economising update…

I haven’t done a post for ages on our economising so thought a bit of an update in order.

It is slow progress but at least there is progress.  I have now moved our savings into higher interest rate accounts, although the rates are still comparatively low, but any interest is better than nothing.  These savings will help to make our pension go further in the future when we stop working so it is important for us to make the most of what we have.

One of the best rates for us at the moment is actually the Flexclusive saver from Nationwide  paying 5% gross over the year.  It is one of those regular savings account where you save up to £500 a month and this accumulates over the year – you cannot put in a lump sum at the start.  At the end of the year you have to close the account and start again.

On the spending side I have managed to balance the books so to speak and deal with the outstanding paperwork.  I think it took me longer than the two hours I am trying to set aside each week and last week I did not do anything at all deciding instead to go in the garden.

I have sorted out all our new outgoing payments such as the increased Council tax and my yearly parking contract and have fixed the utility bills for a while though these need constant watching for better deals.  I find it tiring to have to search around on the internet and compare all the time – thank goodness we don’t have to do this for the mortgage.

Since the New Year I am still planning a menu for the week although it is often a bit of a rushed flexible list; however, it is having the required effect and cutting down on any waste food.  I have also started planning and taking a packed lunch to work – mostly I have a mixed salad, a cabbage and carrot slaw with walnuts (homemade by OH) and then some protein – a piece Nut Loaf or Quiche or just a boiled egg – sometimes it is leftovers.   This saves me about £3.50 a day.

I  have two months overtime to claim this payday a total of about 50 hours so quite a nice boost to the savings pot although I have a few items I want to buy and I might even treat myself  – perhaps a relaxing massage or reflexology treatment.

When we go out we have been making the effort to pack a picnic – actually I am enjoying these and have a few recipes to try that I can freeze in individual portions.  Tomorrow we are going up to North Yorkshire with a picnic to see my granddaughter and visit the Himalayan Garden and Sculpture Park at Grewelthorpe.  I have a feeling the plant nursery is going to be far too tempting perhaps this will be my treat rather than a massage!

Sainsbury’s have been very good recently and keep giving me a triple points coupon and the reward points are already building up again – I have now got £64.24p.  Morrisons have also given me a £5 coupon to spend (we tend to get our petrol here).  It will come in useful when we go to Scotland as the two supermarkets in Stranraer are Tesco and Morrisons.

And the not so economical

I had a bit of a spending spree last week on items that I had run out of or worn out and a few that had not been planned for but caught my eye  – this is the list;-

  • I needed some face cream and I use Neal’s yard which is not the cheapest but it suits my sensitive skin
  •  one or two gorgeous little outfits for my granddaughter from Sainsbury’s £18
  • a white top for work from Sainsbury’s £10
  • some new Tayberry Mucker gardening boots £35  from the internet as my old ones are wearing out.  They are a bit like moon boots but very flexible with comfy fur-lined soles – I wouldn’t be without them so much better than my old wellies.

Tayberry Mucker Boots

  • a bird house from Sainsbury’s £8 and OH has put this in the garden, attached to the top of a pole. I think the pole cost more than the bird house!

 

We also bought a few items for the garden last weekend from the Garden Centre with my birthday tokens (some National Garden vouchers) which covered the cost and although I could have been thrifty and grown my own herbs I felt it was just nice to treat myself and the large bottles of feed / bug spray will hopefully last a very long time – here is the not very thrifty list:-

  • A Gazebo to go in the shady border £35
  • some organic seaweed feed £7.49
  • an organic greenfly spray £6.99
  • a courgette plant, some mint and fennel £5.49
  • a posh garden fork by Burgon and Ball £9.99
  • a paving knife also by Burgon and Ball £9.99I love my new shiny stainless steel hand tools – my old fork has hardly any wooden handle left it is so worn – but must be well over 20 years old.

Hope everyone is enjoying the weekend x

So much to do and so little time to do it…

…was it Pooh Bear who said that…or was that about eating honey – Oh if eating honey was my only task!

I have set aside what time I have this month to Focus on completing and following up on the previous three.  To recap: I spent January focusing on my finances, February focusing on simplifying and decluttering my space and March focusing on a Spring clean.  I now have a list of left over jobs to tackle from each month and only two weeks of April to complete as we will be away for Easter and beyond.

