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Diary of a spendy cow

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  • mooomin
    mooomin Posts: 13,703 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Morning all :D

    It's shameful that it's the 6th of March and I still haven't managed a NSD :o Hopefullly I'll do better today. As of tomorrow, any day where I don't use my credit card will be a SFD as it's all budgeted as part of my holiday money, including travel to and from the airport.

    Money:


    Current account: £20
    Savings: £1934.60 (Looks more impressive than it is as I have £144 in there from my neighbour for roof repairs, and I have to remove £144 of my own money for my share)
    Food: £6 I've done a top up shop for Mr Mooo and the £6 in there will be for some kind of quick meal when I get home as I get paid the following day :D

    Tonight we're off to the cinema as there's a documentary playing for one night only which Mr Mooo wants to see, so I also need to get packing done and make sure things are ready. No pressure!

    Have a lovely Thursday everyone :D
  • Ali-OK
    Ali-OK Posts: 4,073 Forumite
    Part of the Furniture Debt-free and Proud!
    Have a great day and a wonderful holiday :)
    Back on the DFW Wagon:

    CC - £3,300 on 0% til 04/2020
    CC - £4,500 on 0% til 02/2019
    Loan - £12,063.84 as at 4/1/18
  • Happy Holidays :D have a wonderful time Moo :)
    Grocery Challenge £211/£455 (01/01-31/03)
    2016 Sell: £125/£250
    £1,000 Emergency Fund Challenge #78 £3.96 / £1,000
    Vet Fund: £410.93 / £1,000
    Debt free & determined to stay that way!
  • beanielou
    beanielou Posts: 95,697 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Happy Hollibobs Moo~~you so deserve them :grin:
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Have a great time Moo x
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
  • Mrs_Money_Penny
    Mrs_Money_Penny Posts: 1,312 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Have a lovely time away.
    2025 Decluttering 10472⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️
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  • tomtombeanie
    tomtombeanie Posts: 1,023 Forumite
    Part of the Furniture Combo Breaker
    Safe travels, enjoy yourself!
    Mortgage free as of 11/11/15 !
    :Anow... to start some serious saving :A


  • Munchin
    Munchin Posts: 2,816 Forumite
    Part of the Furniture 1,000 Posts Photogenic Debt-free and Proud!
    Have a lovely holiay Moomin :)
  • *Unlocks front door of thread*

    *Turns lights on all over house in manner to say PEOPLE LIVE HERE RIGHT NOW to burglars*

    *Opens windows to air thread*

    *Dusts a little and sweeps floor*

    *Checks fridge for anything gone off in case of last minute rush and forgetting to throw it out*

    Hi Moo - sorry I didn't get to say have a nice time before you left (things were a bit busy here) but I hope you are having a really good time. I look forward to hearing all about it when when you get back. :)

    *Closes windows and turns off lights in each room*

    *Repositions curtains ever so slightly to put eagle-eyed burglars off*

    *Checks back door to thread is locked*

    *Locks front door on leaving*
    Debt: £11,640.02 paid in full! DFD: 30/06/20
    Starter Emergency Fund (#187): £1000/£1000
    3 month Emergency Fund (#45): £3300/£3300
  • mooomin
    mooomin Posts: 13,703 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Thanks for looking after things PB, you're an excellent house-sitter :D

    I got back the day before payday with £20 in my wallet and there's still about £13 in there I think :A Payday has been and gone and here's how things stand:

    Current account: £309.38
    Savings: £1806.99
    Food account: £148.35
    Car account: £195.18
    Christmas/birthday account: £165.81

    My credit card is cleared - I didn't use it while I was away and even had currency left - over £300 :D My brother sent the sterling amount to me and kept the cash which worked well for both of us in terms of exchange rates. I didn't buy a lot of souvenirs (I don't see the point in them, I like to take home memories) so the main costs were on eating out (every night!) and one overnight hotel stay to a resort where we could go out at night and see wild turtles :D There were only a couple of turtles on the beach as it was the end of the season, but it was amazing to see them. Sadly no photos of that as they are apparently quite easily spooked.

    I've upped my food budget to £200 as we were low on many supplies and as I finish up this contract at the end of this month I wanted more money in the account to try and make it stretch. I spent just over £50 yesterday and the cupboards are bursting and thanks to the Halifax cashback offers I earned 10% back on my shop :j I'll get that paid in to my current account at the end of next month.

    My savings are looking quite good again thanks to having my £300 left from the holiday. There'll be another boost when my neighbours cough up for their share of the roof repairs :D I'm due £288 for that. I'm going to be taking a lot of money from there in the coming weeks unless I find some work though :( I'm working on a rough budget of £1000 per month so I need to get my CV sorted out today and start firing it off to temp agencies. It's been a slog getting savings together and I don't want to waste them on bills :D

    Hope everyone is ok - I've not been keeping up with diaries, sorry. Best run and get ready for work now. Bah!
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