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An in-between phase
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I did a focus group some time ago now, got £50 for it. We had to review and discuss a new Leg0 kit. We absolutely slated the product, we all agreed it wasn’t great. Turns out the Leg0 big chiefs were over from Denmark and behind a two way mirror listening to everything we said 😬 We all went home with the £50 plus one of the much slated kits.I also have September goals, good time for fresh focus, new term feeling and all that.Well done on almost finishing the I.O.ME pot 🥳I get knocked down but I get up again (Chumbawamba, Tubthumping)3
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Finally caught up with your diary
well done on the £5k pot ! Very impressed - it’s so easy when the amount us Londoners need to save for a deposit is so huge that you want to give up and have a nice pub lunch instead
DON'T BUY STUFF (from Frugalwoods)
No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff. Money doesn’t walk out of your wallet on its own accord.
https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest1 -
😂 @Blackcats, no whooing required fortunately
Thanks @WinterWarrior and @Sarahwithlove, it was interesting- not so much the product but just hearing about other people's lives and how people's habits and perspectives differ, much like on here!
I bet they couldn't wait to offload their rubbish product on you all @Sun_Addict 😁 No freebies from this group, but we were offered a cold drink and I had a very nice bottle of peach and green tea and felt well fancy. And we were offered those little packets of two biscuits so I nabbed a chocolate chip one for the emergency biscuit supplies
Thanks @LadyWithAPlan, I entirely know what you're talking about!
Well, I got back after 10pm, ate some dinner (a roll and marmite on toast), caught up with Mr PIP then idly glanced at olio and a woman a mere 7-8 minutes walk away had two Waitrose mac cheeses listed (and one mac cheese with bacon), so with moments to spare I swooped before she wasn't allowed to give them (use by date rule). As she was trying to get rid of quite a few bits I also got some bonus hummuses, carrot batons, rice pudding pots and chocolate desserts. So for that effort knocking on midnight, which will save us a few quid even just on the things we would have bought, I am wiping out my 77p and declaring myself paid back 🎉 And I took 15 minutes off my steps. What a day 😂
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Good Olio haul!*Dad loan - £5300 - £7300
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£400
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £860
*Total debt - £8560/£11641.17*
Savings
*Savings Buffer - £1000/£1500
*Emergency Fund - £1000/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/2 -
Great olio goodies.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.2 -
Your product research sounded interesting and you earned a few quid. Win, win.
A great Olio haul tooIf you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 0/1000
Buffer fund 0/100
Debt March -1,119 (April) -889 (April) -498 (April) -378 (May) -875 July (190)2 -
Admins and comping
Rice pudding pot for breakfast
Someone came round to pick up a sale so that's £10 in the flat pot
Took some of the bonus foods round to mum, got a nice big portion of her veggie spag bol in return
Shower and hairwash, shoulders still attached
35 minute lunchtime walk with Mr PIP to pick up an olio 1.75kg bag of tesco finest potatoes
Entered some competitions, today I'm mostly looking forward to winning 1k but I'd be very glad of some cheese too, ooh and some beer to go with it if poss
Sitting in communal garden catching up with Mr PIP over beer instead of going to pub
Dinner is two of our free olio mac cheeses with leaves on the side, and Mr PIP says he'll make us some garlic bread with one of the olio half baguettes from the freezer. What delightful extravagance for a Tuesday!
Edited to add that it was an olio bag of spuds, supportive as you all are I doubt anyone needs to know the exact measurements of everything we buy- unless it's free!1 -
Personally I was hoping to hear from Ernie yesterday, but naturally didn't. Still I am just winning enough to make what would be a reasonable interest rate, so can't complain.
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Mr PIP won £75 but hasn't got an email yet @badmemory so you might still be in luck!1
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I'm not patient enough to wait to get an email so I checked first thing this morning on the site that just needs your holder number. Small win biut I could have done with a big one as I have spent a LOT recently. I totally lost the plot & got solar panels.Over a month on & I keep sitting here watching arrows going from a picture of a roof to either a house or a battery & saying to myself stop that when the arrows are going from a pylon (the grid) to the house. I just need to learn to use them properly. I'm not getting the export tariff yet but even on a bad day I seem to be saving at least 50%. It is a good job I just jumped in though or I would never have done it. Is this or a heat pump something you have thought about? Both should be cheaper to do when you are building, Would it encourage the council to pay attention. They really should be ashamed of themselves.3
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