Enjoying Life's Indulgences Together Everyday

emerald21

fairclaire wrote: »

......that'll be about Wednesday then

Only joking Emerald

Lol I never win anything. I m having trouble with my internet, it keeps dropping .I ve only just got back on but for how long I don t know. I don t mind where the money goes .

princessmelody2009

I'm good tanku Lady bubbs how are you? Just packing stuff up atm, gave some stuff to Mind charity shop earlier which felt fab I think I'm throwing out more black sacks of rubbish than I am packing boxes :eek::rotfl:

mimi1234

davemorton wrote: »

Emerald21 & Leothecat won. See below for where to donate the money.

Thanks for that. Feeling generous so trebled the fee. Woohoo. Well done to the winners. Thanks to whoever sorted it all out. Much appreciated. :D:D

karlie88

mimi1234 wrote: »

Good Lord. That sounds scary. You've given me the willies talking about that many cards and accounts! I struggle with my bank card and credit card. How do you manage lovey?

Bit of organisation; that's all.

I only use one of those debit cards on a day-to-day basis; most of my spending is done with a cashback credit card.

The other debit cards can be used to create free Graze accounts where you get the 1st box for free plus £1 cashback via TCB/Quidco. Several debit cards also come in handy when you have the Amazon/ASDA/M&S Bespoke £10 giftcard offers.

I have a spreadsheet of all my bank accounts/savings/investments.

If you have some savings knocking about then the gains are definitely worth it. As I said before, I was earning approx. 1%. Now I earn:

- 6% with First Direct (regular saver; via its 1st account)
- 5% with TSB Plus (x 2 accounts)
- 5% with Nationwide
- 4% with Lloyds Club account (also gives access to a 4% regular saver).
- 4% with Clydesdale bank (x 2 accounts)
- 3% with Santander 123 (x 2 accounts)
- £5/month with Halifax's reward current account

Also remember, a couple of these accounts had joining incentives (for example, FD had £125 added to your account, Halifax had £100, Lloyds give you 6 free Vue cinema tickets). Santander also gives you cashback on your council tax bill, water bill, phone/internet etc.

Whilst it seems like many hours of work (and it is; especially when opening these accounts), the real benefit comes now; with minimal effort. I probably put in about 15 minutes of work every 2 weeks to check all the accounts are 'running smoothly'.

bubbs

princessmelody2009 wrote: »

I'm good tanku Lady bubbs how are you? Just packing stuff up atm, gave some stuff to Mind charity shop earlier which felt fab I think I'm throwing out more black sacks of rubbish than I am packing boxes :eek::rotfl:

Aww bless ya, do you know yet when your going? and where too?

emerald21

davemorton wrote: »

Not yet, just waiting to hear from Emerald21.

Sorry internet s been down for about 3 hours :mad:

fairclaire

emerald21 wrote: »

Lol I never win anything. I m having trouble with my internet, it keeps dropping .I ve only just got back on but for how long I don t know. I don t mind where the money goes .

Is there not a cause that's close to your heart, or a charity that you like to support?

davemorton

emerald21 wrote: »

Lol I never win anything. I m having trouble with my internet, it keeps dropping .I ve only just got back on but for how long I don t know. I don t mind where the money goes .

You have a PM Emerald.

karlie88

zippydooda wrote: »

dw wants to know what it is, have you got a link please

http://groceries.asda.com/asda-webstore/landing/home.shtml?cmpid=ahc-_-ghs-sna1-_-asdacom-dsk-_-hp#/product/6037108

karlie88

Enterprise_1701C wrote: »

Hi Karlie, how's the car?

Car's good thanks.

The new 2014 Nissan GT-R is out now. *drools*

There's a Nismo version of it aswell; can't justify the extra £40k for it though.

Plan is to buy a '2nd hand' one in about 6 months.