£15,000 to 0

Silver_Queen

lonelyrat wrote: »

Me too?! Mmmmmmh cheese

Love your round up/ plans for 2019. I am going to steal the idea and when I sit down and look at my debt/ get settled with the new job I'll do one too.

Massive well done on being under 10k! Fab news Very exciting news on moving in with OH... Mines a pain, but I couldn't imagine not living with him. It's definitely a good idea to live together before committing to a mortgage I would say! Annoying about the train ticket being more expensive. I currently pay £95ish a month, but when I move to England it will jump up to £150 :eek:

Holidays sound great :j

Glad you're back :j

I feel like I've been hovering around £10k for a long time! I swear I'll pay it off one day :rotfl:

My train fare is currently about £200 per month but when I move it'll be about £280!

lonelyrat

£280 a month! That's making my eyes water just thinking about it :eek:

Glad to be back! And you'll get there, we both will

EssexHebridean

Also happy to join any cheese eating parties!

Congratulations on your decision to move in with OH - good idea to have a decent time to plan it all properly as well!

Silver_Queen

All bills are now either paid or accounted for and I have £90 left across my accounts :j the Halifax should be paid off by DD at the end of the month (I can't make extra payments as the DD stays the same), the Amex I will pay off manually today.

11 days left until payday so that should be more than enough. I'm trying not to spend it all by the end of the month :rotfl:

I can't decide what to do with the extra money - either put in LISA or pay extra off the 0% card - so I think I'll sit on it for a couple of days whilst I'm deciding what to do.

Silver_Queen

Silver_Queen wrote: »

All bills are now either paid or accounted for and I have £90 left across my accounts :j the Halifax should be paid off by DD at the end of the month (I can't make extra payments as the DD stays the same), the Amex I will pay off manually today.

11 days left until payday so that should be more than enough. I'm trying not to spend it all by the end of the month :rotfl:

I can't decide what to do with the extra money - either put in LISA or pay extra off the 0% card - so I think I'll sit on it for a couple of days whilst I'm deciding what to do.

Decided to put £50 in my LISA :j

Silver_Queen

Oh dear, since I last posted I got invited to 3 nights out with friends I haven't seen for years...I now have £7 left of that £40 :rotfl:

7 days until payday and I'm limping along.

I've done pretty well with my freezer and cupboard challenge but my main problem was not accounting for my sister eating everything and then requiring feeding :rotfl:

Yesterday was tuna pasta bake using all ingredients that we already had, except cheese because I didn't fancy putting wensleydale with cranberry or stilton on tuna :rotfl:. There was loads leftover so that's also today's lunch and dinner!

Tomorrow will be a mystery because I'm really starting to struggle :rotfl: my sister bought some avocado and smoked salmon so it might be a smoked salmon salad for lunch, mystery for dinner!

Silver_Queen

Been thinking more and more about Brexit...

Unfortunately I work in a field that would be directly, heavily impacted by a no-deal Brexit (the negotiations and uncertainty alone have already had significant impact in the last two years). I've been saying for months that nobody would be stupid enough to agree to a no-deal Brexit but....

So I am a bit concerned that I could lose my job if no deal were to happen. If that happens, I should be able to find a new job relatively quickly but there's never any guarantees.

I'm trying to decide if I keep bullishly pressing ahead with putting as much as possible into my LISA to reap the benefits of the government bonus, or whether I should be holding back and putting more into my easy access savings account instead, in case the worst were to happen.

I'm fortunate in that, if I were to lose my job, I could stop paying rent for a while and could pretty much have my food and living expenses subsidised for me until I get back on my feet. I would also get redundancy, although it wouldn't be that much.

Part of me is telling myself to stop worrying so much and to get on as planned, the 25% bonus is a bit enough reward for it to be worth carrying on as I am.

Something to mull over.

EssexHebridean

If it were me I'd shove it into the easy access for now then move it across to the LISA in lumps as time moves on. Have you got a fairly good interest easy access savings account? That gives you the best of both worlds - if it reaches 1st April and you're still feeling that things are OK you can shovel a lump across to the LISA then, then review each 3 months or something like that?

WannabeFree

I have no idea but didn't want to read and run

x

ChasingSunshine

I agree with EH, hopefully by April we might have a little bit more of an idea what is going to happen and if things look ok you can transfer the money across pretty quickly before the end of the tax year. Of course if it's all a disaster you don't have money locked away you can't touch. Then review intermittently during the year as you get a feel for what will happen with work. Of course the transferring it across in April only really matters if you think you will max out the LISA next tax year so want to make the most of this years allowance and bonus.

Sorry rambling a little bit but essentially would hold off for a little while and see if the confusion starts to clear. You are lucky that you have support with living expenses but it is still nice to have some of your own money behind you if needed after a redundancy.