taking responsibilty to get me where I want to be

efes_shareholder

morning
pleasant surprise in this months wages that I have a 500 bonus. Usually its wage review this month but wasnt expecting that to happen due to current climate so think this is their way of giving us a little extra without the commitment of raising the salary.
to be honest for mortgage purposes I'd have rather had the rise but i'm not complaining , however if i'm griping then the tax man /NI and pension payment means I clear 60% of it which is slightly annoying and its not really a bonus , just the return of the days pay i lost when doing a 4 day week but ultimately still logging in and working however its better in my account then the companies
wasnt sure if i would be able to acheive all I wanted too in september with two trips away but with the extension of boris's deal at harvester and toby and the extra buffer hopefully I can pay the Very down , still make the tesco 200 payment I have been making  and put some away to get to that magic 7k before xmas.

efes_shareholder

just checking in before I go off on a short bank holiday break
Wages have landed and I shall watch it slowly diminish over the next few days as the direct debits get taken. Have made only one payment which is a bill which is due in the first month
Got my mobile phone bill , my call the other day has resulted in a saving of over 10pounds a month
Have a busy weekend , a group of us are travelling to the cost and staying for our friends birthday , it will probably result in copiuos amounts of alcohol , i've spent the day trying to get organised whilst also working , also managed to pick up her birthday present from its delivery point and get the car cleaned - thats a bit bizarre in this weather but when im going on a journey i like the interior to be as fresh as possible
I'm going to clear the boot of anything unnessercary and then get to the gym for an hour
and stop via work to put some rubbish in the skips there so kill two birds.
Did a 5k walk on weds evening and then did the gym last night so really trying to get back in the grove with the work outs as the post lock down my muscle definition was really starting to take shape.
Been very good on the calories too but i'm not brave enough to get on the scales.

lucielle

Have a great weekend
L

efes_shareholder

back from the weekend  - lots of it are very hazy as i drunk ALOT.
it was lovely to be with friends and a great time was had.
House has recieved its first offer , its up for 425k and the offer was 400k. I'd like a little more but I can work with that sum but the ex has refused it - i think realistically another 10k is feasible but not much more. I'm not getting much info or input , i asked to be told about viewings but when he messaged me and i told him this , i was then told there had been 4.
I don't think i'm going to get much input in fact its a struggle to get any !!!!

Kitten868

Anything you do will be wrong anyway so you're better off staying out of it. You know that better than me. Plus once its done you don't need to put up with this carp anymore. 
It'll be exciting once it gets set into motion! And you're making new plans. 
Glad your weekend was good xxxx

efes_shareholder

just back from a lovely visit to the south west , we drove so much - saw lands end , newquay, st ives , torquay , tintagel to name a few.
Money wise , the month is looking good. I had changed my credit card direct debit with the aim of getting rid of very once and for all but it looks like i should be able to clear the majority and reinstate my usual card payment however i'm going to bide my time until closer to the next pay day.
Back in the office on a rota from next week , really not looking forward to it but everyone else is doing it and we have been told it is a requirement so i guess the fuel costs will increase soon.
on the plus side it will mean I get in to a gym routine too.

efes_shareholder

Happy monday people
i'm in one of those strange moods which i don't understand but trying not to overthink things too much - usually its because somethings wrong and I dont know what yet.
Had a quiet chilled out weekend compared to the last two and kept the spends relatively low thankfully.
All bills have been cleared this month and I have a daily budget left of 30 pounds per day.
I'm working from home and aside from a tastecard dinner on thursday I have no big plans so hopefully stay on track.
My hair needs some drastic colour correction as wash in dyes are not fixing the covid hair ,  I get grey coverage within 2 -3 weeks so im considering lighting my shade and throwing in some highlights , its just stupid money so a bit of thought on that one.
Also need to cover new glasses as my perscription has changed and i now need varifocals. any suggestions of where to get these as i have the perscription so am a free agent

