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  • FIRST POST
    • MuffinTops
    • By MuffinTops 31st Dec 17, 7:11 PM
    • 2,100Posts
    • 6,350Thanks
    MuffinTops
    Financial Fasting and other goings on
    • #1
    • 31st Dec 17, 7:11 PM
    Financial Fasting and other goings on 31st Dec 17 at 7:11 PM
    Well good evening and happy last few hours of 2017!

    I'll give a quick update in that I'm fast approaching 47 years old, single, female and living alone. My financial situation is pretty good, but I have a habit of buying a lot of silly items that don't cost much as one item but quickly mount up to a large total at the end of each month. Having a diary has always been a good way for me to keep some control of my spending as it makes me feel accountable. It also makes me feel quite proud and strong when I manage to keep a good track on my spending habits.

    My life just seems better when I'm more frugal. I think I spend as a way to fill some gaps or to distract me. Due to the silly spending I also have a lot of accumulated clutter! So as well as not spending anything on non essentials, I'm also planning on going through my belongings and giving them away or selling them to boost the accounts.

    I'm an avid YNAB fan, but that fell through the cracks during the 3 months I wasn't earning any money last year. So now I'm about to update that and get it all ready to go. I also love Bullet Journaling and have that set up for this year which will help keep me organised.

    I'd like to sell my house and buy somewhere a bit nicer and in a more peaceful area, but I have things I need to do to my house before I can sell it for a decent value. It all just looks so tired at the moment and that's been reflected in the offers I've received on it. All that takes money as I'm no good at giving that extra little wow if I decorate myself. I want it done properly and looking like the beautiful home it should be.

    I've decided this year that I won't be buying anything non essential. I have SO much stuff, a lot of it I expect I've forgotten about so that will encourage me to use up what I have and stop me feeling like my life would be better if I just had those new boots or that great little gadget!!!

    So, I think that's enough from me for now! All that's left is that I need to have a specific amount of how much I want to save this year. I'll put it in my signature as a percentage rather than a figure, as I think it will look more fun!

    Happy New Year to anyone who wants to join me for this adventure.

    MT
    STARTING 2017:
    Credit Card Debt: £2,650.00!!!
    ======================
    Saving For a New Property
    Pot of Gold = All gone to the above
Page 1
    • rockabillygirl
    • By rockabillygirl 31st Dec 17, 9:32 PM
    • 139 Posts
    • 755 Thanks
    rockabillygirl
    • #2
    • 31st Dec 17, 9:32 PM
    • #2
    • 31st Dec 17, 9:32 PM
    Happy New Year and good luck with the house sale.
    It will all be ok in the end - if it's not ok, then it's not the end!
    Saving for Xmas 2017 #10. :
    Sealed pot challenge #32
    Mortgage paid off.
    • Tinkerbelle2000
    • By Tinkerbelle2000 31st Dec 17, 11:11 PM
    • 571 Posts
    • 2,025 Thanks
    Tinkerbelle2000
    • #3
    • 31st Dec 17, 11:11 PM
    • #3
    • 31st Dec 17, 11:11 PM
    Hey lovely. I found you and I’ll be supporting you along the way as always.

    Roll on New Year.

    Tink xx
    As of 1st January 2018:-
    DEBT 1 - £0/£38.96 DEBT 2 - £5.00/£141.10 DEBT 3 - £0/£297.00DEBT 4 - £5.00/£644.12
    DEBT 5 - £0/£700.00 DEBT 6 - £0/£720.02 DEBT 7 - £0/£1479.65 DEBT 8 - £21.60/£1576.80
    DEBT 9 - £0/£1622.49 DEBT 10 - £0/£2300.00 DEBT 11 - £118.57/£2722.44 DEBT 12 - £0/£4349.39
    EMERGENCY FUND - £5/£1000
    • another casualty
    • By another casualty 2nd Jan 18, 4:03 PM
    • 3,235 Posts
    • 5,105 Thanks
    another casualty
    • #4
    • 2nd Jan 18, 4:03 PM
    • #4
    • 2nd Jan 18, 4:03 PM
    Happy new diary muffin
    Interesting times ahead. It'll all come together eventually.
    • alan_d
    • By alan_d 2nd Jan 18, 4:22 PM
    • 8 Posts
    • 4 Thanks
    alan_d
    • #5
    • 2nd Jan 18, 4:22 PM
    • #5
    • 2nd Jan 18, 4:22 PM
    It all just looks so tired at the moment and that's been reflected in the offers I've received on it. All that takes money as I'm no good at giving that extra little wow if I decorate myself. I want it done properly and looking like the beautiful home it should be.
    Originally posted by MuffinTops
    Having been through this scenario recently renovating a 'tired' flat with new kitchen & bathroom, new paint everywhere and carpets in most rooms, I don't feel it's worth the effort. The best offer we received wasn't enough to cover the costs involved and the months taken compared to just selling it as it was.
    We should have just sold it 6 months ago in it's tired state at a lower price.
    • RosaBernicia
    • By RosaBernicia 4th Jan 18, 7:38 PM
    • 3,298 Posts
    • 8,499 Thanks
    RosaBernicia
    • #6
    • 4th Jan 18, 7:38 PM
    • #6
    • 4th Jan 18, 7:38 PM
    Happy new diary MT

    Lovely to have you back


    Rosa xx
    Debt free May 2016... MFW progress 2.3%


    • I-Want-To-Move
    • By I-Want-To-Move 5th Jan 18, 9:45 PM
    • 74 Posts
    • 22 Thanks
    I-Want-To-Move
    • #7
    • 5th Jan 18, 9:45 PM
    • #7
    • 5th Jan 18, 9:45 PM
    I'd love to follow your journey. I've set myself a goal of not buying any non-essential items for the whole of 2018 and as a fritterer I think its going to harder than I expect.
    • nsl101
    • By nsl101 5th Jan 18, 10:08 PM
    • 23 Posts
    • 31 Thanks
    nsl101
    • #8
    • 5th Jan 18, 10:08 PM
    • #8
    • 5th Jan 18, 10:08 PM
    Hey, right there with you on the spending on clutter to keep me happy when I'm on my own and down in the dumps... I'm doing the same decluttering and trying to raise some cash at the same time...

    My Goal atm is to clear my unsecured debt in 2 years... which is eeek, but one of the methods is to keep track of finances and not to buy clutter... so id like to follow your journey too as it may help keep me on track...
    Fresh start & LBM #2: 21/12/2017 : DFD: 02.02.2024
    Debt at 21/12/2017: £46506.94
    Loan 0/44588.94 : O% finance 47.95/1918.00
    1% challenge: 0%
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