Paid off the £31,000! BUT - still scrimping!

Skinnylatte

I found your diary, as you've kindly posted on mine so often. I've now subbed to yours

Seasidegal58

Sun_Addict wrote: »

Glad you enjoyed the Lion King. My GD is obsessed with Lion King.

Well done on the ad hoc low spend being converted to savings

Have a fab week.

Thanks SA!

Skinnylatte wrote: »

I found your diary, as you've kindly posted on mine so often. I've now subbed to yours

Hi and welcome skinny! Thanks for subscribing - it's much appreciated.

END OF SCRIMPY WEEK 2

Budgeted spends this week include contribution to colleague's birthday, nails and little nephew's birthday present. I've bought him a money box that look and works just like a small ATM machine! You even have to have a PIN number and you've got to use the 'bank card' in order to deposit and withdraw cash! I'm fervently hoping that he takes after his sensible MSE mum and not his naughty Aunty Seasidegal when it comes to money matters!:eek:

Ad Hoc spends have been two taxis (£10) and some bad Pret spends at work for coffee and food as I ran out of coffee pods and bought food owing to working late (£15.26). So £24.74 over to Ad Hoc Savings. I've also received this month's Santander interest and Cashback £28.94 and a dividend via my ISA £27.34 to wing over as well.

I went over DSis's on Saturday and stayed the night. Her OH's sister was there as well and DSis and OH bought us all a takeaway. I bought over a bottle of wine but it was one I already had at home.

Work has been horrendous. I was due to start my time off yesterday but ended up going in and working till quite late. This has resulted in (a) being extremely stressed and (b) overeating because of same! And I'm still not sure whether I forgot to do something but can't think of what it could be!:eek:

So today has been a bit of a slob day. Apart from a bit of laundry and ironing I've been catching up on diaries and watching TV. My new go to box sets are 'Tiny House Nation' on Netflix and 'Fosse/Verdon' on BBC iplayer.

Plus I bought a euromillions ticket and won £5.70! Have bought a lotto ticket tonight with some of the winnings on the old premise that you have to 'speculate to accumulate!' Although I wouldn't do this with any money over a tenner!:D

x

Sunshine_girl2

Enjoy your me time this week, especially after doing an extra day at work. Your weekend sounded lovely x

Skinnylatte

Sorry to hear about work, hopefully that'll resolve itself quickly. 1 question, Im interested to know how you get Santander interest and Cashback?

brizzlegirl

Just catching up...enjoy the time off. Sound like you need and deserve it

Seasidegal58

Sunshine_girl2 wrote: »

Enjoy your me time this week, especially after doing an extra day at work. Your weekend sounded lovely x

brizzlegirl wrote: »

Just catching up...enjoy the time off. Sound like you need and deserve it

Thanks SG and brizzle - I'm enjoying being at home so much - roll on retirement!:)

Skinnylatte wrote: »

Sorry to hear about work, hopefully that'll resolve itself quickly. 1 question, Im interested to know how you get Santander interest and Cashback?

Hi Skinny - I have a Santander 123 current account that pays 1.5% interest on balances up to £20,000. It also pays between 1-3% Cashback on a variety of utilities and also if you have a Santander mortgage. You have to pay in £500 into the account and have at least two DDs coming out. There is also a £5 monthly fee, but as I keep all my savings here I'm still quids in. I use my YNAB budgeting app to keep tabs on all my various pots so I always know exactly how much I have in each.

So - the exciting news today in Seasideville is that I received a letter today confirming that my share of the PPI payout is £9,266 !!:j:j:j:j:j

I'm over the moon and it just shows that it was worth trying to claim even though the loan was taken out back in the 1980s and I just had details of the provider and account number to work with. I'll receive a cheque for the amount by the end of the month!

SCRIMPY WEEK 3

So £50 AdHoc Spends this week.

Events this week are out with my friends for lunch tomorrow, and at little nephew's family birthday barbecue on Sunday.

I'm also going to be at DD and OH's Scottish home for New Year and so will get on and book some air tickets.

This afternoon's job is the periodic weeding of my paperwork!

A very happy SSG signing off for now!:D

Skinnylatte

Hi Skinny - I have a Santander 123 current account that pays 1.5% interest on balances up to £20,000. It also pays between 1-3% Cashback on a variety of utilities and also if you have a Santander mortgage. You have to pay in £500 into the account and have at least two DDs coming out. There is also a £5 monthly fee, but as I keep all my savings here I'm still quids in. I use my YNAB budgeting app to keep tabs on all my various pots so I always know exactly how much I have in each.

Awesome, I have a Santander mortgage, I've worked out that I'll get £7.58 back each month, even taking into account the £5 fee, and that doesn't include the interest. You've just made me at least £90 a year richer; And (according to the MSE mortgage calculator) if I pay this into my mortgage each month it'll save me £372 in interest and I'll pay off the mortgage 3 months earlier. :j:T:beer:

Do they offer a referral scheme do you know? (Like Nationwide, when both get £100 when you recommend a friend)

ANDDDD awesome news on the PPI, just fantastic, so very pleased for you :j:j

milann

:j:j:j:j:j:j just WOW. On the PPI:beer::beer::beer:
Enjoy it

Dottles1

Oh wow, congratulations on the PPI pay out and well done for sticking with it, it was well worth it.

HairyHandofDartmoor

Fantastic news on the PPI SSG, I'm delighted for you :T:T:T.

Your Norwegian holiday sounds fabulous, especially the northern lights and Icelandic horses on the beach .

I hope you enjoy your time off work and relax. I'm sure you struggling with your eating is due to stress, so hopefully it will be easy to eat healthily when you retire.