You will find the list of tasks under April if you click on the Focus 2014 tab above or click here

I have been a busy bee this weekend whizzing through some of those little jobs that hang around – you know the ones I mean the non-urgent tasks that seem to roll over on the task list from one month to another.  If you don’t suffer from this ever then please leave me your secret in the comment box!

Since last Friday I have managed to  –

  • get a spare garage key cut £5.50 (ouch!), only on the list since last month
  • take my paper scissors to be sharpened £3.50 (I thought this was reasonable as they will last a while and it saves buying any new ones), on the list since January
  • laminated the clock change instructions to keep handy in my car and the compost layering ‘recipe’ to nail to the underside of the compost lid, as well as the musical sheets that are part of our musical crackers game ready for next Christmas get together,  on the list since January
  • cut back part of the front lawn that had crept over the driveway, on the list since last September
  • weeded the front bed where my lovely tree had been that succumbed to Honey fungus and is now ready for new planting,  on the list since February
  • finished copying over the old videos that we want to keep on DVD discs,  on the list for over a year
  • hubby took the sink trap off for cleaning (the fact that he didn’t screw the half bowl trap back on properly and I flooded out the cupboard below tonight – we won’t mention!), actually not on the list but we had a drain smell occur this last week
  • sent another bag of clothes to charity,  not even on the list
  • washed my black winter coat,  on last months list
  • washed all the cleaning cloths and dusters,  on the list for ages – the pile has just got bigger (they definitely breed)
  • balanced our finances, trying to do this at the end of each month no matter what
  • located the bottom of the ironing basket, this is on my weekly list but often has to be abandoned

and that was as well as the usual cleaning, washing  and tidying but it does feel good to not have to roll them over again.

 

I must say that the parts of the house that I have simplified, decluttered and cleaned are a real pleasure to be in.  I do need to work on my routines to keep up to this level of tidiness, cleanliness and clutterlessness (is there such a word?)…and most of all I need to keep a tight hold on the purse strings to avoid buying and bringing unnecessary bits and pieces back in.

Having said that there are certain items I am looking to buy or even make and as I go through each room simplifying and decluttering I am making a list of these items.  That may sound strange when my mission is to get rid of things but I also want to enhance my new space and make it decoratively pleasing to be in.

One of the items I am on the look out for is a small pretty wicker basket to contain my use up toiletries – so I can leave it out in full view and remember to use them.  At the moment they are in a Muji plastic tub but it would be nicer to have them in something a little more decorative than functional as I am sure it will be an ongoing container, even this plastic one

Small Faux Rattan Storage Basket

Google Images

from Lakeland would be better but I would like to avoid plastic and prefer a white-painted wicker one.

For anyone out there doing the same decluttering / tasks / spring clean how is it going for you?

 

Have a good week x

 

 

 

 

Financial Focusing review #2

Such a short month February I suppose it should be easier to stay in budget but I still went over by £1.85.  Now I am thinking if only I had taken one more packed lunch I would have hit my target.

If you haven’t been following along my budget allowance for this month has been taken from the whole of  last years spend for each category – less 10% then divided by 52 and times 4 which gives me the figure in the end column.

February 2014 Spending

The £13 for cleaning product was spent on water filters  – a box of 6 which were half price.  I have classed them as a cleaning product as it isn’t really a grocery item either and after all in my logical thinking they do clean up the water!

My groceries were well under budget but my lunches more than double – I must make an effort to pack up more – my mornings are always so busy I need to know exactly what I am taking in fact Ideally I should prepare it the night before.

I had to buy more supplements this month as I had not been replacing them as I ran out since Christmas and they are always expensive I also stocked up on Homeopathic remedies which have to be ordered over the internet.

And you may have noticed the stationery spend ooops – still I am reorganising my office space – I will have some photos soon to show you of the new streamlined office which is slowly coming together now –  but not yet finished.

I managed without buying any petrol last month but I know as I write this I will need to fill up tomorrow when I go shopping I am just hoping I will get a petrol voucher to get some money off.

I am really pleased with the toiletries coming in at £6.24 all I bought was Epsom Salts and Ball of foot cushioned pads both items for my feet.  I add the Epsom salts to my foot bath when I soak my feet.

And now the items that came into our house in the last week or two.

