Enjoying Life's Indulgences Together Everyday

zagubov

It's 28 years since this lady joined her band! :eek:
https://www.youtube.com/watch?v=ubvV498pyIM
:beer:

purpledonkey

fairclaire wrote: »

Yes thank you. Are you? Any light at the end of your work tunnel yet?.......please don't turn that into something rude! :eek: :rotfl::rotfl:

Tired but ok, this week I'm driving between London and Oxford so looking forward to late starts and early finishes (I won't corrupt your post if you don't corrupt that last sentence ). After May the 4th (be with you), I'll be looking for work again on revenge of the fifth so as knackered as I am, going to take it while I can get it. (I give up, too many innuendos :rotfl:).

vanilla_twist wrote: »

Thank god DM has gone to bed:D

Both my rugs sold on fleabook:)
V x

:T in my house we call it 'sitonmyfacebook' :rotfl:

Savvybuyer

tbw wrote: »

Thank you ! If my wine soaked brain is not totally addled do I understand that I need to open a Nationwide Flex account with £2500 , set up a standing order on my First Direct account to pay in £1000 every month and another standing order to transfer £1000 back into my First Direct acoount a few days later ? Effectively the same £1000 cycles between the 2 accounts and I get 5% on the original £2500. Or am I completely daft ?

Oh I have this running now between my six bank accounts - I know some on here beat that number, I hadn't got it completely in tune due to a change in payment date, so I've had to set things up manually this month - easy enough, just log in to each account you have and transfer whatever reaches the 'trigger'(:D) for the interest or reward on the account it's going to. You can do same day - but I'm aware of issues of funds not being 'cleared' etc. But, these days, with fast payments, they are there almost instantly. Lol - I have one account logged into, transfer to the next, which I also have logged in on a separate screen - and transfer and immediately the amount goes up to the dead on £2,500 for the Nationwide account:T. I'm trying to run the Halifax one down though, as I get nothing other than the £5 'reward', there is no interest on the account so the £750 (or £1000 that immediately goes onto elsewhere) gets taken straight to another account, as no point keeping money in the 'reward' account gaining no additional interest.

Just aware that you have to have 2 direct debits for the Halifax, I did have one of my big utility bills coming out of there and a lot of others due to it being my main account (before Lloyds and separately 2xTSB now) but I've now moved that bill away (did the whole process myself as didn't want to switch everything - no switching reward from the non-Halifax account), along with all - I was on the phone, inclusive call after inclusive call - switching them except for the two lowest DD amounts, which I have going mid-month so just need to transfer a few quid back over to Halifax to pay them out (do not ever go overdrawn as it wipes out the £5 'reward' and even worse on top). That's what it will be anyway - as one had already gone early in the month from the Halifax, I switched more away, to meet the Lloyds 2 DDs qualifier for the interest - to be switched back again to Halifax next month to put Halifax on two per month:D, whilst the others now meet the Lloyds threshold.:rotfl::rotfl: They love me...!! These bill recipients. Never know where they are taking it from one month to the next:rotfl::rotfl:.

Just beware though that if your pay-day changes (you don't even need pay day, can just keep transferring back and again what you've already got, as long as minimum needed i.e. £1,500 for Lloyds is transferred in, that previously got transferred out earlier that day), it's per calendar month, so make sure somewhere in each calendar month the Halifax, for example, gets £750. Resist completely any attempt to get you to 'upgrade' (their promotionally-language-loaded term) as it is to an account that charges a fee, which is where they make their money. I've had occasional cashback offers of late, e.g. 5% back WYS at such and such retailer but one of them I would never use and wanted the offer to expire at the end of the last month. I have no cashback offers at the minute; apparently, I need to use my debit card more in order to get a chance of getting some:eek:. Aau1's advice with Sainsbobs petrol though has been very helpful here:T:T - I filled my tank with a much lower amount than I did before but done so on several occasions, so hopefully that continued use will now prompt a Halifax offer as I've been using my card more:rotfl:. (The remaining amount I had left in the account.)

Sadly I saw the advice just after I'd put £40:eek: into the tank. The next coupon I got wanted me to spend £30:eek::eek: to get £3 off. At least it stopped me from taking them up though - if it were £20 I might have spent £20 (and £10 BM but still spending far more than I needed), whereas with the £30, I spent nothing!:j:j They've not given me any till spits out of the fuel station since:(, having to refuse any such reduced offer if they arrive in future and may take a while to get them back to £20, then they'll probably now go to £2 off £20 rather than £3 off. It really does pay to spend less and less - the more you take up an offer, the less well they make it. I need to spend far less with them to get them to up their offer:j. So, saving both ways!!:T Not spending unnecessary money in their stores and, by spending less and refusing to use coupons after coupons no matter how many try to convince me to have just a few quid off for spending way more than £20, I just need a little bit more encouragement, S, by a better offer:rotfl::rotfl::D.

[Edit: Wow - I wrote a life story there:rotfl:. Again:o:rotfl::wall::rotfl:.] Now - was that helpful?;):cool:

purpledonkey

Thriftygifty wrote: »

Evening everyone. They look yummy I'm rubbish at swirly icing, can I ask what an indie market is?

Had a lazy day today with DH don't get chance to have many of those so much going on in our little world and feel constantly stressed and worried all the time and I mean 24/7 which seems to keep escalating at the moment and I dont know how to make it stop. We are due to move soon into a bigger house that has a larder and loft etc it will be more money but cant wait I feel at the moment that if anything were to happen then we have enough supplies to last about a week and then that's us done, and it worries me, is that silly? I dont think watching BBC news at the moment with drones with taser guns attached is helping :rotfl::rotfl:

Essentially it's not a regular market, it's run by people who live in a warehouse community. You meet some interesting people there, that's all I'm saying!

purpledonkey

zagubov wrote: »

It's 28 years since this lady joined her band! :eek:
https://www.youtube.com/watch?v=ubvV498pyIM
:beer:

Hows abouts some Adam Levine and Lonely Island?

https://www.youtube.com/watch?v=z5Otla5157c

davemorton

Shattered, night all.

Savvybuyer

Not quite got the train this month - as my salary still went into my Halifax (on 31 March) rather than one of my newer accounts. So it went £1000 Halifax-Nationwide (meeting the £1000 needed for Flex) on 1 April, then I logged in after that had gone through, to Nationwide, and transferred the £1000 back to Halifax:rotfl: (met their £750 for the new month). Whereupon the £1000 got split into two separate £500s that went to each new TSB. Meantime, some other money went from Yorkshire to Lloyds and some from Nationwide will be going back to Yorkshire again later in the month (meeting their payment-in) as my year is up on 20-something of April! Bingo!

vanilla_twist

purpledonkey wrote: »

Tired but ok, this week I'm driving between London and Oxford so looking forward to late starts and early finishes (I won't corrupt your post if you don't corrupt that last sentence ). After May the 4th (be with you), I'll be looking for work again on revenge of the fifth so as knackered as I am, going to take it while I can get it. (I give up, too many innuendos :rotfl:).



:T in my house we call it 'sitonmyfacebook' :rotfl:

Ha ha, all money in the 'running away' fund.

Oxford is not a great drive:( but on the otherhand you will never be that far from home.
V x

fairclaire

davemorton wrote: »

good evening young assistant

Been drinking have we? :rotfl::rotfl:

tbw

karlie88 wrote: »

Pleasure.

That wine has definitely frazzled your brain a little...

...it's Karlie...not Kylie.

:rotfl:

Sorry Karlie, the wine has clearly booogered up my eyesight !