2023 Frugal Living Challenge

Debsnewbudget

2Scratters said:

@Debsnewbudget I would close your Halifax account by doing a transfer to RBS money back on completion and rewards on your normal household bills or try Nat West they are both part of the same group though. No point in poor loyalty returns by staying with current bank. 

2 Scratters xx

Thank you for reminder
just completed Nat West forms to get transfer and £200.
Also received an email from Chase saying they are doing transfers now, but no sweetener ! 

willow_loulou

Thank you! @mama67 ! I have not downloaded the app as I wanted to check first. 

2Scratters

@willow_loulou Chase have also now joined the switching service with the same standard as all other banks to make things easier. I got that in an email from them yesterday. HTH

2 Scratters xx

zafiro1984

Question:-
Has anyone had success with making vegetable crisps. I'm not able to eat potato crisps and the veg crisps so expensive and very welcome at this time of year. Thanks

willow_loulou

zafiro1984 said:

Question:-
Has anyone had success with making vegetable crisps. I'm not able to eat potato crisps and the veg crisps so expensive and very welcome at this time of year. Thanks

No, but I do buy a 6 pack of lentil crisps in Sainsbury for I think £1.25. They’re very nice. I don’t know if they are any good for you. 

kayannie

I have made parsnip, beetroot & carrot crisps, using a potato peeler to get the slices thin enough. Drop in hot oil for just a few minutes until they go crispy, but don't cook too many at a time. KA

London_1

I am a Chase convert, it started as my 'coffee and treat account' originally as my DGS was over from the USA and recommended it.
I now stick a set amount in every month to cover incidentals and food budget, and have earned almost £14 in cash back from odds and ends of shopping
I still have a current account at a High street branch but only keep that for DDs that get paid out monthly .

One of my DGS keeps spare cash towards his Uni expenses in the savings part and earns good interest which is paid monthly and if he needs any cash he texts me and I can ping it to him within a minute. The cash back on the spending account is good and the savings interest is excellent. 
 Making my money earn for me I'm quite happy about that,  and every penny earned is better in my purse that the banks 


JackieO xx

RateTartExtraordinaire

I have changed what I do with my current accounts since inflation is high and interest rates are creeping up. I only leave a working balance for cashflow in my current accounts now. Then, after bills and expenses, I squirrel away what I can into my Self Invested Personal Pension and the tax man contributes 20% for free. I have a very boring drip feeding strategy with investments - globally diversified tracker funds with low fees. I know investing is not for everyone, but I found this book in the library about 15 years ago and haven't looked back! Jasmine Birtles and Jane Mack (2002) A Girl’s Best Friend is her Money – Personal Finance for Women (The Motley Fool UK Ltd) Pan Macmillan: London. 

I have some saving in an easy access saver earning 3.53% separately but I'm thinking of going back to the Coventry as they are currently offering 4%.
(Just looked at the terms for the Coventry account and you can only withdraw up to 4 times per year, no good for me.)
I bank with the black horse bank. Their club account currently pays interest at 1.5% on balances up to £3,999. The account does have some requirements for the £3 fee to be waived. Firstly, you need to pay in £2k a month (all smoke and mirrors for me as I do a few transfers between accounts to reach this) and two direct debits. You then qualify for other rewards. I think they are offering Disney subscription for a year at the moment. 

ladyholly

RateTartExtraodinaire said:

I have changed what I do with my current accounts since inflation is high and interest rates are creeping up. I only leave a working balance for cashflow in my current accounts now. Then, after bills and expenses, I squirrel away what I can into my Self Invested Personal Pension and the tax man contributes 20% for free. I have a very boring drip feeding strategy with investments - globally diversified tracker funds with low fees. I know investing is not for everyone, but I found this book in the library about 15 years ago and haven't looked back! Jasmine Birtles and Jane Mack (2002) A Girl’s Best Friend is her Money – Personal Finance for Women (The Motley Fool UK Ltd) Pan Macmillan: London. 

I have some saving in an easy access saver earning 3.53% separately but I'm thinking of going back to the Coventry as they are currently offering 4%.
(Just looked at the terms for the Coventry account and you can only withdraw up to 4 times per year, no good for me.)
I bank with the black horse bank. Their club account currently pays interest at 1.5% on balances up to £3,999. The account does have some requirements for the £3 fee to be waived. Firstly, you need to pay in £2k a month (all smoke and mirrors for me as I do a few transfers between accounts to reach this) and two direct debits. You then qualify for other rewards. I think they are offering Disney subscription for a year at the moment. 

Have you looked at the black horse club savings account. I think the interest rate is 5.5% or thereabouts.

nmaria

I got an offer yesterday to fix for 9 months for 4.85% or fix for a year for 5.1%. Have one pot of savings to go with a fix and other one is instant access. Just wish I knew what is going to happen with interest rates…… fix for 9 months or got a year. What would you go?