Good Morning Early Birds

[emmie]

morning, its Friday the end of the working week for some, isn't it whizzing by.
anything planned for today ? I hope that you are well and that your day is a good one.
I can't believe the weather we are having, sunny and warm, why couldn't it be like that during the summer months, beats me..

[1ozzy]

Hi Emmie, shopping up to date?

[emmie]

morning 1ozzy.

[emmie]

was looking on line for some roll neck sweaters but quite honestly i haven't room for more stuff, lol

[emmie]

how are you today?

[1ozzy]

Had to google "roll neck sweaters".
We call them "turtle neck jumpers".
Build a bigger wardrobe, LOL

[1ozzy]

I'm surviving, thanks for asking

[emmie]

i don't have a wardrobe, but a designated small room for the clothes, shoes, bags, i can't literally get in any more stuff, i have been weeding out jackets and other clothes for the charity shop Shelter.

[emmie]

that's good,

[1ozzy]

Keep the retail therapy happening, its good for the soul

[emmie]

i need to stop and not buy more stuff, i still have my online shop for food to do. that will suffice

[1ozzy]

My dear mother agonises about the money she spends, I keep telling her that the more she spends the less her offspring have to argue about.
Such is

[emmie]

my mother left a significant amount of money much to our surprise,
she was good with balancing the books and rarely bought much for herself, the occasional outfit for a wedding or other event. My brother sorted it all out after her demise and we all got quite a shock as to how much she had in her bank accounts.

[1ozzy]

Put your debit/credit card through a shredder

[emmie]

i only have a debit card, i won't have a credit card - the debit card is needed to pay for goods, lunches out and the pub....

[emmie]

thinking on it my mum had to be a good manager with 4 kids and no man around to support her, my dad was a total waste of air, and her later partner not much better.

[1ozzy]

I use a credit card for every transaction.
It has interest free for 30 days then is paid in full from my debit account.
As long as I don't go overboard, all good

[emmie]

i once went overboard with a credit card and got into serious debt, and ended up almost bankrupt. Its a long tale but i got rid of credit card and haven't had one since.

[1ozzy]

Ooh Emmie, shopaholic;-)

[emmie]

no it wasn't that, i lost my job suddenly and ended up owing loads of money, the credit card was the least of the debts - then really bad advice from the bank, left me worse off. I eventually got free help from a financial advisor, who sorted it out.

[1ozzy]

Bit slow on Early Birds this morning, surely more will chirp today