Learning to walk before I run

rtandon27

edinburgher said:

rtandon27 said:

@edinburger - that's a clever way to top up your required spend - does your card allow multiple same day purchases?  My MrS card (now NW) stops working on the big river site after 3 uses in 24 hours! OH's spanish bank card won't let him on the big river site more than twice in 24 hours!

I'm 11? Transactions in, seems to be ok 😅

I'm utterly amazed! - Perhaps it is related to the amount spent - if not individually, then collectively???

Suffolk_lass

Similarly, when I went out for the first time in nine months (during the pandemic) to shop at a local market, I went to the baker (Bury St E), the fishmonger (Lowestoft), the greengrocer (Romford) and the butcher (Ipswich) within about 25 minutes, having to enter the number manually in the butcher's. I was just thrilled to be out. I tried to buy a coffee (!) and in the end paid cash and then went into the EoE Coop. My card had stopped working completely and I had to use the other one. By the time I got home, they (the bank security team) had rung home and my husband cheerfully told them I had gone out to the local market, not having been out for months. Someone there realised what had happened and sorted it out. From memory it was Good Friday morning. I believe he suggested I would not be happy if they had cancelled my card and the woman who had rung agreed she would not have been either. I was impressed by their diligence

edinburgher

Just realised there's a really specific order to the Spanish bank offer and I've done it wrong 🤦🏻‍♂️ Started again, please message me if you decide to do it and I'll explain 

edinburgher

Rattling through work as best I can, it feels a little unsettled waiting for HR checks and agreement on a start date   

• £55.04 interest from cash ISA 
• £50 allocated to Home Maintenance budget
• £5.04 allocated to OP budget
• £17.08 OPed (interest, cashback, wee bit of leftover TV licence money, virement)
• £2.01 moved to personal cash savings
• £2 added to minute Emergency Fund. I'm trying to get this running again but paying all bills on time, paying down debt, funding all budget lines, investing and living is a demanding task! More generally, good habits and a healthy surplus mean that we could survive most emergencies. We're currently budgeted until the end of December and have £12k unallocated in addition to that.

Edit: DD2's nursery can do an extra day a week for her, £42 but we can use Tax-Free Childcare. Now fingers crossed for HR checks

beanielou

Great news on DD’s nursery. 

South_coast

How much EF are you aiming for? I'd be tempted to use the unallocated £12k and just get a clean slate rather than drive yourself mad with £2 here and there. You may find that very boring though!

themadvix

South_coast said:

How much EF are you aiming for? I'd be tempted to use the unallocated £12k and just get a clean slate rather than drive yourself mad with £2 here and there. You may find that very boring though!

Agree - £12k unallocated savings sounds like an EF to me.

edinburgher

@South_coast - suspect £12k becomes home improvements and then we save EF at c. £400-500/mth afterwards.

edinburgher

Wahoo! Woke up to £75 cashback for opening an ISA that was declined then subsequently got confirmed. Not bad considering I never even funded said ISA This is a personal spends one.

Watty1

Wow What a win!