Hummingbird's Progress....Well it's time she made some!

hummingbird

liltdiddylilt wrote: »

Hello there lovely you

I am coffee card stalking you I have the 2 main chain ones.. but not even a waitflower card and I don't use the Star$ one because I am a Coster snob :rotfl:

I've barely used any of them in a couple of years though down to finance tightening... after doing the MSE calculator to put myself off.. over the time I work I would have paid £10,000 out on coffee... :rotfl:

Exactly my reason for cutting down Lilty! At home my fave is Kenco Millicano which I've been known to space myself out on before now LOL! I mainly use Costa too, but there's a loyalty card for Nero's and the hospital cafe, also the Pumpkin one at the station.... and of course lovely John Lewis free coffee voucher:p

hummingbird

Westie983 wrote: »

Did someone say coffee....

Oh yes!!!!:j:j:coffee::coffee::coffee::coffee:

liltdiddylilt

Hahahahaha!!! All these cards I need to collect. I must get a new purse dedicated to them

I am a douwe egberts snob at home. Pure indulgence - giant jars of it abound. My last one was free (and is in a pretty keepsake jar!) because the lady at tosco's does her job badly :rotfl:

hummingbird

Ohhh and I forgot Muffin Break Lol! That's a good one because you get a free drink as soon as you pick up a card and register it online. Then every 6th is free (I really AM cutting down!! Honest!!:rotfl:)

liltdiddylilt

Every 6th? One a day then! xxx

hummingbird

MeandO wrote: »

Good idea re: the manual payments hummingbird, and you're right, it doesn't all have to be done in a day.

Hope you got a good night's sleep
x

Thanks MeandO, I got the rest done today, think that's it.... hopefully!! Phew!

Lilty that calendar is a great idea - everything will have to be meticulously noted every month so I don't miss anything!

As for whether I'll have to pay more......yes to a few - Eeeeon, BT, and my mobile phone, because I lose the DD discount. No to all the others.... worth it though for the fact of avoiding bounced DD's and the charges that occur when that happens!!:j:j

hummingbird

Received an email from YNAB......make sure all your payments are automated........ feel like laughing out loud and crying out loud at the same time, but I'm going to choose to:rotfl: out loud!!

I know what I've done is best for me right now in my current circumstances, perhaps in time I'll be able to set up the DDs again.:o

Westie983

Yooooooo hooooooo

hummingbird

Walked 12 miles today - I think if I did that every day I would sleep easily enough, I've just crashed out on the bed for about an hour... was going to try to avoid that but it just sort of happened - I should be going to bed properly soon but it will now probably be a bit later than it should be as I'm feeling as though it should be much earlier in the evening than it actually is:o

Just been telling Westie that my 5p to freedom fund isn't just 5ps any more so I thought I'd explain what I'm doing. It can include any other coin, because I'm just "translating" them into their worth in 5ps if that makes sense, (eg a 20p is just 5p x4) and listing the total saved or paid off debts in £'s. I just liked the title "5p to freedom" so I kept it LOL!

I don't actually have any coins right now as the £9 in my sig has actually been paid off debts - going to do that frequently and see how we go!!:T:T

Westie983

^^^ Westie likes that idea I have £19.70 and desperate to find 30p but don't have any more 5p but I have lots of coppers and other silver