Must try harder!

WinterWarrior

Mine are recent things,  maybe 8 months? I’ve not won anything, nor am I likely to…but they are harder to raid so good for me as I’m dreadful at pulling back savings 😖 I had high hopes for saving loads, but sadly it’s not something I’m good at 😢
edit….but beanie, you have no mortgage! I’m green with envy! 

Sun_Addict

I don’t have PB’s either. I used to have quite a few but never won anything so cashed them in and put them in an ISA. The interest wasn’t great but better then the nothing I was getting before. I’m just not lucky at winning things. 

moving_forward

A sparky AND enchiladas @CRANKY40! 

I've only had my PB a month or so but intend to keep them this time as they are our emergency fund. I am considering a stocks and shares isa for when they topped up but need to do more research. 

WinterWarrior

Good morning and happy Tuesday ☕️📚🍫
Nothing exciting to report today. Just work and trying not to spend. I need to get a grip for February.
I’m not expecting to win on the pb’s either, but it would be nice if I did! I’m not sure what it is about isa’s that scare me, maybe it’s the lock in?
Ihopeyou all have a fabulous Tuesday filled with the best of snacks and the easiest work 🍫☕️📚

Sun_Addict

Happy February 😄

My ISA isn't locked in but it's with a building society not my bank so makes it harder to get at (psychologically anyway) . I also have a regular monthly saver with my bank and put £250 a month away. It's locked away for 12 months but the interest rate is better than the ISA.

Deni_debt-free_dreamer

Morning 
It's not Tuesday here but cheese-day !!  To celebrate i ordered some artisan cheese from the doorstep milk delivery and had to order 2 lots to get over the £5 spend threshold I will have it with my bargaineous cheese biscuits that i got on sale early in the year .  
Work first though
It will be a spendy day for me as i need to go to the SM for tea bags and the zero waste shop for essentials like olive oil and mixed nuts 

WinterWarrior

SA locking money away frightens the pants off me 😬 Maybe I’ll get to a point where there’s enough so I can lock some and still be covered for emergencies, but that’s not yet 😖
Deni…happy cheeseday 😁 oooh toasties, cheese on toast, cheese and crackers, cheese, salad, Mayo and pickle sandwiches….mmmm 😋

moving_forward

How about cheese scones cream cheese and onion chutney like we had sat? Was yummy especially as we made the cheese scones so ate warm out oven 

Deni_debt-free_dreamer

moving_forward said:

How about cheese scones cream cheese and onion chutney like we had sat? Was yummy especially as we made the cheese scones so ate warm out oven 

ooh yummy, i am going to make cheese scones and serve them warm with a grated cheese side and onion marmalade - DDs and i used to have this at a favourite cafe before it shut down . I also love cheese and pickle sandwiches, Welsh rarebit - give me savoury over sweet any day

moving_forward

I'm definitely sweet toothed but savory involving crisps is up there!