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This & That

January 5th, 2015 at 08:46 pm

Not much to report really but I thought I would update anyway.

DH went shopping today, armed with my list. He added some extras to the list while he was there. He gave me the used list when he came home, with notes and everything. I wrote down the price and weight of the items I wanted him to get (he likes specifics) For his extra items he wrote the price and added it up so he roughly knew the total at the checkout. He also told me that he let two people in front of him while he organised his trolley.

I was charged an unpaid direct debit fee before Christmas. When I checked my statement I seen that I had plenty of money available. I messaged the bank to complain. They said that I was overdrawn, it just didn't appear on the statement. I asked for a refund and they're giving it to me. As much as I would like to put it towards debt and savings, I'm going to give it to my mum because she helped me out a lot when we were struggling.

I forgot to mention that DH doesn't really know about our EF. Not that it's a secret, just that it's linked to my bank and I set up the transfers. I think that whenever he knows he just wants to use it. I might be wrong. The last time I told him the balance was last year after I wiped it out. I know we haven't got much right now but it's something. I know that if we have enough saved and have a real emergency that we'll have to use it, but that's the point, isn't it? To have it there, in case.

5 Responses to “This & That”

  1. rob62521 Says:
    1420507258

    Sounds like DH is a thoughtful grocery shopper.

    As for the not mentioning the EF, sometimes it is good to have that in reserve and not know you have it...sometimes we like to spend extra when we know we have it.

  2. chloe Says:
    1420514869

    I bet you'll do great with your emergency fund goal this year, and soon it will have much more in it. It'll be nice to have it there for when you need it.

  3. snafu Says:
    1420527031

    Kudos to DH for his willing cooperation to do the shopping. I hope his chosen extra items we useful and practical. I too stay silent about an EF unless specifically asked for that extra bit of security. Do you find it easy to stick to your buying plan for the month of January? It helps to set a sum for the various categories and subtract sums spent. Once the budget sum has ben spent, buying in that category ceases until February pay.

    Maybe it's due to our ghastly January weather, I don't want to buy stuff, had enough over the 6 weeks before the holidays. I'm powering through shredding and tearing excess paper work.

  4. scottish girl Says:
    1420531182

    @rob - he is
    @chloe - hopefully
    @snafu - they were breakfast items.I think I'm doing okay. I need to get my shredding done too.

  5. FrugalTexan75 Says:
    1420595648

    Sounds like your Dh did some good shopping - sticking to the list mainly. Smile

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