Thanks Mum this is for you...single gal, a pony and a mission to beat the mortgage

Good morning

New bedding I ordered a few weeks ago, not cheap £45 for a king size set, of one of the discounted designer sales but pleased with quality and slept in it well last night, have had lots of issues with duvet getting rucked up in the covers and this didnt do this, now have 3 sets (although 2 getting old now) for my bed so super pleased as been looking for months. All paid off so good.

Having a quick review of my savings accounts and most the interest is pitiful so have just opened a new account today.

So review:
Misc emergency - £100/month - 1.5%
ISA - £100/month - 0.01% - main emergency
Also have 6 other accounts paying a measly 0.01%, one is rental so ignore this, but others pay a total of £400/month for various, house, horse, hols etc.

So today have opened an account for 2.25% - up to Oct 2017, can pay max £250 a month. So have re-jigged the accounts and although will still carry on paying into each payments will be halved so can pay £200 a month into new account. So still saving the same amount each month but should get better rates and targets will still be met.

Small spend today of £2.25 on some porridge for work (20 days worth) and bread roll, out of loose change already had

Watty1 wrote: »

I like the idea of different accounts for different things but we have to go slowly here as Mr Watty does not cope!

Luckily there is just me so much easier, also makes it easier to see in black and white exactly what is budgeted for and where

Good morning

Details of new account have arrived so have set up standing order for savings to make most of interest rate, all other standing orders have been amended to, still keeping to save £600 a month over various accounts, but now at the best interest rates I can for now.

Small spend of £2 yesterday, luckily exact change I had in my purse, was the tea money needed for dad when dropped him of at his choir.

Spoke to dad and sister briefly yesterday and the redundancy pay could take 3 to 6 weeks to pay out so dad has said he would lend me the money to cover bills etc in the meantime and will pay back when my money lands, is a bit of relief and definitely helps Am very blessed and fortunate to be in this position.

Good afternoon world!

Long time no see diary but life has just drawn me away and need to come back to focus.

So I creep back in with lots of new debt but also a plan going forward.

So I was made redundant 3 weeks ago as company went into voluntary liquidation, sad to go but I needed the break. It is just under a year since mum died (this saturday coming is the anniversary) and this last year have had so many ups and downs with it all, its good to be able to have some time to sit and re-cap.

So I promised myself a foreign holiday this year, have splashed out more than I had saved but I dont regret any penny of it. I am off to Mexico next friday for 10 days, all inclusive hotel, already booked and paid for a couple of excursions, got my spending money so shouldnt need to spend any extras whilst I am there. I am going by myself which is a bit :eek: and at the same time, hence the all inclusive as can sit back and relax and not have to worry about venturing out to much by myself. Nervous but cant wait!

So whilst I have been off havent been sitting around, fat chance, been taxi service to dad to day centre which he attends twice a week, he has settled in and enjoying it, still taxiing him to choir another day a week, been to doctors, podatrist, chased prescriptions, sorted out some lunches so most things up to date and been good to be around.

Have also been spending some much needed time with the hoss, nice to have the days to ride now we are into the winter. Also been sorting the house a bit, oh and looking after nephew a couple of days over half term.

So I had to apply for redundancy pay from government and that was paid yesterday. Should get notice pay but not due till mid january. Also applied and received JSA which is nice to have a few extra pennies. Appointment tomorrow and next week, and then see what happens when I get back from hols. Although the money is nice you are made to feel like an idiot and they so look down their nose at you for being unemployed :mad: as if I am some layabout. I was in my last job for a few months shy of 13 years, grrr just makes me angry. Will wait and see.

With my redundancy pay, and also my company paid me up to the day I was made redundant I am ok for a few months. My salary paid am using last few pennies now. Transferred money from redundancy to account to cover bills up to end Dec and then have put rest in savings accounts to earn a few pence interest and then wait and see.

So apart from the holiday spend £3.3k :eek: plus £200 spending money, and £200 excursions. So had enough in holiday fund to cover spending money, excursions and about £500 spare. Rest on CC. I have also been very spendy happy and spent £200 on clothes for hols including 2 pairs of trainers which were very much a need not want going forward, £150 on swimwear, £90 on 2 rugs for the hoss as she had outgrown some. £90 on a hotel stay for when I get back as having a belated company do, £172 on meal out with family, £170 on hoss food, £135 on fireworks, £8 on travel plug, £60 on day out in london with sister, £32 on new clipper blades for the hoss, £120 on massive top up shop plus some extras and you can see it has all added up :eek:

I dont regret spending any of the above pennies.

So I put this all on a CC but was being charged interest so I applied for and was accepted for a 0% balance transfer card for 40 months.

So as of today my debts stand at:-
New CC - £3762
CC 1 - £209

I have about 9K in savings over various accounts so more than enough to cover the cards. I am going to pay of CC1 asap and then leave the other one to pay the payment needed to pay this off before the 0% offer ends, quicker if I get a job, and earn some interest on my savings in the meantime.

I am due around £263 from various sources including next weeks JSA, quidco, survey money etc so can easily clear the CC1. Then will put rest away to earn the interest.

Someone is due around this evening to buy my old hoover but that will cover the transport cost from the airport (bro in law taking me).

I think job wise I wont look properly until next year, I did have an interview last week but doubtful got it, as will be in a better frame of mind to start afresh.

This saturday as its the anniversary of mums death we are having a few friends round for a get together and fireworks (hence the spend above). Last year when she was in the hospice we watched the fireworks so this is a celebration for her. Sis is doing food.