What are you all up to

Most dealers, caravan and car, will take a deposit by credit card, but if you asked to pay for the whole thing that way they would make an extra charge as their bank will charge them.

I noticed recently that HMRC are not accepting credit card payments after mid January 2018.

But are you in profit comparing the interest on the spend that took you overdrawn to the  points earned just on that spend?

That is the correct way to look at it.

Rather than go overdrawn, I would put that excess spend on a credit card, I would still get some points and it would cost me nothing in charges.

Anyway.......off to wrap presents and do my dusting!

Grey and dull here this morning with a bit of drizzle. OH however decided he was going to give the car a wash down, so although its now clean its not had the full works.

I had the great pleasure of cleaning the oven, 20 years of having to clean them to 'new' standard living in Army quarters has at least given me the skills in which to do it fairly easy and quickly, though nowadays its clean but not 'new'.

What this afternoon is going to bring who knows, probably a walk if its not too wet. A bit of tidy around, might even prep a few brussels and potatoes for tomorrow. Feeling rather relaxed about it all. Only the 4 of us this year, me and OH my sister and her OH. Will be the smallest Christmas diner I've cooked for since the early days of marriage.

Started some knitting last night, haven't done much for awhile thought a nice warm woolly hat for Mum would be good. A few years ago she started to lose her hair, she still has some but its much thinner than it used to be. Most shop bought hats are way to big for her, she likes to go out into the garden at the home and we sometimes (if its nice) take her for a walk along the river Tay (in a wheel chair) hence the new hat. Boy oh boy is the Arran pattern testing me, have knitted Arran often enough but trying to get my head round this one is challenging. Think I have got the drift of it now having written it down long hand now makes sense

 Bakers glad you've got the packing sorted, try and chill a bit now  MillieH, glad you are having a good time with the family. 

Everyone else Have a Great Christmas, eat lots, drink enough but not too much and have a good time.

I rushed around this morning, then sat down for quick dinner before starting again. I must be taking it all in my stride as I took my blood  pressure (which I Keep forgetting to do) and it was as normal as ever.