Living Imperfectly

leanne77

Posting to encourage myself to keep going. I like to try and have everything perfect before I do anything, which obviously means a lot of the time nothing gets done, which is not helpful. It also means when something throws a spanner in the works I tend to throw up my hands in disgust and wander off pretending I was never that interested in the first place. Again, not helpful.

So my task is to give up procrastintating until I can make something perfect and instead learn how to live wonderfully imperfect.

The current disaster that was threatening to send me off the rails is I worked out a beautifully perfect soa,

Wages in: £919.67

Bills - Monthly
Mortgage 216.69
Council Tax 99
Management fee 100
Electric & Gas 52
Water (large credit built up pre meter) 4
Telephone & internet 14
Cat insurance 21.74
Charity 25
Lottery 8
Total 540.43

Bills - Yearly (broken down monthly)
House insurance 7.5
BT standing charge 12.5
Chimney Sweep 5
Boiler service 8
Dentist 5
Total 38

Savings - Short Term
Clothes 15
Cats 30
New laptop 8
Christmas 20
Holiday (with parents) 50
Travel 8
Unexpected (last year I had a lot of these) 15
Total 146

Savings - Long Term
House 15
Dental & Medical 15
Emergencies 15
Freedom Fund 15
Total 60

Groceries 60

Spending money 75

TOTAL 919.43

So on this soa I would be building up an emergency fund, and also saving money so I can maybe leave my job at some point in the future. My mortage was off the reduced tariff thingy and I'd even signed up to my work pension! (This is positively miraculous).

And now my energy supplier has abruptly decided I need to pay an extra £40 :eek: (nearly twice as much :eek: ). Arrrrghhh. It's kind of infuriating because I was in credit after my last bill so I don't know what figures they're working on but apparently I'll need to wait until the next bill to get it changed.

I can afford it, which is good and I know I'm lucky with this, thank heavens I managed to clear my debts before Christmas or I don't know what I'd have done, and hopefully I'll get some money back, but it's just depressing to have my free cash reduced by over half. I want to throw a screaming tantrum. I'm trying so hard to be sensible and save and be organized but I'd like to spend some money on stuff for me.

Anyway I'm not going to let this drag me off track. I've eaten most of my emergency chocolate which wrecks the diet but has put me in a better mood. Onwards and upwards.

And tomorrow is Friday. Woo-hoo.

roxy7699

Are you able to request a cheque on the credit? What if you cancelled the dd and pay into the account manually what you believe it should be?

Saturday tomorrow...even better!