Enjoying Life's Indulgences Together Everyday

karlie88

Savvybuyer wrote: »

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:

:rotfl::rotfl:

So when is Chapter 2 going to be published? Later tonight again?

:rotfl::rotfl:

Queenriderbrekke

lawrie28 wrote: »

I liked the postman this morning.

Big lunch welcome pack - FOC
BASF Farming T shirt - FOC
Disneys Frozen on DVD - FOC through Topcashback
Lee Child signed bookplate (author of Reacher books) - FOC all the way from the US of A

.:j:j:j:j:j

Ohhh! Where did you email/send toget the bookplate from hubby is a Reacher/Child fan :T

cheer1eader

Sarahdol75 wrote: »

Thankyou, its not actually ribbon on the bone, it is the same stuff, just coloured, its really quite stiff, but no dont mind you saying at all, any suggestions welcome, all a new learning curve for me.

this is the best toy i got for my puppies http://www.amazon.co.uk/Rosewood-Petstages-Cool-Teething-Stick/dp/B0009YJ3QE/ref=sr_1_2?s=pet-supplies&ie=UTF8&qid=1396873004&sr=1-2&keywords=petstages+toys
you stick it in the freezer & is fab for when they are teething mine all loved it

zippydooda

cheer1eader wrote: »

what's the belvita offer? thanks

see post 6304, most if not all 6 packs are 2 for £3 in sada but multi not seen on apg. buy against sains. for very cheap outome

thanks to patty

cheer1eader

zippydooda wrote: »

see post 6304, most if not all 6 packs are 2 for £3 in sada but multi not seen on apg. buy against sains. for very cheap outome

thanks zippy i'll have a look now :j

miffie2

Saversue wrote: »

Ooooh very nice, is red the new white?
does she have a name yet, my cars always have names.
Very first one ( Triumph Herald) was called Ethel after the Grandma of the person it was bought from - because like his gran she just kept going :rotfl:

Im thinking Red is the New White Saversue she is lush so nice to drive very smooth very very quick too.... Have'nt got a name yet i am spoilt for choice and not sure what to go with but she will have a name very soon i'm sure

karlie88

Savvybuyer wrote: »

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!

:rotfl::rotfl:

It's good to see that you're a Savvybuyer as well as a Savvysaver.

:):D

karlie88

Savvybuyer wrote: »

Once I have it up and running fully, I'll have one merry amount doing a trip through all the accounts on one day, before ending back in the highest-paying interest current account.

It is fun!:D

I agree!

:T

karlie88

lookinforabargain wrote: »

Morning all

Early start for me this morning, currently sat on a train bound for Kirkcaldy, off to meet my dad and collect my new car :j

Sarah Millican was hysterical last night, full on proper belly laughing was brilliant Well worth the wait.

Might take in a couple of T's on my way home as well, I'm on my own so the world is my lobster

Ooooooh what car?!

aau1

zippydooda wrote: »

I though you were putting a Scottish slang word in for a minute meaning "no" then you listed them and I realised it was a typo

Yup. just fat fingers

This moc should stack nicely with the HHs that are on this week (spend. £20 get £5 off £40)