What I bought Feb

 

From left to right –

  • Black display binder – to store my decorating ideas
  • Patterned shopping bag – self explanatory
  • Mini spray bottle – for cleaners – I use these around the house as they are neat and small enough to store in small spaces
  • 3 books – yes I went to Waterstones when I was in Leeds for my hospital appointment but I only paid for one of them as I had £10 on my stamp card and £4 on my points card.
  • 1 box lawn food – ready for April this was on offer at Sainsbury’s
  • Toiletries – 3 for 2 offer on shower gel plus extra points,  handwash from the £1 shop
  • 3 spiky physio balls – I have been wanting to order these for a while as the osteopath I saw last year swears by them for tight muscles.
  • Pack of commemorative children’s TV stamps – occassionally I treat myself to a pack of special stamps for my collection – I couldn’t resist this one of Childrens TV characters
  • Garden Illustrated magazine – I bought this for the article on planting a white border.

None of the items came out of my housekeeping budget apart from the toiletries which are from the March budget and so don’t appear in the table above.

These pictures will now go into my Incoming items tab on my rerouted blog click here to see the full list so far this year of what has come into the house that is not food.

This weekend I had to search for car insurance and breakdown.  After the performance I had when I broke down before Christmas with the free breakdown included in my insurance which turns out is not free at the point of need I decided to buy a years cover from Green Flag which will cover me going to work or  further afield for £65.  My car insurance does not reduce if the breakdown is not included as it is ‘free’ but my current provider is still the cheapest available to me when I search the internet comparison sites.

I am always glad when that job is done and I am signed up for another year.  To make the whole task easier I have a typed sheet with all the information I require to answer the questions such as the year I passed my test and the year I bought my car.  I keep this with my folder so I can refer to it each year – I also keep a note of my no claims bonus years as different providers have different limits.  I am now on 11 years no claims wheras my providers limit is 9 years.

I will need to keep a careful eye on the March budget – it is a longer month and with Mothers Day coming up I will be having a visit from my mum which I will need to save for so I can treat her to a few days out and about.

How are you doing with your budget so far?

Financial Focusing review #1

Update for February Housekeeping

February                                                              Wk1                 Wk2
Groceries / wholefoods and cleaning      21.10               38.15
Lunch & snacks at work                                 0.00                 7.65
Medicines/ remedies / supplements        2.29                 0.00
Stationery                                                            0.00                 5.97
Toiletries / makeup                                         6.24                 0.00
Total                                                                      29.63                51.77
Having a week off work with my poorly foot  in week 1 of February actually saved quite a bit of money partly because I did not have to buy lunches and partly because it kept me out of the shops!
I did also use some reward points towards my groceries so although these figures look quite reasonable if I factor in the reward points I would have overspent on food.
I am quite proud of myself for not buying any magazines this month so far.  I have a subscription for Country Living (xmas present) and I kept last years too to reread – much of which is still relevant.

Update for the bill budget

There is good news on the energy savings too – Npower our gas provider have refunded our account with £250 and will reduce our standing order to £60 month.  I will be working hard to get this reduced further but at the moment this is a start.
Scottish Power are yet to send us the £54 cheque for the compensation due for last years 3 days without power during the heavy snow.  I was told it would be here the end of January and I rang to remind them of this last Friday but could not get to speak with the right person.  It is quite frustrating that I have to keep chasing them – I can feel a letter coming on.

Items coming into the house this last week. 

I have been having some problems with the car remote and have had to use the ordinary key.  So I bought a new battery which only lasted a day so I think there must be something wrong with the remote fob – a bit of a waste of a new battery and the money.
Car remote battery
I bought these garden chair covers to put over the metal patio chairs and keep them from the bad weather. Money well spent here I think.
Garden Chair covers
This is a granite worktop saver and I have had this on my list for a long time – we have one at the cottage and they are extremely useful and versatile – I can chop veg and put hot pans on here and being cool it is good for pastry though perhaps a bit on the small side.
Granite worktop saver
This exercise of monitoring what comes into the house is quite enlightening and I am already beginning to see where some of the money goes and how we  accumulate more stuff soon after a clearout – I have already bought quite a few items this year even though it hasn’t felt like it.  One or two new items a week will accumulate over the year to a huge 52 -104 items.  That is actually quite a lot of new things to find homes for unless they are replacing something I already have.
Tomorrow is shopping day – with my meal plan in hand I should only be buying the basics – bread, milk, fresh veg and anything we have run out of.  I don’t know whether to be excited or worried about a trip to Rymans one night this week.  I am clearing our home office / craft room at the moment and need a few more stationery items to complete my new systems.  The temptation could just prove too much!
On a different note my appraisal was OK – glad it is over I don’t feel I get much out of them really and I don’t see how one form can suit all personalities I feel I need to redesign mine to make sense to me!  It will now end up in a folder and like everyone else only be referred to prior to the next review in 6 months time – not how they are meant to be used but I will be making my own goal and task list that I can understand.
Have a good day tomorrow – the weather is certainly improving but for how long?

