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 29^th of each month. Well as I pay the credit card off sometime between the 3^rd and 5^th 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 10^th and the date the payment became due circa 29^th. 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.

http://www.houseoffraser.co.uk/Linea+Curve+20.5cm+pie+dish+red/138638799,default,pd.html

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

Abigail

x