How much to live on

Nebulous2

Organgrinder said:

Well I decided to switch banks following Halifax's termination of the rewards account. I've exhausted all the switches as sole accounts so a new Nationwide joint account. £175 switch incentive. 5% current account interest. 6.5% regular saver up to £200/month and 1% cashback on debit card spends. Plus of course the potential bonus payments.

It really does seem a very good deal.

Mrs O is thinking of doing the same as her sole account.

So potentially £350 just in time for Christmas. :-)

Have you seen the Santander one from Top cashback? A £100 Amazon voucher plus £20 from TCB.  Don't need to switch, only need to open a new account and make 30 debit card payments. 

Organgrinder

Nebulous2 said:

Organgrinder said:

Well I decided to switch banks following Halifax's termination of the rewards account. I've exhausted all the switches as sole accounts so a new Nationwide joint account. £175 switch incentive. 5% current account interest. 6.5% regular saver up to £200/month and 1% cashback on debit card spends. Plus of course the potential bonus payments.

It really does seem a very good deal.

Mrs O is thinking of doing the same as her sole account.

So potentially £350 just in time for Christmas. :-)

Have you seen the Santander one from Top cashback? A £100 Amazon voucher plus £20 from TCB.  Don't need to switch, only need to open a new account and make 30 debit card payments. 

Thirty!!! It is a good deal but I hardly use my debit card so it's not one for me!

(Omg...I'm turning down free money!!)

Lifematters

littlemissbossy said:

littlemissbossy said:

Me 51 Hubby 56

Hubby has been retired for about 18 months, I'm reducing my hours from 3 days per week to 1 day per week from March 23

Council Tax 173.00                       197.00
Gas & Elect 150.00                       125.00
Line rental & broadband 30.00       27.00
Sky 56.00                                        59.50
Water 33                                         46.00
Charity 11.50                                   11.50
TV Licence 13.50                             15.00         
Lottery 16.00                                     0
Food/drink/toiletries etc 170.00      170.00
Petrol 80.00                                     80.00
Going out 150.00                            150.00
Car bills (insurance/road tax/service/mot) 45.00     80.00
House insurance 10.00                                          15.00
Misc 20.00                                                              30.00

= £958 per month x 12 = £11500 ish               = £1006 per month x 12 = £12072

My personal pension contributions 1560 pa      1560 pa
Holidays 2800 pa                                                2800 pa
New car 2500 pa                                                2500 pa
House (repairs/renewals etc) 2500 pa                2500 pa
Contingency 2000 pa                                         2000 pa

£22860 per year                                                   £23432 per year

Hope I haven't missed anything.


eta: my employer pays for my mobile phone and hubby has PAYG £10 every three months or so.

I thought I'd give a quick update on my figures from Feb 23. (updates in bold).

Me 54, hubby 59.

Just £170 per month / £40 per week on Food/drink/toiletries? How so low? Two of us in our 50s and we spend more than double that. We never buy takeaways either. 🤔

Nebulous2

Organgrinder said:

Nebulous2 said:

Organgrinder said:

Well I decided to switch banks following Halifax's termination of the rewards account. I've exhausted all the switches as sole accounts so a new Nationwide joint account. £175 switch incentive. 5% current account interest. 6.5% regular saver up to £200/month and 1% cashback on debit card spends. Plus of course the potential bonus payments.

It really does seem a very good deal.

Mrs O is thinking of doing the same as her sole account.

So potentially £350 just in time for Christmas. :-)

Have you seen the Santander one from Top cashback? A £100 Amazon voucher plus £20 from TCB.  Don't need to switch, only need to open a new account and make 30 debit card payments. 

Thirty!!! It is a good deal but I hardly use my debit card so it's not one for me!

(Omg...I'm turning down free money!!)

Either do I, but I can make an exception. You get 60 days to do it in. Some of the people in the savings board will buy 30 individual bananas, or 30 carrots at a self-service checkout, and rattle through it very quickly.

Nebulous2

Lifematters said:

littlemissbossy said:

littlemissbossy said:

Me 51 Hubby 56

Hubby has been retired for about 18 months, I'm reducing my hours from 3 days per week to 1 day per week from March 23

Council Tax 173.00                       197.00
Gas & Elect 150.00                       125.00
Line rental & broadband 30.00       27.00
Sky 56.00                                        59.50
Water 33                                         46.00
Charity 11.50                                   11.50
TV Licence 13.50                             15.00         
Lottery 16.00                                     0
Food/drink/toiletries etc 170.00      170.00
Petrol 80.00                                     80.00
Going out 150.00                            150.00
Car bills (insurance/road tax/service/mot) 45.00     80.00
House insurance 10.00                                          15.00
Misc 20.00                                                              30.00

= £958 per month x 12 = £11500 ish               = £1006 per month x 12 = £12072

My personal pension contributions 1560 pa      1560 pa
Holidays 2800 pa                                                2800 pa
New car 2500 pa                                                2500 pa
House (repairs/renewals etc) 2500 pa                2500 pa
Contingency 2000 pa                                         2000 pa

£22860 per year                                                   £23432 per year

Hope I haven't missed anything.


eta: my employer pays for my mobile phone and hubby has PAYG £10 every three months or so.

I thought I'd give a quick update on my figures from Feb 23. (updates in bold).

Me 54, hubby 59.

Just £170 per month / £40 per week on Food/drink/toiletries? How so low? Two of us in our 50s and we spend more than double that. We never buy takeaways either. 🤔

I'm always astonished at what people can do. @Humboldt is always an inspiration. 

We are not far off 4 times that, for 3 people though.

Organgrinder

Nebulous2 said:

Organgrinder said:

Nebulous2 said:

Organgrinder said:

Well I decided to switch banks following Halifax's termination of the rewards account. I've exhausted all the switches as sole accounts so a new Nationwide joint account. £175 switch incentive. 5% current account interest. 6.5% regular saver up to £200/month and 1% cashback on debit card spends. Plus of course the potential bonus payments.

It really does seem a very good deal.

Mrs O is thinking of doing the same as her sole account.

So potentially £350 just in time for Christmas. :-)

Have you seen the Santander one from Top cashback? A £100 Amazon voucher plus £20 from TCB.  Don't need to switch, only need to open a new account and make 30 debit card payments. 

Thirty!!! It is a good deal but I hardly use my debit card so it's not one for me!

(Omg...I'm turning down free money!!)

Either do I, but I can make an exception. You get 60 days to do it in. Some of the people in the savings board will buy 30 individual bananas, or 30 carrots at a self-service checkout, and rattle through it very quickly.

I know......I might change my mind yet!