Getting it together...one £ at a time!

[Deleted User]

You're doing so well, you should be proud of yourself!

Starmummy

What a fab debt slaying month HG.
You are smashing that 10k target this year.

Homegrown0

teafor2 wrote: »

I love your monthly round up HG and how you set it out.

Those figures are brilliant. I really hope you don't get disheartened too much, you've done so well and you're already talking about lopping another £1k off in May. You're over the halfway mark so you're on the downward slope. And you're got holidays and house plans to look forward to as well which should keep you focused and motivated.

Have a great day. xx

I know, thanks for the comments Tea. I know we're doing well and we are well on the way, but those feelings of impatience are lurking around as always. I should check myself!

Moguline wrote: »

You're doing so well, you should be proud of yourself!

Thanks Moguline - I am proud of what we've achieved so far. Still a way to go, but I'm confident we'll get there!

Starmummy wrote: »

What a fab debt slaying month HG.
You are smashing that 10k target this year.

Thanks Starmummy, the first part of the year is always more lucrative for us, so we might be slowing down in the summer. But I'm glad to be a little ahead for right now to cover the months where there's less available cash to throw at debt.

doingitanyway

Great April scores on the door.
I think what you do brilliantly is reduce debt whilst still moving forward with other aims and quality of life issues. You will arrive at debt free being able to look back at achievements too. Well done you

Homegrown0

Thanks DIA - it's really important for me to have a balance between moving forward and clearing the debt of the past. I know i'd last a matter of days if we cut everything back indefinitely to get rid of the debt. I don't like to feel too hard done by

A friend of ours works for a butcher and had lots of meat that hadn't been purchased so it'd go to waste if it wasn't frozen so he brought some round and gave it to us. Our freezer is now full to the brim with burgers, really tasty, flavoursome burgers. That should keep us going for a while anyway! They're definitely not 5% fat burgers so not diet-friendly, but I can't turn away free, delicious butcher meat.

It has been very spendy over the last 24-hours, to the point I've had to transfer some money back from the savings to cover our spends. We just over-committed ourselves this month. It's been really busy. Last night i was out with friends for dinner and drinks which was lovely and tonight my husband is out for drinks with friends. It's just the way these things work out - a few days before pay day! Anyway, it's written off and we'll get back on track when I'm paid on Monday and things reset.

BabySteps234

Definitely you’re right. I went in really hard with a cut everything out plan and it actually made my husband ill! For the first time in his life he went really depressed- hard dealing with debts from the past but when both working full time and some it’s awful never feeling you have any reward or enjoyment.
We’ve still been paying debts off but not at the rate I was trying and also booked a summer holiday but throwing money at paying it off (where as before we would’ve whacked it on the never never!).
All things in moderation! Being aware and dealing with it is the main thing!

teafor2

Morning HG Just popping in to say hope all is well with you and the family and you're having a lovely Bank Holiday weekend. xx

kindofagilr

Homegrown0 wrote: »

Thanks DIA - it's really important for me to have a balance between moving forward and clearing the debt of the past. I know i'd last a matter of days if we cut everything back indefinitely to get rid of the debt. I don't like to feel too hard done by

I am the same, I cut back too much in the beginning then we ended up having a very big money splurge, so now I have found a nice balance instead xx

Homegrown0

Morning all! I hope everyone is well?

I've been really lax about keeping up to date in here and posting lately. It's not because money isn't on my mind - it absolutely is! - but work has been horrendously busy and that has taken over my thoughts both in and out of work. I'm hoping to get a bit more of a grip this weekend and get back to some semblance of mental normality soon.

Money
Not a lot has changed here since my April round up. My £50 DD for CC1 came out yesterday so that's another little portion cleared off. I'm now just a few £s off having paid £4k this year. I'd planned to pay another £200 into the CC this morning as per my monthly budget, but I've decided to pop it into the savings account instead.

We have just asked an architect and structural engineer to start working on drawings for the house work that we have planned and we've been advised by the builder to have £2-3k available for all of this work, including planning permission, building warrant (basically all of the above stuff). It gave me a short, sharp shock into thinking that we need to make sure that money is ready and available when we need it, and I don't know whether we'll be required to pay up front or as the process is concluded in the summer/ autumn. So I'm temporarily diverting all excess cash into the savings and then I can take a look as we go on and make some credit card overpayments if I feel like we can.

Just don't want to leave ourselves without, but i need to do a bit of a money recce first to see where we're at.

Holidays
7 weeks until our holidays and I have our spending money sitting there ready to go, but I need to consider other things that we need to buy before then. We all need some holiday clothes - not a full wardrobe each but each of us is lacking in something so I want to put some money aside for that. There's nowhere near enough money in the clothes/ gifts account to cover that so it'll come from savings/ spending account over the coming month.

Work
The less said about work the better really. Needless to say, it's been both busy with day to day work and stressful with an ongoing incident I'm managing. Could quite happily just pretend that work doesn't exist right now :rotfl:

Childcare
Trying to work out childcare for the summer holidays for my eldest and worked out that if i put him into his holiday club 5 days a week for the whole 7 weeks it'd be £980 :eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek:

Thankfully, i'm trying to balance it out with some days off here and there and a local sports camp that's half the price, and there's the odd day that family might be able to help etc. It's just such a ridiculous and stressful juggle! Can't even bare to think about how much it'll cost when they're both at school, although we'll probably just save a bit extra throughout the year for things like this since we won't have nursery fees to pay. Phew!

Days until pay day: 20
Days until holiday: 49
Childcare payments left: 14
Loan payments left: 8

Homegrown0

Jeez, i couldn't bear to see my 2019 total sit at £3,950.96 so of the £200 that i shifted to the savings account, i just took £50 back out to tip it over to £4,000.96. Feel a lot better now :j Round numbers are better!