Lilt and Jellytots most excellent adventure...

Westie983

I have to three with my employer to which give me 5 pounds a month santa%%er pays out for my direct debits Council Tax, Water ,5% nationwiddle 3% at Tesc@ and old student account FatWest and I am waiting for a switch for £150. I just cycled £1000 through all accounts then back to where it started.

Probably get about £15 a month for about two minutes work on the day get I paid.

kdalwayskint

Wow Lilty, loads went on since I popped in last, I'm sure it was only yesterday!

I've only ever had two home deliveries from Mr A and both were shocking, I will never use them for home delivery again! I've never had a problem with Mr T, Mr S or Mr W. As a rule it's Mr T these days unless one of the others send me any vouchers!

Love to you and jelly xx

Westie983

I going to try Mr A as I haven't used them yet, then try Mr L for little bits, I still use Mr T for yellow stickers as they do amazing reductions I can get a trolley load for under £10, only when I can fit in freezer mind. But as Ive been unable to get out online has been the only option.

hohum

liltdiddylilt wrote: »

Oh yes blame away I am totally utterly in love with mine. I got the education discount thanks to a lovely (3) friends on here! Still an awful amount of money to spend in one go. People keep saying, yes but they easily last 10 years if you look after them. And I am thinking... Number 1 I have a 2 year old, and Number 2 I am a clumsy oaf, and Number 3... That is still £100 a year?!?! :eek:

Glad someone else understood my ramblings. You would think I had enough of financials, spending all day number crunching at work, but it actually makes me crunch more at home!!

Ref the savings: I have a FD 6% Regular Saver account. It kicked out 5th January, £3600 plus £92.92 after tax interest. I shoved it all across into a TSB 5% current account to get the best interest for it, and on the 6th January I reopened the FD Reg Saver and deposited the first payment to it. The max you can put in is £300 a month So the main bulk is easy access but still earning well, and I will continue to save this year from my wages. The reason I moved it so far away in terms of ease of access to current accounts (I have 4!) is so that I didn't end up using some of that to fund the new one. Like I did last year

Yay to full pay! That is why I am so desperate not to have a sick day

Ah but you'd pay more if you were renting / borrowing to have it, and if you're like me you use it every day. I have to say I may have cried when my little ibook went down but I did get 10 years out of it. It was pretty obsolete by the time it went pfft though!

You are very good at finding good savings rates. Right now boyfriend and I have money floating across our four current accounts (my current, his two current - pressured into getting a second by Halifax when he wasn't effectively managing his accounts, grr, and our joint account). We make about 70p off our Santander joint account . I think we're both a bit scared to move money out of the current accounts, having been bouncing around in overdraft for so long. I think he stuck £500 into his Halifax saver, the interest is only 1% but it's better than nothing.

I have a First Direct regular saver, and an esaver ISA that have both tanked to poor rates. Although..might be worth setting up a regular transfer to the First Direct. Hmmmm!

Westie983

Sounds like regular savers are good but looking to utilising the bank accounts instead as they are giving a better interest rates than the regular saver especially if you're taxpayer is 20% of the interest is taken.

As you say every penny counts in with 1% interest

liltdiddylilt

Ah Hohum I dread the day already when mine goes pfft... :eek: and I will cry buckets. Did you replace with a shiny new one? Hopefully by the time mine does need replacing I will be a millionaire from all my current/savings account hops

Westie I love my regular saver. 6% can't be beaten and I would be charged 20% interest on the current account interest anyway, so 6% beats 5% any day My overflow cash is in 5%, but it just means I am earning the max interest I can as, like Hohum says, ISA rates are horrible! Not worth it although when I have enough extra savings that I am unlikely to touch I will probably open a stocks & share ISA with Fidelity FundsNetwork as I use this a lot for work and can pick the best funds for me and switch as and when necessary. Will hopefully earn me some decent interest

Today I have been lazy. Dropped Jelly off and had a mooch around the shops, sans purse so NSD intact. Came home had cheese on toast and played some Mario Karts :D and have just got in bed with my electric blanket as I am sure it is cheaper to run than the heating for the entire freezing cold flat!

Did tonnes of ironing last week so no need to iron clothes for work tomorrow, so am just going to chill and figure out how to make bread and butter pudding with leftover stollen. And maybe bake some cookies from the dough Jelly & I left in the fridge.

Have decluttered half a Choc Orange this morning so feeling virtuous... *snort* :rotfl:

sashybo

Sounds like an excellent morning to be fair Lilt.:rotfl:

liltdiddylilt

Isn't helping my calves though Sashy... :rotfl:

sashybo

But Lilt it's obviously all the walking you do making them *robust* and *sturdy* calves!!:D

liltdiddylilt

I used to tell myself it was muscle as they are quite defined... (think Worlds Strongest Man) but I think they are plumped up from below with chocolate oranges...

I am just having a bit of a throwback Tuesday. Listening to all my old music as I decide what makes it onto the Macbook from my external hard drive..