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Interest Beater Challenge - it works like magic!
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Frugaldom
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Location: Dumfries & Galloway, Scotland

PostPosted: Tue Jan 21, 2014 12:42 pm    Post subject: Scraping together extras  Reply with quote

Having registered for Nectar tool bar and Adpoints, plus the bonus points these bring, I managed to scrape over the 1000 points today and have now transferred the first 5 in eBay vouchers to this challenge. It's a start and it's totally free money, so I now have the equivalent of 5.01 in this challenge, only 81.40 to earn and still nothing listed on eBid.

Is anyone having trouble with Nectar toolbar? I have installed/uninstalled/reinstalled this several times and still cannot get it to function properly.
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Poppycat1
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PostPosted: Tue Jan 21, 2014 1:28 pm    Post subject: Reply with quote

I am sort of joining in with this challenge.  I don't have a Billy Can but I do have an account called 'Billy Can' on Microsoft Office.

So far I have 15 Next voucher, 10 Argos voucher, and 21p cash finds.  Total = 25.21.

The Next voucher will be used to buy clothes for the boys when needed and the Argos voucher is going towards DS2 birthday gift.

Stuff that I will use to add to this virtual Billy Can are: finds, vouchers earned through surveys, points from supermarkets, items sold, Cash Back plus anything else that comes up.

I have lots of bits and pieces 'pending' like cash back and supermarket points but will add them when I get them.  I have ordered new Boots and Nectar cards today and they have about 3 on between them.

Although I wont have the money at the end of the year I will have a record of the extra money that came in.  I may even pretend that one of the cats could get an ISA and earn two lots of interest, is that taking it too far? lol
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Frugaldom
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Location: Dumfries & Galloway, Scotland

PostPosted: Tue Jan 21, 2014 3:29 pm    Post subject: Well done! :) Reply with quote

Nothing is too far-fetched in Frugaldom, Poppycat. At the end of the year we'll calculate how much money we'd need to have in the bank to have earned the equivalent in interest.

Based on the theory that our extra cash represents interest on fictional savings, I've got a full year's interest on 334.00 This means I've magically 'saved' a full month's worth of my 4,000 per year household budget.

And wow! Poppycat! Your voucher values equate to a year's interest on savings of 1,680.67, so that's a fabulous haul!
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Poppycat1
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PostPosted: Tue Jan 21, 2014 5:55 pm    Post subject: Reply with quote

WOW - that's a lot of money I would need.  Really pleased with myself that I used Maths skills that I haven't used for ages to work out the sum needed.

Billy Can Savings x 100/1.5 = Savings needed.  I hope you don't mind me putting it here so I don't have to work it out again.

I have just found a savings account that pays 6%.  It's a children's account so I will check out the details.
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Frugaldom
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PostPosted: Wed Jan 22, 2014 1:11 pm    Post subject: The magic box Reply with quote

Look what mysteriously appeared in my mail box this morning!


Click to see full size image

It's a little 'lucky bag' of bits and pieces from a frugal-friend who was having a clear out and thought I could use these - googly eyes, feathers, pompoms and squeakers.
I am going to put them into my magic box with my billy can and then turn them into something (as soon as I get more of my own de-cluttering done) that might possibly sell and try to earn a few magic pennies that way.
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Retrowren
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Location: South coast

PostPosted: Sun Jan 26, 2014 10:32 am    Post subject: Action Reply with quote

I must try really hard to bring my billy can into action.
Something has to be done in the wren house to bring in more money and save what I have.....

Rw
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Frugaldom
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PostPosted: Sun Jan 26, 2014 12:38 pm    Post subject: My excuses Reply with quote

I should be writing down all the excuses I use for not getting things done and adding the notes to the billy can - so I can burn them out my life! I get so annoyed at starting out with great intentions then, before I know it, several hours have gone just updating online 'stuff' and none of it profitable.

This is a serious problem for me as I just can't equate time to money and, as a result, nobody else values my time in money terms either.

Now onto the Nectar Adpoints programme - I see now that it's not actually worth what I first thought! I'm only into my second week and have already run out of ads, so I'm nowhere near the maximum 250 points earned. I'm stuck at 195 with zero points showing available across the board. I did think it seems far too easy to gather an extra 13,000 points a year.
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Poppycat1
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PostPosted: Sun Jan 26, 2014 1:07 pm    Post subject: Reply with quote

Only 48p added since I last posted.  I filled the car with petrol and when I got to the counter they asked if I wanted to use a voucher I had on my Clubcard.  I said yes and got 48p off.  I won't normally count vouchers because I probably wouldn't of bought the item if I didn't have the voucher.  But I wasn't even aware of this one.

Total:  25.69
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Retrowren
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PostPosted: Tue Jan 28, 2014 1:02 pm    Post subject: Billy Reply with quote

Oh my word, I'm over excited as I used Billy  

I didn't buy my son a magazine when I would normally have done had he not been so extravagant with my phone!
(I can't believe he even asked to be honest!)

I didn't buy a pot of salad when I had some shaky minutes as hunger had got to me (posting on my get fit thread) I waited till I got home and cut n washed what I had just bought!

So yes, Billy gas started n I'm like a kid in a sweet shop about it. Weird huh?  

Rw
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lovefullshelves
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Location: norfolk

PostPosted: Fri Jan 31, 2014 9:06 pm    Post subject: Reply with quote

Brilliant idea! On sunday, when I shall be all alone I shall make a Billy of my very own! And In it, virtually, shall go the two asda cards OH gave me, that he got from vodaphone freebies (which he was gonna let run out!) So thats 20:)
I can't actually bring myself to spend them!
Thanks for the big grin I'm sporting!
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Frugaldom
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PostPosted: Fri Jan 31, 2014 11:04 pm    Post subject: Billy can fun! Reply with quote

Glad you are seeing the frugal and fun benefits of having your very own Billy Can because he most certainly can help in a dilemma. I have mine sitting by my desk while browsing decorating ideas and called upon him just recently! We had only half a tub of white emulsion and about the same of magnolia - so the white got watered down a primer for the new plaster and then the magnolia went on the walls. It looks a little patchy but far from awful, so I have saved myself an extra 20 by not buying more paint.

I began bidding on eBay for rugs and almost got carried away... then thought of the magic that is my Billy can - I stopped bidding and started my long-planned rag rug!
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Poppycat1
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PostPosted: Tue Feb 04, 2014 12:17 pm    Post subject: Reply with quote

10 Argos voucher and 5p find added to virtual Billy which take my total to 35.74.  Argos voucher earned through survey site and 5p found in the self service till at Morrisons.

I was given two large boxes of buttons from a distant relative that moved in to a care home last week, hoping to find seven matching ones to sew on to a cardi Mum knitted me.  The rest are going to my Beaver Scout colony for crafts.  Wont add this amount but probably saved around 5.
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lovefullshelves
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PostPosted: Tue Feb 04, 2014 2:51 pm    Post subject: Reply with quote

My friend gave me a pack of tesco mince as he hadn't room in his freezer. (I think he worries about how much money we have)It would have been 3.00 so that can virtually join the asda vouchers in Billy, 23 in there!
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Frugaldom
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PostPosted: Tue Feb 04, 2014 7:00 pm    Post subject: Dancing and singing! :) Reply with quote

I have gone 10 full years without owning a sofa or suite of any description, just making do with the big fouton I bought in 2002. Now that the house is progressing, I had started pricing suites, sofas and armchairs while also keeping an eye on the small ads. Guess what? I have found a FREE sofa! It's a 50 mile round trip from here but neighbour is going to hitch up his trailer and he & H are going to collect it tomorrow - weather permitting! I am so, so excited! Without Billy Can magic, I'd have given up and succumbed to buying the cheapest new sofa I could find but I absolutely LOVE this one, judging by the photos!

Edited in - sofa collected and now in situ with the new carpet and my lovely antique wooden fireside box. I love it!
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lovefullshelves
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PostPosted: Sun Feb 09, 2014 2:48 pm    Post subject: Reply with quote

yesterday I thought of Billy while I was out shopping, I picked up a dress in the sale, twice..and put it back..and hair clips in pondland..hello kitty, and put them back too. I stood there having a conversation with myself about if I actually needed them! It would have been 11 pounds spent just on me, unthinkable! I have alot of dresses already and when I finally get round to going to the hairdressers i won't need hairclips!
Frugaldom, you can't beat freebie sofa's! Ours was freebie over 10 yrs ago now:) perfect for sitting in front of a woodburner on!!
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Frugaldom
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PostPosted: Sun Feb 09, 2014 2:57 pm    Post subject: :) Reply with quote

Well done on 'billy canning' those dresses, LFS!

I love my 'new' sofa! It is so much more substantial than anything I could have afforded to buy and it gave me more faith in the next generations when the young guy giving it away referred to is at 'Paying it Forward'. All is not yet lost!

I have my billy can sat out today just to remind me that 'not spending' is what I am trying to do. I'm on a kitchen use-it-up and a paper-decluttering expedition today and I am getting sick looking at the paperwork, thinking I'll just message pal to pick up a cake and pop up for a cuppa! No, no, no.... yes, she'll be here at some point for her cuppa but no... I must not buy cake... BILLY SAYS I CAN JOLLY WELL GO AND BAKE A CAKE!
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Frugaldom
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PostPosted: Mon Feb 10, 2014 11:56 am    Post subject: Another success! Reply with quote

I remained vigilant and baked some cakes! I did need to buy coffee filters for the machine after having stocked up on a year's supply of coffee beans, however, and was ALMOST tempted by a 3L thermos but deleted it from my basket and instead, checked how much free credit I had courtesy of Nectar Points and discovered 7.52 could be used against a minimum spend of 10. So... I found a 3-pack of thermal mugs costing 7.89 and 100-pack of coffee filters costing 3.49, all including P&P, used my Nectar PayPal voucher and got the lot for 3.86 including delivery. EXCELLENT! No more getting distracted to the point my coffee or tea is cold and needs a microwave blast! It will be in a thermal mug that can also be taken out when cycling or walking.

Today I am going to make a second storage foot stool and this way I won't need any more chairs.
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lovefullshelves
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PostPosted: Tue Feb 11, 2014 10:41 am    Post subject: Reply with quote

Yesterday I baked a Herman apple cake to stop OH buying apple pies tomorrow..trouble is cake was too good and four pieces mysteriously dissapeared last night!
Thought about buying the cookery book I wanted for 48 hours, and found it as cheap as I could with free postage. Its for my favourite ingredient at the moment, Bisquick.
Cookery books are definitely my weakness, and even though it was 2 hours work's worth, I bought it.
No more cook books for at least a month! If not three:)
And bought my coffee at the w/e 1.50 less than it should have been a jar. Saving a jars worth of cost by buying 4! Woman logic:D
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Retrowren
Mega Frugaler

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PostPosted: Thu Feb 13, 2014 6:23 pm    Post subject: Yay Reply with quote

Everyone's doing great with this Billycan challenge

I've found it a lot easier to use since I put mine on display in the kitchen instead of in the box....a great brain jogger at what I'm supposed to be doing.

Well done all.  Looking forward to when we tally up our results....
Rw
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Frugaldom
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Location: Dumfries & Galloway, Scotland

PostPosted: Tue Feb 18, 2014 9:14 pm    Post subject: Biggest struggle Reply with quote

I'm going to be honest and admit that my biggest struggle is convincing others that I really don't NEED to buy brand new stuff. My biggest saving so far was after getting the price down to under 400 for living room suite and saving almost another 50 by not buying paint or new shelving. So in actual fact, had I agreed on the 1,000 decorating and furnishing budget with H, I could have had over 800 stashed in my Billy Can just on that one project alone!

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