Breaking Through, Travelling On

Goldiegirl

Well done on the book, I love it when something unexpected happens to raise money:)

I joined TCB in the summer and have only used it once for a small purchase, but I haven't been buying much online recently. But it's there if needed, and like you say, would be useful for matched betting.

I was looking at a couple of MB guides late last night, and dreamt all night of lay bets!:eek:

Next time I do research, I'll do it during the day:rotfl:

Karmacat

Cheery_Daff wrote: »

Good work there lass! :j

:beer: Twas enjoyable

carbootcrazy wrote: »

Congrats on the book sale, Karmacat:T. I sell a lot of stuff on Amazon (rather than eBay these days) and it's always a bonus to buy a book, get plenty of use out of it and still sell it for pretty much the buying price.:j

I always post 2nd class (after all, that's what Amazon expect and tell us to do;)) but I make sure I post it the same day or at the latest the morning after receiving the 'sold' email. The only time I send 1st class is when it is so small and light that it will go as a 'large letter'. As the buyer has been charged £2.80 by Amazon for the postage I wouldn't want them to give me bad feedback for overcharging:eek:

P.S. I read your thread avidly (am subscribed to it too) but have just come out of lurkdom to join in and post.

Hello CBC, thank you for popping out of lurkdom! And subscribing in the first place Book has gone - first class was only 40p more expensive, which was slightly confuzzling, but I stuck to my principles so when my £10.19 arrives, I'll send it on its way to the savings account and round it up to £11.

Goldiegirl wrote: »

Well done on the book, I love it when something unexpected happens to raise money:)

I've got about 15 books just sitting there, but this was one of the highest-value ones, so I'm chuffed

I joined TCB in the summer and have only used it once for a small purchase, but I haven't been buying much online recently. But it's there if needed, and like you say, would be useful for matched betting.

I never got on as well with TCB as with Quidco for some reason, the offers were never there. But it has East Coast trains, who do the same bookings as thetrainline but without the £1.50 cover charge, so I'll do that now.

I was looking at a couple of MB guides late last night, and dreamt all night of lay bets!:eek:

Next time I do research, I'll do it during the day:rotfl:

Poor you! I'd definitely get confuzzled late at night - and I'm wondering now about being able to start on tonight's footie games, I don't think I've left quite enough time to be able to do it in a relaxed way. And making sure of my Christmas train is actually more important.

So a cuppa tea, TCB, East Coast. Might take a shufti around TCB then, see what else is essential to my wellbeing

Karmacat

Some thing you have to learn over and over again. Joined TCB (again). Joined East Midlands trains (no cashback on East Coast trains currently). And I had to make a snap decision: they have the cheapest ticket still available on one leg of the journey, total price of the return journey is £75, not £97 - thats a big saving! But I didn't take it. With my lurginess, I want the fallback of having the set of tickets thats valid for a month. A replacement ticket would cost another £100. Risk reward ratios are tricky!

Anyway, I used my credit card that gives me nectar points too - thats quite a nice wodge.

And then I looked at other vendors ... erm, Goldie, Holland and Barrett are currently doing cashback on TCB of just over 13% :eek: including their penny sale :eek: On that order I did last week, I'd have got £2.73 :rotfl:

As I say, some things you have to learn over and over again.

Goldiegirl

I saw the H&B offer on my TCB weekly email.

I might just as well give in, and become a regular H&B shopper:rotfl:

rtandon27

Goldiegirl wrote: »

...I might just as well give in, and become a regular H&B shopper...

:eek:Arrrrgghhh!:eek:

Don't do it GG - the cutomer service for their online site is beyond deplorable!

Cheery_Daff

Risk reward ratios are indeed tricky! I argue constantly with myself about advance purchase train tickets for work (when it's not even my money!! but I know we have a fixed budget). Could save a few quid - but then I might have to leave a site without having quite finished everything, or alternatively, might have to hang round the station for hours having finished early!

