I don't need another skinny Latte

Ali-OK

Welcome back and glad you had a great time.

I think you've hit the nail on the head with the monthly use and pay off CC - keep a track of the balance. I'm old fashioned still with a little spreadsheet so each use gets added to that and gives me a running total - which also feeds into next month's budget so I can see the 'damage' to it. Keeps me in check

Well worth it for the cashback - my DB has one and usually gets £150-£200 from it annually. Might apply for one myself!

in_need_of_direction

I put everything on mine and get points that equal avios miles. This funded one return flight to toronto last year plus the two returns from there to NYC and two returns to London. So long as you can be careful, it's worth doing.

Skinnylatte

in_need_of_direction wrote: »

I put everything on mine and get points that equal avios miles. This funded one return flight to toronto last year plus the two returns from there to NYC and two returns to London. So long as you can be careful, it's worth doing.

Wow that's some air miles, good going

Skinnylatte

Ali-OK wrote: »

Welcome back and glad you had a great time.

I think you've hit the nail on the head with the monthly use and pay off CC - keep a track of the balance. I'm old fashioned still with a little spreadsheet so each use gets added to that and gives me a running total - which also feeds into next month's budget so I can see the 'damage' to it. Keeps me in check

Well worth it for the cashback - my DB has one and usually gets £150-£200 from it annually. Might apply for one myself!

Thank you, I love a good spread sheet, do you spend ages trying out different figures to see how long it'll take to pay stuff off or save for something?

Ali-OK

Mostly the mortgage one is my daily dose of spreadsheet heaven followed swiftly by my debt tracker which is slightly trumped by the linked graph to show the balance coming down in glorious technicolour vs target payments

I love my budget one as it goes back to 2006 and I can go :eek: at how much costs have increased and :T where they've reduced over the years.

Not got to a target savings one, but I think that will be next - at the moment I've created a little additional box which adds up the other additional box listing the 4 different savings accounts and the end of month current account which is my emergency fund. Love seeing that go up across the months (though it'll be down this month as the washing machine went on the use and pay off CC and will be paid for on 19th Jan).

Overall, yes I spend ages on ALL of them :rotfl::rotfl:

Skinnylatte

Today ended up as a spend day. Only as my friend was off to m@rrisions, and I knew they had c@dburys drinking chocolate on at half price (wonderful mysupermarket app told me so!). Any way I've now got 2kg, so it'll last us ages.
I made a roast for dinner, and a turkey lasagne and pasta bake with all the left over Christmas cheese.
Was very good today and did day 1 of couch to 5k with DD, felt great afterwards.
I also am going to do a guided meditation everynight, need to concentrate on destressing and being healthy this year. I'm still on my heart tablets, If I can get rid of those that's £104.65 saved!

Tomorrow I need to get organized as back to work Tuesday, A bit of shopping to do for packups, and the car to fill up.

Skinnylatte

Haha, if I carry on spending at this rate it'll be over £3600 by the end of the year on groceries not £2000, and £1500 on eating out, over x 3.

Definitely time I went back to work :mad:

Picked DD up from work, and she was hungry (despite flipping burgers all day) and wanted to get some food on the way to BFs. so we stopped at a cafe, £6.70, I had a green tea, and she had a toastie and tap water.
Other spends today were prescription, £2 to vacuum the car out£9.51 on pack up stuff and a few bits from Ald! and £49 on fuel, it's lovely now I can fill up for less that £50 rather than £60, and I got double nectar points too

The lady with the website has now come back to me saying she wants to sell the whole lot now, same price, so I'm going to have a think about that. It will mean that people can buy my product direct from the website, where as at the moment I have to take orders over the phone, which is a bit inconvenient when I also have a full time job.

Have done 20 mins on my cross trainer and feel SO much better for it. Why do I spend most of the day putting off exercise then love it after I've done it (note I said after and not during!)

That's all for today I think, I'm off to browse some threads....

Skinnylatte

Ali-OK wrote: »

Mostly the mortgage one is my daily dose of spreadsheet heaven followed swiftly by my debt tracker which is slightly trumped by the linked graph to show the balance coming down in glorious technicolour vs target payments

I love my budget one as it goes back to 2006 and I can go :eek: at how much costs have increased and :T where they've reduced over the years.

Not got to a target savings one, but I think that will be next - at the moment I've created a little additional box which adds up the other additional box listing the 4 different savings accounts and the end of month current account which is my emergency fund. Love seeing that go up across the months (though it'll be down this month as the washing machine went on the use and pay off CC and will be paid for on 19th Jan).

Overall, yes I spend ages on ALL of them :rotfl::rotfl:

WOW, I wish I was that clever with a spreadsheet, a graph would be very motivating, I wish I'd kept a chart of debt payments made. Once I've paid this and started on my mortgage I'm going to learn how to graph it!!

Skinnylatte

Ooo just noticed work have paid some expenses and bank account has paid in some interest so £52 paid off barclay card

Skinnylatte

A NSD :j
First day back at work, to find I have to go south tomorrow, a bit of a pain and will be a long day but worth an £80 travel claim and free lunch
Decorations down and in a pile in the living room, and that's about it for today.