MFW Baby steps

Petal88

Daily interest is down by 4p and I've received £139 back from gas and electricity credit now that I've swapped providers. Haven't turned the heating on yet this year so hopefully the bills will stay low!

OH and I bought our joint xmas present for each other (ps4) during the black sunday weekend, so that was a good £70 cheaper than we we would have bought it for otherwise. Also remembered to use quidc0 when doing my t€sco shop last week and when buying a birthday present for my brother. These are all little baby steps I would perhaps not have taken before

Dad is staying with me for the next two weeks so that will be a bit pricier than usual as I'd want to get the tube pass for him and treat him to nice food whilst he's here.

Got my bonus chat with the boss today which I'm nervous about but hopefully it'll be okay. If not, I got contacted by three recruiters yesterday alone so I have a few calls set up for this afternoon just in case!

Luckyinlife

Morning petal you ok ?

Does the amount of interest applied drop every month depending on your Ops ect ?

ps4 did you say what games you got hehe

lippy1923

Yay for the interest reduction. It all counts. And well done for no heating yet. I have put ours on a handful of times so far as it's getting a bit nippy lol.

Good luck with the bonus chat.

Petal88

Luckyinlife wrote: »

Morning petal you ok ?

Does the amount of interest applied drop every month depending on your Ops ect ?

ps4 did you say what games you got hehe

It certainly seems to! My online account shows a month on month drop every time I've OP'd, which is really motivating even if it's just pennies when broken down to daily interest.

Ha do you game LiL? Got Nathan Drake uncharted and fifa 16 included with the console and I'd bought a pre-owned version of the last of us as well as it's one of my favourites. Got Witcher 3 and last year's AC Unity coming through next week as well - all pre-owned of course so some of the games are only £10. Will buy the new AC once prices have dropped a bit.

lippy1923 wrote: »

Yay for the interest reduction. It all counts. And well done for no heating yet. I have put ours on a handful of times so far as it's getting a bit nippy lol.

Good luck with the bonus chat.

Thanks lippy!

The flat is super warm actually so I keep having to open windows to air it out! I think it's a combo of new flat (well insulated), being on the top floor and thus soaking up every one else's heat and being south facing :T

Bonus chat went really well - bonus itself is down £100 from last year but is still a good 12% of my salary and I got a nice pay rise which will see me bring in £400 extra per month! :j Just came off the phone with a recruiter regarding a role that would give me another £500/month on top of that pay rise though...

lippy1923

A strategic buy then

Holy cow. An extra £400/500 per month would be a dream for me lol.
If you don't mind me asking, what do you do? I must be in the wrong industry lol

Petal88

lippy1923 wrote: »

A strategic buy then

Holy cow. An extra £400/500 per month would be a dream for me lol.
If you don't mind me asking, what do you do? I must be in the wrong industry lol

I work in Risk for a FTSE100 investment management company, so the pay is good but the work isn't exactly fun/exciting or rewarding

Luckyinlife

Am i a gamer hehe i do a bit ya fifa 16 is my main one i guess but far cry last of us im half way thro saved this for winter as its amazing :] i also got uncharted on my radar the demo i downloaded was amazing love the game play on it :] some of the cheaper AC are worth getting if you haven't played them

I also got few car games like f1 gta need for speed i guess i dont play every day but do a few hours a week keep me out of trouble haha :]

Ohh i see least the interest does drop month on month :] this is my first month of seeing the interest amount on account see so new to it :]

hiddenshadow

Hello! Well done on your OPs so far.

I have Uncharted 1-2 at home waiting for me to play them - I got stuck in a section about 30min in and kept dying so gave up for...the last year? Haha.

You'll love Serial (assuming you're not done already!) - such great storytelling. I'm looking forward to seeing what they do with season 2.

A_Frayed_Knot

Petal88 wrote: »

Bonus chat went really well - bonus itself is down £100 from last year but is still a good 12% of my salary and I got a nice pay rise which will see me bring in £400 extra per month! :j Just came off the phone with a recruiter regarding a role that would give me another £500/month on top of that pay rise though...

Lovely, well done, you must have felt Christmas has came early for you:T:D,
this is what I mean with everyone having the same goal, it just the journey that's different, some use RR others use a bike:rotfl:


Please think of me while I try to decide what to do with my £300:D pay rise, but won't get too carried away - i've tax and NI to come off that as well:rotfl::rotfl:Oh, and that's for the year and I don't get any bonus, just go in early and stay late and not get paid for it:(

Petal88

hiddenshadow wrote: »

Hello! Well done on your OPs so far.

I have Uncharted 1-2 at home waiting for me to play them - I got stuck in a section about 30min in and kept dying so gave up for...the last year? Haha.

You'll love Serial (assuming you're not done already!) - such great storytelling. I'm looking forward to seeing what they do with season 2.

Serial is amazing - I'm on episode 9 or 10 now and am in shock about the American justice system. I hope the reopened case on Adnan leads to something!

As for Uncharted - it's a bit repetitive/linear but I'm quite enjoying it anyway. The challenge is not playing it now until my exams are over next week!

A_Frayed_Knot wrote: »

Lovely, well done, you must have felt Christmas has came early for you:T:D,
this is what I mean with everyone having the same goal, it just the journey that's different, some use RR others use a bike:rotfl:


Please think of me while I try to decide what to do with my £300:D pay rise, but won't get too carried away - i've tax and NI to come off that as well:rotfl::rotfl:Oh, and that's for the year and I don't get any bonus, just go in early and stay late and not get paid for it:(

Ah I'm sorry if it feels like I'm rubbing it in people's faces AFK - I shall refrain from numbers in the future. Just bear in mind those are very skewed for London City salaries and that I live in a shoebox that cost 350k in an area where someone got stabbed to death just the other week