Remember that life's a great balancing act...

postingalwaysposting

A famous Dr Seuss quote to title my diary. Life truly is a balancing act for me…

So for the final time ever I am debt free, I owe nothing to anyone and it feels quite strange. I now am starting the major task of saving for my future. Its quite strange because although I need to save I haven’t got a real target like many savers (i.e. house deposit etc). My idea is to save 6 months basic wage and then go from there.

Of course there will be mini savings targets along the way but just now I need to focus on this target. In order to complete this I need to save at least 35% of my wages each month. Obviously my spending and bills will have to all be addressed in order to make this happen. So I also plan at least 15 nsd’s a month, reduce public transport costs, reduce grocery spends and try and find extra work.

So that’s me, sorry I closed my other diary with no notice I just needed to turn a new leaf.

elantan

Hey pap good to see you on a new chapter in life ...

beanielou

Pap~A great new start to the next part of your journey
Keep plodding xxxx

dangers

Hi pap, good to see a new diary. Well done on being debt free. Take care, Lucy

Bunnyinthelights

Well done Pap!

You star xxxx

Gemmzie

Yeah new diary!

Good luck with the plan and don't be too hard on yourself getting to your goals - you're debt free (:T :j) so enjoy it too

postingalwaysposting

Gemmzie wrote: »

Good luck with the plan and don't be too hard on yourself getting to your goals - you're debt free (:T :j) so enjoy it too

:rotfl: Gem as you know I am an all or nothing type girl. I have been debt free before and I failed to save because I didn't think I was doing enough. Now I think I need to take a day at a time and see what happens. I have a standing order for a nominal amount each month to my savings so as long as thats covered I will be happy. As it is there has been a huge change in my household so right now the s/o will be the majority of my saves

Payday soon :j I have had to take over our pet insurance for the dog. This takes my direct debits/standing orders to 4 a month, one too many really but hopefully it will not be for long. I won't have to pay for this myself as we have decided that Mum will cover this as I pay for house insurance. However its still coming out of my current account so I am classing it as a bill

Thats about it really, I am thinking about putting a couple things on Ebay but moreso to give me some 'play' money as I need some new sharpies and stuff that I can re-order from ebay. NSD challenge starts tomorrow and I need 15th before the 14th August, simples :rotfl:

Take care all :beer:

penelopedee_2

Happy new diary Pap x

Gemmzie

Me too PAP and I tend to save for ages and then splurge - must do better!

postingalwaysposting

Thanks Pen :A

:rotfl: Gem, we must keep on top of it this time. After all you need a white dress and a new house

So payday has been and gone :rotfl: My standing order has go to my savings account, that now rasies my saves to 4% :T I am also sending a small amount to them in a cheque but I will have to wait for that to clear. 2/15 NSD's so far, not too bad.

I am off to the meet on Sunday and to Bath on Monday but I am hoping to curb my spends. I am thinking £20 for each day. That would leave me £50 for the remainder of the month, seems do able

Have a great weekend all :j

penelopedee_2

Have a good weekend too, Pap. Seems like you've plenty going on