Real Life, Dating and Money!

Littlebirdie

Hello,

So currently £24 is on my M0nzo card and my FD account is overdrawn by £19 - but I have cashed the cheque for £25. Soooo I'm hoping to maybe *just maybe* be in the positive this month! This is from transferring money and selling items so not really good. I do have to buy milk in a bit but I found a £1 :T it really is the little things :rotfl:

No dates coming up. Probably a good thing.

Bit annoyed about my counselling sessions - we only get 5 weeks of holiday a year so all the holiday I have booked before my initial assessment gets included so I've only got two weeks left. Hmmm I'm not happy. Anyway I have rung to complain so we will see as that means potential extra charges in the future...

Littlebirdie

Hello,

So the day before ayday I was grumpy as I had to go and buy some snacks from work to stop me snacking during the day. I was just in a grumpy mood and it was unnecessary. However I was on my way to work and didn't I find like £2.20 on the floor :T these days you never see money on the floor so was pretty chuffed!

Determined to spend this month within budget. I also have some extra money as I sold something on eb@y which is a help.

I have had a little payday splurge and bough something for the house (£8) and then something for holiday next month which I am hoping to keep for years (£17.60). I went via top cash back and not only got c@shback from using the site but they are giving an extra £3 for anything over £5 so thats good.

So this month I really want to try and avoid my lots of mini spendings!

Oh I also made a timeline for my creditcard - basically I think I should try and pay off £105 a month until January. Actually just thinking would I be better to put the money into my LISA? (Currenytly only putting in £60 as the rest is going to counselling) but next month getting a payrise so all the extra money will go inot my LISA. I wonder if that would be more sensible and then whatever money I earn from my second job can go onto the credit card? Well I need to keep paying £105 until October as thats when all my extra spends will be paid for (trainers, suitcase etc etc) then in Nov I'll be back just paying for Laptop and Phone when it will be down to £638 :j .

So that's all from me..let the next month start!

Littlebirdie

So my counsellor was sick so that means I'm only seeing her once this month so that means I only spent £35 on counselling this month :j
I immediately put a one off payment into my Skipt0n LISA account so I don't spend it. I did think about putting the money back into my gift account (I used the amount last month as I started counselling after I paid into my LISA) but meh I thought my savings is more important. So I'm a few pounds off the £5000 mark in my ISA :j That is SUCH a mile stone and it feel like I have got there quickly but in reality its like 2 years. I worked out it is another 4 years until I get to £15000 (baring in mind I pay £200 a month)...I just need to keep going! Who knows where I will be then. So it feels so much better having paid in £165 rather than just £60. I've realised putting money towards this account is so important for my wellbeing.

Keep going!

Oh my credit card is below the £1000 mark again :j

Littlebirdie

So I'm starting to feel more positive which is good!

Hoping to be on budget this week with food.

Going to put a dish in the slow cooker for dinner this week. Summer cooking isn't really my fav to be honest - I much prefer winter. Easier for batch cooking.

Had a really good weekend, like that I will remember forever.Spent £21 on alcohol which wasn't too bad at all. I've just remembered that this month I've reduced my weekend spending to £30 rather than £50 which should be grand as nothing too big this month. In fact quite a few fun things planned this month which shouldn't cost an arm and a leg.

Have money dribbling in from T0P C@sh back which I'm putting into a savings account.

So that's it. It's nice to be feeling positive again

Littlebirdie

Nothing really to report.

Was away on the weekend so didn't have time to get my food shop so I've been very unorganised! Next week will be better.

Had an offer on my ebay item but it was WAY TOO low so I refused it - it's too nice and I'm going to stay adamant with this one.

Continuing to organise work with the second job - if everyone turns up £90 earnt ..gotta start somewhere!

Will have a weekend of cooking for lunch and freezer options

Littlebirdie

Hello,

So three social activites in the next few days...one of them I'm going to mention I am skint! I'm really not feeling meeting up with people at the minute.

This week I have pretty much lived on ready meals and sandwiches which I have bought every day. I RARELY have those weeks so I'm not going to dwel on it too much.

Having to dosh out money for the holiday next month which is annoying but hey ho.

Will make some nice slow cooker meals over the weekend - found some inspiration which is nice so I'll be trying something new. I'm not going to make an effort with my lunch this week...need to look aftermyself.

Littlebirdie

So I'm starting to feel a little more motivated.
It's ~ six months until Christmas and I've decided I want to get into the new year in a different head space that I am in now and that takes planning so I've got goals again :j

I've some money in an account abroad which is dormant so I've written to enquire about that. It's ~ 137 euros so I'm not too sure what the best thing to do is in terms of getting the money as I have no plans in going to that country. I might look into getting it transferred into a friends account and then getting it another time. Perhaps I should use that money when I go abroad in Oct.

I've restarted my second job and now I have my new laptop gosh it makes life so much easier! My goal is to earn £300 in the November pay... I reckon I can do it.

I also want to look at my wardrobe - I want to sell my old dresses and get new ones in..that work in progress. I've got a few hen dos and holidays coming up so I need to be mindful of that.

I also want to say fit but that is a thing I'm always striving to achieve.

I've set up my M0nz0 account to round up all my payments to the nearest pount and put it into a pot....I'm excoted about that.

I REALLY want a new electric toothbrush (silly I know) but one that tells you when you a pressing too hard on your gums.. they are ~£40 at boots and I have this thing that as it is a luxry I have to buy it with my b00ts points...I currently have £28 so a long way to go but we could say over half way.

Annoyingly I had to buy new sandles last night as the place I was going didnt accept flip flops :mad: so that was £ 20 spent but £8 I still had left over from my clothes and shoes budget.

I do have a friends bday this month but well that present is just going to have to be late and come out of next months birthday budget. I'm a bit cross that account looked so healthy not so long ago.

In the next few months there is going to be some changes with my finaces with the pay increase although I may not see the benefits with all the holidays/counselling I have but as long as I stay aware and accountable I think I will be ok.

I've got a date/meetup on Thursday ...not so sure so we shall see.

Okay lets do this :beer:

Littlebirdie

Messaged my friend to tell her I was skint and luckily she was in the same position so I am cooking dinner instead which is nice. So that will save money which is good and it will all be l1dl so cheap as chips....aiming to get the whole meal in under a tenner...I recon I can do.

I'm feeling really motivated to get myself in a good finicial position...

Littlebirdie

So scrimping with money...

With £20.69 left and when my trvael comes out, it leave ~ £13. This will cover when my friend comes over. Get paid on Tuesday so I am going to have to go overdrawn. I am £4 overdrawn already so I reckon I am going to have to go a further £10 and then do a food shop on Tue night...

I'll just have to buy single fruit to keep the cost down..

No freezer meals either annoyingly.

I will scrimp by!

jvr

Hi


Just caught up on your diary as I've been a bit absent this year.... how are you doing?