January Spending Review…

Crutches

At last these are now redundant and my foot almost back to normal.  Thank you everyone for the kind words – at least it hasn’t prevented me from reading your posts.

I have been having a bit of a review of my spending for January – has my financial focus done any good?

January 2014 Spending

This was a 5 week month – my 1st week began on Monday 30th December and the 5th week ends on Sunday 2nd February for ease of calculating and comparing full weeks. 

I had a £38.18 overspend in total with some of that being on groceries, lunches and petrol.  However, if I am careful I won’t have to buy petrol next month unless I go further afield to see my daughter or my mum comes down for a visit.  On the whole I am quite pleased with the result at least having a target makes sure that you limit any temptation to overspend.

The areas I need to work on are lunches and stationery – quite clearly a bit over the budget I have allowed myself!

As you know I am photographing everything that comes into the house that is not food and below are the items for last week.  You can see all the items to date by clicking on the Incoming Items 2014 tab across the top of my blog.  It will be interesting for me to look back and analyse exactly what has been useful or not, what I didn’t really need to buy and what I haven’t even used!  Hopefully none of the last category.

New products Wk 5

A Mascara, 2 x  lip gloss and a bottle of Tea Tree Oil

Shopping Wk 5

You will have noticed the second photo contains all stationery items – once I go into Rymans I can’t help myself it is like being in a sweetie shop – but they are all to help me in getting the office better organised. 

The Deep Tuff box is something I am test driving so to speak.  At the moment it contains all the papers and brochures in connection with our future new Kitchen.  I might also buy one for my extensive garden clippings and notes.  They fit neatly on a bookcase on end and I think they are an excellent way to contain papers in a space saving upright position.

The long thin item is actually called Filefix  – A4 self adhesive filing strip, something that I actually made myself a long time ago by cutting the side strip of one of those thin plastic wallets and sticking the perforated edge to the edge of an instruction booklet so that I can put it with all the other papers in my instructions binder.  Perhaps I should have patented the idea at the time but I am delighted someone else has thought to market them.

These coupons also came into the house this week by post – at least we had no junk mail.  I can use the Tesco coupons for food on our next trip to Scotland and the M&S vouchers for £18 will come in handy for food or a gift or two or even new tights.

Coupons

I hope you had a thrifty January  – have a lovely weekend.

Financial Focusing update #13

My last day today focusing on the finances.  It is funny that I should end my updates on number 13 – unlucky for some maybe but I have potentially saved a lot of money over the last month with my bills and my task today is to revise my Housekeeping budget.

I have noticed on my travels that one persons Housekeeping is not comparable to another as they encompass different categories.  So that you are not in any doubt I will set out exactly what comes under the heading of Housekeeping in this household.

  • Car Wash (hubby’s company car)  -birthdays and high days as they say – usually in preparation for my mums visits.  Mine stays dirty most of the time.
  • Extra Cleaning Products – usually from Wilkos
  • Groceries / Wholefoods / Drinks / cleaning products
  • Lunch and Snacks at work – these are bought lunches – the cost of packed lunches would come out of the groceries budget
  • Medicines / Remedies / Supplements – anything to make or keep me well
  • Mobile Phone – hubby – only used at the cottage
  • Mobile Phone – me – emergencies
  • Parking charges (non contract) – usually on shopping trips and days out
  • Petrol – my car
  • Postage
  • Stationery
  • Toiletries and make-up

For 2013 this is how my housekeeping spending looked

Housekeeping Budget for 2013

A grand total of £5,220.26 or £100.39 per week

If you look at the Groceries and wholefoods this is the biggest spend at £3168.98 or £60.94 per week.  £10 over my original budget of £50.

So my challenge now is to reduce the amount for the total Housekeeping and this will mean identifying where cuts can be made.

Toiletries and Makeup

The total spend on some items is more of a shock than others – £521.84 on Toiletries and make-up when I only wear a bit of mascara and lip-gloss.  The rest is on beauty creams (though they obviously don’t work that well for the money!), shampoo, shower gel, body cream and cotton wool.  I always use the Boots money off vouchers and gain points so I wonder what the full amount would have been.  I like the products I buy so I can only use less and make them last longer or ask for vouchers as birthday and Xmas gifts.

