Making savings before it's too late

I agree with the above post 100%. I have only one cc and I pay if off in full every month, used to be paid from a savings account and will, in future, be paid from my other bank current account, the one I use all the time. I link my cc to amazon and paypal and use it, at least in part payment, every time I buy something that might need card protection. My aim is to use it a couple of times a month at least, to make sure it remains an active card

I have had a few temptations this month, mostly for books but I have resisted and soon forgotten about them. The resistance came easily, now that savings are in focus. My personal, not large, private pension is paid in on the 18th and that is the day when I will pay my tax bill, any time before then is too `risky` because of the pinch point that I can clearly see on m/s money. I am looking forward to the middle of february when I can start to transfer a monthly amount to my `smoothing bills` savings account. For me this is very much going back to the old days, I remember sitting on the bed with a notebook, children playing downstairs, when I strived very hard to end the month in credit by a couple of £. A similar smoothing account was a lifesaver

tori.k wrote: »

Thanks everyone, I will give the bank a call and see about keeping it on for the time being.
I do run most things through a credit card for the points that's paid in full each month but I'm just a card holder it's DH credit card, I'm just a tight old begger there is nothing to be gained from using my own other than the credit availability history.
Does anyone shop at the A supermarket ? I have a £50 gift card can I just use it like a pre paid card bit by bit or does it have to be used whole in one transaction, we don't use very many branded products so it would take me while to use up.

Last year, I won 12 x £50 Tesco gift cards which are used like a pre paid card, so any balance on each card, remained on there until it was used. I would have thought the same applied to Asda

tori, I see that you are a named person on you dh`s cc. My huband was the named person on mine until I realiised that if I died then the cc would die with me. I pdq got him a cc in his own name. He was hopeless with passwords and accessing the bank accounts, so his own cc would have seen him through the early days. I was a named person on his and he was a named person on mine. I do remember me ringing the bank re his own cc and then the bill came, which I had been expecting and was not a lot but I imagine some couples would not be so open about money

Popped into the library today, mainly to get out of the cold but we both very quickly found some great books so no more buying books (unless a bargain from charity shops). We must use the library here more, it's smaller than our last one but feels friendlier, it has a lovely atmosphere and a lot of groups run from there, just discovered a knitting group so might venture back for that, I'm not a very good knitter and hopeless at picking up stitches and stitching the item together but would love some help with putting baby cardigans and dolly clothes together. I've picked up the Crochet step by step book as well. Time to use my spare time to learn new skills. I can do a granny square but that's it

I'm telling myself it's never to late to learn and change

We've just this morning, had the talk regarding both being informed and prepared just in case something happens to one of us so must get moving on that. Technology and me don't always hit it off but today I took on learning to use the handset at Mr T's for the shopping and it was not too difficult to grasp even for me :rotfl: it's an excellent way to keep track as it adds up as you go and if you are spending too much you can cancel an item and pop it back. I regard this now as an excellent tool for saving money. Never too late to learn

I'm £26.88 for the year, needed some fruit and fresh bits and fuel.
Made use of the wind and got the washing dried on the line, we do need to cut down of the electric a bit to bring us back in line with the DD or will be getting a hike, I changed company each year for years now a get sick of the length of time it takes to get the credit back.
Like you did Kittie, all our accounts are joint, income just goes into one pot, regardless who it's from, funeral costs are already sorted, historically DH has been a spender but the older we get the less that's become as he pretty much has all the gadgets he wants, and can't even justify to himself to add to it when we are in the process of downsizing. He entertaining himself with our youngest rolling project of restoring a classic mini, so that keeps him occupied at no cost to me
We will have a lot of cost making the new house more sustainable for us longer term but that also should keep him busy as we will try and do as much as we can ourselves to keep the cost down.