Enjoy Locarr's interesting thread Elite

asset2004

cheer1eader wrote: »

how many of the cooks ingredients vouchers have people used in one go? i've got 8 here & need to use them today but don't know if i'll have trouble using more than 2 in 1 go

12 - the problem is that they don't scan :mad:
I just tell the SA they don't scan and they'll need to type the numbers in. All worked out
I've tried them against reduced ingredients but they wouldn't let me use them :eek:
I have found that numbers in the store are less than the number of vouchers I have

cheer1eader

bubbs wrote: »

Me too and still getting loo roll:D:D:D

the velvets? i've got lots of vouchers here still for those but they last a bit longer than the ingredients vouchers :rotfl::rotfl::rotfl:

mhoc

Ive just had an email from Moneywise magazine with an email regarding the new rules on mortgages (and also re mortgages) .

this seems like a hell of a lot of paperwork to get together - a years worth of bank statements which are usually online now and most people have separate personal accounts plus a joint account so at least 3. Plus credit card statements assume you also need 12 months of these and again most people have several cards and the paperwork for car loans, student loans etc.
Also a lot of people keep their finances private - don't want their partners to know what their phone bills are or how much they spend at the hairdressers or about their gambling habits etc
I think only the ultra organiser bordering on the obsessive with sparkling clean financial records will ever think of getting a mortgage. I think it will be enough to put some off getting their own place ever and just stay in rented accommodation.
the MSE budget brain website covers most things. I gave this to my eldest and she said she just does not have the time to go through it all which is another problem - the time factor.

"If you're buying a home or wanting to remortgage, new rules are being introduced that could affect your plans.

From 26 April, Mortgage Market Review (MMR) rules officially come into force, requiring lenders to be far more diligent about who they lend money to.

The Financial Conduct Authority, which is responsible for the changes, wants to make sure the bad old days of mortgages being handed out willy nilly - sometimes even without proof of a borrower's income - stay firmly in the past.

Here's our checklist of the things you will probably be asked to provide
Rent
Council tax
Gas
Electricity
Water
Food (groceries and eating out)
Petrol and car maintenance
Landline
Broadband
Mobile phone
Car insurance
Buildings and contents insurance
Pet insurance
TV Licence
Student loan

Other outgoings:
Childcare
Gym membership
Haircuts
Gambling

Outstanding debt:

You'll also be asked for any outstanding balances you have on the following, in addition to your monthly outlay on them:
Credit cards
Store cards
Personal loans
Furniture loans
Car loan
Overdrafts

The questions are designed to give the bank or building society a comprehensive overview of your spending habits so it can ensure you are able to keep up with your mortgage payments, even if rates rise.
Other things you will be asked to provide:
Bank statements (up to a year's worth in some cases)
Your latest P60
Statements of all outstanding debt (including everything from credit cards to a student loan).

nerfdad

tigerwhite wrote: »

another birthday. you doing some nice things for her then?


.

What more does she want as I've got her a cake:D:D

bubbs

Just thought i bought some rolls and not bought in from car, went to get them and bloody beans been ontop of them:eek::eek: there now pancakes:rotfl::rotfl::rotfl::rotfl:

Claire1972

bubbs wrote: »

Who is having beans for tea then?

Not me!!! none in my Mr T, looks like it's been raided again!!!
probably by the happy staff that are working in there!! :mad:

dipdap

bubbs wrote: »

Who is having beans for tea then?

We just did :rotfl:
Don't need to buy beans for a while, but do need to buy bread now :rotfl:

Bananababe

poppypopster wrote: »

I was reading this


http://www.dailymail.co.uk/femail/article-2615742/Coupon-queen-saved-2-000-month-just-using-vouchers.html


I don't think you could save £2000 a month. I have seen the amount of vouchers you get in the united states but in the UK?

Read that too before popping over here to catch up.

I keep a note of my savings. vouchers, apgs pp,wombles ,surveys, swagbucks, focus groups etc. and this years total in 5 months of real genuine savings is £1240, which isnt too bad. There is no point kidding yourself on that spending to save is real.

My biggest saving and immeasurable is not spending on stuff don't need, wont use.

But good for her for trying

cheer1eader

bubbs wrote: »

Just thought i bought some rolls and not bought in from car, went to get them and bloody beans been ontop of them:eek::eek: there now pancakes:rotfl::rotfl::rotfl::rotfl:

they'll fit in the freezer easier now though :rotfl::rotfl::rotfl:

bubbs

cheer1eader wrote: »

the velvets? i've got lots of vouchers here still for those but they last a bit longer than the ingredients vouchers :rotfl::rotfl::rotfl:

Yes my sister cant get to t's and as i seem to live there dont mind getting them for her, these are hers im getting now, i personally havent bought loo rolls for us for 6 months or more and still have about 12-18 months worth:eek::eek::eek: