The dreaded D word

onedaysomeday · 25 April 2018 at 12:41PM

I have a few accounts for different bits which is something I've set up recently
I have a second current account that I used to save up for the car and will be used for purchases I save for, deliberately has no online banking access so i cant just ping money back over
I have 2 barclays savers that were linked to an old (now closed) account that receive money for gifts in one and car maintenance/dentist etc in the other
And lastly a Tesco Saver for an EF

beanielou · 25 April 2018 at 1:35PM

Good news on only two cards.

snorfing_along · 25 April 2018 at 2:25PM

Thanks Beanie

OneDay - I think having accounts that I don't have access to would be great for me too, it's so easy to move money back over to spend when it's all with one bank I might have a look at setting up at least I saving account with a separate bank. Thanks for the great idea

onedaysomeday · 25 April 2018 at 2:56PM

You're welcome! If I ever feel tempted I just give the physical card to someone else, and I also keep OH's credit cards so he doesn't spend recklessly but they are there for emergencies :rotfl:

snorfing_along · 27 April 2018 at 1:04PM

I've just put one of my cleared cards into a draw so it's only there to be used for a balance transfer if I really need it.

Payday yesterday and I lowered my planned payments this month in favour of increasing my planned spend/emergency fund, I really do need another savings account! So i'll update my signature later with payments and balance transfer shuffles.

In other news my car is still in the garage, dropped it off Wednesday morning and it's still there I don't think anybody even looked at it on Wednesday or Thursday, hopefully it'll be sorted out today. I live a good few miles from my nearest town so it's quite inconvenient not having it plus I've not been able to get to the office for work so I've had to work from home instead which is ok, but it's a bit boring and lonely after a day or two!

snorfing_along · 30 April 2018 at 3:10PM

I got my car back and the garage couldn't find anything wrong, so they put some extra oil in it but they haven't charged me anything yet. They said drive it around for a few days and see what happens.

Also my pay rise only actually added £7 on my wage, but my contribution to my student loan has gone up about £5 and I think there is more money going to my pension. I'm going to get out last months pay slip out this evening and have a look

It's shaping up to be a bit more of an expensive month as I have to pay £110 to my old gas and electric supplier as we have been using more than anticipated but it's not surprising with all the snow that we had, I had quite a lot of days working from home and needed the heating on

snorfing_along · 2 May 2018 at 3:30PM

Good news - my dogs tumour is benign, so he can have an operation to have it removed and he should be as good a new!

We have also reduced the price of our property by £3,000 so hopefully we might get a few more people coming to view and an offer

I have opened a second savings account and transferred the money I'm saving for my holiday into one and the emergency savings/annual insurance pot has everything else in, I was hoping to be able to pay off the holiday bit by bit but they payment needs to be made in one go so I'll have to save it all up and not touch it, at least my accounts will look very healthy

snorfing_along · 2 May 2018 at 3:31PM

I updated my signatures as well but changed how I'm recording the outstanding amounts, I just want the totals as it makes more sense to me and I'll delete the cards when I've paid them off

snorfing_along · 11 May 2018 at 11:56AM

Feeling really fed up with everything at the moment, still 2 weeks till payday and really want to have a spend and treat myself to some nice things. Maybe I'll just be practical and book my MOT, it's due next month but I can get it done this month then at least it's out the way for another 12months

beanielou · 11 May 2018 at 1:43PM

I am totally skint at the moment too.

The dreaded D word

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