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A Ditherer's Diary (again)

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Comments

  • Throughmyfingers
    Throughmyfingers Posts: 85 Forumite
    Third Anniversary 10 Posts Name Dropper Photogenic
    Hi there, I used to follow along a few years ago and have just made a return so nice to see you are back posting too!  You have made fantastic progress :) and congrats on the new office space!
    I am giving snoop a go too but it seems to be out of sync at the moment with my budget spends, either that or I have been even worse than I thought previously :D so I need to have a good look, also headed onto prolific this morning to get the surveys going again but I logged on today and as I haven't used my account in the last year its been deleted  :/ I have rejoined however I am now on a waiting list so fingers crossed!!  
    LBM Aug 25 - CC £14912 Other £19180
    CC1 - £2963 - now £2818.23

    My Diary: https://forums.moneysavingexpert.com/discussion/6624438/paying-off-no-27-back-again-and-34k-in-the-red#
  • Naomim
    Naomim Posts: 3,223 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Hey, welcome back! 

    Hopefully the waiting list for Prolific won't be too long.  I find the snopp budgets a bit off too but I think it's me not them and I haven't really done it properly. I like the "bills" section to really keep an eye on what's due to come out and have all my credit cards in one place to view.   I'm only using the free version, are you?
    Credit Cards NOV 2019 £33,220.42 Sept 2025 £16,515.00 Here's my diary: A Ditherer's Diary Again
  • Throughmyfingers
    Throughmyfingers Posts: 85 Forumite
    Third Anniversary 10 Posts Name Dropper Photogenic
    Thanks :) Yeah fingers crossed, it probably is user error on my part too lol and yes I am using the free, I am tempted to get back on YNAB I was by far my best when I was using that then was a little tight when the free trial was up and have unsuccessfully fudged it ever since  :D
    LBM Aug 25 - CC £14912 Other £19180
    CC1 - £2963 - now £2818.23

    My Diary: https://forums.moneysavingexpert.com/discussion/6624438/paying-off-no-27-back-again-and-34k-in-the-red#
  • Naomim
    Naomim Posts: 3,223 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I tried YNAB a couple of times but just couldn't get on with it. I think starting from a negative as so far in the overdraft wasn't helpful! 

    I had a good day today, met a friend after work. Had a pub dinner and I eked out a cider so I could drive home. £21 spent. 

    Otherwise, still in the middle of the month slump. I'm off work Friday to Tuesday to make the most of the long weekend. 
    Credit Cards NOV 2019 £33,220.42 Sept 2025 £16,515.00 Here's my diary: A Ditherer's Diary Again
  • KajiKita
    KajiKita Posts: 8,520 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Ooh, lovely long weekend 😊 Got any plans?

    Thanks for your thoughts on YNAB. Maybe that’s why I couldn’t get on with it as I initially looked at it when I was in debt too. 

    KK
    As at 15.10.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
    - OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
    Fixed rate 3.85% ends October 2030

    Read 60 books of target 52 in 2025, as @ 30th October 
    Produce tracker: £426 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • Naomim
    Naomim Posts: 3,223 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    YNAB was depressing as I had so many read categories. My budget really wasn't under control. 

    Friday I'm off to my cousins in Bognor Regis then I'm driving over to my friends in Portsmouth as it's her birthday. Saturday MrM and I are planning on clearing out the under stairs cupboard. We're hoping to go to the beach on Tuesday depending on the weather. 
    Credit Cards NOV 2019 £33,220.42 Sept 2025 £16,515.00 Here's my diary: A Ditherer's Diary Again
  • Naomim
    Naomim Posts: 3,223 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Morning, 

    Payday for me today. It's so early because of the bank holiday. I've shuffled it into a savings account and will move it back at the end of next week.  There's not really anything to come out of the account except for having to do a food shop at the weekend. 

    I need petrol today but there's funds in the Monzo pot to cover that.

    Off to Bognor shortly, need to get my bum in gear and get showered.
    Credit Cards NOV 2019 £33,220.42 Sept 2025 £16,515.00 Here's my diary: A Ditherer's Diary Again
  • KajiKita
    KajiKita Posts: 8,520 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Have fun! :)

    KK
    As at 15.10.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
    - OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
    Fixed rate 3.85% ends October 2030

    Read 60 books of target 52 in 2025, as @ 30th October 
    Produce tracker: £426 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • EssexHebridean
    EssexHebridean Posts: 24,756 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hurrah for paydays, even if you are dealing with a “Christmas pay trap” come early! Nice to know it’s there though - AND that it is safely stashed away to avoid temptation! 
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    Balance as at 31/08/25 = £ 95,450.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • Throughmyfingers
    Throughmyfingers Posts: 85 Forumite
    Third Anniversary 10 Posts Name Dropper Photogenic
    I am in the same payday boat! Have a lovely time in Bogner! x 
    LBM Aug 25 - CC £14912 Other £19180
    CC1 - £2963 - now £2818.23

    My Diary: https://forums.moneysavingexpert.com/discussion/6624438/paying-off-no-27-back-again-and-34k-in-the-red#
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