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  • FIRST POST
    • Littlebirdie
    • By Littlebirdie 1st Feb 17, 8:53 PM
    • 184Posts
    • 268Thanks
    Littlebirdie
    Real Life, Dating and Money!
    • #1
    • 1st Feb 17, 8:53 PM
    Real Life, Dating and Money! 1st Feb 17 at 8:53 PM
    Hello,

    So had a thread on here before and well updating it or not it kept me focused. That's what I'm lacking at the minute - focus. I'm in the train of thought that if I overspend here and there, it will all work out. Yeah so turns out it hasn't for the last two months and now I'm in well and truely in my overdraft! I've just spent many years since graduating from Uni to get out of my £4000 overdraft and I do not want to go through that again.

    So what are my plans?
    Good question as even I don't have a clue. I'm single, living in the big city and well don't really know what the future holds so let's see the road takes me. What I do know is I'm in my mid 20's and I want to enjoy them. What I dont want is to have to pay for it in my 30's! I wan to enjoy the dating world, create happy memoies with my friends, look good, go on holiday, eat out, eat well, give gifts, save for a house, save for christmas, have emergency savings and also accept that I cant do everything.

    I hoping this diary helps me reflect on my spending and create a good a comfortable life.

    Lets go....
    To staying out of debt!
Page 2
    • Littlebirdie
    • By Littlebirdie 6th Mar 17, 9:45 AM
    • 184 Posts
    • 268 Thanks
    Littlebirdie
    Even if your overdraft is free, if you're dipping into it does that not mean you are still overspending?

    Re the will have you checked out the intestacy rules? It'd go to family before the government.
    Originally posted by elsien
    Yup I am and thats why I am now being more proactive!
    To staying out of debt!
    • SkintTeacher
    • By SkintTeacher 6th Mar 17, 7:22 PM
    • 323 Posts
    • 1,861 Thanks
    SkintTeacher
    A will - Great idea! And again, something I didn't do until AFTER having a child!!!???

    Did have a little freak out moment the other day as both my brother and sister have named me as potential guardian of their children in worst case scenario (meaning I could go from one child to 5!)

    Keep up the good work. I'm cheerleading you on x
    • Littlebirdie
    • By Littlebirdie 7th Mar 17, 8:17 AM
    • 184 Posts
    • 268 Thanks
    Littlebirdie
    Haha skinnyteacher now that would be a different way of living!

    Thanks so much
    To staying out of debt!
    • Littlebirdie
    • By Littlebirdie 7th Mar 17, 8:28 AM
    • 184 Posts
    • 268 Thanks
    Littlebirdie
    So yesterday

    Money spent:

    £ 5.60 travel to friend
    This will come out of my travel budget so far £18.90 spent this month

    £4.80 drinks
    Didn't drink alcohol last night which was so nice! Nice to go out and be cool just to have soft drinks - we chilled in a coffee shop which was lovely!

    £41.60 expensive train fair
    So this is going to have to come out of my holiday fund. Slightly annoyed as it took my friend a few days to get back to me so it rose in price but hey ho. Nothing I can do about it.

    £3.99 eating on the go
    I was so blooming hungry! I don't know what came over me yesterday. I think it was because I hadn't eaten much fruit - makes such a difference.

    £8 eyebrow wax
    The difference this has had on my confidence is priceless - I have to remember this!

    Will's
    So had a good look and decided the best one for me is to get the cheap templates from online that are about £30. I don't own property and it's literally for somewhere where I can store my bank details. Also I need to decide if I want to pay for someone to store it which I think is £20. Need to also fill out the document for someone to get my pension if anything did happen.
    To staying out of debt!
    • Littlebirdie
    • By Littlebirdie 7th Mar 17, 8:54 AM
    • 184 Posts
    • 268 Thanks
    Littlebirdie
    Soo today

    I'm off to see my beautiful friend. I always feel so greatful when I think about my friends

    Today so far (it's not even 9am )

    £2.10 coffee
    I just love the taste, the smell, the everything about it! Well except the staining of teeth of course. Coffee shops are such a safe haven for me. I won't go into it but they make me feel so safe and comfy.

    £3.99 Gift
    For my friends child - I always get him a magazine and it's not too expensive and fills him with hours of joy.

    £5 gift
    Cheaper than flowers and this friend does so much for me. I know I don't have to buy her although a small thoughtful gift goes a long way in my opinion

    I have a baby shower coming up and I spent £20 on my friend. Argh I'm tempted to take something back. I don't know - we will see. The annoying thing is I got cash back (okay only £1.00 but better than nothing right? ) and I'll lose it if I take something back. Well in the grand scheme of things it would be saving ~£10 so may be worth it. Well it is worth it.

