The Spreadsheet Diva's MF Diary

Moneyfordreams

You are doing a fantastic job and caring for the people who need more around you. Take time for you too.
I use my emergency fund a bit like an overdraft, I know I shouldn't. Each month it gets topped up and I try to take less out , but it gives me the buffer for a family that likes to spring surprises on me. I believe that stabilises me not to panic.

We've had lots of financial disasters but now feel in a much better place. Its a great feeling not to have drowned over Christmas.

Be proud of yourself
xx

SueP19

Moneyfordreams wrote: »

You are doing a fantastic job and caring for the people who need more around you. Take time for you too.
I use my emergency fund a bit like an overdraft, I know I shouldn't. Each month it gets topped up and I try to take less out , but it gives me the buffer for a family that likes to spring surprises on me. I believe that stabilises me not to panic.

We've had lots of financial disasters but now feel in a much better place. Its a great feeling not to have drowned over Christmas.

Be proud of yourself
xx

Thanks MFD we seem to be on the same hymn sheet :rotfl::rotfl::rotfl:

I think that will be how I will run my emergency, as we both have as cast iron as you can get jobs and I have twice in the past been out of work but each time "got" job offers within days. I do have an od and have to say live in fear of it being pulled, coz that type of thing happens to me, so will be seeing at reducing it till it is gone, but that is a plan to orchestrate in February

DD just tugged the apron strings for £130 for fees, will get it back but my experience is that it doesn't always come as promised so have told her it can go towards my light fitments from N*xt

A_Frayed_Knot

SueP19 wrote: »

Thanks MFD we seem to be on the same hymn sheet :rotfl::rotfl::rotfl:

I think that will be how I will run my emergency, as we both have as cast iron as you can get jobs and I have twice in the past been out of work but each time "got" job offers within days. I do have an od and have to say live in fear of it being pulled, coz that type of thing happens to me, so will be seeing at reducing it till it is gone, but that is a plan to orchestrate in February

DD just tugged the apron strings for £130 for fees, will get it back but my experience is that it doesn't always come as promised so have told her it can go towards my light fitments from N*xt

Great idea, I do hope you get it back, remember this is time for you, now, I know you would never see anyone short.


I'm a bit like that too, but doesn't stop me thinking, if I got back everything everyone said they would pay back ....... Sometimes I play the poverty card, and say, well, I can only manage a £100 would that help? translating to ... well don't ask for any more cause that's it .. i'm now skint. Reminding them that they earn double what I do, in a nice way, of course.:)

SueP19

A_Frayed_Knot wrote: »

Great idea, I do hope you get it back, remember this is time for you, now, I know you would never see anyone short.


I'm a bit like that too, but doesn't stop me thinking, if I got back everything everyone said they would pay back ....... Sometimes I play the poverty card, and say, well, I can only manage a £100 would that help? translating to ... well don't ask for any more cause that's it .. i'm now skint. Reminding them that they earn double what I do, in a nice way, of course.:)

Will do

DD panicked over my car repairs and told me straight away she couldn't lend me any :rotfl::rotfl::rotfl::rotfl:..........I had to admit I had the money :eek: But I totally understand where you are coming from
OH was worried to and so relieved we had the dosh, maybe he is finally becoming money savvy :j one lives in hope

A_Frayed_Knot

SueP19 wrote: »

Will do

DD panicked over my car repairs and told me straight away she couldn't lend me any :rotfl::rotfl::rotfl::rotfl:..........I had to admit I had the money :eek: But I totally understand where you are coming from
OH was worried to and so relieved we had the dosh, maybe he is finally becoming money savvy :j one lives in hope

:rotfl::rotfl:Had a good laugh at that one :rotfl::rotfl:


You what ???:eek: admitted you had the money :eek::rotfl: I know its a great feeling to be able to say I've got it:j:j but look whats happened - be selective;) who you tell - mostly folk that will not ask for a loan;);)


Nice that DH was worried and bet that made you feel so good, to whisper "don't worry i've got it - but don't tell anyone:shhh::silenced::shhh:


:rotfl::rotfl:I'm still laughing at DD comment:rotfl::rotfl: Need to take a leaf out of her book:p

SueP19

:rotfl::rotfl::rotfl::rotfl: She asked for the loan prior to the car repair bill coming in but did follow her swift "I can't lend............" with a "you will still be able to let me have......."

That's why I am soooooo broke she has robbed me blind for years :eek::eek::eek:

I did get a questions from OH but fobbed it off with mutterings about savings *cough* *cough*

He is another one who does not need to know how much we have :silenced:..............because this is what he will do :EasterBun

greent

SueP19 wrote: »

He is another one who does not need to know how much we have :silenced:..............because this is what he will do :EasterBun

Buy mega loads of L1ndt bunnies????:D:p:D


x

SueP19

:rotfl::rotfl::rotfl::rotfl::rotfl::rotfl:

I've been itching to use that bunny

A_Frayed_Knot

Maybe this bunny - should be a squirrel (a secret saving one):rotfl:

Sorry:o SSS:A

misscousinitt

Hi Sue

Just thought I'd pop in to say Hi and very best of luck with your MFW plans.

You have been through so much, you really do deserve to succeed and you will - we are here for you to lean on and rant at when the going gets tough - we are thick skinned - we can take it lol.

You are doing brilliantly - keep it up.

MCI