I'll be getting some - my ears are frozen and I had my waterproof jacket on / hood up and it didn't really help!:eek:

zepsgal wrote: »

Been trying to sort our holey roof and ceilings, hoping all our repairs hold with all the rubbish weather we are having

Hope you are doing okay sweetie, mind and hold on tight to the dog lead so you don't get blown away like Dorothy :rotfl: x

Ohhh that doesn't sound good hope everything holds out OK .... Chuckling at the Dorothy image - if you'd seen Maisie's ear's just about sticking out sideways when we were out just before ..... that's not such a far fetched idea :eek:

unoriginal_uk

rising_from_the_ashes wrote: »

Really windy here too got soaked taking Maisie out - been to work ... real downside of starting later is that it's impossible to find a parking space anywhere (not just in the work car park) - ended up miles (well ... you know:o) away this morning!

I purposefully ended up leaving work half an hour later today just to try and avoid the wind!! It worked but not in the way I expected it to - my colleague ended up offering me a lift home! :T

I usually have to get the bus otherwise....parking spaces are like goldust down here in Croydon....:(

unoriginal_uk

lurvlyloz wrote: »

Rising, i get ice cold ears & have to wear my ear muffs.i look like a child but i do not care! (i dont think my big blue paddington bear coat & mittens helps!)

That sounds brill!! I have a little bear hood with ears and everything that I have been wearing all week....though with the wind I've almost lost it right off my head a couple of times!!

[Deleted User]

unoriginal_uk wrote: »

I usually have to get the bus otherwise....parking spaces are like goldust down here in Croydon....:(

Ah you're not that far from me and I've heard that about Croydon its bad enough trying to get near the station to pick DH up the odd time.