Keeping up appearances.......

HappyNow

:):):):) PAYDAY TODAY :):):)

Well here I am, wide awake since 3.00 am because it's payday and I was too excited to sleep! I have spent the last two hours sorting out our finances, and it is GOOD NEWS!

From last month's salary I paid for both car insurances in full, an MOT and six months tax for one car and a new tyre for the other. That meant I had to use my credit card for food etc. But today, I have paid off what I used and reduced the card debt by an additional £310. Not a huge reduction BUT I decided that I would hold back £220 to pay into my little bank accounts to cover any emergencies, because I really want to get through a month without touching my credit cards at all. And I have a tight but do-able grocery, petrol, coal and animal budget (including a guesstimate for the Happy Horse's vet bill which still hasn't come).

And to add to the excitement, I have had five Ebay bids on my cardi.

Good times!

Tilly_MFW_in_6_YRS

Doesn't it feel good :T

Have a good month, Tilly x

Piquant_2

It's all sounding good and actually £310 is a substantial amount as this is leftovers of your monthly spends. You didn't have leftovers when you started debt busting did you? The amount will go up each month as you clear more debt as well.

I don't envy you the guesstimate vet bill for Happy Horse. I always tell the Captain not to look at the vet when he visits at the yard in case he gets any ideas. Fairly sure my friend's horse has a crush on the vet, the amount of times she has to call the vet out for various knocks and bruises!

Piq

PinotGrigio41

Brilliant news Mrs Happy !! I'm so pleased for you and these 3am starts for us all seem to be gettign more and mroe popular !

Looking forward to hearing how the bids go on the cardi !

Off now to catchup with your posts from the last week, I think ! Sorry !!

Box_of_Fluffies

Excellent news Happy. Here's to a month of not using your credit card. :beer:

brizzledfw

Absolutely..this is fab news Happy!! Well done. We are SO excited too!

I have vehicle tax to pay this month..but hey, the current account can take it. Its fab news. I do like these pots and making key spends accounted for on a monthly basis..its a much better way of managing cash flow

Painted Lady and Tilly..I know how you feel. I am living proof of using bonuses to get myself out of trouble. Now don't really have them to the same degree, or the regular income for that matter (I am now PT) so have to really focus and curb my behaviour...but I am getting there!! As Happy says onwards and upwards!

Brizzle

NewLeaf_2

way to go Mrs Happy. You are doing so well, keep up the momentum xx

poohbear59

Great news Happy, I hope this month is an easier one than last and you don't get any more nasty financial surprises.

poohbear59

Happy, it is a while since we heard from you so I hope everything is okay and you are still beavering away at saving money.

brizzledfw

And not hiding in the garden shed, lurking on MSE with a head torch on:rotfl: