The October Awakening!

Shady2307

If further incentive to clear my overdraft was needed I have noticed that as well as the interest, my bank are now charging me a £6 monthly fee. They must have sneakily changed their terms and conditions because this is new. Grrrr!

thriftylass

Shady2307 wrote: »

If further incentive to clear my overdraft was needed I have noticed that as well as the interest, my bank are now charging me a £6 monthly fee. They must have sneakily changed their terms and conditions because this is new. Grrrr!

Apparently mine started that over the summer, have to admit I never read the little leaflets that they send. I used to have a free arranged OD of £500 but now they started charging me £6 for going just £10 into the 500 not even over just into. I thought what is the point of me having it then. Luckily it was just cleared so I cancelled it completely (which they were slightly reluctant to do, well if I don't have it then I just need to be extra careful to always have enough for DD etc so they don't bounce). Hope you manage to pay yours off quick. Good luck

LoveaDove

Go Thrifty! Go!

(I love grapes too!!)

LoveaDove

Shady2307 wrote: »

If further incentive to clear my overdraft was needed I have noticed that as well as the interest, my bank are now charging me a £6 monthly fee. They must have sneakily changed their terms and conditions because this is new. Grrrr!

Sneaky sneaky Banks! Pop in to your local and ask them what they are giving you for that £6 charge/month?

I know not everyone would agree, but I have a fee paying account as it comes with extras. For £7/month I get: RAC home and roadside breakdown cover, card/passport/keys insurance and mobile insurance and a £200 'free' Overdraft.

thriftylass

LoveaDove wrote: »

Go Thrifty! Go!

(I love grapes too!!)

Will do just waiting for a chance when they clear the office for lunch

LoveaDove wrote: »

Sneaky sneaky Banks! Pop in to your local and ask them what they are giving you for that £6 charge/month?

I know not everyone would agree, but I have a fee paying account as it comes with extras. For £7/month I get: RAC home and roadside breakdown cover, card/passport/keys insurance and mobile insurance and a £200 'free' Overdraft.

They will say they give you an overdraft facility for it. It's not really a fee paying account, more a penalty to go into your arranged OD. With mine it was like that anyway.



Don't recognise OH. Not only did he tell me the other day he started saving for the wedding etc :eek::T:T (he used to live the last 9/10 years I've known him in his OD). But he wanted to cook dinner tomorrow, sth fancy. Now he announced he'll make a lamb tagine. Firstly because he knows a cheap halal butcher so wouln't cost much extra as we got the rest in the house. Secondly, he said that would leave us with plenty of leftovers for more meals later. OMG, can't believe he said that :rotfl::rotfl:

rumblytum

Hi everyone,

Here's where I'm at:

SFD 13/20
Payment towards debt in Oct will be 1074.24, minimum payments throughout month
Food 172.43/250 will be well under this month yay!
Lunches 21/31
Food bank 3/3
Eating out 23.2
DFD May 2018 (at the moment )
Toiletries £2 - we've all had colds, so boughts boxes of tissues
Extra earned £72.43

Have a good Thursday everyone

rumbly x

KittyBoo_2

Morning everyone, hope you are all getting a bit of sunshine today. It's a beautiful Autumn day here in Derbyshire.
Today is day 14 of my NSD's and I'm amazed at how my thinking about money has changed since starting this.
I've been writing down every penny I've spent and instead of just picking stuff up when I go shopping, I look at ways of managing with what I've got.
Instead of buying fresh milk and ending up buying other stuff as well, I decided I could manage with the powdered milk I had in the pantry. It's not brilliant in tea but I made a lovely hot chocolate with it . It was fine for making my poridge this morning too.
I've spent all my food money now but have the list of what I've spent it on, so I can see where it's gone.
I did buy some tea bags that were 50% extra but this will save me having to buy them for the next couple of months.
Keeping a list has enabled me to plan next months spend so I will hopefully be able to get my food budget spot on.
I feel like an accountant keep adding the budget up and.
Keep up the good work everyone cos we're on the homeward strait now.

Kaybeebop

thriftylass wrote: »

NSK thing is he is actually a really good cook and usually does the fancy entertainung cooking whereas I'm more like our mums, cook everday meat and two veg but I have learnt loads and are much more creative now too which can be tiring if you have to cook everyday after work. But i appreciate his help.

Must be Celtic supporting OH's thrifty! Mine about once or twice every 2 weeks cooks an amazing meal, paella, toad in the hole with roasted onion gravy, fajitas. He heard someone on celeb master chef referring to my day in day out cooking as catering & what he does once a week is swoop in doing something fancy with a jus! When he has to do all cooking he gets frustrated as once breakfast is over you need to be thinking of lunch etc hungry kids!

Off to try the galic & honey, wish me luck I'm not expecting pumpkin juice. Think I've got the lack of tea headache starting too.

Oh SFD as in bed just woken by weird noise, nose to nose with the cat! So yay finally double figures!!!!

K

thriftylass

Kaybeebop wrote: »

Must be Celtic supporting OH's thrifty! Mine about once or twice every 2 weeks cooks an amazing meal, paella, toad in the hole with roasted onion gravy, fajitas.
K

:rotfl: Mine only cooks when we have guests (or we do it jointly). He's good with sea food. If I get a break from cooking once or twice a month he usually just buys pizza

If he were to cook daily I would have to train him a lot in terms of resourcefulness and making do with what we have. He would be in the shops everyday :eek: But what he now calls fancy cooking isn't that far off what I make everyday :rotfl: Plus he also doesn't get the concept of planning ahead like yours, e.g. what do you mean, what I'd like for dinner tomorrow? Well I'd like to get an idea to take stuff out....Or ofetn I hear we don't have much in the house, eh, we don't have much of what you fancy just now in the house, but there is plenty of other stuff

stewby

Sorry, flaked out completely last night so wasn't able to post. (have just caught up now althoughi have been up since 08:30).


Please don't hate me but today has been a confusing sort of day... I have spent money but my mum has paid it for me. I took her to see her GP this morning (she is quite bad for nerves so someone takes her everywhere as she would never take a bus or go anywhere herself but she is getting a bit better, she now walks the four minute walk to her work by herself and can go up to the wee corner shop two minutes up the road herself too before you struggled in the garden).


So I got roughly £15 of shopping. I didn't know at the time so I went round tescimos (sorry NSK but I call it that in real life too) and bought some bits and pieces we needed... milk, smash (quicker than real potatoes for after work), lasagne sheets x2 (tescimos has reduced them to 50p a packet instead of 95p and we make lasagne quite a lot), my weekly treat of choc chip pop tarts (£3.50 a box but they are my treat for work) and some ham for sandwiches. I am guessing roughly £15 but when I asked her for the receipt, she told me that she had binned it as I didn't owe her anything.
:huh:

I don't know how this works in the challenge as next month, she might not buy me anything and then I will run out of pennies... so if you want me to count it in my spends then I will.

Spend free day yesterday though... and took my lunch to work so that is:

18/20 - spend free days.
13/14 - work lunches (changed a shift so I only have one more this month).
£142.50/£180 - food budget. (will be £157.50 is I need to add the food today).
£3/£3 - food bank (grabbed a leaflet today and it is the trussel trust that is doing ours too).
£5/£10 - beauty budget. (bought deodorant and something else I can't remember).

October is looking good so far I think... November will be slightly trickier as I have a weeks holiday towards the end of it. I have saved for it though!!