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Lilt and Jellytots most excellent adventure...
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After 12 month of Reg Saver it can go into young saver at 3% or child ISA at 6%, lots of parents do that then after second year they are the bulk in young saver and the circle continuesI’m a Forum Ambassador and I support the Forum Team on the Banking & Borrowing, and Reduce Debt & Boost Income boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySaving Expert.Save 12k in 2023 #58 Total (£4500.00) £2500.00/£5000 = 50.00%Sealed Pot Challenge ~17 #24 Total (£55.00) £0.00/£500 = 0.00%Xmas 2023 £1 a Day #13 Total (£85.00) £344.00/£365 = 94.24%Virtual Sealed Pot #1 Total (£500) £550.00/£500 = 110.00%£2 Savers Club 2023 #17 Total (£25.00) £45/£300 = 15.00%The 365 1p Challenge 2023 #7 Total £656.19/£667.95 = 98.23%Total £4095.19/£7332.95 = 55.84%0
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Levi you aren't over the top strict... You are restoring some order to what has been a chaotic few months for him. And setting some boundaries. You're doing the right thing and he idolises you.
And some nights I've locked Jelly in her room with a bottle of persil tied to the door and flung over the nearest bit of furniture. And she's fallen asleep on the floor behind the door where I've had to shove the door until it rolls her over, pick her up all covered in tears and comatose, and dump her into bed. Didn't have to do the same thing the next night though
Glad you're avoiding it a bit. Drink Milton. Works wonders :rotfl:
A black belt only covers 2 inches of your a$$ - You have to cover the rest yourself - Royce Gracie0 -
Haha drink Milton! I must have used gallons of that stuff everytime somebody sneezed near me when I got pregnant with dude!!
Seriously I go away for a little bit and have to catch up on 4 pages. Common people... Lol
For the record I am 5ft1 and a half! Do NOT forget the half.
So glad jelly is feeling better. I came up to bed to find dude sat up just staring at the landing. He saw me and put his head straight back down on the pillow and started snoring, what's with that??
I shall catch up more tomorrow and Monday. Hopefully!!January 2015 - LBM
MBNA - £1697.96
Savings - £51.37/10000 -
After 12 month of Reg Saver it can go into young saver at 3% or child ISA at 6%, lots of parents do that then after second year they are the bulk in young saver and the circle continues
I think that 6% is now down to 4% if that's the H@lifax Junior ISA - and the parent needs to have the adult ISA (at a lowly 1.05%) to get it, or the child be 16 or 17 years old.
Best I can find for JISA is 3.25% with N@tionwide. I've got this dilemma too as DS's 6% Reg Saver finishes when he is 15 and not many kids accounts will allow them to open within the year they turn 16. Complicated
JISA will be better if the parent is giving them enough money to make £100 interest a year to avoid it getting taxed at my rate, which is quite feasible say at £2k x 2 years (I'll be saving hard for DS for Uni so will affect him in another 18 months I suspect).Back on the DFW Wagon:
CC - £3,300 on 0% til 04/2020
CC - £4,500 on 0% til 02/2019
Loan - £12,063.84 as at 4/1/180 -
A charity so very close to me heart and as my sis has lost a very dear friend this week after being diagnosed only 5 weeks ago all progress to finding a cure to this terrible disease is worthwhile. Over 24hour period have lost 4 people, can I get off this merry go round please. Life is s**t....... Xxxx. My little darlings are now all over 6 foot, I just don't stand a chance but love being in their arms. Take care all of you xxxx
LILT you are very welcome. We all make a difference in our own way, big or small. We often never know what a difference our little ripples make.
Love reading your diary, and by the way thanks for making me feel half sane about letting Teddys breathe........everyone will be saying what's that about!!!!!!:D
Back to lurking:hello::hello:With Our Thoughts. We make our world - Buddha
Extra payment every week challenge* 27/04/15 £10.00 Total £1975.18
CC OCT 14 4422.18/3122.18 = balance 1290.00:T
Weight loss 2 stone 9 1/2 :0 -
Billie hugs. Rest of life, I stopped having kids at 30. I was cream crackered just picking them up. Love all 3 of them, to death and back. And you lot are fab ppl, love you too xxx
DM xI have borrowed from my future self
The banks are not our friends0 -
5ft4 and a
half. For the record. The half is important. As Harry's mum and I know xI have borrowed from my future self
The banks are not our friends0 -
5ft4 and a half. For the record. The half is important. As Harry's mum and I know x
Halves are very importantI was 5'7, but like Lilty a bit of shrinkage due to back surgery has me at 5ft 5 and half. Probably shorter now due to age. :rotfl:. DS is expected to reach 6ft 2" to 6ft 4" - par for the course with both families being 6ft or taller. I'm the short one out of all them, picked up a rogue gene somewhere I reckon :rotfl:
Back on the DFW Wagon:
CC - £3,300 on 0% til 04/2020
CC - £4,500 on 0% til 02/2019
Loan - £12,063.84 as at 4/1/180 -
Ali!! :eek: to DS!! My ex boyfriend was 6ft 4 (and a half...) back in college. I actually had to stand on the steps to get a hug or a kiss... Like you with the telling off
Harrysmummy I wasn't that bad when I was pregnant but first sign of a tummy bug and I whip it out :rotfl: same with colds. I don't know quite how I didn't get the gastroenteritis as it seems to have wiped out most of her nursery according to another mum. So I am putting it down to the litre of milton used in a few days..
Sugarpuss I think we are safe... we are probably the only two people around here who do itso shhh!!
"Back to lurking" ... :rotfl: as you were! Thanks for coming out of hiding!! xx
Decided you all couldn't live without the hair.. :rotfl: she looks so serious about sleeping..
HarrsyMummy by the way... Jelly often opens her eyes and looks straight at me but she seriously has no idea about it. Maybe he heard you coming inches sleep, and sat up to check it was youthen once satisfied went back to sleep. Heart stopping isn't it... *STEP AWAY SLOWLY!!*
Bedtime. night peeps. Love you all. Midgets included.xx
A black belt only covers 2 inches of your a$$ - You have to cover the rest yourself - Royce Gracie0
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