Must try harder!

WinterWarrior

The last interest I got from my savings account was 2p 🤣
And yes beanie, that barrier really helps. I have £1500 in premium bonds, am not winning anything, but I think getting it out would be a pain, so I don’t even think about it. The people who win seem to have the max £50k in…I doubt I’d get that from selling both my kidneys 😬

nannygladys

My grandson seems to win at least once a year never more than the minimum though, and certainly hasn't got over a couple of thousand in there, although I reckon he like to have lol!

nannygladys

Sun_Addict  - I think saving is harder than paying debt as well. I think (with me) paying debt made me more focused as I wanted it gone soon-as, but savings I put amount a away every month for most things but I can't seem to get my head around an emergency fund!! It's my go to if I'm short one month or need cash quickly and not normally an emergency. 

WinterWarrior

That’s good to know nanny, there’s hope for me yet! 😁

nannygladys

WinterWarrior - unfortunately one of dgds has pbs as well and has never won a bean!! But at least the money isn't being spent.

WinterWarrior

Good morning and happy Thursday ☕️🍫📚🍁
A step closer to the weekend. I’m so busy at work I don’t have time to get anything done, I really must take the time to write a big list this morning and then work though it ticking actions off, otherwise I’ll start forgetting things. 

I also need to work through my Christmas list. I really want to get it all done before December. This is really slowing down my NSD’s 😖
I’m hoping December can be nice and frugal, as November clearly isn’t!
I hope you all have a wonderful Thursday filled with happiness and chocolates 🍫☕️📚🍰

Sun_Addict

Happy Friday eve 😁

I have to make to do lists for work and home or I forget things. 

Have a great day.

Naomim

My boss actually suggested I buy a To Do list book as I'm so disorganised 😂

I'm now trying to make use of the Tasks options on my work system and add stuff to my calendar. The plan being I deal with all my tasks first thing. 

I wouldn't count Xmas shopping as a spend on NSD's as they are planned spending. Same as I don't count groceries or petrol etc. For me an NSD is not spending personal money on willy nilly stuff.

Baileys_Babe

Naomim said:

I wouldn't count Xmas shopping as a spend on NSD's as they are planned spending. Same as I don't count groceries or petrol etc. For me an NSD is not spending personal money on willy nilly stuff.

Everyone has different rules for NSD's that suit their situation.
I count every day I spend money whether that is cash or card, except the payments for the children's training as I have no control over the day I pay, I would happily pay for a block at a time (as I did in the past - new person managing the money and this is beyond them), neither do I count direct debits or standing orders as some do, each of us have to find our own way.

Naomim

I agree @Baileys_Babe we all have to find what works for us 🙂