Enjoying Life's Indulgences Together Everyday

Sarahdol75

cheer1eader wrote: »

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

Thankyou, have put in my basket.

Miffie, your car is lovely, red is a good colour, we used to have red, then changed to silver, and I hate it.

karlie88

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.

Wow...that's a fantastic story.

:T

I also wrote a little story on another thread about a year ago...some of the facts have changed now (like owning my own house)...but the principle remains the same.

---

I started saving when I was 5 years old. I used to get 50p pocket money per week for a few years and then this went up to £1. Pocket money carried on until I was about 11 years old. However, I never spent a penny of it! I always saved the money. My friends would go to the sweet shop after school and buy cans of fizzy drinks, ice cream etc. I was never really interested in sweets. A few biscuits or a slice of bread and jam would be my evening treat...which was sufficient/satisfying for me.

Then when I turned 16, I got a part-time job at a pharmacy. Between the ages of 16 and 22 I ALWAYS worked at the pharmacy during the summer holiday period, Christmas period and Easter period. The manager knew that staff members always wanted their annual leave entitlements during these periods of the year; hence, availability to work for me. Now depending on the stage of my education, the number of weeks I worked per year was anything between 10 weeks (during college) or 20 weeks (during my first 2 years at university). I worked, on average, 35 hours per week with a few Saturdays and Sundays every couple of weeks. 95% of the money I earned at work would go into my ISA/regular savings account.

On top of that, I would also get the Education Maintenance Allowance during my 2 years at college. I was entitled to £30 per week because I came from a single-parent household. Approx. £25 per week was put into a savings account.

Now you're all probably thinking 'what a boring life'! But I never think for a single moment that I led a 'boring' life. I lived in the country and I found that there were plenty of things to do with minimal spending. For example, going to the beach, walking along the estuary, climbing mountains, walking along the lake, going to the park, cycling, going round to a friend's house or even fishing! (annual rod licence for a junior was about £5 and we had a neighbour who kindly allowed us to use his fishing rights).

After college, it was then moving on to higher education! Always wanted to be a doctor so I worked hard at my A-Levels, got 4 As and got a place at medical school! I was lucky and got 3 offers from 3 different medical schools. I based my decision on finance! One medical school was able to offer a £5,000 scholarship per year of study (due to household income and A-level grades) whereas the other medical schools were offering £1000 per year. The decision was pretty easy to make in the end, the courses were pretty much identical in the way they were taught/delivered and I would end up getting an MbChB degree regardless of which medical school I went to. I studied for 6 years at university and got my degree last year (with an extra degree in between). And I'm now working as a full-time junior doctor.

So what am I trying to say? Save early! The earlier the better! At this moment in time I own my home (no mortgage). I just want to highlight that it can be be done; but you need to be determined.

So I echo the advice of the people above. The time to save is when you're young, living with parents, have no mortgage to pay, bills to sort out, have little/no relationship commitments etc.

By the way, I don't drink alcohol and I've never smoked; significant factors when you're saving up for a new home! I always walked to school and college or to go and see my friends. Never got the bus/train/taxi. Little yet significant savings over the years.

aau1

ilovetoshop wrote: »

Just sat in car park and phone is about to die but haven't seen it mentioned on here but the dr dre beats solo are reduced from £129 to £49 in tesco.. Also over charged on a leg if lamb... Supposed to be better than half price and also got a price porkie with it so just going to check resist if I can

Don't resist. . Go ahead and check the receipt

Lots of dtd opportunities about right now. :money: Should be easy to generate a few HHs :cool:

ilovetoshop

Tesco Asda
Tesco comparable total
Competitor shop total
The difference

£30.24
£25.13
£5.11
cost less
1x SATSUMA PACK 600G £1.00 n/a
1x TESCO GALA APPLES MIN 5PK CLASS 1 £1.00 n/a
1x FRESH LAMB WHOLE LEG-PRICES SHOWN PER KG 5.108kg £25.54 £20.43
1x ONE DIRECTION ZIP BANDZ £2.00 n/a
1x BEATS BY DRDRE HD HEADPHONES TALK WHITE £49.00 n/a
3x T. WHOLE MLK 2.272L/4 PINTS £3.00 £3.00
2x KINGSMILL 50/50 400G £1.50 £1.50
1x BARRATT FLUMPS 12G £0.10 £0.10
1x HARIBO KIDS MIX UP/ STARMIX P/M £0.10 £0.10
1x WILSON NFL EXTREME AMERICAN FOOTBALL £9.50 n/a

Lamb was cheaper at Asda

zippydooda

aau1 wrote: »

This isn't a random till spit of £3off£20/£6 off £40. This is a promo for anyone who spends £20. It shouldn't be luck of the draw

but will I get one with £50 of 3v cards

karlie88

zippydooda wrote: »

MIFFIES NEW BABY.

something to take me to sada in I suppose.

Nice car!

What are the engine specs? And BHP?

Who's miffy?

zippydooda

work now, bye team:beer:

Wheres_My_Cashback

Supermarket giant Asda will create up to 12,000 UK shop posts over the next five years, its US owner Wal-Mart has said.

The strategy of the UK supermarket chain has the potential to create the posts, Wal-Mart said.

The announcement came after Wal-Mart chief executive Doug McMillon met Prime Minister David Cameron in an Asda at Clapham Junction in London on Monday for a spot of wombling.

Mr Cameron said that the new jobs would "give people financial security".

"I am delighted that Asda is continuing to invest heavily in the UK, creating another 12,000 jobs that will give people financial security for the future," Mr Cameron said.

Mr McMillon said: "A seismic shift in the structure of the retail market is underway - not just in the UK - but right across the world. Asda recognised the change in its market and took early action to develop and implement a strategy that will see it grow - creating more new jobs and bringing real value to more customers in the UK."

BBC business editor Kamal Ahmed said: "This is the first time Asda has put a jobs number on its five-year strategy, which it announced last November. The jobs are a cautious estimate and could be higher."

Asda's five-year strategy announced 40 new conventional superstores, 100 new supermarkets, 150 forecourt shops, 1,000 new click-and-collect points, greater online penetration and a continuation of DD Wednesdays.

http://www.bbc.co.uk/news/business-26918527

zippydooda

karlie88 wrote: »

Nice car!

What are the engine specs? And BHP?

Who's miffy?

sil posts on here.:)oops miffie lol

eightieschick88

cheer1eader wrote: »

what's the belvita offer? thanks

As zippy said, buy in 2s, multi not showing but 2 for £3 instore, 8 gives you an APG of nearly £10 if you want to keep under the radar. Lots of different flavours so less fillers. Not sure how long offer is on at Sainsbobs or how long the offer is on at sada but its good to go for today at least.

creamcake7 wrote: »

thank you for posting results ...wonder if I should risk a cc for tommorrow ?

You're welcome, not sure how long the sada offer is on instore which will depend on what you get charged for C&C.