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The Happiness Fund.

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Comments

  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Makes a huge difference having working equipment. 

    Well done doing the decluttering and buying new trousers.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • savingwannabe
    savingwannabe Posts: 16,619 Forumite
    Part of the Furniture 10,000 Posts
    edited 30 July 2022 at 6:56PM
    Hurrah, i have started writing lessons. Hurrah. No way i can do all i had planned to but i will do this part to a high standard for the next 3 weeks. I will be doing a few hours a day when i travel next week too.

    We have just been paid, my money has gone up by £10 a month! No direct debits have gone out yet My credit card bill is mahoosive (550+500)  for last month and for this month but i have eaten out and met up with most of my friends. After this is paid I have £300 left for food and fun.  I will not be going out when term starts so this is my 6 weeks of going mad!

    I wonder how people will manage with the energy cost rises? The figures look really frightening.  I am so grateful to have a job and really worried about the rises. I have sold a necklace on ebay and will post it on Monday. 



    Aiming for a minimal spend 2022
  • savingwannabe
    savingwannabe Posts: 16,619 Forumite
    Part of the Furniture 10,000 Posts
    Just sorted home insurance, thank you Martin Lewis, only £103. Now going to have a cup of tea and do some work. We are hoping for rain as garden is looking a bit dry i have been watering beans and tomatoes though. Both are delivering lovely food which i am eating daily. 
    Aiming for a minimal spend 2022
  • Skint_yet_Again
    Skint_yet_Again Posts: 8,450 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!
    Well done on cheap house insurance SW and lesson writing 🤗 Watch out for the hosepipe ban from 5th august in the south.  Have you got any water butts ? 

    0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
    House sale OCT 2022 = NOW MORTGAGE FREE 🤗
    House purchase completed FEB 2023 🥳🍾 Left work. 🤗

    Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).

    Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1

    Living off savings diary
    https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p1
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    That's a good price for your home insurance.
    There's been a change to the personal allowance or tax, but it makes a nice little bonus.
    Well done writing the lessons, you seem happier in this job and are edging towards a better work / life balance.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • savingwannabe
    savingwannabe Posts: 16,619 Forumite
    Part of the Furniture 10,000 Posts
    edited 2 August 2022 at 6:17PM
    Thanks ladies, yes i have one water butt. I wont be here as i will be visiting my parents in two days so wont mind too  much about the ban! MF Andy explained as i didnt realise my wages have gone up by £30 a month. That is a lot more than i expected. lol I did a 3 mile walk this morning and am tired. I think my clothes are getting looser but much  more needs doing. I have done a few hours of lesson prep today. 

    I am going to put a huge pile of books into a pile ready to give to charity and will drop them off via taxi when i catch train later in the week. That's a bit of decluttering done! I have done a money calculator thing of what will happen to my bill for gas/electric, it looks like it will go up by almost £100 a month from October, we will get some extra money from work but i am not sure when.

    (I will make sure i only save for xmas presents and buy nothing else apart from food from Oct onwards). 

    Aiming for a minimal spend 2022
  • Skint_yet_Again
    Skint_yet_Again Posts: 8,450 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!
    edited 2 August 2022 at 1:43PM
    Well done on decluttering and walking. At least it’s a bit cooler here this morning but the afternoons have been v hot ☀️

    Have a lovely time at your parents 
    0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
    House sale OCT 2022 = NOW MORTGAGE FREE 🤗
    House purchase completed FEB 2023 🥳🍾 Left work. 🤗

    Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).

    Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1

    Living off savings diary
    https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p1
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Have a lovely time and leave the work at home!
    Mortgage started 2020, aiming to clear 31/12/2029.
  • savingwannabe
    savingwannabe Posts: 16,619 Forumite
    Part of the Furniture 10,000 Posts
    Im taking some with me in case i get bored! Back in over a week! Happy summer everyone. ps. I have £400 till end of August, i will try to make it last!
    Aiming for a minimal spend 2022
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Have a wonderful time x
    Mortgage started 2020, aiming to clear 31/12/2029.
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