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Pollyanna
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Bubblesmum wrote: »Morning
Ooh a budget app...... What one are you using..... It's on my list of todo.
We've used an excel spreadsheet for ages, but I would rather have something on the IPad.
Spending birthday vouchers is fab.... I always got book vouchers from a cousin for my birthday and it was a highlight.... He passed away (killed on his cycle) a few years ago..... Wish I could tell him how much as an only child they meant. happy memories
Morning!
I use Expensens ... It's available for iPhone so I assume is out for iPad. It's the perfect one for me as all the rest seem to only allow a fixed income etc and I have income that wobbles all over the place and comes in willy nilly, and it let me do very thing manually I think it has a free version with a limit on transactions but the paid one is only 69p or something. I love it and can't be without it!
So sorry about your cousin, I'm sure he knew how much they meant
In our house, when things break, we just pretend they still work0 -
In our house, when things break, we just pretend they still work0 -
ChopinonaBudget wrote: »
found it...l and treated myself to the 69p one.. Guess what I will be doing this afternoon lol
:T:T:T:j:j
:beer: thank youAs a dear MSE friend says “keep plodding” or
What does the saying say.... When life hands you lemons, make lemonade
Or as my Mum would say, brush yourself down, tomorrow is another day or
Fake it, to you Make It
Please say hello my new diary: https://forums.moneysavingexpert.com/discussion/6578460/still-dancing-to-blow-the-debt-clouds-away0 -
Bubblesmum wrote: »found it...l and treated myself to the 69p one.. Guess what I will be doing this afternoon lol
:T:T:T:j:j
:beer: thank you
No worries! I took me hours to set it up the first time, but then I have three jobs, one of which is self employed (so I set up different expense categories for business expenses, I assume you won't be doing that!) I also have multiple bank accounts and credit cards. You can set up categories to give you a monthly budget if you like... I do this for clothing, groceries, petrol, parking etc, and don't bother with things like rent, utilities. Then I can see instantly how much I have left to play with for clothing or whatever. You can also rollover the budgets or not, so under or overspends carry on till the next month. Really useful for things like hair cuts as I can see instantly when I'm due one as I have enough rollover to pay for one!
It's simple, but takes time to set up. I can't be without it now, and in buying it for my daughter when she goes to Uni!!
In our house, when things break, we just pretend they still work0 -
ChopinonaBudget wrote: »I know, I try to remember that, but
But. But, but, but, but, but...
Don't try to remember. Remember, and feel it.ChopinonaBudget wrote: »as an example, this week I will have brought in a flat £60 via teaching :eek: on a good term time week I can bring in £350+ plus £100+ from job 2 plus £275+ from job 3.
Yes. But other people can make the same comparisons between weekdays and Sundays. Not every day can be a glory of earning, and for you, not every month can be.ChopinonaBudget wrote: »Hence my need to keep minimum repayments as low as possible.
They are as low as possible. They are minimum payments.ChopinonaBudget wrote: »A couple of months ago I paid off £2.5k total debt in one month without even budgeting. This month I've slipped back in by £950
No. This month you have spent approximately what you expected to spend for this month, so you haven't slipped. You are approximately where you expected to be.ChopinonaBudget wrote: »and I've been budgeting hard and sticking to it. I'm used to it now, the eventual plan is to build a buffer for the summer months, but in the meantime I like my outgoings to be silly money so I can just chuck extra money at debts during the months I have it rather than the months I don't
If you work it out, with interest rates and everything, you'll find it makes very little difference. It's just an emotional thing to do with wanting to have more money "in hand"."Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
"We were born and raised in a summer haze." Adele 'Someone like you.'
"Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky." OMD 'Julia's Song'0 -
But. But, but, but, but, but...
Don't try to remember. Remember, and feel it.
Sorry, no. I'm overdrawn paying 20% interest to nationwide. M&S want £60 of that overdraft to pay off a 0% credit card. As it stands, that makes my debt longer to pay off, not quicker.
My debt and my fluctuating income works best if my minimum payments are extremely low. I get that m&s are higher than I wished, but a higher out lay will actually make my debts worse as on low earn months I have to dip into a 20% overdraft to pay off 0% cards.
Yes. But other people can make the same comparisons between weekdays and Sundays. Not every day can be a glory of earning, and for you, not every month can be.
I'll sort it, I've sorted worse before, but it's hardly the same situation as not earning on a Sunday.
They are as low as possible. They are minimum payments.
No. This month you have spent approximately what you expected to spend for this month, so you haven't slipped. You are approximately where you expected to be.
I meant this literally: slipped further into debt, not slipped my ways
If you work it out, with interest rates and everything, you'll find it makes very little difference. It's just an emotional thing to do with wanting to have more money "in hand".
No, it's to do with looking at my current account and trying to work out if there's enough money in there after the last 6 weeks to pay the bills for the next two months. Which there will be, but it's not emotional, it's an actual thing and I juggle like a circus clown this time of year. My ISA will be raided at any minute if need be despite the fact that i strongly suspect HMRC will want that money back. Even the tax fund will be raided in an emergency and I'll pay the tax on the credit cards like I've done before.
I'm in a better position this year than I've ever been, but having been at rock bottom, I can't be at a point where I'm not looking two months ahead and thinking what if?
In our house, when things break, we just pretend they still work0 -
Thanks though, even though I disagrees with everything you wrote, I appreciate that you care enough to respond
In our house, when things break, we just pretend they still work0 -
Ps I'm currently not yet overdrawn..., I have £34 left! :beer: I'm celebrating that!
In our house, when things break, we just pretend they still work0 -
ChopinonaBudget wrote: »Ps I'm currently not yet overdrawn..., I have £34 left! :beer: I'm celebrating that!
:beer::beer: and having recently read your diary.... Such an achievement from this time last year :T
CongratulationsAs a dear MSE friend says “keep plodding” or
What does the saying say.... When life hands you lemons, make lemonade
Or as my Mum would say, brush yourself down, tomorrow is another day or
Fake it, to you Make It
Please say hello my new diary: https://forums.moneysavingexpert.com/discussion/6578460/still-dancing-to-blow-the-debt-clouds-away0 -
Bubblesmum wrote: »:beer::beer: and having recently read your diary.... Such an achievement from this time last year :T
Congratulations
Hey thanks! :beer:
I'm cheating a bit as I've taken the payment in full function off the tesco credit card to free up the current account whilst the summer is going on, but I should be able to pay that off fairly quickly. I'm still learning, and I'm having to do this wee little financial experiment to see if I can survive without tax credits as I think I'm about to lose them (HMRC say I can still get them but Child Benefit said nope, so I don't believe a word anybody says until the next two years are up and I have some money safely stashed in an ISA that is actually mine! :rotfl: It's going to be bloody tight, but I've managed on worse. And at least this way I'll have the cash if or when they request the money back. Or it's an enforced emergency fund if the sh*t hits the proverbial
In our house, when things break, we just pretend they still work0
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