Thursday, 19 January 2012

To Pie or Not To Pie

I quite like Thursdays, well I like each day of the working week on a sliding scale as we get closer to Friday. My favourite time of the week is when you first get home on Friday evening. If I could just bottle that feeling of the weekend stretching out in front of me then I suspect, I really would not have to worry about my debts or financial future at all.
To begin with, a quick update, after the new credit card arrived the other day, I rang them up and checked the balance transfer had gone through. It had, £690.00 on it.

I also thought to check the payment date and it was set to something like the 29th of each month. Well as I pay the credit card off sometime between the 3rd and 5th depending on payday this would have meant I would have incurred charges for late payment as I would not have paid the card between the date the statement was raised circa 10th and the date the payment became due circa 29th. Can you imagine my horror if this had happened?

So I urge you, if undertaking a balance transfer, just check the payment date with customer services on the phone. I really am pleased about doing this, but I will have to remember that the company will add a £20 BT fee on shortly. This is the only charge that is going on that card for the next 12 months, believe me!

I also rang up the old credit card, and checked they had got a zero balance on it. I had not accounted for interest from the old account when transferring the balance over, therefore had £6.01 outstanding. I paid immediately, so the credit card should close automatically. But, I will be keeping an eye on these pests.

A good job done!

Another good job is the £5 challenge I set myself this week, (well in actual fact £7.50) I went out today and grabbed a packet of crisps 50p (well this is a frugal blog not a diet blog!) and also popped into my local 99p store. It is like Poundland….only cheaper….by a penny….get the idea? And bought a new car washing sponge. 

Huge isn’t it? Think I am going to cut it in half.

Anyhoo, this means £2.31 left for tomorrow. That is loads! I think I might be able to do this kids!

 I also like the fact that by using cash as I have, it has meant I am able to track my current account online a lot easier. When you see a balance on the screen I know it is accurate, as I have not been waving the debit card around purchasing overpriced knick knacks.

I did earlier this evening, dig out my rainy day jar (i.e. an old mah-ooo-sive pub whiskey bottle and emptied it. £45.70 in shrapnel. Cannot decide what to do with it whether to bag it up and knock it off the debt or wait until it gets a little higher say £50 / £100. Nice dilemma to have though isn’t it?

The Chap is coming over tomorrow night after work for dinner. We are planning a day out (venue to be decided) on Saturday to get away from all the DIY. I will not feed him my frugal fare, so I will tomorrow have to pop and grab a couple of things after work to make dinner, I am going to take this out of my weekend budget as officially the working week will be over. Cheating! I hear you cry…. Well my blog, my rules…:o)

I do have a bit of a dilemma, there is this absolutely beautiful pie dish at my local House of Fraser, I like it so much I have been in three times this week to keep looking at it. Reduced in the sale to £4.25, so not a fortune, yet a really useful size for one. I have stopped myself from buying it so far, but I know that if I do not buy it in the next few days then I will miss out.

What does everyone think I should do?

I did pop over to pick up that book I got from freecycle this week after work - Rebecca By Daphne Du Maurier
I am loving it! Such a great story, read 50 pages in the bath this evening. Perfect... and Free!

Frugally yours

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I really love reading all comments. So please tell me what you think. Abigail