This is it *ping* lightbulb!!!

kindofagilr

Also since getting my bread maker in July I've not bought a loaf of bread, I've made them all

Just done my asda price guarantee check and they owe me £6.28 yay that's nearly £9 in two weeks xx

kindofagilr

Some more positives, I remembered we have a nectar card from when I loved at home with my mam as their was a sainsburys nearby, there isn't one here, checked the balance the other night and we have £16.15 to spend I see that you can use it at argos, and they have 3 for 2 on their toys and games at the minute, so I'm going to get some of the kids presents next weekend.

My colleague at work just joined sky and she used my referral link so we have £100 worth of tesco vouchers on the way.

We have £52.50 available in our tcb account, and £52.50 due from quidco (this isn't showing as payable yet but I've had a message from quidco to say it's on it's way) so that's £105 altogether, we are keeping it in there for Christmas, so so far we have £241.15 in various places for Christmas wether it be presents, food or clothes

I have 30 things listed on ebay which are ending tommorrow, so far only one thing has a bid on lol a few have watchers, I'm hoping tommorrow there will be more interest in them

Hope you are all having a good weekend xx

brizzledfw

Liking the grocery shopping strategy and the 30 items on Bay of E! Well done you!

Have a great weekend

kindofagilr

Thanks Hun, I'm really liking my new grocery plan

I hope things are well with you xx

kindofagilr

Hmm I'm confused about how to do my budget for december/january

We have two bank accounts, one account has our wages paid into it and the bills come out of that, the other account has our benefits paid in and we use that for shopping, petrol and kids clubs.

As our Tax Credits is paid 4 weekly we are due a payment on the 3rd dec and the 31st dec, now normally, I add up what we need for shopping, petrol, overdraft fees, kids clubs, then I take away the benefits (tax credits and child benefit) then that tells me how much we need transferred from the bills account.

But as I am getting two payments of Tax Credit that month I'm unsure how to work it out???

I dont know if that makes sense? xx

kindofagilr

Just checked my usage on giff gaff this was the first month of using giff gaff and I chose the £10 goody bag, so I've used hardly any of my allowance, so I've just changed it to the £7.50 goody bag yay

kindofagilr

Just made £10.94 on ebay yay 20 didn't sell but have been relisted for free xx

chevalier

Hi there
Just read through your diary. You aren't letting the debt go up, so remember that if you get a bit down about not doing overpayments. Ref the two benefit payments in December, can you do without one of them? If so ignore the 31st December payment, and pay across the ususal amount out of the account. then you have a little bit of a buffer for you for the next year.
good luck
chev

kindofagilr

Thank you

You are right and I do need to remember that, going to make a concious effort tho to at least overpay by £5 a month, cos I am sure that will help

Thanks I will have a look and see if I can do that, cos technically it should be extra money so I should be able to pull it out, maybe once we get to december I will be able to figure it out easier xx

kindofagilr

OH went to buy a car seat for our DD from argos (a spare needed for when I'm at work and she is with her grandma) was £29.99 great I thought we have £15 worth of nectar points we can use towards it, but when Oh returned home the nectar card hadn't worked the woman swiped it and tried to keys the numbers in but it wouldn't accept it, so we ended up paying the £30, need OH to ring nectar and find out why it didn't work

On the plus my £100 tesco gift card came (from my friend joining sky and using my link) even better I see that it can be used online, so that's good as we don't have one that close to us lol