One day the boss said 'don't be doing that! just book flexible tickets - your time costs us money too!' Hadn't thought of it like that :rotfl:

Now I try to think of it like that for my own stuff too - is it worth saving £10 on a train ticket if I'm going to be tired, grumpy, annoyed, and spend £5 on tea and £8 on a taxi back from the station? Probably not :rotfl:

Sorry, waffling on your diary

Karmacat

Cheery, thats not woffle, not at all! Leads directly on from what I was saying I like what your boss said, very relevant

What RT said is important too - its one thing going to the shop to work this stuff out, but an online order to a shop with pricing as crazy as H&B is sort of dangerous :rotfl: you can just **guess** that their customer service is going to appalling, because they create so many problems for their customers with that pricing policy :cool: so yep, £2.73 from them isn't worth the hassle - see, more risk/reward analysis

Anyway, my risk at the moment is lurgies, and I've got one the low-energy plus snuffles kind of thing. So not that much going on here - can't believe its 11am already :eek: I don't dare book a flu jab feeling like this, you're not supposed to if you don't feel well. So I'm just going to pootle about a bit this morning, and maybe download my photos from my camera, then backup the computer - its an achievement that doesn't actually take any energy from me

Bah! Never mind, there's a lot worse off than I am.

rtandon27

Listen to your body hunny - if you are feeling pants then slow down!!!

:kisses3:

Karmacat

You won't believe quite how much I slowed down :rotfl::rotfl::rotfl:

I did download the photos from the camera - its not exactly a huge amount of work and I actually put them in the right folders, which did mean using the mouse

But then ... it started with my sister needing help with printing her boarding pass for a flight on Sunday ... and then I looked at the financial news, which is **decidedly** gloomy ... and decided I really wanted to continue working on pension provision. So (look away RT ):
- I hold some investments for my mum, and I never tax-sheltered them, because I assumed she'd need them really soon. Thats gone on so many years, there's maybe £2k lost to the tax man. Enough is enough; into a tax shelter it goes.
Further action: fill in a form that will arrive next week.
- Newcastle ISA: bonus only finished in January of this year, thank heavens, but even the rate its on now is very decent, 1.98%. So thats staying where it is, but there's less in there than I thought there was, so I've got to check my outgoings (and my pension pot will go down boo hiss).
Further action: check how much I actually sent them.
- Post Office ISA - rate was pathetic, 0.9%. So I sent off a transfer form - its within the Post Office, so it'll be very easy, still an ISA, and the rate has more than doubled, to 1.95% - Martin mentions it on the main site.
Further action: wait for them to confirm. Then check the remaining ISA, maybe transfer that to the Post Office, depending on the rate its currently getting. Its only tuppence ha'penny, so not too problematic.

Other further action: 74% of my pension provision is in stocks. Thats too high a percentage for someone my age, and I might well decide to transfer a bit more into cash, or government bonds.

Even just doing the Post Office thing has earned me £120 over 2 years, which isn't bad going for half an hour. And I honestly didn't feel like I was pushing myself, I'm really chuffed :j Writing about it now, I do feel ready to stop :rotfl: so I will :j

Thank you for reminding me to take care, RT :kisses3: Honestly, I felt like doing it, so I did it, it was good :money:

edinburgher

Other further action: 74% of my pension provision is in stocks. Thats too high a percentage for someone my age, and I might well decide to transfer a bit more into cash, or government bonds.

Investment grade corporate bonds are also considered to be a suitable choice for diversifying away from equities, as they have a negative correlation. If you ever read Monevator, one of the bloggers there is 50% equities/50% cash. I fear inflation more than I fear stock market collapses, but I am a wee bit younger than you.

Annoyingly enough, I had had a long hard think before the recent fluctuations and had decided that my risk tolerance is lower than I had assumed. I had planned to move another 10% of our pensions into bonds, but the current shenanigans mean that safehaven choices are all too expensive.

I will add the extra bonds, but not until things settle down.