My 5 year plan

fatrab

Wrong hands = my hands!

I did contemplate a cashback card as I do spend a lot on fuel but at the moment I don't trust myself enough. I'm re-mortgaging this year so no more credit applications until that's complete.

Next up is selling my wife's car. That'll clear the loan and should leave my finances in as good a shape as possible for the mortgage application.

fatrab

Last week's spending stats:
Fuel 68%
Shopping 27%
Pub 3% (soft drinks only though)
Day out 2%

enthusiasticsaver

fatrab wrote: »

Wrong hands = my hands!

I did contemplate a cashback card as I do spend a lot on fuel but at the moment I don't trust myself enough. I'm re-mortgaging this year so no more credit applications until that's complete.

Next up is selling my wife's car. That'll clear the loan and should leave my finances in as good a shape as possible for the mortgage application.

Yep that sounds sensible re clearing loan. We use a Santander 123 credit card for fuel and supermarket. 1% on supermarket and 3% on fuel. All large appliances or furniture etc bought on JL partnership as we get Waitrose vouchers as cashback. Both paid off in full each month though.

JoJoC

You spent the afternoon in the pub and resisted a drink!? Someone give this man a medal!

Just goes to show what a bit of willpower and motivation can do Four soft drinks (£2.80) vs 4 pints (£14) is quite the saving and also saving on calories!

fatrab

JoJoC wrote: »

You spent the afternoon in the pub and resisted a drink!? Someone give this man a medal!

Just goes to show what a bit of willpower and motivation can do Four soft drinks (£2.80) vs 4 pints (£14) is quite the saving and also saving on calories!

I did find the whole experience a bit strange, as did most of the regulars lol. Told them i was driving later and had to stay sober. Why i felt the need to lie I don't know.

JoJoC

Sometimes I think its easier to lie than to have to continually explain things to people that they either don't understand or don't want to understand. I hate being hounded about things like that.

I also always get asked if I'm pregnant if I'm not drinking - so frustrating.

fatrab

Just back from Chiropractor. Ended up being far too early for my appointment so went to a cafe that I used to go to many moons ago for a wee cup of tea. Well, it's not a cafe any more. It's a bloomin posh place and the price list outside said nearly £4 for a cuppa!

Walked down to the Barras and had a tea for 95p.

Even when I was careless with money I would never have paid £4 for a teabag in hot water. I'm flabbergasted that anyone pays those prices. There was even a queue in the place!

Maybe I'm just noticing things now that I wouldn't have in the past.

JoJoC

Regarding the queue in the overpriced cafe, I think sometimes people just buy into the 'lifestyle choice' that they think places like these give them. As you say, they're ultimately paying £4 for a teabag in some hot water so they're the mugs really, but when it's put in a snazzy paper cup and they're surrounded by the feeling of 'luxury' it makes them feel better.

Good for you for shunning it and paying 95p. That's more of a likely price although if you think about it, that's still a 95p teabag! I draw the line at ordering a cup of hot water and pulling a tea bag out of my pocket from home right enough...

Hope the chiropractor worked some magic?

[Deleted User]

You're doing well with your debt busting and weight loss :T

fatrab

Yes she's very good JoJoC, I used to have terrible back problems and apart from a recurring twinge they're a lot better since I started going to her. I used to have back spasms and sometimes you'd think my spine had a kink in it, i couldn't stand up straight sometimes, but never had them reoccur since my first visit.

£35 once every 6 months or so well spent. Suppose I should really put that in my next SOA!

For 95p I had a tea served to me in a real cup in a warm cafe and I even got a thank you from the nice lady, not moneysaving but definitely good value! Girl at the next table had a baked potato and it looked great but I resisted!