Medicines / Remedies / Supplements

The other shock is medicines, remedies and supplements – now this category may contain some wholefoods in the figures as some items are on the same till receipt and I may not have split them out.   The total was quite a shock and even though Vitamins and supplements are quite expensive £11.85 a week is a steep figure to keep healthy.   The only medicine I buy is dissolving Paracetamol as I have some training in using Homeopathic remedies.  The biggest spend will be the supplements which will include my daily Vit D, Krill oil, EPA oil and Vit B12, because I am vegetarian and  Aloe Vera juice and Acidophilus for my digestion.  I do believe in keeping myself as healthy as possible and I am hardly ever off sick – I certainly haven’t had a cold this year.   The Thyroxine that I take is free on prescription for life because I will be dependent on it for life and keeps me from being Hypothyroid.

Petrol

My petrol costs me £8.29 a week – again I will only fill up when I have a money off voucher from Sainsbury’s.  I must read up on how to cut fuel costs I think there are certain techniques you can employ when driving to reduce consumption and I don’t mean coasting down all the hills although we have plenty around here.  So just like turning your oven off for the last 5 minutes of cooking I could coast the last 1/2 mile to our house LOL!

Lunch and Snacks at work

My lunch and snacks are actually less than I expected and with more effort I could reduce further –  I had already decided to take two and buy two meals at work each week.  The summer is easier for packed lunches as there is a constant supply of salad – this weather I just want soup.   (Yes I know I could make it myself and I do at the weekend but then we eat it!)

Mobile phones

I topped up my mobile with £20 in February and December – I didn’t quite make the year but maybe could stretch the December top up over this coming year.  The only reason I ran out in December was because I broke down and the very inefficient Jobs Worth at One Call Insurance took so long to deal with the situation.  Don’t they know I am on a tight budget LOL!

Stationery

Stationery – what can I say  – the lure of Rymans is just too much for a girl and all those seemingly insignificant items like display books, plastic wallets, pens and filofax diary inserts that I have purchased over the course of the year just add up.  It is my one weakness (apart from magazines but luckily they come under Leisure in my budget).

So my aim is to reduce these amounts definitely by 10% and hopefully by 20% or more in some categories.

How does this look in figures – take a look at the chart below.

Housekeeping Budget for 2014

The groceries work out at £50 a week and this year I will work on the start I made last year to meet this target.

In addition to this category we have, of course, all the other extra items such as cards and gifts, household contents, decorating, garden requirements, leisure and entertainment, books and magazines, crafts and hobbies and I will be coming to these but maybe not today.

So there we are January is well and truly over now and although I have not done every task on my list I feel my finances have had a good overhaul.  I will be carrying on throughout the year especially reducing the housekeeping which I will log on my blog rerouted.  I will also do occasional update reports but for February my attention will be on my next project.

Have a good weekend x

Financial Focusing update #12

Well that has taken some doing to transfer my excel spreadsheet into this post.  I have had to figure out how to convert it to a PNG file to upload as I found converting to Word was just not working.

So here at last are all the figures for my  2013 Bill Account Budget (actual) and the 2014 Bill Account Budget (forecast) based on this.

Click on the tables if you want a larger view.

2013 Bill Account Budget

Budget Year 2013

2014 Bill Account Budget

Budget Year 2014

As you can see we always have a heavy month in January and last year we had an unusually heavy month in December due to the car breakdown which also cost me an extra £50 on the insurance breakdown cover.  £30 excess and £20 because the car is now more than 10 years old (or maybe it was the other way round!)

We spread the cost of some payments with monthly direct debits where this is free to do so.  When money was tighter we had everything on monthly payments even if there was a small charge.  Now we have a good float so any one big bill isn’t a problem.

