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Working the numbers 2019 style

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  • mark55man
    mark55man Posts: 8,215 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Not sure - a monthly bash feels like a bit long, but TBH will probably take a couple of months before I have got it back to how I want it and to model the targets I have set. I do get your point - for me almost everything automatic is in the last week and first week of the months

    Also I have one night a week away from home and was looking to use that to get into a bit of a routine of keep fit at the gym, then updating things whilst stuck at the hotel - not because I'm any busier on these days its just the office is much further away with some nasty traffic
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • I look forward to watching your progress
    It might work better for me in the near future as I will be moving and hubby has just retired
    Do you keep each receipt and pop them all onto the spread sheet to see the higher spending categories

    Oh and don't worry about those that are less than kind helpful etc ove an SOA it's your money and you are sorting it
    This is your space there are plenty that maybe able to be of help

    H
    Emergency fund £10,000
    Several categories with savings in
    Cars, house maintenance, birthdays
    Etc I have about 10 categories

    Really happy to be debt free after being a compulsive spender
  • Happy new diary, mark88man, and good luck with your challenges.

    Publishing SOAs is a very personal thing, have never published mine but I do know the numbers.
  • mark55man
    mark55man Posts: 8,215 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Thank you - I will be after help - in my head I see sorting out the SOA one section at a time after removing the obvious warts. But yes RedoFS it is a bit personal and I need to work on that

    Spendy day today - round trip to the seaside to drop DD2 back at Uni, including mandatory farewell dinner (@Nandos this time) and shop at nearby supermarket - where I got 6 workshirts for £42 - I would normally get 5 for £100 - I don't know if that's a spend or a save - However its still 2018 so I won't sweat it

    Petrol + Meal + Shopping = £238 coming out of January money so maybe should sweat it a little!! but DD2 is working 2 long early shifts at said supermarket so she is paying her way as best she can so not begrudged
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • mark55man
    mark55man Posts: 8,215 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    edited 27 December 2018 at 9:03PM
    On the long trip spent lot of time talking to OH with DD2 in the back listening to her music. So made a couple of extra decisions more on food and health
    • <TBD5> - 3 vegetarian days a week one proper vegan (AF)
    • <TBD6> - No alcohol purchases this year
    No alcohol purchases for 2019 will be made easier by the huge proprtion of everyone's presents that were alcohol. We're not a heavy drinking family (at least I thought so before xmas day), but lets say I now have doubled up to
    • 18 bottles of wine
    • 32 bottles of beer
    • about 5 bottles of spirits - new and from previous years
    That should be enough for a unit or two most weekends through to 2020. I'mnot going teetotal, just trying to avoid buying any - I will probably fail at work as we sometimes have to entertain in the evening - but if its not coming out of my bank account I can live with it
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • I love your targets Mark, something to aim for is great incentive. I just started my 2019 diary too. Once I’m all sorted with a job this Jan I look forward to adding more targets to mine :j
    Total debt 12/18 £9365.74 | Now: DEBT FREE
    House Deposit 11/21 £11,192 | Need £25k
  • mark55man
    mark55man Posts: 8,215 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Why thank you - I'll pop along and have a look at your diary.


    I think I have enough targets for now - need to stop talking about them and start doing them
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • Thought I'd pop along and look at your diary after you commented (very helpfully) on mine. Definitely a lot of similarities, I'll be subscribing :-)

    Your targets look great, good luck!
    DFD March 2025 (£35000 paid off)
    FFEF £10000/20000 saved
  • Hi mark 88,

    Good to see you've got your own diary and fab targets! I love a good list and think it helps you focus.

    I'm not sure if you've heard about receipt hog? It's a free app that collects your shopping receipts (and no doubt sells your anon info for vast amounts of money) but it rewards you with coins that can be exchanged for vouchers or Paypal credit. I joined mid November and have just hit £3's worth. It's very slow going until you level up, so I'm sticking it out as nothing better to do!
    My kids are complete wombles and will collect any receipt they see :D I'm going to see how we get on a d save amazon vouchers for next Christmas.
    Finally Debt Free 24/4/2023 
  • mark55man
    mark55man Posts: 8,215 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I'll have a look thanks - I like a good App. do you know can you run it on 2 phones -ie me and OH so we can do it at the till rather than later
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
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