Learning to Live on Less!

LianneH

Hi WhiteIris

Wow- just saw your signature! Well done on the emergency savings and credit card 2 - you have really made in-roads to both!! I was on target to be debt free by next month but had to use my credit card for a few emergencies!! so annoyed but hey its a up and down journey eh?

You are doing really great with your e-baying too and you New Year resolutions are a good focus!

x

Skint_but_Optimistic

The emergency fund is one I really want to build too. At the moment I am doing one debt v 100 days and will be clearing Vodafone, so the next one will be an emergency fund! Seems like a plan!

White_Iris

LianneH wrote: »

Hi WhiteIris

Wow- just saw your signature! Well done on the emergency savings and credit card 2 - you have really made in-roads to both!! I was on target to be debt free by next month but had to use my credit card for a few emergencies!! so annoyed but hey its a up and down journey eh?

You are doing really great with your e-baying too and you New Year resolutions are a good focus!

x

It is frustrating when you have to use the credit card isn't it? I fully expect to have to use ours for emergencies for a little while yet but if we can avoid using it for day-to-day spends the battle is almost won!

Skint_but_Optimistic

I think there is no small steps, its all giant leaps, particularly in how we think of money.

White_Iris

Skint_but_Optimistic wrote: »

The emergency fund is one I really want to build too. At the moment I am doing one debt v 100 days and will be clearing Vodafone, so the next one will be an emergency fund! Seems like a plan!

Good luck with Vodafone - gone by Christmas (that's about 100 days away roughly I think?), what a great present!

Skint_but_Optimistic wrote: »

I think there is no small steps, its all giant leaps, particularly in how we think of money.

Well said :T

White_Iris

Argh, DD has just eaten my library book! I thought I'd left it out of her reach but she apparently has "go-go-gadget-arms" that can shoot out and grab whatever she likes! Fortunately have managed to track it down on amazon for 1p (with £2.80 postage), so hopefully I can swap over all the stickers and no-one will be any the wiser and won't have to pay full price for a brand new copy :-/

Re-reading this it does seem a bit crafty to swap the books rather than owning up, and if it was a new book I certainly would have done, but it's a well used paperback and hopefully the one I'm replacing it with will actually be a bit nicer.

LianneH

White_Iris wrote: »

It is frustrating when you have to use the credit card isn't it? I fully expect to have to use ours for emergencies for a little while yet but if we can avoid using it for day-to-day spends the battle is almost won!

so frustrating! its as if its a conspiracy.. every time I am nearly there, there is some kind of emergency I need to fund! as you say though, if its only emergencies and not day-to-day stuff then its half the battle!

thanks for listening - sorry for hyjacking your diary!

Li x

White_Iris

LianneH wrote: »

so frustrating! its as if its a conspiracy.. every time I am nearly there, there is some kind of emergency I need to fund! as you say though, if its only emergencies and not day-to-day stuff then its half the battle!

thanks for listening - sorry for hyjacking your diary!

Li x

Feel free to hijack any time!

It is a conspiracy isn't it...they call me paranoid, but I know!!!! Those credit card companies engineering emergencies so I HAVE to give them money!

:rotfl::rotfl::rotfl:

White_Iris

Car tax paid with no help from the credit card YAY!! Car insurance next month which will need to go on the credit card but only about half of it unless I do exceptionally well with eBay before the end of October.

Dinner in slow cooker - currently the house smells of onions [homegrown :-)] but it should be lovely by tonight!

Skint_but_Optimistic

call me odd but I love the smell of onions cooking.

Well done for the car tax not on credit card!!!

I cycle money through the credit card alot to cut interest and reduce the balance. It takes a lot of faffing on though. Would probably be much easier just to not use them...