    Also I bought a £14 outfit for my newphew. I really think I'm going to have to take it back. Argh I would just love to buy it for him. I just don't think I can afford it. Well I can't. Maybe I could buy him a cheaper toy instead. I think that would be a good comprimise.

    Oh yesterday I took sooo much to the charity shop! Feels good to have got rid of loads of clothes. Took lots of body butters - I could have filled a paddling pool with the amount I had. So good to have got rid.

    Not feeling great about the scales. But after thinking about it, I can sit around and feel sad or I can think that actually I'm going to be proactive about it!

    Dating

    So was going to have a date on Thursday but this guy is taking too long so yeahh not going to waste time on him.
    Well it's for the best with my bank balance!
    To staying out of debt!
    • Littlebirdie
    • By Littlebirdie 8th Mar 17, 5:15 PM
    • 184 Posts
    • 268 Thanks
    Littlebirdie
    Hello,

    Just on my way back from a friend - lovely time. Eaten lots of cake, crisps so running tomorrow.

    Money
    Didn't spend crazy amounts. This friend treated me to lunch which was lovely. I think what would be really helpful it to write where I am on my spending:

    Eating Out restaurants - £68.62

    So my budget is £25! This is not good. Basically no more eating out. Now I do have family coming over which may result in eating out but I'm going to realllllly try and avoid it.

    Birthdays/Gifts - £47.12

    So my budget is like £20!
    Basically what I'm going to do is take back the majority of gifts I bought for my friends baby shower and take back the gift I got for my nephew - long story short I can't afford it. I'll get something cheaper

    Alcohol/Pub - £36.97

    My budget is £50 so still writhing budget but I can see this going over if I have a date - very likely. I'm going to hope to save in another area

    Eating on the go/ food treats - £23.34

    My budget is £25....yup gonna go over this one too. Urgh.

    Food week one - £21.25

    Okay so saved £8 here! Finally a saving

    Travel - £18.90
    My budget here is £50. Hopefully will be well under budget this month. I imagine I'll spend another ~£15 this month.

    So I get it. I can totally understand if there are some people reading this going: 'you have more money than sense' - I agree with you. Yup be annoyed with me because I guess what, I'm annoyed with myself!

    But you know what, I hate wasting money. I hate being tight as well although finding a balance is the key and I just haven't found that yet. That's life though so not going to dwell on it.

    Tomorrow
    Sort out gifts
    Take back kitchenware
    Do a load of washing
    Go for a run

    Cashback
    Oh got £2.30 back! Going to put it in my emergency savings account.

    Right now to recipth0g

    Thanks for reading
    To staying out of debt!
    • Starlighthappiness
    • By Starlighthappiness 10th Mar 17, 11:14 AM
    • 67 Posts
    • 141 Thanks
    Starlighthappiness
    Keep doing what you are doing. Just by being conscious of what you are spending will help out to make small changes in your lifestyle and eventually you'll find that balance!
    NSD March 7/12
    • Littlebirdie
    • By Littlebirdie 10th Mar 17, 11:16 AM
    • 184 Posts
    • 268 Thanks
    Littlebirdie
    Hello

    So took back the gift last I got for the babies - saved like £26! I then went and bought a cheaper toy.
    Also got a voucher to for £5 off the shop and then used this to buy my brothers gift so only came to £5. Then got him some small things so totall ~£12 spent on him. I alwas remember the feeling I get when I get presents so I was happy to get him something.

    Got the food for the weekend. It's come to ~£40 which is £10 over my weekly budget. I'm trying to be rational about this. My family live abroad and hardly come over. The memories that are made are priceless so as long as I'm not being extortionate (which I'm not) it will be ok. Also I got things like coffee pods and desserts which I never normally get. Got something now in the slow cooker which saved money!

    I found a fit bit months and months ago. I tweeted them and they gave me an address to send it back to so the owner could get it. However it was near Christmas and I never go round to it. So I tweeted them again for the address and they said they are not able to return to the sender as they aren't able to identify it. They said to put into a local fitbit store but I said if I could keep it - they said yes! I don't want a Fitbit so I'm going to sell it. I think I'm going to buy the accessories next month and sell it. I'm watching a few on eBay so we shall see as it's the older version.

    Going on a date tonight which makes my day super busy but it keeps me hopeful for the future so it's good for me to go. Travel there and back will be ~£6 then say ~£11 for my round of drinks. I said I could only stay out for two and he said the same so that makes it a bit cheaper.

    Clothes

    I'm so bored of my current clothes. I'm considering next month just going out and putting like ~£100 on my credit card and pay off £50 each month. It's just I go out and I find things I like but get so bogged down on how it's over my budget.

    That's all for now - thanks for reading ��
    To staying out of debt!
    • Littlebirdie
    • By Littlebirdie 10th Mar 17, 11:28 AM
    • 184 Posts
    • 268 Thanks
    Littlebirdie
    Thanks Starlight. The thing is I'm always conscious of what I'm spending as I put it all on my little app but don't seem to care if I overspend. Being public about it is what is helping me the most!
    To staying out of debt!
    • Littlebirdie
    • By Littlebirdie 11th Mar 17, 1:37 PM
    • 184 Posts
    • 268 Thanks
    Littlebirdie
    So went out last night - travel costs were ~£7, a round of drinks cost ~£8. Oh and I had
    to spend ~£5 on heel grips for my shoes that came off! I honestly think my days of wearing high heels are done. I was in pain, I couldn't walk and I'm just so over them! Date was also rubbish!

    Also done som
    To staying out of debt!
    • Littlebirdie
    • By Littlebirdie 11th Mar 17, 1:40 PM
    • 184 Posts
    • 268 Thanks
    Littlebirdie
    So went out last night - travel costs were ~£7, a round of drinks cost ~£8. Oh and I had
    to spend ~£5 on heel grips for my shoes that came off! I honestly think my days of wearing high heels are done. I was in pain, I couldn't walk and I'm just so over them! Date was also rubbish!

    Also done some panic buying this morning. I have been to the supermarket 3 times! First time was because I needed a bigger dish and a jug, second time was for dips and the third was for another broccoli head and drinks. I think I'm just not used to cooking for this many people so planning how much I would need is difficult. So overall all expensive! Im hoping that there will be left overs so can make a big batch of soup and live off that!
    To staying out of debt!
    • Littlebirdie
    • By Littlebirdie 13th Mar 17, 8:09 AM
    • 184 Posts
    • 268 Thanks
    Littlebirdie
    So the big weekend is done!

    It was busy, a learning curve and lovely.

    So totally spent on food - £81.94

    The good news is I have food for today. Two portions of a dinner in the freezer, two portions of soup, I think I have chillie and with the left over veg I am going to make potato and leek soup. Yum that can be my lunch for next week. I might make a challenge of only spending £10 on food next week.

    I'm also strongly considering giving up coffee shops for a month - I've overdone them and stopped appreciating them. A month without then would do me some good. I can have coffee but only from home. I only use it because it is there and I feel like I deserve it....I don't! I work hard but I don't need to treat myself by spending money. Also it's only a year till my big trip and I need to start paying that off. So the £35 or whatever I spend in them can either go towards my overdraft or my BIG trip!

    So today I've been naughty and bought a cake and a coffee. I needed some chill time and to get out of the flat.
    I also bought a present for my housemate for letting me use her room £5 and then some butter beans (to give soup more protein) and an onion for the soup.

    Today I feel a little overwhelmed with the weekend but some exercise and chatting will do me some good tonight!

    I also got the money back for the presents £27 - in total I spent £16 so that's £11 saved! I did spend the money else where but I felt happier for spending it there. More worthwhile. I'm just waiting for the money back from the dress I sent back...like £60!

    Ramblings over!
    To staying out of debt!
    • -taff
    • By -taff 13th Mar 17, 10:39 AM
    • 7,227 Posts
    • 4,629 Thanks
    -taff
    What spending app are you using?
    • Littlebirdie
    • By Littlebirdie 13th Mar 17, 11:44 AM
    • 184 Posts
    • 268 Thanks
    Littlebirdie
    Hey Taff

    It's called Spending Tracker. I think the lite version is free on iTunes and then for the full version it's a reasonable one off payment. I personally love it and keeps me knowing what I'm spending
    To staying out of debt!
    • Littlebirdie
    • By Littlebirdie 13th Mar 17, 1:50 PM
    • 184 Posts
    • 268 Thanks
    Littlebirdie
    I'm going back to work tomorrow so the daily posts will stop but I've just put the bacon in the freezer and individually wrapped. I had soup for lunch which was yummy - think I'm going to make tomato soup in the slow cooker more often! Potato and leek soup is just cooking in the slow cooker as well.

    I can't believe I'm saying this but I'm quite bored - think I'm ready to go back to work

    I listened to a podcast on finance and o have to admit I found it so boring! Don't think I'm at that level yet where I can be enthused by a money saving podcast

    Also put one item up on eBay - nearly put up two others but I just couldn't as I just still love the dresses. I'm all for not hording but if my gut tells me not to sell something I'm going to listen to it.

    Going on how bored I am - I'll probably post again later!
    To staying out of debt!
    • Littlebirdie
    • By Littlebirdie 14th Mar 17, 5:50 PM
    • 184 Posts
    • 268 Thanks
    Littlebirdie
    First day in bloomin ages that has been a NSD - I can't believe it! Had to stop myself needing to buy something ~10x though. It's funny I wonder if I'm trying to spend money to fill a gap? Who knows but I'm on it.

    I did use my phone app to get a free coffee and got two loyalty stamps as well. Looked in my purse and I have loads of loyalty cards that are full so should be able to get a few free coffee's which is good!

    Get paid from my second job this week so need to have a long hard think how I'm going to spend it.
    To staying out of debt!
    • Littlebirdie
    • By Littlebirdie 15th Mar 17, 9:46 PM
    • 184 Posts
    • 268 Thanks
    Littlebirdie
    Hello,

    Qo
    To staying out of debt!
    • Littlebirdie
    • By Littlebirdie 15th Mar 17, 9:54 PM
    • 184 Posts
    • 268 Thanks
    Littlebirdie
    Hello,
    So had to spend a little today

    £3.50 - travel
    I pay this once a week to go and exercise. I could do it on my own but the feeling I get afterwards is priceless so I see it as a little investment for my health. I do use my rail card so one day this will increase to £5 but baring in mind I don't have a gym membership anymore - I'll pay it.

    £1.00 - food for work
    I'm not sure whether to put this down as my weekly shop as technically it's food I haven't bought or put it in a food for work section. Currently I put it under 'eating on the go' as that isn't really right.

    £2.50 - top up shop
    Got some eggs, milk and bananas from the shops.

    Realized today inregards to good shopping it's a 5 week month and I've only budgeted for 4. Hopefully this week should be ok, I've got lunch and dinner the rest of this week. Currently I've only spent £3 on food this week so would be great if I could get it down to £10! That would be a £20 saving. But not forgetting about my massive overspend last week.


    Busy working and volunteering this weekend so will be a cheapie.
    To staying out of debt!
    • Littlebirdie
    • By Littlebirdie 16th Mar 17, 6:49 PM
    • 184 Posts
    • 268 Thanks
    Littlebirdie
    Hello,

    So today spent £0.51 on an apple and £15 on phone top up. I've got into the habit of buying fruit before work. It's got to be more expensice so on my little app I've changed the section to
    'Work lunch/ food for work' as my weekly food bill might be cheap but if I'm buying extras it's just because I'm not being organized enough.

    So once I get paid from my second job I'll have £500 in my emergency account so proud of myself! That's a lot of money.
    Once I have that amount I'm thinking of keeping it at that rate and rather than put £20 a month into it put the money into my regular saver instead. So I'll be saving £50 at a much higher interest rate.

    Been thinking today lots about money. I don't know whether to pay my credit card off over the next 2 months and put the money into my travel fund (£20 per month). Makes sense.

    This is a really busy weekend so I need to be organized with cooking and shopping. Basically I'll have to make something Saturday night.
    To staying out of debt!
    • Littlebirdie
    • By Littlebirdie 17th Mar 17, 8:29 PM
    • 184 Posts
    • 268 Thanks
    Littlebirdie
    Hello

    So this has been a really long week. Been stressful but interesting none the less. Had a spend day - I woke up this morning at 4am. Think work and money have been on my mind and that always happens.

    So today spent around £3 on food for next week, £3 on treats, £2 on a coffee, £2.00 food and treats for work,

    So all tiny spends but they all add up. I think because I've had a tough week and a tough day I was doing lots of little spends to make me feel better. Basically stress eating and spending.

    Last week I spent ~£5 on food which I'm proud of! Next week I'm aiming to spend no more than £12. I have two meals in the freezer and endless amounts of soup! I also have beans which is good.

    I also paid £30 off my credit card so it's now down to ~£120! I also put £100 into my emergency account. It's now up to £500!

    So here is to a cheap weekend and no stress eating!
    To staying out of debt!
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