Wobbling my way out of debt

findingthisdifficult

enthusiasticsaver said:

Well done on getting into the £3k bracket with the loan.  Only 8 payments to go now.  Totally agree with the parasol purchase.  It is scorching hot out there so it will be useful and is necessary.  Hopefully you did not buy it on a credit card though. 

Thank you @enthusiasticsaver - I'm not enjoying the heat, it is too hot for me at the moment.  Grateful for the parasol  definitely not on the credit card, satisfyingly paid for with my own money 

findingthisdifficult

missymoo81 said:

Yay well done on braking into the 3’s must feel like you’re so close now!

Thanks @missymoo81 it's a funny place to be in, so close yet so far!  It's exciting in the sense we've never got this close before but also feels like it will never happen.

findingthisdifficult

Random musings for today....isn't is such a worry when you have money in your account and you're not really sure why you have that amount left?  My only concern is what have I forgotten to pay?  Or is it just that I'm not going anywhere and wasting money on top up shops or random stuff I don't 'need'

findingthisdifficult

So, just spontaneously decided it's time to start building my Christmas (sorry, I know it's only June!!) pot so I've transferred £100 to one of my dormant accounts (normally used for weekends away/hols etc...clearly not having any of those)
Fingers crossed I won't regret that but easy enough to get the money back to my spends account if I need to. 

IrishSean

findingthisdifficult said:

So, just spontaneously decided it's time to start building my Christmas (sorry, I know it's only June!!) pot so I've transferred £100 to one of my dormant accounts (normally used for weekends away/hols etc...clearly not having any of those)
Fingers crossed I won't regret that but easy enough to get the money back to my spends account if I need to. 

Not at all; mines scheduled to begin in July. You've a months head start on me on that Christmas saving😂🎅👌

That aside, my Mrs is hoping we can still get to RoI for a week (we live north); if so it'll nibble a fair bit into my savings schedule but better than having or building the 5 figure debts again

XSpender

findingthisdifficult said:

So, just spontaneously decided it's time to start building my Christmas (sorry, I know it's only June!!) pot so I've transferred £100 to one of my dormant accounts (normally used for weekends away/hols etc...clearly not having any of those)
Fingers crossed I won't regret that but easy enough to get the money back to my spends account if I need to. 

I’m starting my Christmas sinking fund next month when I should be back to work.  DH and DS are having a PS5 to share so I need to get saving pronto.

enthusiasticsaver

I start saving for Xmas in June too. January to June is usually holidays and June to December Xmas. As all our holidays have been moved to 2021 because of the virus that will look healthy. 

enthusiasticsaver

findingthisdifficult said:

Random musings for today....isn't is such a worry when you have money in your account and you're not really sure why you have that amount left?  My only concern is what have I forgotten to pay?  Or is it just that I'm not going anywhere and wasting money on top up shops or random stuff I don't 'need'

It is probably because there are less opportunities to spend. No coffee shops, restaurants etc open and if working from home you are not out so much. Less fuel used/ bus and train fares if working from home? Lots of people, us included have surpluses at the moment. Only if on full pay of course.

findingthisdifficult

Thanks for dropping in @IrishSean @Xspender @enthusiasticsaver
Ok I don't feel so bad now, usually I don't start saving until Sept/Oct which is generally ok but leaves me a bit tight on the last pay packet before Christmas so this year hopefully it won't feel so tight.

We've only just put fuel in the car last weekend, that was the first time since March - so definite savings there.  We've bought a few things online (treats and it was Mr FTD's birthday in May)  but nothing to crazy excess.  

It's nice to see savings building and debts going down, I wonder if anyone else has discovered that there are many things to do for free/very little cost that they wouldn't have realised if this pandemic hadn't hit. We've certainly discovered a couple of local walks that are beautiful and peaceful that perhaps we wouldn't have known about otherwise.

Right challenge for today - Father's Day gift for the Father-in-Law...this is no mean feat I can tell you

IrishSean

findingthisdifficult said:

Right challenge for today - Father's Day gift for the Father-in-Law...this is no mean feat I can tell you

I need a coffee maker to replace my old one that's not drawing the water thru anymore and is leaking; it was a dolce gusto; DW saw it reduced years ago (maybe 10!) reduced from £100 to £50 and she had £40 in tesco vouchers so that wee machine has got me up and at the world for a decade for the equivalent of £1 a year😂😂 #bargainofthedecade

I need a big Tupperware for my homemade bread too; I'm making it easy for them! Will have to drop hints like mad on both items from now til the 20th tho or i'll end up with tat, lmao.