We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Fresh start....
Comments
-
Hey everyone,
Hope all is well. It feels like it should be the weekend again...not mid week:eek: Having real trouble sleeping of late, I wake up at least 5/6 times a night and never feel as if I have slept come morning. The 5am start tomorrow is going to be a shock to the system!! Oh well, best get on with the day.
Plans for today.....- Do a full days work - and overtime for couple of hours this evening.
- Eat sensibly all day
- Drink more water
- 30min exercise
- Check online banking - just incase millions get put in by mistake :rotfl:
- Chase up college prospectus - again :mad:
- Work out plans for budgeting the big things like hair, car, xmas etc
- Sort work clothes for trip to office tomorrow
- Get an early night as have a 5am start :eek:
0 -
Hi Karen
Sorry to see you are struggling a bit - it is very difficult to break old habits though but it can be done. Well done on cancelling your hair appointment. What I find works for me is on pay day (paid monthly), I take out all the money I need for the month for living on, then I go to the bank to get all the change I need (£1 coins, 50ps, 20ps etc etc - I was so embarrassed the first time I did this - I was thinking the girls in the bank would be thinking I was weird! :rotfl:It's stupid I know, they don't care, they are just doing their job), anyway now it doesn't bother me, then I sit down and put all the money in little money bags labelled for each week or date they are due - e.g. milk money, food money for week such and such, lottery money, window cleaner money. I have the exact money in there to the penny and it's absolutely great. I also have little pots for my own personal spending money, and again I put the exact money in there for each week - eg £4 for such and such a class, £30 for hair, £10 for clothes. Also, for the first time EVER I have started saving for Christmas, but purely from "free" money - scratchcard winnings, £10 lottery win, ebay sales etc etc.
Also, I really struggle with grocery shopping and I know I am still spending far too much on food but what I did last month was to stock up on tins, coffee, cleaning products etc on payday, then I had a set amount left for the month, which I divided up and again, it was bagged up for each day, and this is all I could spend. This seemed to work well for me. Anyway, enough ramblings, but I just thought this might be a wee help to you.
P
x0 -
Thank you Primula - that's a really good idea. Might adopt something similar myself. I guess it's all about having the will power to stick to it. I'm def going to give it a go!
0 -
Sorry to hear about feeling low Karen, am also struggling a bit myself at the moment as my car needs brakes, a new heater control valve (it is constantly blowing out hot air, not good for summer!), I need new glasses and we want some more furniture bits for the flat
I don't have any sort of emergency fund so I know it will all have to come out of my savings which is not what I want!
It seems like your lists are doing you the world of good! Keep it up, we are all behind you.....not literally of course! :rotfl:
Very happily married on 10th April 2013
Spero Meliora
Trying to find a cure for Maldivesitis :rotfl:
0 -
Just popping along to say hello... You are doing really well don't undersell yourself! I think Primula's method sounds great - I have done variations of that sometimesAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/250 -
Evening guys,
Finally got a chance to sit down and update.....phew!
Had me a very busy day.....so what have I ahieved......
- Checked online banking
- Daily scratch cards
- Full days work
- 2 hours overtime :T
- 30 minute run
- 30 minute toning exercises
- Healthy eating all day
Night all and have a good day tomorrow xx 0 -
Just when everything seems to be running smoothly.....again.......Payplan make a late payment......loads of threatening letters from creditors..........:mad:
I sometimes wonder if it would all be easier to control myself!0 -
That is so frustrating when things like that happen - you would think it would just be automated wouldn't you!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/250 -
savingholmes wrote: »That is so frustrating when things like that happen - you would think it would just be automated wouldn't you!
It is so annoying SH:mad: ......on a brighter note.....i've got down to 10st 6lbs!!! :j0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.1K Banking & Borrowing
- 253.5K Reduce Debt & Boost Income
- 454.2K Spending & Discounts
- 245.1K Work, Benefits & Business
- 600.7K Mortgages, Homes & Bills
- 177.4K Life & Family
- 258.9K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards