Good morning! A little financial miscellany:
- I was expecting two weeks of unpaid leave in January – not the case now so this will give our budget a boost
- I can’t decide if we should add the extra money to our mortgage payment or use it to buy a new guest room bed (k. is taking her bed with her when she moves)
- I needed to pay £3 into the work lottery syndicate and I can’t decide if this breaks my January no spend lol – it’s a regular thing, but I forgot to add it in the budget.
- I’ve been trying to use a cash back credit card to pay for grocery etc the last couple of months and I’m still not sure if I like it. Building the cash back is great, but I think I prefer to use cash or my debit card so that I know exactly where I am ALL of the time.
- We spotted a little wet/dry (?) rot around a door to our under stairs cupboard, which will need immediate attention! Cost?
Okay I’m off to work. Have a lovely day 
I say use the money to find out about the wetspot That does sound a little dirty but you know what I mean
Lol! Good idea. Hopefully it’ll be enough to cover it!
It would be tragic if you stopped paying into the lottery pool and your work group had a big win; you’ll have to count that as an essential expense, LOL!
Exactly! Can you imagine!
I feel the same way about the credit card. I’m using it for the grocery gift cards but I have to say I still feel quite uncomfortable with it at this point.
I think I like to know exactly where I stand everyday. Not sure what to do though because I like the cashback!
Some credit cards, such as the one I use, show all transactions immediately and show up as temporary authorizations until they clear processing. That would get rid of the problem you are seeing but it probably varies by card.
I could make payments to the cc as soon as I use it but then it would perhaps be confusing…need to think about this one.
I am attempting to charge everything to my cash rewards credit card in 2013. Because I do all my banking online I can make multiple payments throughout the month. When I see a charge appear in my online bill I pay it from my chequing account. No balance at the end of the month!
I would spend the extra money on the wood rot situation. I learned, after a very expensive car repair, to keep up with maintenance and not wait and see.