Enjoying Life's Indulgences Together Everyday

Anon

mhoc wrote: »

so in theory you could go to the TSB bank on the 1st of the month armed with £500 and put it in one account, withdraw it and then do the same with the other 5 accounts? I suppose its one way of using up a wet lunchtime

Yes ... But no need to go in the branch, all online and takes minutes .

Anon

Classy_Chick06

savvy_sal wrote: »

1 x Muller Light Fat Free Strawberry Yogurt (175g) £0.68 £0.68
1 x Muller Light Raspberry & Cranberry Yogurt Fat Free... £0.68 £0.68
1 x Muller Fruit Corner Red Cherry (150g) £0.68 £0.68
1 x Muller Fruit Corner Blueberry Yogurt (150g) £0.68 £0.68
1 x Muller Fruit Corner Strawberry (150g) £0.68 £0.60
1 x Muller Fruit Corner Blackberry & Raspberry (150g) £0.68 £0.60
2 x Muller Fruit Corner Peach & Apricot (150g) £1.36 £1.20
1 x Muller Crunch Corner Yogurt - Toffee Hoops (135g) £0.68 £0.60

Buy 10 for £3 including Muller light coconut with a hint of lime.Bar code ending 181697.Only 9 will compare as above.

how much is the APG back on this shop please?

99p

Evening mad squad,

Has anyone done the belvitas in Scotland ?

I'm at MrA now and am about to get a (cough) few

Please/thanks

Wheres_My_Cashback

Anon wrote: »

Yes ... But no need to go in the branch, all online and takes minutes .

Anon

Or if you're lazy/not very disciplined just set up online SOs to move the funds between accounts on about the 5th of the month and also set up SOs to move the monthly interest at the same time.
Then you never have to do anything again apart from log in occasionally to make sure all is OK.

bubbs

99p wrote: »

Evening mad squad,

Has anyone done the belvitas in Scotland ?

I'm at MrA now and am about to get a (cough) few

Please/thanks

I THINK this is where it was first tested not 100% sure though:o

pattylabelle

M4RT1N wrote: »

Afternoon all

Anyone who ordered from the BBC glitch yesterday I just had this email

Unfortunately we experienced sometechnical difficulties on our website yesterday which may have affected yourorder.

Please bare with us as we investigate the situation further and we hope to beback in touch shortly.

Imagine the BBC sending that email - it should be "bear with us" LOL!!!

MKS

Anon wrote: »

Yes 150 cc bonus points for 2x£25 3V online visa when bought in T (not the other visa which has an additional charge).

Some people are buying in T for cc bonus (sometimes HH generated too!) and using on highstreetvouchers.com to buy A gift cards to spend instore (there are other uses for 3v too, but A gift card is easiest for most people to use).

Anon

Thanks, Anon. Can you put a picture on here as I haven't found them. Only seen the ones with additional cost.:eek:

Lots of the topside, silverside beef and legs of lamb about that are still full price on the pack despite saying half price on the sel.

Laura_D_2

Isn't it terrible when Mr T overprice their lamb :rotfl::rotfl::rotfl:
Dtd on a leg and half leg. My kitchen is smelling lovely!:D

Also managed a cheap innotab and camera

Cars leappad game scanning at 1p

Quite a successful day :j:j

mhoc

Very useful having a financial expert on the group that we can bounce ideas off

Education makes a big difference - if you can at least go to college your earnings potential is better.

In my day in the dim and distance past - it was polytechnics then and it was free but even so it was not considered an option for working class kids. If you passed your 11 plus you went to grammar school and then to uni, if not you went to high school and maybe college but failing your 11 and even if you were in the top group all the way through school it was not likely you would go any further.

I did have one boyfriend whose mum was a driving instructor and she taught me to drive and she was also coaching me to do night classes to get my A levels in my own time and eventually go to uni as a mature student . This lady was killed in a car accident so that never happened.

I was working as a Saturday person at Tesco when I was 14 and so that was the point my mother stopped giving me pocket money and I had to pay for my own expenses including clothing myself - I think I was on £1 a week. So basically that is when I had to start being financially responsible for myself.

The time I should have been saving from about 17 when I was in full time work until I met OH and we got a house etc - those 6 or 7 years were about the only time I should have been saving but I was running wild No idea what I did with myself or my money - I did have a mortgage and bills but even so I earned good money, didn't run a car or smoke and I didn't travel but I always seemed to be short of money.

When OH and I were looking at houses we looked at the end cottage at the end of our lane but we could never have afforded to get the mortgage, it was too expensive and this was despite 2 of us working full time then.
It was £18 thousand :eek:
so we ended up with a cheaper one further down the road

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.

davemorton

I seem to be dropping about 500 places a race
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