Yay .... the M&S coupons came, a lovely £22 worth.
This will be the last lot until November of this year and thankfully we've got a decent amount, helped this time by purchasing the guttering, downpipes, roof stuff and paint for the house repairs and renovations all on the M&S card. And of course paying it off at the end of the month from the money we had saved in the bank for doing this major house work, M&S get NO interest money from me and I have the end of year statements to prove it!!
We always negotiate us paying for any supplies for building or major works that we have done separately from the labour charges, as unlike lots of the smaller companies we use for jobs on our property we are VAT registered and can claim the VAT back through our company, saving us a whopping 20% on all jobs done. We do have to pay a big VAT bill sometimes though so it's swings and roundabouts!!
I always make use of these coupons too, even spending small amounts on food getting triple points helps towards the next quarters coupons.
I've not used any of these this year though, as there have been no clothes or home things bought.
Now I need to do a proper 'stocktake' of the coupons, vouchers, cash and points I have available and work out how best to use them.
Today is a No Spend Day