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2019 Frugal Living Challenge
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Nearly payday. I've kept just within budget for groceries and well under budget for eating out. Have done a lot of overtime and will pay off £500 off my 0% credit card this month, leaving just under another 3k to go Have an occasion to get dressed up for soon, the perfect excuse to spend. I've bought my outfit from a charity shop... it is still great, and I'm matching it up with accessories I already own. Still doing lot's of overtime so next month should be good too, though I have to say I'm tired.0
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When I was paying of my loan last year, I did a lot of 6/7 day weeks. It's exhausting, so I feel your pain sinkorswim2018
Payday today. I saw it in with £1.77 in my account, so it couldn't come soon enough.
My budgets are organised and my money has been moved into the various pots.
I'm looking forward to a planned July0 -
Morning everyone ,
We moved into the house last Wednesday. All went smoothly. The whole experience was pretty stress free. During the whole process I think the most stressful time was getting enough overtime to ensure we had enough money to move and waiting to see if our mortgage application got approved.
We have managed to move with a small amount of savings left in the bank so I'm pleased about that.
Payday tomorrow so that money is going into the bills account for July.
Everyone is settling in well. Eldest started school on Monday and is enjoying his new school. Ds2 should start at his school part time in July and hopefully go full-time from September. (he has done reception class part time since last sept at his old school due to his additional needs and lack of funding) . The boys are going to different schools. We could of sent them to the same school but they both have different needs and enjoy different things so they have gone to schools more suited to each of them.
Everything is going well. I'm enjoying my job so everything is just lovely right now.
Have a great day all and stay frugal
Hugs to all those that need or want one xJune 17 £16,000 debt ~ nov 18 DEBT FREE •June 21 £16,308 debt / july 22 debt free •Original mortgage free date 01/06/2059 current mortgage free date 01/05/20460 -
Congratulations on the move, mumof3.12kindebt. It sounds like it went well. I hope you're all very happy in your new home.
sinkorswim2018 please leave some time for yourself. I understand how, when the overtime is available, it's tempting to work every hour God sends, but you do need to sleep, to rest and to do something enjoyable every day.
I'm very pleased tomorrow is payday. This month has been quite expensive for me. I have no idea where most of the money's gone, but my Money-to-Live-Off Account would be considerably overdrawn if I hadn't raided £100 from the car's Fuel Account at the start of last week. As it is, the closing balance is £3.60. I know some of it went on groceries - our Grocery Challenge Kitty (cash) is £22 in the red - but the rest of it? Just evaporated.
I'm not in debt - bar the mortgage - and I do have multiple savings pots, but they're all quarantined for their designated purposes and, therefore, not "mine".
- Pip
ETA: I've just checked and I've got £50 in my wallet. No idea where the rest went."Be the type of woman that when you get out of bed in the morning, the devil says 'Oh crap. She's up.'
It ain’t what you do, it’s the way that you do it - that’s what gets results!
2025 Fashion on the Ration Challenge 66 coupons - 39.5 spent.
4 - Thermal Socks from L!dl
4 - 1 pair "combinations" (Merino wool thermal top & leggings)
6 - Ukraine Forever Tartan Ruana wrap
22 - yarn
1.5 - sports bra
2 - leather wallet0 -
So it turns out the job I applied for a few weeks ago wasn't meant to be for a good reason
There are a few offices around home that I can walk, cycle or catch buses to - with no longer a commute time than my current office, but removing the reliance on my car as they're much closer. Of those there was 1 that I really wanted, but I was aware that vacancies there are few and far between. The one I applied for (and then withdrew after they reduced the hours) was the only one of the 5 I'd have considered that I haven't been loaned out to.
On Tuesday one of the chaps in my office asked if I'd seen a vacancy for the office in the next town up from home - which is the one I really wanted. He has a friend who wants to transfer into our office, and that friend is aware a couple of us want to transfer out to this specfic one - so he wanted to be sure we'd seen it.