efes_shareholder

morning 
not much to report 
finances still in a good state , daily budget of around 35 pound until payday which i have no plans or need to spend right now.
I do have a nail appointment on Sunday and hair next week which really needs sorting out , I am hopeful I will be able to set this aside for the month and also have excess to throw at the debt , if i could still make the tesco payment up to 200 after paying a large lump of very that would be ideal - the other option is to clear the very and get rid of this one ( I have promised myself I will not use the BNPL again)
I also need to stop the little daily spends on the card which I do pay off in full come pay day - its really pointless and an old habit i need to shift as it just keeps the relationship open between myself and some kind of pay later. at the moment I have just 7.10 on it and thats only because I dropped NM at the train station for work and his oyster wouldnt work so i had to go back and rescue him as he had no means of payment on him and not enough time to go home for it. I have this money in my purse.
No news on the house , I bumped in to the ex at the local shops - he was waiting in the car for the mad GF so i took the oppurtunity to go over , he was very concerned she would come out and catch us talking so its looks like he isnt allowed to converse now !! anyway in the short time I had , we agreed what we are both happy to accept , there is an interested party but they have a property to sell. I also told him that it had been very difficult to obtain any information from him and this needed to change. lets see if it does!!! 

efes_shareholder

Good morning 
Well I've been back in the office for the 2nd day and am hoping that come tonight Boris will send me home again. I much prefer the freedom of working from home and was really tired when I got home last night. I went to bed pretty early with the intention of getting up to go to the gym but I was troubled with some really mashed up dreams so this didn't happen - I also had alarm clock failure and when I woke up at 6.15 it was too late to get in and also get to work for 8am.
I did go yesterday and managed a cardio workout though and also a big session on saturday when I think I pulled some muscles in my upper back.
Diet has been pretty on point but I am about 7lb up on my weight since lock down and I do want to get this rectified. 
Spending has been pretty low , DId need fuel now I am back to commuting journeys so topped up with forty pounds which I hope will see me through until payday next week. I'm really starting to feel nervous around getting these debts down for such time as the house is sold , Looking at my figures its feels like I've just stabilised my debt and spending but not ultimately reduced the debt - I am I think getting to that point now , on paper I can remove the debt with my savings now but that would leave nothing in my locker and the savings would take a long time to replace , As I'm not incurring any interest I am taking the route of reducing as much as possible each month until the house sells and then hopefully meeting half way and retaining some savings.
I want the house to sell but feel its gonna take a while , mainly due to his lack of effort in presentation but I have no power over that. Life is still as challenging at home , mum seems to do very little other then sit on the internet or watching TV eating - she really has some appetite. Off course this means that she is heavier to move around and her mobility is further impacted. I don't think she washes very often and shes dismissive of any suggestions to bring some brightness to her day. The house is always messy and her own personal mess is just left wherever , and highlights her lack of care for herself.
Shes still just as terrible with money and had none for the food shopping this week so had to use some gift card that she got through an insurance policy , I worry how she will manage when I have gone but there is little effort to improve her own situation and there seems an affilation with shopping looking at the parcels coming through the door. I think she has designs on selling up herself and going in to a flat which is possibly the best scenerio for her but no one will buy it in its current state and it would be an embarrassment to show people around and let them know you actually live like that and theres also the costs you need to cover before you move , such as removal fees etc which she wouldn't have considered. 
Oh well , I've long since decided I can't allow her circumstances to stop me living how I would like too - lockdown has given me a lot of time to think and putting others first has really not got me anywhere in the last 9 years. I put my children first with the house all those years ago but maybe I would be much more settled and content with life if I had managed to find a selfish streak too 

efes_shareholder

heading in to the weekend pretty healthy looking in the bank
I've set aside my hair money which I nearly cried over and still have 40 a day left until payday 
I'm no way going to spend that so anything left over is going to go toward debts , I've decided that the EF is pretty healthy right now so its best to hit the debt and leave the personal saving alone for the moment especially since the festive season is approaching. 
I've had a final refund of 50 from one of my cancelled events so that is also going towards the tesco card.
I am not back working from home despite Boris latest announcement , we are quite covid safe and have been in the office on a rota so this will continue for now - I don't mind too much but it will mean a rise in my travel expenses , planning on countering it with using my remaining holiday on days where I should be in the office.
Have a good weekend everyone