It worked for us

vanoonoo

totally impressive - go girl!!

when I was a student, my bank manager encouraged the same "cash in hand" approach with me - it's certainly stood me in good stead too whilst I have been looking for work

If I don't have the actual cash I can't spend it

MisterT2

Well done. Any addresses for begging letters gratefully received ;D

plumpmouse

Congratulations Pink winged that is fantastic!!!

Pink.

We drive Robnye.

Live in N. Ireland so get ferry to Scotland early am (7.00), arrive London (where in-laws live) around 6pm. Leave early next morning and arrive in France arround lunchtime . Kids (14, 10 and 4) cope well with journey provided they have lots of pillows, a walkman each and plenty to eat.

We have found that to get the best late deals it is better to Phone the companies rather than book on line.

Some links:
https://www.eurocamp.co.uk
https://www.matthewsfrance.co.uk
https://www.ianmearnsholidays.co.uk
https://www.frenchlife.co.uk
https://www.carisma.co.uk
https://www.solaire.co.uk
https://www.venueholidays.co uk

It really is a lovely holiday.......all the fun of camping but without the hardships and usually with better weather. Kids love it which usually means parents have a good time too.

stub451

Well done Pink-Winged.

We're finally about to start the process of discovering where our money goes each month. (It's a mystery.)

Will be giving your tip a try, if I can convince my other half!

Hope that £10k has been in a tip-top interest bearing account. Now go and enjoy it. ;D

flossie_2

WOW Pink-winged. That is amazing - good for you. You're right, it's so easy to flash the plastic and overspend on guff. I used to work full time and earned quite a lot - spent it like water. Now I don't work, therefore don't buy the rubbish - we're short of nothing and much happier without the stress of my job weighing us all down.

Congratulations, well done you.

PS (hope the thing in your other topic works out OK for you - didn't contribute as everyone else said it all really, but big hugs to all of you :-*).

Pink.

Thankyou flossie.

I have just returned to work in the last year after a thirteen year career break. But when I wasnt earning it felt really good to see the money grow. It made me feel I was contributing something.

cathy_3

I posted something similar to this somwhere else, I did the same still do

I draw out housekeeping and spends for us both and when its gone its gone

we actually were saving at first over £600 a month one month £900

couldnt beleive how much wed been wasting

now we save out of our spends, dont buy anything without agonising over it first cos that means less spends all week (we have £25 each) and my spends mount up slowly but the old farts are great as he doesnt go out much lol

so I scrounge them out of him quite regularly ::) ::)

raeble

Wow! I dread to think how much money I am frittering away. Anyway I've discovered that my current account is not paying as higher interest as it should, so starting next month I'm moving everything bar £400 to the savings account. This way I should only move money back when I run out of something. Hopefully I shouldn't be moving anything back.

cathy_3

freeze the cards   and take out the cash   if you forget

use the atm at the supermarket before you shop

and just use the cash   then like we used to have to not so long back    once its gone  TOUGH  till pay day

and you make it stretch

we saved on eating out  every sunday lunch and if we went to the shops popping in for coffee somewhere even when we wernt bothered about a cofee   just habit

I would see something I liked and buy it   end of story

then I realised that I was living a good lifestyle  but it wasnt MY money that was buying it  and all our cash was going out in servicing credit cards and a couple of loans  

if we didnt have the debt  wed have the cash
so first thing was to get rid of them all fast

then the mortgage  in under 4 years   then   economise on wastage  and frittering it away
no going in the garage with my card and paying for petrol, oh and while im here   100 fags,  a couple of mags, a bar of chock,  sweetes for everyone else  can of coke

then your paying interest on it all!!  I realised it had to stop  we paid into a penison each so we could retire at 50  and we were wasting it all in the supermarket  shops and garage

now  we live on £500 a month for everything   when its gone its gone   but we manage fine

and were saving vast ammounts for our really old age  ;D

the house is ours now instead of anothe 16 years!! saving thousands in interest

the car is ours paid for with what wed have been paying in mortage payments so paid in a year instead of 5 and worth a lot more when we sell it

and nomatter what nobody can take the house off us
a dread I always had if we couldnt pay the mortgage

its great that feeling of security I can help the kids out when theyre skint, we can go on as many hols as we want to
we can buy what ever we want but we dont need much now at our ages (52 and 55) weve got all we need

its fab

but it want always like this till I sat down and thought what we were doing and how it was affectiing us in the end

the credit card industry chews you up and spits you out without a backward glance so do the mortgage companies

weve been brainwashed into thinking they are doing us a favour allowing us to buy "stuff" but they are destroying our future wealth