Becoming addicted to collecting coins

Westie983

Just eaten half of the Viennetta - hope I dont regret it :-(

hummingbird

MMMMM Viennetta - what flavour? I like the mint choc one.

Westie983

Mint of course the only flavour worth scoffing

stepuptothepl8

Bread in the SC?? If I wasn't off carbs I'd be intrigued.... x

Westie983

Yes, I use my SC for everything far more ecomomical then using the oven.

Google bread in slow cooker for some good sites, I can't post a link as your not allowed, you make up dough, prove in SC on low setting then after 1 hour cook on high for 1.30 and then check... Great for leaving and doing other things.

I also do slow cooker rice pudding, cakes and roast chicken. I have a mint lamb shoulder defrosting ready for cooking tomorrow while at work with some chickpeas and tinned tomatoes, a hand full of herbs and spices then will cook the rice when I get in.....

hummingbird

Great ideas for the SC Westie! I didn't know you could do bread in them! What size cooker do you have?

Westie983

HB i have a 4.7l slow cooker, as i wanted one that would fit a whole chicken in it, which is great when i leave it to cook while om at work....

the rice pudding is made with cream soda and pudding rice and thats it,

lots of recipes on a Facebook slow cooker site,

i am now onto the coffee :0)

Westie983

Im in a reflective mood, after my incident yesterday I haven't been able to make it further then the kitchen and the bathroom, so I suppose not being able to get out, or even bother to get out of PJS

its dawned on me I have had 4 NSD!! its nearly the end of May, and looking my net worth on YNAB I am only minus £486, which is great as when I started properly with YNAB there was 3k difference between my savings and my debts...

Although something is niggling me, I am loving potting coins and seeing them add up on here and YNAB, hearing the chink as I drop them into my terramundi pots but, today I have been reading a few diaries and I feel I maybe doing things back to front, higglety piggilety, I have debts but I am not focusing on them but on my coin pottage and getting my totals up...

as much as I love doing this, I think I may have to focus my efforts on my credit card debts!!! but that seems far too adult and not so much fun....

mmmm maybe I have done too much thinking my brain is confuddled,

back to the coffee. (which is raspberry chocolate which is delish)

liltdiddylilt

Hey you


I've always been one to pay down the debt until I could start building it up the other way. It worked for me, but most of my debt was interest bearing. If I had a 0% card that covered the whole debt I wouldn't have been so worried. However you also have to think of when the 0% runs out, even if you can get another 0% deal, you're still paying a switching fee.

How much debt are you talking? The £486 or that plus the amount that is in the pots? And what are the interest rate(s) on each chunk?

Grown up as it may seem, you'll find saving a lot more fun when you aren't balancing it against debt. In that way it is *real* savings.

Hope your hip/leg aren't too achey today? I am off out soon to stomp the streets. Have had such a bad day I just need to get out and walk until something clicks in my brain and I feel better. I foresee an early night coming on.

Night poppet. Hope you sleep better xxx

Westie983

thanks for the quick drop in illty,

I have £1300 on a interest bearing credit card.
Just paid off a credit card that 0% finished on tuesday, (just have last weeks petrol on it)

I then have a big chunk on 0% until January 2017.

I have arguments sake easy numbers 8k in debt and 7.5k in savings, including my coin stash - which is where the £486 comes from....

Im not worried about the 0% as I will have money from regular saver(s) maturing to pay this off....

Im not sure if I should just pay off my CC with the 2k sitting in TSB, logic says I should but then I dont want to "lose" that savings....

I have xmas and birthdays covered with my pots in YNAB so I dont need the money I suppose affectively the money in TSB is my emergency fund, but I suppose if I paid off my CC the credit limit could also be my emergency fund If I needed to it be....

I also have a OD I can use that costs my £15 a month, which would work out cheaper then the interest the credit card is charging...

mmm what to do....

I have potted my payrise into my pension so thats already gone, and am now potting 7% of my pay into it... Not sure I will increase it any more as I have now hit the barrier with the company contributions of 13%...