SarahNeedle1872 - DFW Diary

SarahNeedle1872

Loan:GONE!!!:j CC(0%):£2475.26~OHCC:£498.14~Total:£2973.40~DFDMay09
Xmas08 OC-£373.40/£1008 £2s:£24+£60bkd(£184in07) Pap/Moozie's w/c12.10~£1.99/£5:TSeptNSDs~10/10OctNSDs~7/12
***Nerd #437~Proud to be dealing with our debts!!!***

Old, pre Icesave-collapse sig......

skint_spice

Hope you get some money back soon Sarah, I know it's no comfort but maybe with all that belt tightening you'll end up better off a few months down the line.

beanielou

What skint says as well.

SarahNeedle1872

CCs(All 0%)#1:£3404.82~#2:2769.70~#3:1390.37~Total:£7564.89~DFD???
Xmas08 OC-£373.40/£1008 £2s:£24+£60bkd(£184in07) Pap/Moozie's w/c12.10~£1.99/£5:TSeptNSDs~10/10OctNSDs~7/12
***Nerd #437~Proud to be dealing with our debts!!!***

And new, 'where's my Stooze pot money floated off to now?' sig...

Thanks Skint for the post, I'm 90% confident I will get my money back, its more of a case of 'when' rather than 'if'..... if the government don't come through on their promise, I suspect they will have 300,000 people on their case! I agree with what you say about being better off.... I am not telling OH that I am still doing my monthly saves, and they are in an account that he can't 'see':p . A little dishonest maybe, but he may just learn to budget a little better during these times, especially as he thinks all the cards are maxed out!;)
We shall see...:rolleyes:

SarahNeedle1872

Still no news on the Icesave money, it all seems to have gone a bit quiet lately! Reading the 'chatter' on the S&I board, but its not telling much....

Going to start paying odd bits of money off the Egg card, as that's being charged int after the BT was fluffed by Sainsburys Bank..... it won't make a huge difference to the int charged, but it will mean I'll be in credit when the BT eventually goes through...

Surviving so far on our tight little budget.....a week and a half in (I'm paid 4 weekly) and there's a surplus of about £35 so far, which I will try to hold onto for now, then pay off Egg when we get paid again.
OH won't be going out this week as he only has two days off (normally three) and he will be looking after DS both those days while I'm at work... I also managed to do an OT shift on Sunday, 8 hrs of near-on double time, so was pleased with that.... might also managed to squeeze another couple of hours tonight as I'm on the shift for a stock count. Due to childcare, I don't often get to do OT, but the way everything has worked out, I managed to get some in

Aiming for NSD number 9 today, so fingers crossed for that one!

Egg £1599.15

SarahNeedle1872

Well it looks like we Icesavers should get our money back before Christmas (hopefully) so now I just need to decide where to put it.... I will be MUCH more careful this time! Will just be glad to see it back!

Belt tightening is definately coming into effect now.... OH has taken our last £50 from the household account to pay for going out to watch the Liverpool/Chelsea match at the pub earlier:mad: Then he announced 3 hours ago that he was 'going for a walk'. OH never walks, so what that actually meant was 'I am going to the Ladygrove' (our local):mad: :mad: I tried to explain to him that he was in possesion of all the cash we have until pay day (a week next Friday:eek: ) and that there would be no more money for going out/fags/beer/food at work.... but I heard the door shut as I was halfway through the sentence.

What he doesn't now is that I have £20 stashed upstairs, £30 on our supermarket gift card, just over £40 in an account linked to the household account, and in the case of a *real* emergency (for which Snooker night is not included!) the monthly saves of £225 and £34 in £2s - none of which he has access to, or can even see! I'm sick to the back teeth of his distorted priorities, so he can bloody well suffer now! And I have no doubt it will be my fault because I have 'stolen money off him again, as there's no way our household bills add up to that much!'... he seems to forget that there's more houshold bills than just paying the £750pcm rent! I love him to pieces but sometimes he can be a complete !!!!!!!
He will have to rely on storecupboard food for the rest of this week, the only food shopping I will be doing is for milk/bread/f&v. We have a freezer full of meat, enough sauces to sink a battleship, plenty of noodles, rice and pasta. If he doesn't like it, he can jog on! And if he thinks I'm buying him any beer this week, he can do more than bl00dy jog on!

Anyway, rant over for now

barnaby-bear

SarahNeedle1872 wrote: »

Well it looks like we Icesavers should get our money back before Christmas (hopefully) so now I just need to decide where to put it.... I will be MUCH more careful this time! Will just be glad to see it back!

I'd target those with a very low LTV and low expose to whole sale markets, the small ones that never lent silly money to silly people that they borrowed from silly sources:
http://www.guardian.co.uk/money/2008/oct/11/banks2

Skipton do a 7% regular saver called something like the Christmas Saver.
http://www.skipton.co.uk/savings_and_investments/savings_accounts/christmas_saver_account/

Other than that the branded accounts like Tescos etc, although a rebranding of someone else, a huge company with huge resources who simply wouldn't tarnish their name if the underlying organisation floundered.

Gemmzie

Sarah, your OH really does sound more and more like my dad and now my brother seems to have inherited the can't-understand-the-cost-of-anything gene :rolleyes:
Good for you for having a backup plan. Silly sod.

SarahNeedle1872

Got the Icesave cash back yesterday, and have decided to ditch the idea of stoozing.... it seemed like a great idea at the time, but I got too carried away with the spending, and didn't do so well at the saving!
Although it makes MSE sense to save the money in an acc until the 0% deals finish on my cards, after the last month waiting for my cash to be returned, I'm just gonna pay it off the cards and see whats left to pay.... I have just paid £1165.17 off the Egg card, leaving £1600 on there (that will go when a BT is sorted out, but I will get to that in a minute!) which leaves me approx £3800 to pay off the other cards..... should leave me about £2500 to pay off. We have a 'free' month coming soon for rent as we get paid 13 times, plus only one more Council Tax to pay (we pay over 10 months for exactly that reason). Will do a new snowball when everything's cleared and I can see exactly whats left.

So the BT..... 10ish weeks ago, I did a BT from Egg to Sainsburys Bank for £1600, but whoever entered onto their system keyed the number wrong. Two weeks later I phoned up and they explained what was happening and that it would take 6 weeks to correct Its now been nearly 8 weeks, the money still hasn't gone off the Egg card and I have now had to pay £15 odd in interest on the Egg (Sains was 0%) and I am starting to get a bit :mad:
So they have until Wednesday or they will get another phone call (my first day off this week) then I shall be putting in a complaint/request for compensation!

SarahNeedle1872

Right, paid off everything that I had and still have £5973.55 to go...... WAY more than I had thought, so I'm a bit grrrrr about that! Better get my butt into gear then!!!