I've had the worst of times - now for the BEST of times!

jwil

peaceandfreedom wrote: »

This is exactly the breakthrough I have had and it is exactly the problem I had - £400 left in my bank account - I can carry on spending then . Now I know exactly what I can spend and my current bank account balances are not especially relevant.

That's not a problem for me as there's never anything left

I think I'm more likely to get on with piggybanking than having all the money in one account.

peaceandfreedom wrote: »

I'm a bit under the weather today if the truth were known . On the plus side, it means that getting back to healthier eating has been a bit easier .

Couple of jobs to do then I think I'll have an early night.

Hope you feel better today

liltdiddylilt

The difference I find jwil, is that my money is in all the pots it needs to be in, virtually piggybanking as such, but then I manage to gather a good amount of interest by holding that money over 4 current accounts and a regular saver, earning me 6%, 5% etc. I would find it impossible to match or beat those rates by either having 10 basic bank accounts, or physical piggy banks

I think it is a case of suck it and see. There is a free trial for 30 days with no obligation to buy and a lot of free blogs/videos etc. So try it, and then if you don't get on with it you've lost nothing personally I've gained a fortune in unspent grocery money :rotfl:

jwil

liltdiddylilt wrote: »

The difference I find jwil, is that my money is in all the pots it needs to be in, virtually piggybanking as such, but then I manage to gather a good amount of interest by holding that money over 4 current accounts and a regular saver, earning me 6%, 5% etc. I would find it impossible to match or beat those rates by either having 10 basic bank accounts, or physical piggy banks

I think it is a case of suck it and see. There is a free trial for 30 days with no obligation to buy and a lot of free blogs/videos etc. So try it, and then if you don't get on with it you've lost nothing personally I've gained a fortune in unspent grocery money :rotfl:

That's true, I hadn't thought of the interest.

I thought I'd seen there was a free trial, I'll have to give it a go.

peaceandfreedom

liltdiddylilt wrote: »

Oh

Feel better tomorrow hun. Is it something you can put your finger on or just an argh feeling?

Am off to sleep myself. Tomorrow is another day xx

Have been generally under the weather for a while, just the bugs that's been going round but hard to shake off.

I think I'm beginning to see the back of it now.

peaceandfreedom

Well it's late and I promised myself an early night but it's already 11:15.

The good news today is that my amazon trade-in books were all accepted so now my gift certificate balance has gone up by 16 quid and I'm expecting a promotional code from amazon to add another fiver to that. :beer:

In further good news, it seems I am due a tax refund this year instead of having to fork out. Hooray, hooray, thrice hooray :j. It's not very much but it's more than I needed to raise in order to meet my car bills so I am a very happy bunny . I will still try to raise some cash on ebay as well though and continue with my decluttering efforts.

This evening I was in the very odd position of having too MUCH money in YNAB and couldn't decide what budget to assign it to (savings, of course, I have none ).

Have started buying some seeds and that is VERY exciting - especially given the appalling weather lately. The wind is going to blow the house away in a minute, I reckon :eek:. It is such fun planning what I'm going to grow and imagining all those sunny days in the greenhouse with Radio 5 Live on the radio. When you see those first seedlings poking their way above the compost - that is such a good moment.

Until tomorrow my friends .

jwil

Great news about amazon vouchers and tax refunds!

liltdiddylilt

What an exciting post!! Tax refunds... I have only ever had one of in my life!! And yay for seedling thoughts.. I am plotting away for next Christmas already crazy as that sounds :rotfl: - making lists, checking them twice... hahah!

Have a lovely day!!

in_need_of_direction

I'm not allowed to mention the c word until September.

liltdiddylilt

There was a September not that long ago...

in_need_of_direction

Love it