The end is in sight

NHS_worker_bee

Take them back for a refund

I was just thinking about how useful a chilli plant would be, I'm going to try and start one for my kitchen windowsill garden (but I don't often have much luck with growing things...)

ShirePiskie

NHS_worker_bee wrote: »

Take them back for a refund

I was just thinking about how useful a chilli plant would be, I'm going to try and start one for my kitchen windowsill garden (but I don't often have much luck with growing things...)

I'm the same. Bought a 'kit', just add water. Hopefully even I can't mess that up (fingers crossed).

ShirePiskie

Wow. These are MUCH harder/ rarer than I thought. It's halfway through the month and I'm not halfway through my challenge.

This has been a real eye opener for me, little (big) miss (mrs) smug who hardly spends anything after the payday flurry. Self-deluded or what???

About a week ago I was thinking "yes, but, they are only little spends most days, under a fiver". There's another one of those BUTs.

If, for example 15 days of the month I spend an average of £2... milk, bag of salad, can of pop, stamp, packet of crisps, birthday card... that's £30 a month, (quickly does maths) £360 a year!!! Just frittered, unplanned and relatively unnoticed. I might log on the spreadsheet that I took £10 cash out for eg ebay postage, which may have only cost £3 but where does the rest go???

I'm starting to think of it a bit like (my) eating, sometimes I don't even register that I've eaten. It hasn't been unknown for me to have tea at work because I'm working late and then have 'forgotten' and have another meal when I get home.

Of course there's always the possibility I've killed off all my short term memory cells with gin!

ShirePiskie

Well, the husband turns the big 40 in October and I'm saving for a 'big' present for him (I know this is £££ that could go to debt and I'm ok with this. I have a budget, I have planned for it and I want to get it for him).

Thanks to MSE I'm now aware of cashback sites and have been doing a bit of preliminary research. In getting him a DSLR camera in a certain way I can:

1. Claim cashback through Quidco
2. Claim cashback through Nikon's summer offer
3. Receive hefty clubcard points by paying for it on my CC (immediately putting the money back on the card with what I've put away).

I get back for spending out. Fab. I'm also going to look at how I can make this work when we buy a new bed next winter.

ShirePiskie

Today WILL BE a NSD.

So far free activities with husband's little girl while he had a lie in have been:
Discussing bogey colours.
Decided if pirates visited in the night.
Drum kit out of almost everything in the kitchen.
Being told about tenses and fractions.

All not costing a penny.

Husband is just about to take her to the library. Free. Then we're off to help his dad water his allotment (I forgot to water my chillies before I left work yesterday, ooohhh). Free. Then beach. Free.

I'm not even going to take my purse out with me.

Have a fab DFW day all. Hope the (free) sunshine is as abundant where you are.

ShirePiskie

It is a NSD, am calling it. Halfway to my target. Hopefully tomorrow will add to the total too.

Just joined YouGov in a money raising exercise. All very easy except didn't realise by entitling a prize draw I used up my just earned first 100 points. Humph. Of course I will retract the 'humph' if I do win £5000, but not holding my breath.

Right, off to continue my temporary support of Hull.

DawnW

ShirePiskie wrote: »

Today WILL BE a NSD.

So far free activities with husband's little girl while he had a lie in have been:
Discussing bogey colours.
Decided if pirates visited in the night.
Drum kit out of almost everything in the kitchen.
Being told about tenses and fractions.

I am sure that the drum kit was a huge asset to the lie-in :rotfl:

icontinuetodream

You are doing fab!! Good luck with the rest of your journey

ShirePiskie

DawnW wrote: »

I am sure that the drum kit was a huge asset to the lie-in :rotfl:

If I ain't sleepin', ain't nobody sleepin'.

nellis10

Just caught up on your diary and I agree we are very similar!

I was a spreadsheet freak but now I am converted to YNAB (you need a budget) I think you would really like it and there is a 34 day free trail too. I got it for £29.41 using a link for 20% off - if I find it I will share it!