I have alerts set up on the recruitment site to let me know when any of these offices post a vacancy, but for some reason I'd not had anything for this one. When I got home on Tuesday I checked the site, and there it was - from last Thursday! And it's the same number of hours in a week as I'm currently on. They only get left up for a few days, so I quickly submitted an application - and it wasn't on the list of vacancies any more when I got up on Wednesday mornings as it had timed out!!
As I'm on the same grade and hours I knew that meant I was through the first two 'rounds' (if someone on the same grade applies anyone on a different grade doesn't get, likewise with hours). So that left it down to time in service, and I had no idea who I was up against - but pretty certain there'd be someone with more than my 3 year and almost 8 months as it seems a lot of people want to get into this particular office!
I got a call while I was at work today to confirm they'd received and looked at my application, and check I was still interested. I got another call about an hour later to tell me the job is mine :T
Not sure when I'll make the move, but my current office has a maximum of 28 days to release me. And then my round-trip commute will drop from 22 miles in the car to 3.25 miles of walking, running or cycling
I'm not yet sure whether the fact it puts me close to another selection of shops is a good or bad thing :think:Cheryl0 -
Great news Cheryl! :j0
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Fantastic news, Cheryl. Congratulations!
- Pip"Be the type of woman that when you get out of bed in the morning, the devil says 'Oh crap. She's up.'
It ain’t what you do, it’s the way that you do it - that’s what gets results!
2025 Fashion on the Ration Challenge 66 coupons - 39.5 spent.
4 - Thermal Socks from L!dl
4 - 1 pair "combinations" (Merino wool thermal top & leggings)
6 - Ukraine Forever Tartan Ruana wrap
22 - yarn
1.5 - sports bra
2 - leather wallet0 -
Cheryl - Great news about the job.
Came under food budget again this month, which I am pleased about. Am putting my plan on hold to put my flat up for sale in July and looking for another place in new location, as I have a health issue that needs to be sorted out. Had an ultra sound scan which crossed off the thing I was dreading that I had. Found out what the issue is and being referred to a consultant to see what the options are, one being an operation. Need to have another blood test, as the last one was abnormal and high for one particular part. Hopefully I can move etc by the end of the year. Going to try and be really careful with spending. Have managed 24 NSD's this month. Written out a list of things that I need to do tomorrow, which include to renew my passport and subscription to the DBS update service. Am really happy as to what I have achieved in the first 6 months.Frugal Living Challenge 2025 Mortgage free as of 1st August 20130 -
Nooooo I bought 2 items online on 15th of this month. The website only offers 14 days returns (unlike most that offer 28 days) so I'm literally just days over the return period and of course both items have just been reduced by a £10 so I could have saved £20!!!
I'm so mad at myself for not being more patient I also feel a bit irked that it's literally like a day over my return period
This is where I feel like I should be stricter with myself0 -
Hello all. It's time for me to get back into this thread.
I went back to work after easter so have just had my second payday. It was such a struggle on sick pay especially when it ended.:rotfl: Anyway I have been watching loads of D@ve R@msey and reading threads to get me back into the swing.
It's been such a strange and stressful 12 months and has focused my mind on getting rid of the debt as quickly as I can. I also want to do it so I can build my emergency fund. I never want to be in this position again if and when my illness gets worse.
I'm having a massive declutter at the moment so hopefully I will find some stuff to sell. Oh the joys of eb@y :eek:.
It will be fun to see how little I can live on and how much can be paid off by December.
Have a great day.1 debt v's 100 days chapter 34: T3sco bank CC £250/£525.24 47.59%
[STRIKE]MBNA - [/STRIKE]GONE, [STRIKE]CAP ONE[/STRIKE] GONE, [STRIKE]YORKS BANK [/STRIKE]GONE, [STRIKE]VANQUIS[/STRIKE] GONE [STRIKE] TESCO - [/STRIKE], GONE
TSB CARD, TSB LOAN, LLOYDS. FIVE DOWN, THREE TO GO.0
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