Turning 32, time to get it together!

Brallaqueen

Well, screwed the pooch this month! I overspent and dipped into my savings on three separate occasions.

Not feeling too chuffed about it all but pay day tomorrow, a fresh start and I will do better.

savingwannabe

Hi Brallaqueen, sorry about the dipping into savings (but at least you have them and that is what they are for) but well done on everything else. Hopefully you will do v well this month. Be happy pet you are doing really well.:beer: Well done on payday. I have one week to wait! :eek:

Brallaqueen

Spoke too soon. I missed a payment on my credit card like a proper numpty so broke the 0% terms and conditions as well as earning a late payment charge. The h3ll is wrong with me right now?

I've begged for the charge to be waived so will see next month. In the meantime I have used savings to pay off balance in full hopefully avoiding an interest charge double whammy.

Current situation:
Savings: 2308.45
0% credit card: 0.00.

Camping holiday this weekend so savings bound to reduce even further. I can cope, I have fallen off the wagon big style but I will climb back on

savingwannabe

hi I am so sorry Brallaqueen. Can you set up a direct debit so it goes out without you needing to okay it?


It is easy to forget I did it once on a so called bargain from Debenhams which ended up costing a fortune once I realised that I forgot to pay as a dd hadn't been set up!:mad:


Keep at it you are doing really well. It's things like this that teach us new lessons. Now when this happens it is an accident and unusual not ordinary as it was in the pre MSE days.


Stay happy petal and keep up the good work! :T

Cream_Tea

Until I joined here I had an extortionate CC which I kick myself about now. I'm with Savingwannabe it's unusual now to be ripped off by CCs so don't be hard on yourself. Hope all is well with you (apart from the naughty CC!)

CT

Brallaqueen

Trying to keep this posting habit going.

The bank kindly refunded the late payment fee so that is good.
Got a small bonus at work which has helped repair the damage.

So, a step back but by no means back to square one. Progress is being made!
Anything I have left has gone back into the pot already so current situation stands as follows:

Emergency savings: 2400
0% Credit card: 0.00

I've taken the mortgage off for now, its going down very slightly due to monthly payments but it splits my focus a bit and I need to be concentrating on savings first

Brallaqueen

And on a really positive note, DC has opened his first high interest account for his savings! I could jump for joy, I really could!

thrifty-hayley

Hi Brallaqueen, just discovered your diary and love it! I'm saving up for a house deposit (Operation Escape From Parents House!) Good luck with your savings and well done for taking the first steps!

Cream_Tea

How's this month treating you? Hope chappies savings account is filling up nicely and you have shown him the light!

CT

Brallaqueen

Still trying to keep this posting habit going!
Top and tailed 63.00 this month, due to various expenses and a pending holiday. Still, it is something! I have funded everything from wages not savings so I am happy. I am still putting that 50 away regularly as well.
Savings looking steady at £2513.00.