Enjoying Life's Indulgences Together Everyday

redfraggle_2

aau1 wrote: »

You should do

AND then you should be able to use that when you buy more cards next week

I got 2 x today with 2 x lots of 3V card purchases. I love these!

Perranlady

Hi Dr Karlie,

Did you watch the race yesterday - Awsome!!!!!!!

cjj_2

tweets wrote: »

Good Afternoon

Think my money problems started just before I had my DS but I wouldn't be without him he is my baby and always will be.
I used to work full time in a good job and wanted to start a hour later at 9am so I could leave DS with mum and dad when my maternity pay finished. The place I worked for said 8am start or nothing seeing I don't drive this was impossible at the time.

Ex was jealous when we had DS and that's when the drinking lying etc started on his side. I did go back to work eventually part time / full time but never had any money because he spent it.

Best thing I ever did was get rid ex. Paid off all the arrears he left me in even though I thought they being paid. My son did me proud and ended up going to Uni first in the tweets family to do so.

I have since found out who my friends are and they not the friends I had when married they all sided on his side more fools them.

I am now happy having no real life friends don't need them. But loads lovely friends on the internet some more :A than others most I met on here and think of the Elite as my family.

That's my afternoon ramble sorry.

Aww tweets :heartsmil. xx

underperky

karlie88 wrote: »

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.

Two different people with two different lives


enjoyed reading both of them and sound advice


it was like a "getting to know you " themed song of Julie


Andrews ..

Mumto2monkeys

Good afternoon :wave:

Hope everyone is well..

Hula hoops still working today:)


1 x McCoy's Ridge Cut Crisps - Classic Variety (15x30g... £4.19 £2.09

Anon

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

Was Dr Beats DTD or just a good offer please?

Many thanks

Anon

Anon

karlie88 wrote: »

So....I'm between clinics and noticed the Belvita glitch.

But I have a confession to make...I've never actually done this SADA price guarantee thing. So I've just been and bought the goods along with a couple of fillers. I have some questions that I would be grateful if someone could answer:

1. I've bought the items on a SS till...does that make a difference?
2. Can I get the voucher exactly 3 hours after my purchase time?
3. Can I use the voucher on a SS till?
4. Are they easy to redeem or do supervisors get permission from managers etc.?
5. My plan would be to use the £9 odd voucher against some more Belvitas...would this work to create new voucher?



Thank you

Vouchers available exactly 3 hours later, not before.

It is best to keep below £10 APG as then it scans and only needs authorising (£10.00 and over needs manually entering, so another prompt for them to check!).

Anon

cjj_2

Choc fudge biscuits working today and hulas and mccoys but see crisps are already confirmed above. hth

never_too_old

redfraggle wrote: »

I got 2 x today with 2 x lots of 3V card purchases. I love these!

Afternoon
Are these still giving out the bonus clubcard points.?
Tia:)

tweets

JulieElizabeth wrote: »

tweets, I'm not far behind you on 492 :cool:

Good luck when you reach 500 its a pain in the :eek::eek: