Enjoying Life's Indulgences Together Everyday

fairclaire

Good morning

My plans for a gardening day are also scuppered by the rain No shopping for me today, I only need sugar which someone else can go and buy seeing I never use it. I'm still expected to know when we haven't got any though!

Sarahdol :j:j:j How exciting! The photos are fab!

Mhoc, fab post. Thanks for sharing your story :A

LFAB....happy new car!

davemorton

Awwww, thank you Sarahdol! Adorable!!

cheer1eader

morning all :hello:
just had a UPS delivery from toys r us sent in a jiffy bag & the boxes of the toys are crushed to bits :mad::mad: & had skylanders delivered from amazon where the toys were opened already!:mad: not having a great morning so far & DS3's birthday on friday so not sure if i can get these rectified in time
hope everyone else is having a better monday

bubbs

Belvita working buy in 2's thanks to dip for checking apg for me

cheer1eader

Sarahdol75 wrote: »

awwww you got him :j what's his name sarah?

Saversue

mhoc wrote: »

No mine is def only in my name and it has a R85 on it and the balance is over £2500 with £1000 going in and out each month.

The interest is paid monthly and it's always around the £20 mark depending on number of days of the month.

I wonder what I am doing that's special?

If I get a chance later I will make a list

5% on £2.500 is £120 minus 20% tax = 100 divided by 12 months = an average of £8.33 interest per month.
So how do you get £20?

matty17r

bubbs wrote: »

Maybe be poor in money but rich in kindness xx

I second that! What a lovely post Bubbs. If we were all rich we wouldn't have so much fun as we do on here would we?

Enterprise_1701C

dipdap wrote: »

morning all.
Phone, tv and internet all out this morning so only mobile phone access for me
got a nice virgin man working outside to fix it :d

proof


My smilies aren't working

Some are, some aren't

matty17r

mhoc wrote: »

I came from a very poor background, both parents came across to the Uk in the late 1940s and early 1950s with nothing whatsoever, they both had menial jobs but where very hard workers. They bought there first house in 1956 , always had a mortgage and never lived in rented accommodation, they spent nothing whatsoever on themselves but we always had a holiday, chalets in North Wales but it was a holiday.
They could not afford to keep me in college so I was working at 16 and I had my first mortgage at 19 so I've been shackled with mortgages, bank loans and credit card debts over the last 30 years or so whilst at the same time caring for elderly grandparents, parents and offspring and finally we are out the other side.
But even so when you come from this background being extra careful with money never leaves you.
Yes we now have an expensive holiday habit now that all offspring have flown the nest, this is Tescos fault :rotfl:
But even then we get the best deal possible. The kids went on every school trip and excursion possible so family holidays were things like holiday cottages, only once went abroad as a family
And yes we finally have savings but it's taken a very long time to get them. Circumstances meant I did not work when the kids were little so we had one wage coming in and our income was always slightly too much to ever get benefits. Were we live we had to run 2 cars so we did make things hard for ourselves but the kids have not suffered, quite the opposite I fact.
We had very little support from either set of parents, child care was not there thing and no financial support but we got through it all under our own steam.
So I will always be poor in my head, looking for the best deals, charity shop hunting, using MOCs and cashback, using up leftovers etc - that habit will never leave me.
Savings now enable us to make radical decision which will affect whatever is ahead of us.
For instance my car died last November after 10 years of faithful service so we started looking around for a replacement for me. But then it made sense to also think of OHs car which was younger than mine but it would have also needed work over the next few years and might have started to also cost serious money.
So we took the decision to trade in both cars and downsize to just one between us, getting a better quality car while they still made the car we like driving - so we got a very late model which was very high spec, this car is now out of production. The new car was paid for straight out of savings.
So now we only pay £135 road tax instead of two lots of £300 odd plus MOT and servicing on 2 cars and the new car does 45 mpg and more on long runs so we only fill up once or twice a month so petrol costs have plummeted as well.
Prior to the days when we had savings I have no idea how we would have coped with this situation.
The other thing is that when you are in the middle of the striving years it seems never ending, one crisis after another after another, if its not work problems, it's the kids or aged relatives or car problems or house problems but finally it does get better you just have to hang on in by the skin of your teeth, it just takes an awful long time.

Another lovely post. I really should be doing my car insurance - why do I have to come on here first and not get started. Now it's nearly lunchtime. Lucky you mhoc getting £20 interest on nwide. I definitely am only getting £10. Still every little helps. However, I just wish I could keep it all in a bond but it is a mental challenge that keeps our brain active with all these different accounts.

Sarahdol75

davemorton wrote: »

Awwww, thank you Sarahdol! Adorable!!

He is just so adorable.

Just spent 10 minutes out in the rain, trying to get him to wee, and we walk back in and he does it on the floor, oh the joys :rotfl::rotfl::rotfl::rotfl:

cheer1eader wrote: »

morning all :hello:
just had a UPS delivery from toys r us sent in a jiffy bag & the boxes of the toys are crushed to bits :mad::mad: & had skylanders delivered from amazon where the toys were opened already!:mad: not having a great morning so far & DS3's birthday on friday so not sure if i can get these rectified in time
hope everyone else is having a better monday

Oh no hope you get it sorted out in time.

cheer1eader wrote: »

awwww you got him :j what's his name sarah?

We called him Harley.