The Budget notes line by line

  • Car Insurance / Breakdown – due in March and usually under £200.  We pay the full amount rather than monthly payments.  This will be my next research project in February.
  • Car Maintenance is always a service and MOT in January.  It is usually about £250 sometimes less but unless something happens during the year this is all I pay to keep the car maintained.
  • Car Parking – this is a hefty bill  – I park in a local council car park and opt for the prepaid contract price with a huge discount for paying for the year by monthly direct debit.  I park all day 4 days of the week and need it to be in a safe place for when I am returning to my car in the dark and when I work late.  The bus fares here would be £666 annually so much dearer than the car parking although obviously I would save on car costs.  As I am working this is my little big luxury.
  • Car License – this keeps increasing by about £5 a year but is a relatively fixed price.
  • Council Tax – this may increase by about 10% but is a pretty fixed price and we use 10 month direct debit payments to even this out over the year.
  • Electricity – I am hoping as we are in credit this will reduce when we have our review.
  • Gas – the budgeted figures here do not take into account the £500 credit that we are waiting hoping to get back or a reduced payment at this stage.
  • Gas Servicing – this includes any maintenance or breakdown and parts for the boiler or gas fire.  We are not on a contract as we have a local heating engineer who will come without a call out charge and his rates for labour are reasonable. We are expecting a bill in any day now for the recent repairs to the boiler.
  • House Insurance – Buildings and Contents again we pay up front to avoid any monthly payment charges.
  • Internet Security was a 2 year package so no payment required last year and will be due to renew in November.
  • BT / Broadband / telephone – we are on the Unlimited Anytime Plan for calls £4.15 a month and Broadband –  £18.85 month.  We pay £141.00 (equivalent to £11.75 a month) upfront for the line rental in October.  I think the cheapest we can get this bill down to each month is £23.00 (£4.15 + £18.85)  if we do not get charged for any additional non plan calls.  On unlimited anytime you have to keep within the hour for each call so a timer is necessary so that you can end a call at 55 minutes and then ring back for another free hour.  You may wonder why we want to have all our package with BT as Broadband can be cheaper if you find an alternative provider but we personally would rather pay a bit more and be able to ring one company to sort out any problems or faults rather than end up being passed from one to the other and no one wanting to deal with the issue.  I am allowing £30 a month but hoping we can keep within £25.   We don’t have a contract for our mobiles they are pay as you go and we only put £20 on mine for the year for emergencies – this is taken out of the Housekeeping budget – I am strictly a landline girl!
  • TV License – always a fixed price and we take advantage of the monthly payment as it does not cost anything to do this.
  • Water Rates – we are hoping this will reduce with a meter but I have left it at £600 for the year for now to be on the safe side.  We pay 8 monthly payments Apr – Nov.
  • Contingency – this might cover anything from an appliance or car breakdown or some unforeseen bill.  If we do not use the £600 then we can roll it over or put it into savings or even use it at Xmas.

Mortgage – I haven’t included the figures for this in the above budget but we do have one and it does come out of this bill account as do the cottage costs and payment into a pension fund.   They are pretty fixed amounts the only variable is the electricity, oil and insurance for the cottage and I will be looking at reducing these costs too.  At the moment I don’t feel I want to disclose all our personal financial details onto the www!

The 2014 budget will be amended as the year goes on.  I am having to guess the Council tax and water as I haven’t had the bills in yet and we have gone ahead with the application for a meter, (once installed we have a year to change our minds).

Success

You may have noticed that all my efforts in this Financial Focus month to reduce our bill spending have paid off as the total is almost £1000 less this year even with the £600 contingencey added in.

The amount we need to put into our bill account each month for the year is £6681.60 divided by 12 = £556.80 which I would round-up to £560.00.

Good Customer Service

On another note I must congratulate Benetton who have given me a credit note today when I returned a fine lambswool cardigan I bought there a year ago.  It was my favourite cardigan which had developed a hole in the elbow and I felt this was a bit soon for something of this quality that I only wore during the winter.  The assistants were very understanding and thought it might have been a fault that has developed into a hole and were only too willing to change it had they had the same one in stock.  Well done Benetton.

Poor Customer Service

On the other hand Npower are being absolutely unreasonable about our £500 credit and are trying all ways to avoid giving us this back (or reducing the inflated direct debit that has caused the credit in the first place),  including deciding that they couldn’t speak to me anymore once I mentioned the reason for my call was that I would like my money back.  They will only speak to hubby now as it is his name on the bill!

Well Npower we may just go and see what deal Scottish Power can do for a combined gas and electric account.  It may be a little dearer but at least we can hang onto more of our money and I can speak to them even though my name is not on the account as such. It is not always about the cheapest deal – Scottish Power were very pleasant to speak to.

Almost the last day

My final day tomorrow of the January Financial Focus – I haven’t quite got through everything I set out to do but it has been quite a cost savings exercise.  I am still planning my February Focus so stay tuned and all will be revealed.  I will of course be revisiting the financial tasks – I still want to sell on ebay and make more cards etc but I might try to incorporate these tasks into other ‘focused’ projects.