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PositiveBalance's Positive Postings on the Path to Paying off Peter & Paul and...

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  • PositiveBalance
    PositiveBalance Posts: 1,268 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper Combo Breaker
    Hello all,

    Still in study hell hence lack of updates. Can't seem to bring myself to do any studying, though. Hmm...

    Car insurance renewed for another year. It's an absolute fortune!!! Managed to pay it all off in cash, though. Need to swing plans into place.

    Karma happened to me today: broke a £10 to buy a £1 bar of chocolate at work (happily a very rare occasion) and got £5 note plus 2 x £2 change so I've had to put the £2s into the terrimundi meaning that the chocolate effectively cost me £5! :rotfl: :eek:

    Spends yesterday:

    £21 birthday meal for close relative

    Spends today:

    £41.00 petrol
    £3.25 naughty junk food
    £15.00 present for college teacher mostly not my money)
    £5.00 frivolous but pretty notebook :) :mad:

    I've missed some days but that's all for now. I'll have to come back with the rest when I've actually got some proper time.

    Hope you are all well. x
    Debt: £11,640.02 paid in full! DFD: 30/06/20
    Starter Emergency Fund (#187): £1000/£1000
    3 month Emergency Fund (#45): £3300/£3300
  • PositiveBalance
    PositiveBalance Posts: 1,268 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper Combo Breaker
    Sooo yesterday:

    £6.50 yoga (worth it, if for no other reason than stopping me feeling twice as bad as I did last night when I go back next week...stopping is terrible!)
    £1.00 book from book exchange.

    Hope y'all well. Back soon. xxx
    Debt: £11,640.02 paid in full! DFD: 30/06/20
    Starter Emergency Fund (#187): £1000/£1000
    3 month Emergency Fund (#45): £3300/£3300
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    This really does sound like study hell - I hope its soon over. Good to hear you're taking care of yourself with yoga as well as chocolate :)
    2023: the year I get to buy a car
  • PositiveBalance
    PositiveBalance Posts: 1,268 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper Combo Breaker
    Thanks KC! :)

    I've been gone for ages. Several things have been happening.

    1) Still in study hell. Submitted an assignment but my get-up-and-go has gone on vacation.

    2) Think I have spent a bit more than I should. Will have to check fully once study hell is over. It's not the end of the world, but not great, either.

    3) Get a bonus from work this month and apparently a (small) pay rise a bit later on in the year. I'm not sure how much, though, but it will help.

    4) I downloaded the trial version of YNAB. I'm not sure how much it will help me. Are any of you any good with it? I seem to plot my finances the other way round (not always) as overtime means what I come home with is different each month. Perhaps that's part of my problem? I'm learning to think a bit differently now, but not sure if I am doing it right. Slow and steady is better than not at all, but still...

    5) I messed around with the snowball calculator and if I pay £200pwm off my debt (not including house repairs) I will have 55 months (4.5 years) left to repay the debt! :eek: If I can pay £300 then it goes down to 37 months (3 years!), which is a fairly dramatic drop. It's still a staggering length of time, though, and assuming that I don't make any house repairs if my pay packet doesn't increase.

    6) I didn't get through to interview at the jobs I applied for. I'm not going to apply for any more until all the studying is out of the way.

    7) My house really needs work. Just the back garden etc. as I have been so busy this year. I've started, but it's going to take a lot. The grass is like cornfields it's so high! :eek:

    Hope you are all well. Nothing particularly debt-busty here but thought I would remind you I'm still alive.

    See you all soon.

    P.S. Please shout at me REALLY, REALLY loudly and longly to get my assignments done. Give my guilt-inducing lectures. Kick my backside into gear for me, please, even though I know it's not your jobs to do so!
    Debt: £11,640.02 paid in full! DFD: 30/06/20
    Starter Emergency Fund (#187): £1000/£1000
    3 month Emergency Fund (#45): £3300/£3300
  • edinburgher
    edinburgher Posts: 13,849 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Get your assignments done!!!
    Get your assignments done!!!
    Get your assignments done!!!
    Get your assignments done!!!
    Get your assignments done!!!
    Get your assignments done!!!
    Get your assignments done!!!
  • A_Frayed_Knot
    A_Frayed_Knot Posts: 3,308 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Photogenic
    edited 25 July 2016 at 9:07AM
    edinburgher wrote: »
    Get your assignments done!!!
    Get your assignments done!!!
    Get your assignments done!!!
    Get your assignments done!!!
    Get your assignments done!!!
    Get your assignments done!!!
    Get your assignments done!!!


    You will feel so much better once you make a start, then once completed, can focus on other projects:)

    Get your assignments done!!!
    Always have 00.00 at the end of your mortgage and one day it will all be 0's :dance:
    MF[STRIKE] March 2030[/STRIKE] Yes that does say 2030 :eek: Mortgage Free 21.12.18 _party_
    Now a Part Timer from 27.10.19
  • hiddenshadow
    hiddenshadow Posts: 2,525 Forumite
    PositiveBalance wrote: »
    4) I downloaded the trial version of YNAB. I'm not sure how much it will help me. Are any of you any good with it? I seem to plot my finances the other way round (not always) as overtime means what I come home with is different each month. Perhaps that's part of my problem? I'm learning to think a bit differently now, but not sure if I am doing it right. Slow and steady is better than not at all, but still...

    I love YNAB. :) Happy to answer any questions you have once you're done with study hell. Re: overtime I'd budget based on not having it and then add in the O/T amount once you know what it is (perhaps have it fund fun/luxury categories so that you know everything's covered without it and it's "treat" money?).

    To join in the chorus...

    Get your assignments done!
    Get your assignments done!
    Get your assignments done!
    Get your assignments done!
    Get your assignments done!
    Get your assignments done!
    Get your assignments done!
    Get your assignments done!
    Get your assignments done!
    Get your assignments done!
  • PositiveBalance
    PositiveBalance Posts: 1,268 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper Combo Breaker
    Thanks guys - I think I need that! :T
    Spends today and yesterday to soon be logged.

    I got my payslip for the month today - pleasantly surprised about paying less tax than before due to an unexpected change to my tax code. :T
    Debt: £11,640.02 paid in full! DFD: 30/06/20
    Starter Emergency Fund (#187): £1000/£1000
    3 month Emergency Fund (#45): £3300/£3300
  • hiddenshadow
    hiddenshadow Posts: 2,525 Forumite
    Yay for lower tax code!

    Are your assignments done? ;)
  • A_Frayed_Knot
    A_Frayed_Knot Posts: 3,308 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Photogenic
    hiddenshadow wrote: »
    Yay for lower tax code!

    Are your assignments done? ;)


    ;) Higher Tax Code = less tax paid :o
    Always have 00.00 at the end of your mortgage and one day it will all be 0's :dance:
    MF[STRIKE] March 2030[/STRIKE] Yes that does say 2030 :eek: Mortgage Free 21.12.18 _party_
    Now a Part Timer from 27.10.19
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