Diary of a spendy cow

mooomin

Hello

I've been lurking around these boards for manys a year now, and this is my umpteenth diary since joining. I've been full of debt (just under £10,000 at its peak) and am for all intents and purposes debt-free at the moment. I have a credit card with just under £200 on it as an outstanding balance but it's interest free and will be cleared by Christmas.

As those who know me well can testify to, I have a bit of a habit of getting all spendy and just vanishing. I need to be a bit more accountable to myself so that I can keep on building up my savings. I got made redundant last year and still have a reasonable chunk of that money left but don't want my spendy ways to interfere with having actual savings for the first time!

I have a few things to focus on with my frugality:

• I want to go back to uni next year as a mature student, which means I will have to be frugal like a fox now to save money in advance. I'll then have to be VERY disciplined if I do end up as a student again.
• A holiday! I know this doesn't really go with the frugality thing, but my brother has offered to pay for a flight to go and visit him (he works abroad) so I'll need to pay for a passport and spending money, probably £500-£700 all-in. That's my next savings goal.

So, how am I doing financially? Well, not too bad. I have a decent chunk of money in my ISA which I'm not going to be touching until I potentially return to education, so I'm ignoring it for the purposes of MSE. More financial jiggery-pokery to follow in my next post


Feel free to wander in and say hello, be you an old friend or one I haven't met yet.

mooomin

Money things:

Credit card balance: £158.75

General savings: £750
Christmas savings: £316
Car savings: £230

My general savings account is for my potential holiday and for other items that might crop up like house repairs, decorating and whatnot.

slowlyfading

:hello: and happy new diary! :j :j and money side is all looking good

Think you need to change your sig

mooomin

slowlyfading wrote: »

Think you need to change your sig

I've just removed it - I'm clinically useless at remembering to update it as you can see

slowlyfading

:rotfl: fair enough!

Siouxsie32

Yeay!!!! Hello :hello: I look forward to checking in, cheering you on your progress, understanding your spends and participating in general chit chat

kissjenn

Hello Moo.

Welcome back.

Whatcha going to do at Uni?

Glad everything's looking so fine.

xx

mooomin

Siouxsie32 wrote: »

Yeay!!!! Hello :hello: I look forward to checking in, cheering you on your progress, understanding your spends and participating in general chit chat

Well, it's payday tomorrow so there will be plenty of budgeteering.

Utter nonsense talking will be resumed shortly.

mooomin

kissjenn wrote: »

Whatcha going to do at Uni?

Something that only 20 people a year get accepted for, so I don't want to say in case I jinx it or get accepted and am therefore really easy to identify

I'll tell you if you come and meet us all for coffee in a couple of weeks!

beanielou

Happy shiny new diary~waves.
Good to see you.

PositiveBalance

Hello again, you spendy cow, you! :rotfl:

Well, it is nice to have you back. Now you have started a new diary, I may have to do the same. Or at least write in the old one.

And university? I want to know what you want to study as well, but I won't for the reasons you gave. Very best of luck, though! :T

I look forward to participating in and expanding upon the talking rubbish that will start in a bit.

Good to have you back! :T