Squirrel's Smiley, Smart and Solvent Diary

redsquirrel80

Have applied for savings account, 2.85%, instant access, not too bad I thought in current climate. Unfortunately just remembered I've got a bank charge to come off this month which will wipe out most of what I've got left over... :rolleyes:

redsquirrel80

Aaargh, not having a good day.

List looks a bit like this:
List for today:
-Get training forms filled in - nope
-Post a couple of letters and parcels - nope was pouring at lunchtime
-Have a look at savings accounts - done
-Do some surveys, have neglected these lately - can't find any that I'm eligible for!

Really disillusioned with work, just had a big knock-back about some stuff I've been trying to do.. trying very hard to put on resilient front and keep on going but my immediate reaction is to rant a lot and look for another job.

Must think happy thoughts............

Knitty78

Good luck with happy thoughts and I hope your days gets better.

bookseller1980

We're all behind you Red.

redsquirrel80

Thanks Knitty and Bookie Have calmed down a bit from yesterday, still fed up with work but got to persevere! Can't sort out the training stuff till Monday, but have a few things I can do today.

-Go to Post Office
-Sort out paperwork for OU financial support application
-Do a financial 'plan' of sorts for the month since it's payday (yeah!)

Think that's it.. bit sleepy.. might think of more later.

redsquirrel80

Budget for month to 22nd Sept:


Monthly income after tax................ 1073.88
Left from last month...................... 49
Total monthly income.................... 1122.88

Monthly Expense Details
Rent.................................... 500
Council tax............................. 76.74
Bank charge............................. 38
Mobile phone............................ 30
TV Licence.............................. 28.5
Presents (birthday, christmas etc)...... 50 (estimate - three birthdays!)
Total monthly expenses.................. 705.81


Unsecured Debts
Description....................Debt......Monthly...APR
Card 1.........................1501.83...20........0
Card 2.........................2612.16...20........0
Moorcroft 1....................146.16....10........0
Moorcroft 2....................445.......20........0
Total unsecured debts..........4705.15...70........-
(No loan payment as apparently DCA have passed it on to someone else so I need to find out who I should be paying now :rolleyes:)


Monthly Budget Summary
Total monthly income.................... 1,122.88
Expenses (including HP & secured debts). 705.81
Available for debt repayments........... 417.07
Monthly UNsecured debt repayments....... 70
Amount left after debt repayments....... 347.07

Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using Firefox browser.

Think I might have a few quid in other accounts as well so that's £350 left, obviously some food to come off that! Planning to put £50 in new savings account when that's open, so £300 to try not to spend too much of

redsquirrel80

Oops on the no more clothes front - I do actually need a waterproof jacket.. off on a cheapie buying mission!

redsquirrel80

OK, jacket bought - £17 which I thought wasn't too bad, and hopefully it will sort of pay for itself as I'll be less tempted to get the bus on rainy days if I've got a proper waterproof. Trying to keep track of spending hence line in sig.. although wonder if I should add the £50 present 'budget' onto that too (of which I have spent £32 today).. hmm yeah probably!

redsquirrel80

Yay.. it's the weekend. No particular plans so will just see what happens! Probably not spending much... hopefully! Hope everyone has a good one x

redsquirrel80

It's Monday - blah! Had a really good weekend - lots of walking in the countryside followed by some serious lazing about Spent £17 mostly on food and drink, not too bad... and managed to find some really good deals with cashback for OH on broadband and stuff for his new house. I've just introduced him to things like cashback, paid surveys etc and he seems to be finding it all very exciting

Today I really need to..
-GO TO THE POST OFFICE!
-Get new log-in for online banking for other bank account so I can start transferring everything over to it
-Sort out paperwork for OU financial support application

Sure there must be more.. thinking....