Just Say NOvember 2013!!!

stewby

So... you guys are quite financially savvy (and I am too chicken to post a new thread in other sections)...

I am thinking about changing my credit card to a 0% one. Currently my dad is the main card holder and I am the additional card holder.
My dad doesn't use the card at all. It was originally taken out for buying the kitchen and bathroom (as a security thing should there be a problem and we needed help getting money back).

If I change, my dad is going to come off the card and I will be the sole account holder.
* How would this work??
* What if they won't give me the £3k limit that I need to change the debt over??
* What happens with stuff I am yet to do/pay (for example, the holiday in kos or my festival ticket deposit scheme).
* is there a credit card that would be best?? I do use my card occassionally for stuff that I want protection on (sorry NSK but it is greatly improved I promise, only used it twice since my LBM and once was OH's xmas pressie and the other was for my mum and she gave me the money for it).
:embarasse

Obviously, changing to a 0% card is the brightest thing to do and I have learned that from here. But I am not sure what's best. Any advice would be brilliant.
:undecided

Sorry for going off-topic.
Hugs.

cowboymum

PiggyBankShaker wrote: »

Also, DD school photos proofs arrived and we have to decide if and what we're going to buy and they ARE expensive!

They are terribly expensive aren't they? Didn't get one sons as too expensive and not v nice (!) and just waiting for the next ones.

Children are generally expensive I find! Just shelled out money for birthday party food but saved a little by buying all the ingredients for cake. That's my afternoon and evening sorted!

thriftylass

Oh and nearly forgot sth I'm really chuffed about now. As I was in my hormonal huff yesterday, OH suggested to get take away (why does he never just suggest to cook himself?). Luckily I had already defrosted a batch of chicken chasseur so I just needed to boil rice and beans. Glad I managed that because I def didn't have 20 quid for take away in my budget and neither should have OH.

Re expensive kids. Can't be any worse than it is now (i.e. £1000 in childcare a month), DS can only get cheaper no matter how many shoes, parties etc he'll need a month

tennisfanatic

Quick check in before i go away for weekend. A spendy day today - donation for poppy appeal, £17 for train ticket, £1.70 busfare, £10.52 in m0rrisons (milk, fruit etc and packed lunch bits for tomorrow to save eating out at lunchtime). Will account for saturday and sunday spends when i log in on sunday then hoping to be SFD until next food shopping trip which is planned for 16th.

SFD 5/25
Lunch to work 5/18
Food £46.93/£100
Foodbank £0/£3
Moneymade £0.42/£80

rumblytum

Hi everyone,

Checking in for Day 7:

I am sooooo proud of myself - have spent hours looking through what I've spent in last year, and re-doing our budget, and feeling optimistic for the future

5/25 SFD - groceries have arrived, so not a SFD for me yesterday
5/21 lunch
£5 squirreled away in purse
Petrol - 70.65/150.00 (reduced from 300.00, clearly not driving so far, and shopping around for fuel and driving more cost effectively)
Food - 90.27/250.00 (still working on reducing this)
Misc. - 0/50.00
Christmas shopping - 0/40.00
Car maintenance - 91.05/50.00 (have just reduce monthly budget to 50.00 from 150.00, but just bought 2 new rear tyres *budget* ones)
Toiletries - 7.74/£10 - this is DH's deodorant and toilet rolls
Transferred £3 to Trussell Trust
Donated 2 things to charity shop

Still to do:
donate 18 things from house
list things on ebay to make some money

rumbly x

cowboymum

thriftylass wrote: »

Re expensive kids. Can't be any worse than it is now (i.e. £1000 in childcare a month), DS can only get cheaper no matter how many shoes, parties etc he'll need a month

Yep that's definitely more than I've spent on my two boys this month! I remember spending that amount on money on childcare - now I'm the one doing the childcare for others and sending out invoices but not for quite that amount though!

apple_muncher

I've had a lovely nsd today. Washing, sweeping, workout, tidying, sorting out more things for the charity shop - very satisfying!

Then I turned my attention to my jars of coins + decided to bag some of them up. The £2 stash was the most rewarding! And I've already walked up to the bank + paid it in. A grand total of £104! :T

DH has suggested I spend it on myself, which is a lovely idea. But I somehow can't reconcile doing that with the whole ethos of NOvember! The only compromise I can think of is to spend 1/2 of it on me, as I do rather need some black work shoes that are good for lots of walking. Any other suggestions are most welcome...

It's turned into a very wet Friday here. But tomorrow's Saturday - yay! - so it doesn't matter one jot!

MrsGSR

cowboymum wrote: »

They are terribly expensive aren't they? Didn't get one sons as too expensive and not v nice (!) and just waiting for the next ones.

Children are generally expensive I find! Just shelled out money for birthday party food but saved a little by buying all the ingredients for cake. That's my afternoon and evening sorted!

The ones mine had were pretty good. DH paid the £28 for a cd of images which compared to what some places charge is pretty good. We have codes for free and half price canvases so thats the grandparents sorted for christmas:p

Agree they can be expensive, one thing I have learnt in asking grandparents to either pay for a set of ballet lessons for DD or swimming lessons for DS instead of buying toys they aren't particularly interested in. This year after having a big party for DD we have decided no more parties and that we will take her for a day out instead. It's too stressful and don't get me started on party politics:rotfl:

We have had a letter about children in need and a school trip next month, but as they are in next months budget that's fine.

apple_muncher

oooh oooh oooh!! :j:j There's a star under my name!!! I don't know what I've done, but I sure do like it!

MrsGSR

thriftylass wrote: »

Oh and nearly forgot sth I'm really chuffed about now. As I was in my hormonal huff yesterday, OH suggested to get take away (why does he never just suggest to cook himself?). Luckily I had already defrosted a batch of chicken chasseur so I just needed to boil rice and beans. Glad I managed that because I def didn't have 20 quid for take away in my budget and neither should have OH.

Re expensive kids. Can't be any worse than it is now (i.e. £1000 in childcare a month), DS can only get cheaper no matter how many shoes, parties etc he'll need a month

Wowsers, thats A LOT. I took voluntary redundancy from my last job for a number of reasons but the main one being they wanted me to do mornings and it would have been £10 a day in petrol and 5 days of childcare, we worked out I would have £30 a month left. I work 3 nights a week now which admittedly is crippling but it's the only thing that works for us until DS is at school or at least nursery funded.