Journey to £0 by 2020, with a few bumps along the way

enthusiasticsaver

That is only £360 and if you add the £40 fuel that comes to £400. He has a massive spending problem if he can get through that in just over a week. Not your problem though and just be pleased you have separate finances. Sounds like he can't afford the gym membership. 

chelseablue

Totally! He's put more than £40 of petrol in since pay day, his brother lives about an hours drive away. I'd say he's done about £150 of petrol since he got paid in January. 
The next thing will be he'll want to go back to pooling our money...……...no thanks! 
£800 would last me about a year haha 

PurpleFairy26

You are doing very well sticking to your guns. I’m with you £800 - I’m not sure I spent that much last year 😜

chelseablue

Not much to report, 2 weeks until payday. 
Went to Superdrug in my lunch hour and spent £13, but I did get 4 items for that. I only buy cleanser, moisturiser, shampoo etc when the current ones Im using run out so all were needed purchases  
Then went to the toy shop as my son is invited to a classmates birthday party on Saturday so needed to buy a gift, got something for £3.75! Bargain! Never met her before so I don't feel too bad haha 

When I pick him up tonight we're going to the barbers as he needs a haircut, that'll be £9. Will use the joint money for that  

chelseablue

Had to spend some money on the house this week; 
£180 having part of the bathroom window replaced that had shattered 
£90 having the oven and extractor hood cleaned (extravagant I know but its only once a year)
£104 on buildings & contents insurance (I pay for the year in full) 

This has all come from my own money (except the insurance, husband pays his half to me monthly in the bills/food money). 
He's now run out of money until he gets paid on Tuesday. I know he'll ask me so I'll just point out I've spent over £300 on OUR house this week so no.
Hope the Bank of his Mum is open hahaha! 

chelseablue

Pay day has been and gone and all direct debits paid. Today I'm at:
Loan
£7,812
Savings
S&S ISA £7,620
Easy Access £5,205
Current Accounts
Halifax (Bills and Food) £281 
Nationwide (My money) £455

Bonus & pay rise letters are due to come to us tomorrow, hopefully I'm not too disappointed 

enthusiasticsaver

Those savings look healthy. Fingers crossed for good news tomorrow.

chelseablue

Had my letter, I'm getting a bonus of £2,200 (before tax unfortunately  ) that will be paid in the March payroll, so will get it on 31st March. 
My salary is being increased by £1,100 a year. Of course I've already worked out my new take home pay, should get an extra £60 a month 

Honeysucklelou2

That’s great...well done on getting your bonus and a pay rise.

chelseablue

Honeysucklelou2 said:

That’s great...well done on getting your bonus and a pay rise.

Thank you, of course I'm in 2 minds what to do with it. 
Would be a shame for it to disappear straight away, if I put it in my savings account would only push my debt free date back by about 3 months (as I've been paying off around £600 a month) 
If it was going to take years off I might be more tempted
Of course I could just quickly send it to the loan on the 31st and pretend I've never had it haha