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  • FIRST POST
    • wellylass89
    • By wellylass89 18th Dec 16, 8:32 AM
    • 301Posts
    • 368Thanks
    wellylass89
    New place, fresh start..
    • #1
    • 18th Dec 16, 8:32 AM
    New place, fresh start.. 18th Dec 16 at 8:32 AM
    Hello all

    I've decided to start a new diary catch up on my old musings here:
    http://forums.moneysavingexpert.com/showthread.php?t=5485047

    I've just moved into a place of my own after a crazy year, relationship breakdown, moving back to my home area, getting a new full time job.

    I'm still in debt but more determined to clear it than ever, I feel like having my own place and to a point being in control of most things will help. I can batch cook, use the slow cooker to it's full potential!!

    Anyway off to complete my SOA and will post it here..

    Feeling positive..

    Welly x
Page 4
    • wellylass89
    • By wellylass89 16th Sep 17, 12:56 PM
    • 301 Posts
    • 368 Thanks
    wellylass89
    I've done something I've been toying with for a while and I've bought YNAB, I've read many good things about it and I think it will be what I need to get me to realize what I actually waste my money on.

    So here goes..

    Welly x
    • louby40
    • By louby40 16th Sep 17, 6:43 PM
    • 1,161 Posts
    • 3,179 Thanks
    louby40
    Welly, YNAB is brilliant- it's totally changed my money life! Good luck with it. Watch the YOUTUBE videos they are really helpful!
    Parent loan PAID IN FULL
    Emergency fund £670/£1000. Christmas savings £50/£600 Car maintenance £50/600
    Kitchen July £12,493 OCT £10,493. 18% paid off
    Barclaycard £233
    Car loan £2890 Mortgage £95,391
    TOTAL DEBT (with mortgage) = £109,024 (without mortgage) = £13,633
    • wellylass89
    • By wellylass89 19th Sep 17, 2:11 PM
    • 301 Posts
    • 368 Thanks
    wellylass89
    Thanks Louby! So far so good, having the app and the numbers on my phone makes it so much easier to see whats what and it's natural to want to look at that rather than the online bank!!

    Nothing much to report, just been working although I'm off now for 3 days.. off to see one of my longest friends tonight we don't see each other often but when we do we just pick up where we last left off and boy do I need it.

    Mum and I are going out for lunch Thursday and she's coming here for a few hours so that will be nice, she's only been to visit once and that was for 10 mins and she was with her bf (he's not a nice man but that's another story).

    Still trying to find a second job or something to fit in with work, it's so hard coz at times I feel like I could easily do loads of extra then other times I'm totally wiped out and exhausted and I don't know if it will be worth it.

    Roll on pay day..

    Welly x
    • wellylass89
    • By wellylass89 20th Sep 17, 10:39 AM
    • 301 Posts
    • 368 Thanks
    wellylass89
    Productive morning even tho I haven't got up yet (shameful I know).

    Had an absolute blast last night we laughed so hard we cried, I'm still in a dark place mentally but she has been through the same sort of thing last year she gets it, she gets me.. I have no idea why we click like we do but we just do and to have someone like her in my life I'm forever grateful!

    So I got home fairly late and have got a stinking head and period pain hence why I'm still in bed.

    I have however changed my broadband package saving my £5 a month, I also hadn't realized I still had a data add on with my phone so I have removed that saving me £10 a month.

    Hoping these small things will add up.

    Have a good day everyone

    Welly x
    • sauceoclock
    • By sauceoclock 27th Sep 17, 11:00 AM
    • 839 Posts
    • 886 Thanks
    sauceoclock
    Wellylass! When I was bed-bound and bored whilst BF was at work I did loads of user tests, I've been doing the usertesting for quite a while and they even sent me a really expensive camera to do them with after I'd completed 3 or 4. Give www.usertesting.co.uk a try.. You have to have your computer loaded up and listen out for the gong sound when a test becomes available as they disappear in a matter of seconds if you aren't quick enough.
    Loan: £3,600 £2,773.32
    Credit Card: £1,758.95 £1,733.95
    Emergency Fund: £200 (Aiming for £2000 by Dec 2018)
    Goal Debt-Free Date: February 2019
    November NSDs: 2/10
    • wellylass89
    • By wellylass89 2nd Oct 17, 8:13 AM
    • 301 Posts
    • 368 Thanks
    wellylass89
    Thanks Sauce I will give it a go!

    Not much to report it's been pay day, did my food shop Saturday then went out on a date on Saturday evening.. had a really lovely time, I'd like to see him again but I'm not putting too much pressure on it.

    Trying to boss YNAB but I keep messing up its so frustrating I need to work out how to use it properly.

    From now I'll be working every weekends we are so short staffed, will mean around an extra 200 quid a month which will make a big difference I hope.. feel like I'm still getting nowhere.

    Welly x
    • wellylass89
    • By wellylass89 5th Oct 17, 10:48 AM
    • 301 Posts
    • 368 Thanks
    wellylass89
    Last day off before I'm back at work tomorrow. Just put some flapjack in the oven and have done a load of washing.

    The guy wants to go on another date, this will be our 3rd so, so far so good..

    I've given up my expensive red bull and rubbish habit, I coudn't believe how much I was spending on this and that stuff I didn't really need.
    Now I think do I really need it instead of just mindlessly spending.

    I will get sorted.

    Welly x
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