Lemon tree and the lemon clan

enthusiasticsaver

Do you get cashback on your credit card? If not why do you use it for food shopping etc? It may be easier if you don't do it that way. I always find credit cards muck up budgeting when money is tight. Fine if you keep a buffer and have some leeway. Why is your DDs money at 0%? Have you not got a junior isa for her?

Lemon_Tree

enthusiasticsaver wrote: »

Do you get cashback on your credit card? If not why do you use it for food shopping etc? It may be easier if you don't do it that way. I always find credit cards muck up budgeting when money is tight. Fine if you keep a buffer and have some leeway. Why is your DDs money at 0%? Have you not got a junior isa for her?

good questions:
yes I get cash back on my credit card
DD's money isn't at 0% but the amount she's loaned us is if that makes sense. I don't like borrowing from the savings we have for her but we're only borrowing from what we ourselves have saved. We don't have a junior ISA for her because I don't know at this stage what she's going to be like with money when she's old enough to take ownership of it, at this stage the account is in her name but I control it.

Lemon_Tree

happy weekend folks.
Yesterday I was allowed a pass for a couple of hours so that I could go and get my dress sorted. They kept telling me that no one else had returned theirs, not my problem, it wasn't fit to be worn and had literally been worn once and washed per the instructions. they did bregrudingly give me my money back after trying to get me to exchange for the same dress or anything else in the shop. I honestly told them I couldn't risk taking it again and the same thing happening given the cost of parking in the town centre.
I did manage to find another dress in a sale, it's lovely but not as suitable for mumming in the garden in, but it will get worn a lot.
Pippi, our weekend plans are the same as always, Mr LT will sleep off his night shifts, the littlies will play in the 'garden park' and I will try and do some housework/gardening during DS's nap time. My evening will be spent sewing and watching tv. Mega exciting all around.

System

Sounds good to me , mine is knitting, reading and babysitting grandchildren! Have a lovely weekend .

Hiddenidenity

Sounds good to me too!

Glad you got the dress issue sorted x

Lemon_Tree

:mad:Spent too much at the weekend
Had to go in Mr A' s for guinea pig food and ended up buying stuff which I know is cheaper there than Mr t's. I'm so rubbish as this not spending in supermarkets.
Today I've blitzed the downstairs and DD & I made 'cakes, banana' as she calls them, we also made a crustless quiche and took some apples from our tree to visit my parents.
Washing dried outside my favourite part of mse''ing

Scott_Weiland_2

Lemon_Tree wrote: »

hi, and welcome back as well, I shall go searching for you :j



Does anyone else do surveys? I've a PA account which is currently standing at £10.80 and I did a £3 survey yesterday which doesn't seem to be pending wish i'd saved the acknowledgment code grr! I've had about £20 so far from doing it, and i'm terrible about logging on for surveys.

Credit card spends are now £200.88 with todays shopping to be added.

another thing I started was to save what it says on a shop receipt that you have saved on that shop. Since April I've saved £75.05 :j I'm not sure what i'm planning on doing with this as it's in a 5% account and our only debts are to DD at 0% and the car which I can't overpay.
Credit card is paid off in full monthly anyway and if I try and pay anything before the direct debit goes out they deduct it from that months payment. Why do they insist on doing that? grrrr!

I do surveys yes ��

I have to agree with Essex PA is probably the best one about at the minute i have had around 30quid off it in 2-3 weeks. Opinionoutpost.co.uk is another good little payer, there are loads of others i use but they take much longer to drop.

Ie power of opinions
Opinium Research
One Poll.com
Yougov
Minglerespondi
Swagbucks
Ukhiving.com

Last year i made about 1350 off surveys and cashback note my signature

Lemon_Tree

Scott_Weiland wrote: »

I do surveys yes ��

I have to agree with Essex PA is probably the best one about at the minute i have had around 30quid off it in 2-3 weeks. Opinionoutpost.co.uk is another good little payer, there are loads of others i use but they take much longer to drop.

Ie power of opinions
Opinium Research
One Poll.com
Yougov
Minglerespondi
Swagbucks
Ukhiving.com

Last year i made about 1350 off surveys and cashback note my signature

thanks that's some great info

Pippilongstocking

Evening all
I apologise for the late hour but I'm off tomorrow as I worked today and sat so this is probably my Friday.

Well done on standing ground on the dress LT - hard when you're pushed for time.

Your weekend sounds ace. I'll be potting the cuttings next week that you were looking at for that north border - if I'm down in N Lincs soon - I can potentially deliver them on the doorstep if that works. Or on a doorstep near or box them I'll see how heavy they are

ps my england geography is awful.

Have a good week!! Spends are inevitable when time is precious - don't beat yourself up too much!

And yay to number 25

Lemon_Tree

hello Pippi thanks for popping by, no rush about the plants just one question. when is it safe to move a small plum tree?

so today's efforts:
Updated accounts at lunch time, credit card spends now stand at £322 for the month.
checked PA - no surveys, hmm haven't had a few for a while
savings from shopping transferred today £2.05 bring total to £77.10
Put fuel in car today, couldn't use Mr A's because the station is being refurbished so had to use Mr T's which is pennies dearer grr!
Mr LT made dinner from freezer and cupboards. Slow and steady wins the use it up race.

got home to Mr LT having done some surprise DIY, a job I've been wanting to get done for a couple of years but was on his too hard pile so I gave up hoping. apparently it didn't take that long and was pretty simple in the end. Just means a bit of paint patching, but we'll get it done when we patch the paint in the kitchen from removing a cupboard.

on the list for this week:
get back into match funded betting, season is kicking off so I need to pull out my finger
take photo's of things I need to sell on the works notice board/ gumtree (latter scares me)
contact builder about our extension, I really need to know what we're doing so I can plan things. I'm fed up of life being on hold.