Travelling On

rtandon27

KC - just saw this "Not counting this! 2020" in your signature - what a hoot - love it! - LOL

debtfreeoneday

We have a pot with keys in and I have no idea where most of them belong to. I worry for chucking them for that one day when we realise the key we needed was in there 

Suffolk_lass

debtfreeoneday said:

We have a pot with keys in and I have no idea where most of them belong to. I worry for chucking them for that one day when we realise the key we needed was in there 

Ha! and there we have it, in a nutshell - that is why we all have keys we don't know if we will need one day! - when I went through the Milan airport and found my sister at the Customs desk with my suitcase (a whole other story) I realised my keys were at home - "No problem madaame!" he said as he nipped into a little room and came back with a box of keys - the second one worked - Italian Customs Officers are the only exception to the rule...

Karmacat

rtandon27 said:

KC - just saw this "Not counting this! 2020" in your signature - what a hoot - love it! - LOL

There was a meme, and I adapted it    I love it  

debtfreeoneday said:

We have a pot with keys in and I have no idea where most of them belong to. I worry for chucking them for that one day when we realise the key we needed was in there 

Sighs ... I know, it's horrible, isn't it!  The thing is, some can definitely go - the old front door, the old back door, the lock barrel on the front door I had to replace, the mortice lock on the old front door, I've identified those and I'm happy.  But I know that somewhere I've got an old fashioned padlock that uses a key; and I also know that I sent my own jewellery box to the charity shop when I got my mum's (it had a ballet dancer twirling about! whereas my mum's is about the storage, and I've also adapted a DIY nail storage bank of drawers for "costume" jewellery) ...  but my mum's jewellery box has a lock, so somewhere I have a key ... I'm not quite done, is the honest answer   

Karmacat

Right, I need to get on with things today, so:
- open the post, and dispose of the claptrap around the table at the side of the porch.  I currently keep some shoes there, and I was in a *severe* depth of puddle a while back ... cleaning them might be in order!  I'll do it outside.
- this is the last day in this cycle to put stuff in the green bin.  Anything easy - I'm not digging in this weather!
- use my "sack carry" (aka the frame of my Old Lady Shopping Trolley) to take a few of the vandalised coping stones to the back, to start setting up the protection for the fence, which means I can then start the raised beds.
- hmm, need something else, something online ... that might be from one of the envelopes I open, but if not, check on the rules about transferring mature ISAs and do one of mine, probably the Newcastle.  It's on the Big List, so that would be great to complete.

Karmacat

Ta da, I opened the post (not dealt with it yet) but I *did* deal with Newcastle: its a small cash ISA, fixed rate at 0.45% per year (!!!!!!) That's really not great, but Martin's best buy fixed rate cash ISA is 0.6% for one year, or 0.7% for two, so I'll leave this where it is for now.  Account details noted and updated (my accounts work in the middle of last year is really paying off, the details were all to hand ).  

A bit of recycling now, and, yikes, I'm going to clean those shoes before lunch

Karmacat

I gave in in relation to the Sainsbo mastercard - in fact, I had to call them with the security code they wrote to me with, and I changed my mind 3 times during the phone call when I couldn't delete the info I'd already given when I changed my mind and wanted to close the account, I just gave up and registered online, and went paperless, which was the point of the whole deal.  Sigh ... I just didn't want to spend any more time on it, and lets face it, they're all pretty much as bad as each other.  Don't tell me if you know a great one, I'm begging you!  

I had a complete brainfreeze, too, about how to get my bank to pay the mastercard bill automatically that was bad.  I completely forgot that I have to arrange that not via the bank, but via the payee.  Bleepity bleep.  

I'm going to take a 5 min break, and then I'm going to do it.  It will mean that I can tick off 2 items from my Big List in one day.  Update follows 

Karmacat

Done it.  Direct debit set up - Big List ticked.  10.4% of Big List accomplished.  Cup of tea in hand, mini cava bottle now in the fridge, Matt Hancock is prattling on victoriously.  

Shoes got cleaned, didn't have time to do any more of the green bin so I'm really glad I did that bit on Saturday.  Porch isn't quite as clear as I'd like, but its better, and I'm on the way.

Almost certainly going to do nothing else today

rtandon27

Karmacat said:

...I had a complete brainfreeze, too, about how to get my bank to pay the mastercard bill automatically that was bad.  I completely forgot that I have to arrange that not via the bank, but via the payee....

Not sure if the Sainsbo card has this option online, but I re-setup my H4lif4x card autopayment up online - took about 2 minutes (famous last words - lol).

I'd been paying that particular card off regularly & then not using it at all - so when I did use it & the system tried to take an autopayment, the bank had cancelled the instruction (seems they do this after 13 months of non-use).  The part that irritated me is that a) the card and bank account are both the same bank b) I had no notification of the instruction being cancelled prior to the incident where I found out it had been cancelled c) I'd already cleared the card, so why were they also trying to take the payment?

...and the best bit was I was only using the card to make avail of a special offer to get a percentage of cashback which turned out to be more than I'd make in points on my Sainsbo's card - turns out the cashback goes on the card, not into the current account, so lo & behold, I now have a credit amount on the card - SIGH

All that to say - you are not alone in your frustration with bank bureaucracy!!!

Karmacat

Oh wow, RT!  You have my sympathies, you know you do   yep, I've managed to do it - I think we may have crossposted.   

The procedural complaint I made last week against Sainsbo hasn't been upheld, I've discovered too - because they didn't break their own guidelines.  Yes, that was kind of the point, sigh ... I just don't want to give them any more attention, I don't want to give credit cards as a whole any more attention, I'm just going to get on with my own stuff.  

There are only five more items on the finances section of the Big List:
- the French accounts (going to do those in February)
- buy premium bonds (I'm doing two purchases a week, to avoid being flagged).
- sort Pinecone/JL vouchers (I have £45 sloshing about somewhere, and I'm not sure where).
- sort "Coventry" - this really means transfer to a better account if I can, and open a new isa.  
- the 5th item is a catch-all: shopping research.  I'd still like to buy an electric bike, for the summer.  Other items: a nightie, salt and pepper grinders, a fitness dance dvd.  That won't be ticked off immediately, of course, and I'm fine with that - there are plenty of other areas on the list to work on