A Payment A Day - Part 10!

PurpleJellyFish

£10 to mortgage and £340 to new ISA so £350 please psycho

MinniMe_2

thanks for the frugle living links everyone - think it will yake a fair bit of reading through to get to grips with. Have people noticed a real difference?

mooomin

MinniMe wrote: »

thanks for the frugle living links everyone - think it will yake a fair bit of reading through to get to grips with. Have people noticed a real difference?

I personally find the challenge really motivating. Lots of people have lower budgets than me (Mine is £10,000 for everything apart from the mortgage) but they are also better at frugalising than me Each person on the challenge cuts their cloth according to their circumstances, and I find it really supportive.

I started the challenge last year but just wasn't ready for it. This year, I felt more in control of my finances, and am putting all monies saved into my ISA to try and build up an emergency fund. I'm doing pretty well, if I do say so myself :rotfl:

Erme

clearing_out_my_pockets wrote: »

Afternoon all. Lovely day here and I'm feeling quite chirpy today! Honeymoon has now been paid (grrr).

£1.01 from me today

Well done you :j...way to go

flying_fresian wrote: »

I personally find the challenge really motivating. Lots of people have lower budgets than me (Mine is £10,000 for everything apart from the mortgage) but they are also better at frugalising than me Each person on the challenge cuts their cloth according to their circumstances, and I find it really supportive.

I started the challenge last year but just wasn't ready for it. This year, I felt more in control of my finances, and am putting all monies saved into my ISA to try and build up an emergency fund. I'm doing pretty well, if I do say so myself :rotfl:

You see I find the opposite..I find I get examined over least little spend I put on there and it all becomes a tad too pressurized then I leave and go and do a major whoopsie.....(think Macbook).... I don't deal well with pressure...I find the whole 'I've had 101 NSD's this month and only spent £25 on the kids all month (yet £250 on the pets)' a whole contradictory.. and I nevermanage as many NSD's as everyone else cos it's not really that healthy for me right now..

For some folk it works and good on them but no, not for me....

So that's an alternative on the frugal living challenge. Okay so I've had some pretty bad experiences on there...but even so.....It's not all rosey..there is cyber bullying at times etc....

Hope this hasn't upset any one...tell me if it has an I'll delete it. Like F_F says you have to be ready for it

E

mooomin

I think it depends on how you view the challenge. The first time I did it I was very intimidated as some people seem to live on fresh air and nettle soup :rotfl:

Thankfully I'm looking at it this time as frugal for me, which isn't what everyone else would see as frugal. Some people don't consider a smartphone to be an essential spend for example, but I love my HTC so that has to be in my budget

As long as it keeps me focussed on budgeteering and not going totally off the rails now I'm debt-free, I'll be happy!

Silaqui

Hi everyone,

You may remember that back in January I ended up buying OH a new car on my credit card that I had only just cleared :mad: Well today I have a PAD of £578.21 which clears it again! :j

He'll still be paying me back till october though Every penny going to wedding savings now.

Andy, well done on your first mortgage overpayment! :T I really like the way you are doing your targets as percentages, might have to nick that idea for my spreadsheet!

Hope you are all well and enjoying the sunshine xx

sophia-abigail-mummy

newmum, hope you manage to sort things out.

erme, thanks i do that sometimes when i crave carbs. Things will get better that what I keep telling myself.

Winnie in Pooh, good luck with your scan. Are you going to find out about the sex of bubba when you can?

thanks everyone for the support so glad sun out today no heating required :T saves some money PAD today £0.43

Paulgonnabedebtfree

Thursday PAD of £245.02 thanks

never_too_old

Morning
£2.28 to start with today just transfered money from tcb

mooomin

£1 to start using my ISA allowance for this year :A :rotfl: