Enjoying Life's Indulgences Together Everyday

karlie88

davemorton wrote: »

With these current accounts, do you just have a carousel of direct debits from one to the other to satisfy the criteria for money going into them? MT

Tesco Bank is your answer:

http://www.tescobank.com/savings/savingsaccounts/internetsaver/index.html

emerald21

davemorton wrote: »

No, they are just the pages where the donations are made. You choose the charity

Right well a cancer charity would be a good one then.

emerald21

emerald21 wrote: »

Right well a cancer charity would be a good one then.

As in research. This has all caught me on the hop lol

davemorton

I have sent you one more PM Emerald, last one, I promise

pattylabelle

karlie88 wrote: »

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'.

First Direct is outstanding......I have their offset mortgage- best move I ever made in my financial life.

mhoc

emerald21 wrote: »

Oh dear lol I'm sure your skins not that bad. I use different ones £1 shop and the Est!e Lauder samples. Have they given you some in a small bottle, they last ages. I begrudge paying ridiculous prices when you don't know if they will work or not. I'm waiting for the sun to tan my face then I won't be wearing any.

This is just it, if we get a good enough summer when everyones faces are red hot and sweaty, no make up stays put it all slides off so then its only worth using SPF tinted moisturiser and sun bloke and no point in full make up.

I really annoys me that both these bottles have sealed tops so you it makes it difficult to get inside to scrape the last drops out without a hacksaw

Anon

Is it just our Waitrose that has started doing small latte in the normal size cup? Apparently 8oz I don't want to sound ungrateful as it is free but ...

Anon

Nannylala

Good evening just done an Arthur and had five minute shut eye;)I often wonder what happen to him ,but nice to see Doc Karlie back:hello:
Enjoy your Sat evening

karlie88

Anon wrote: »

Is it just our Waitrose that has started doing small latte in the normal size cup? Apparently 8oz I don't want to sound ungrateful as it is free but ...

Anon

Are you the same Anon who posts deals on 10 ways?

rhosynbach

evening all hope the elite are well xx
i am so sorry about your cat iamdebtfree x

thanks to everyone who arranged the sweepstake, so lovely to see everyone getting together to raise money for a good cause and have some fun :T was on my old phone keeping up with everything but could not post as rubish phone, it was really fun and encouraged me to have a bet through topcashback did not win but in profit with cashback so :j:j

well done to emerald and leothecat