The Happiness Fund.

MovingForwards

It is hard trying to balance outgoings with income. Perhaps settle in to your new role and salary, slowly chip away at repaying your dad, then in the new year start over with a clean slate.
There's 4 months that could be used to get back on your feet before thinking of saving again.

Skint_yet_Again

Hope you are ok SW. Was it your first day at new job today. ? Hope it went well

savingwannabe

Hello it has much nicer staff and ambience than my old workplace and i have been busy sorting bits to do. I am working from scratch and will have to create my own  resources which means long hours with only a part day off.

It was worth changing jobs as my salary was going to be cut by £100 a month. I shant really know for certain how much i will get till next month I am just guessing it is £240 extra, I am hoping to save as much as i (£100-150) can once my travel costs are taken out. It turns out my bus ticket will also get me to other places i usually take a taxi to so that is more money saved. 

Skinty, Dad doesn't want to be paid back but i would like to although i think it will be slowly. 

I have come home a bit worried about the prep i have to do so i am going to mow grass, water plants and wash some clothes to take my mind off it. However i am doing a subject i love, we are not in lockdown, regardless i do love my house and garden so things are good. 

I think payday is on Tuesday. I have been living on my credit card all month and hope i can pay it all off this month. Fingers crossed. 
 

MovingForwards

Did you do your working at home tax break for this financial year? 
- you only had to be told to WAH one day with your old job and still get it for the whole tax year. The extra £1.20pw isn't much, but it helps a little each payday.

I'm so pleased to hear it's a nicer place, we spend so much time at work to be unsettled. You'll fall into a routine with prep soon and it will get easier.

Consider splitting your CC bill over 2 paydays, but don't use it again until it's cleared. Occasionally it's worth taking a small hit on interest to reduce financial stress.

Skint_yet_Again

Glad to hear that the new place and people are nicer. 

My DF is the same, he wants to give me money occasionally and insists he does not want it back. I have now had to accept that he wants to help and it is a gift. He doesn’t want me to feel obliged to pay him back or worry that I have to find the money to pay him back.  I know the feeling that you want to pay your DF back but if he doesn’t want you to maybe you can find a way to accept that. 

I get paid on Tuesday too. 

longway2go

Congratulations on your new job, I hope it continues to ge well as you settle in and the financial situation works it's self out when you know how much you will be getting each month 

Skint_yet_Again

Have a lovely restful bank holiday weekend SW. I bet you are exhausted after your first week back. 

savingwannabe

Im writing notes all weekend but parents are coming sooooo happy. They are here till Tuesday when i go back to work. So chuffed. Work will be easier as they are here.

Also we get paid on Monday night. Soooooo chuffed. So far other than buying a gift (£20)for a work friend who is leaving I havent spent a penny. Hurrah. 

My parents have done so many jobs in the house and garden I am so chuffed!

My plan for today is to put down some mulch in garden to stop weeds coming up again and then death by lesson planning. lol. 

Skint_yet_Again

I’m glad you are having a lovely time with your parents. Good idea with the mulch, it is such a big garden for you to manage & weed on your own. 

MovingForwards

Happy payday. Enjoy having your parents down and getting so many tasks cleared.