I have a dream...to be a MFW

edinburgher

ajmoney wrote: »

It has been an expensive day at the garage

How bad? Commiserations

Radish72

ajmoney wrote: »

It has been an expensive day at the garage

I presume the car has been expensive and not you passing the time

Mine was expensive too last month, mainly due to the free service/MOT deal running out, so first time I have had to pay for them, plus brake pads and 2 new tyres

ajmoney

edinburgher wrote: »

How bad? Commiserations

Radish72 wrote: »

I presume the car has been expensive and not you passing the time

Mine was expensive too last month, mainly due to the free service/MOT deal running out, so first time I have had to pay for them, plus brake pads and 2 new tyres

£576.86 worth of bad :eek: the main cost was brakes and pads. I had £332 saved up already :money: and it just means that the extra money that was going into savings now won't! The issues were advisories but as I don't use my car very much, I am away from anyone that can help me if I get stuck and I would forget that they may doing I decided to fork out for everything now in the hope that the service next year will not cost so much. I will just be making sure that I am clever with my spending for the next week so that I can cover the bill without having to raid any other accounts. The good thing is I put it on my credit card bill and have missed this month's statement so now don't have to pay it until mid-June

ajmoney

Hoping for a low spend day today as I am working in London and the food will be quite affordable. 100 year Gallipoli celebrations, looking forward to watching it back on TV when we get back later.

ajmoney

Seeing as I have £27 in my purse with absolutely no way I will spend it all this evening I have moved all of this months remaining money across into my ISA...a grand total of £8.05. However I have already but the money onto my credit card to pay off the rather larger MOT and servicing bill from last week and that is what was left so I have done very well. Tomorrow I get to move all the money into the various pots and work out what I have to live on for the month. This will be made easier when I have a look at my spending diary to work out where I spent this month's money. I think I have £18 a day with the money that is left after bills, I am planning on somewhere between £5-10 depending on what I eat during the day.

It seems a shame that I am sending less across to the mortgage at the moment, especially as my ISA interest rate is a lot lower that the mortgage rate but I want to boost my savings a lot first. I also want to see if I can do anything with Mr AJMs money so we can both contribute to the mortgage, but that he is happy that he can afford it as I know he worries a lot about where his money is going.

I think I am doing very well though considering I am running a house in Scotland and paying my way down here while I am working away. Next month I have almost two weeks at home to look forward to :j

ajmoney

All the money has been moved to the various pots. As expected I have £18 a day max to spend this month so my challenge is to aim for under £10 a day. If I need to spend more it will have to come from another day which hopefully will mean I have another £260ish to transfer to savings at the end of the month last month I managed to save about £988 between my cash and S & S ISA.

I have a trip away with work today so am going to try and tot up last months spends on the coach. I will have over £10 spend today but some of it will be claimed back.

Flying home rather early tomorrow morning for the weekend...my train is at 0456 :eek: and my train tickets etc are going to send me over the daily spend but hopefully by the end of the week it will balance itself out.

I think from next month I will up the amount that gets transferred to my ISA as it seems I can manage without it. I am well aware that I may not be able to sustain my current spending but I am hoping to keep it going as much as I can while I am living away from home. Then it will be a whole new challenge when I go back home.

In other good news, I may have a tutoring job on the horizon with a local cadet band. I am going along soon to see how I feel about it, wages are currently in negotiation. Once that is up and running I may see about advertising for teaching too to see if I can work on the challenge set to me of earning in teaching what I spend on food a month

ajmoney

My spending diary is still going well, I think I have managed to stick to my spending plan so far this month. However I have joined a gym this afternoon so there will be a bit less money going into my savings at the end of each month. I have been considering it for a while and although the one I have chosen is more expensive than I had planned I am quite comfortable there. I keep picking up injuries at the moment so I am looking forward to having a plan to stick with and then chill out in the spa after. I am going to start keeping a tally of when I go so I can work out how much it is costing me each time I go. My local council gym is £7 a time so I will quickly improve on that.

edinburgher

£7 a time? Oh my word, you can get budget gyms for £15/mth in Glasgow!

ajmoney

edinburgher wrote: »

£7 a time? Oh my word, you can get budget gyms for £15/mth in Glasgow!

Likewise in my neck of the woods but unfortunately I am working down yonder way at the moment, £7.30 for a casual member at the gym. I am paying a fair but more than £15/mth as I didn't like the atmosphere in the gyms that charge that. Not long back in from a swim, sauna and jacuzzi, I am determined to make the membership work for me.

ajmoney

I have got a spendy day ahead of me tomorrow so I am after a bit of advice. I have a music lesson in London (my first and I am quite scared/nervous), I will get most of this money back and will be paying out for my train ticket, these are unavoidable expenses. Unfortunately I will need to get dinner while I am up there as I will get back too late to think about food here, can anyone recommend a way of eating cheaply in London when you are on your own? I will be in central London and will have access to the tube if I need to travel.

Even though I organised this lesson a month ago I am still very under-prepared but I am hoping tomorrow will be inspirational and give me the kick I need in the own playing.