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Ongoing Journey to being a Frugalista..

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Comments

  • Thanks SSG.. how's things? I seem to be having a lot to do in RL, but less travel this week which is a real joy. Have also done 3 exercise classes this week which makes a change. When I am travelling it makes it so much harder and working out at home is always MUCH shorter and I never push myself as much. I occasionally do some press ups on a hotel floor (haha) but never for long (or very often!!) 

    In DF news it feels like its the long hard slog now. Getting a tad boring if I am honest. But we will get there and OH is as focussed as ever although I think a little weary of it as well. Its certainly not a linear path which he struggles with, he can only see the now, not the positive cash flow which is coming along. Which is a benefit in many ways as thats how YNAB works and helps change habits but on an emotional level it can be exhausting when its not going our way. We have a few upsides coming in soon to the account so that should help. Some FL work etc and we should be paid by  our lodger by the end of the week too. When he can see it and allocate it to the budget am sure he will feel less anxious.

    Hope everyone has a good day and its not too cold where you are

    x
  • PurpleFairy26
    PurpleFairy26 Posts: 3,903 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    edited 26 February 2020 at 10:22AM
    I can sympathise with the getting a tad boring, feels like a slog at times here too. 

    Take all the small wins though and know it’ll be worth it in the long run. 

    I’ve joined YN AB. Looking forward to being paid this week so I can allocate funds. 
  • I found the worst time when debt busting was mid-month till the next pay day. It was always quite exciting when paid as I would update my snowball calculator and YNAB categories. Then there would be the mid - month lull when there would be nothing really positive to update and I was just carrying out the hard slog of making sure I didn't overspend on the budget categories!

    You've both just paid off a big frog in grand style. Remind him of this to cheer him up,😁
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
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    RETIRED: MAY 2021!!!!😀🎆
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  • Suffolk_lass
    Suffolk_lass Posts: 10,451 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I have been known to change payment dates so that there are still bits to tidy throughout the 'deadzone" of mid month to the end of the month when more money arrives, but I agree, it is that drossy part of almost complete inactivity
    Save £12k in 2025 #2 I am at £10,020.92 out of £6000 after September
    OS Grocery Challenge in 2025 I am at £2234.63/£3000 or 74.49% of my annual spend so far (not going to be much of a Christmas at this rate as no spare after 9 months!
    I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
    My new diary is here
  • brizzlegirl
    brizzlegirl Posts: 1,261 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    I can sympathise with the getting a tad boring, feels like a slog at times here too. 

    Take all the small wins though and know it’ll be worth it in the long run. 

    I’ve joined YN AB. Looking forward to being paid this week so I can allocate funds. 
    Ooh, visitors. I think I have inadvertently switched off the notifications and so I didn't realise...doh!

    Another YNAB member!! Thats fab. Its fairly obsessive here. OH updates a minimum of twice a day..including re-budgeting so its never red....

    Thanks. Yes small victories will get us there...going for a run soon. It may rain but sod it. I need to get moving. Did a class yesterday and it felt good.
  • brizzlegirl
    brizzlegirl Posts: 1,261 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    I found the worst time when debt busting was mid-month till the next pay day. It was always quite exciting when paid as I would update my snowball calculator and YNAB categories. Then there would be the mid - month lull when there would be nothing really positive to update and I was just carrying out the hard slog of making sure I didn't overspend on the budget categories!

    You've both just paid off a big frog in grand style. Remind him of this to cheer him up,😁
    Wise words SSG. Its the mid month lull when I start to wobble and thats when the 'oh s*d it' moments happen. I will remind him of that. Thank you xx
  • greent
    greent Posts: 10,833 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    All sounds good, brizzle :)

    I'm guessing that your paying the semester's accom costs out of monthly cashflow in one lump? If so, maybe when CC2 has gone you could do a monthly amount to a separate account going forward. We do this on a year-round basis (so take the accom costs and divide by 9 but pay in for 12 months) so there's excess in there in case some uni-related disaster happens - their phone/ laptop needs replacing, they need an injection of funds for whatever reason. We have quite a nice 'surplus' in ours at the mo of around £4k which we're not expecting to use this academic year (having taken into account post Easter accom costs)- but if DS1 stays on for an extra post grad degree he won't be eligible for as much finance, so we'd need to top up a very large amount.. (sob)... so it's staying put at the mo.... sigh
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    Net sales 2024: £20
  • dangers
    dangers Posts: 1,457 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Brizzle, just popping in to say you may want to have a word with your DD about when her first instalment is due for the new place. My ds in yr2 paid in September so it was a bit of a shock to have to find a chunk of money in July for his 3rd year. Upside is that I should get it back in April when he gets his final maintenance loan payment.
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