Marvelous Frugaleers - Just Jiving through June

[Unescorted]

Ooppps filled up the old thread..... carry on

www.mumsnet.com/Talk/other_subjects/1324074-For-those-who-cant-afford-to-use-central-heating-this-year-How-are-you-going-to-cope

www.mumsnet.com/Talk/credit_crunch/1543785-your-top-tips-for-money-saving-and-a-more-frugal-life

www.mumsnet.com/Talk/credit_crunch/1600030-Small-money-saving-habits-petty-even

www.mumsnet.com/Talk/credit_crunch/1628874-Gas-Elec-Bills-monthly-and-SKY-so-angry

www.mumsnet.com/Talk/mumsnet_classics/1911061-NO-MORE-COLD-MUMSNETTERS

www.mumsnet.com/Talk/_chat/2209167-Slow-Cookers-are-shit

www.mumsnet.com/Talk/_chat/2224969-saving-money

www.mumsnet.com/Talk/legal_money_matters/2258202-Debt-mutual-support-thread-number-6-start-the-new-year-with-a-clear-purpose-and-keep-moving-forwards-even-by-tiny-steps?

orchard.tesco.com/ Sign up to this.

www.topcashback.co.uk/home And this.

www.quidco.com/home/ And this

www.moneysavingexpert.com/ And this

www.moneysavingexpert.com/cheapenergyclub ditto.

www.checkoutsmart.com/ Plus this.

www.hotukdeals.com/all/deals/new?page=3 Check this daily.

Ooh, good find on the Converse!

Waving madly from sunbed in Greece (sorry!)

I have a question about opening current accounts. Can I have more than one? We have just the one for everything, income, bills etc... And a savings account with same bank.

Think I saw something further down the thread re multiple current accounts

Is it in my interest to open others? Are there incentives/cash offers and do you need to put in a minimum amount each month? Do you have to prove you're using it for Direct Debits?

SoZ way more than 1 question!!!

Back to my piña colada

Yes peppa with the hsbc one you have to pay in £1750 a month and have two direct debits (I think for two months).

Hi Peppa I'm about two days ahead of you. Read about it on here, then recognised it later on MoneySavingExpert where they describe it as piggybanking.
I'm not eligible for any bonuses beyond being more organised and in control, but it did lead me to a couple of better savings deals.

Realistically how much is it a PITA to open an additional current account (still want to stay with current one) and move say 3 direct debits for £100

Hmm not as easy as switching completely as they do it all automatically for you. Transfer all the direct debits and close old account.

Ipsos we could never afford that much but it would be a starting point.

Piggybanking - shall have to read up. Thanks Myturn.
Am quite happy to switch around with utilities, insurance etc but seem to get nervous when playing with banks.

+£15 on fb selling page.

I would have said the same, but I'm getting in to the swing of things today. I haven't gone hardcore because I'm just sticking with the same bank, so can see all of the accounts on the same log-in.

Dh did say his boss mentioned something about being exempt. I'll ask bil he works in finance so might know. Thanks

unescorted I'm so sorry your mums going through chemo, it's a tough treatment.

I'm glad you enjoyed Greece Laska & Peppa.

Lots of cold water worked for me when I had recurrent tonsillitis. Avoid coffee whatever you do, it drys the tissues out. Not that any of you probably feel like drinking coffee.

I'm not doing the money test, I'm trying to get the house decorated so all spare cash goes on that. I'd come out as terrible with money and at risk of bankruptcy.

£8.50 petrol.

£8.40 in tesco on tassimo pods, cream cleaner, Dw tabs, no daisy powder! was v upset, and cherries.
£5.85 on jeans off eBay.

Just checking in...1 1/2 hours befeore officially finish work. Have a wrotten cold and yesterday curled up on the settee and didn't move...my two teenagers looked after me :) and rented myself a movie off the playstore for £3.49 as was feeling very sorry for myself. Have to get out of the habit of renting movies as they all add up!

collie thats a good price for a loo seat thanks for letting me know! hope your tonsilitis is feeling much better...if it hurts too much to drink/eat...ice- pops are the way to go and help soothe too - must keep your fluids up

unescorted Big loves and hugs to you and family

Laska CONGRATULATIONS!! paying off your mortgage...Im at the other end of the scale and saving for a deposit...Im inspired to pay a mortgage off early when I get one...it must just be a wonderful feeling

Spotty Blumin eck!! 15pound on facebook...didn't know things could be sold on facebook too? does that mean no fees etc??

babs pet insurance very wise...its scary how the bills add up as they get older...trust me

NK Happy Birthday!!

and hello to everyone else!!

1 1/2 hours and counting...

No fees cash in my hand and oy had a £20 and I only had £4 change (could have pretended I didn't have any but I'm an honest one ).

It's on the bbc website somewhere.

I'll start a new thread.

www.mumsnet.com/Talk/credit_crunch/2424523-July-Frugal-thread-Just-chatting-and-saving

Sorry it's not witty, I planted an acer tree earlier and I'm shattered.

Hi everyone I am joining you all :)

We have has a reality check lately & it's time to stop spending & start paying the debt off, if we want to save for a deposit!

First step, paying of those retched CC, I will try & get my head around how to do that.

On the plus I finically got my tax rebate of £550! Which will go into savings until I know where best to put it.

Woops just realised that's it's actually July! Just a little behind