Young And Dumb

Mx_Emmin

Another payday goes by. My DD's wont go out for a few days so I don't have an update on my debt pay down yet. This should be the moneth that my debt dips below £1000 though.

I am kinda proud that I managed to make it through the month on so little grocery budget. I'm hoping I can pare down my budget a little more. Although my aunt pointed out if I divide £150 by 4.5 weeks that's £33 pw, which isn't that much. I am looking forward to my bbq beef wraps tonight though.

I bought one of those S.A.D lights and am hanging it on the wall. Hopefully it will help. Flipping bright enough.

I'm trying to arrange a trip to Manchester to meet one of my friends from before, but there's a lot of moving parts. They have a young one. I can't drive. All the fun stuff. Nottingham to Manchester by public transport (including my trip to the train station) is 2 1/2 hours.

Mx_Emmin

I've started buying Christmas presents, so now I'm in an annoying and confusing phase where the money I set aside for Christmas was in a seperate account without a card, so I'm buying from my main account. In the next few weeks the account will mature and I'll close it and all the money will coalesce and it'll be easier. Mathmatically, I'll lose out on a little interest by closing this account - but we are talking pennies, maybe a pound if I'm lucky, for an amount of confusing overhead.

I got the first few chapters of that Financial Advisor book. I was going to order it through the Financial Advisor at work but when he called up to order it he was told he could print it off for free. So we're going to be using a lot of paper at work and I'm buying a Christmas sweater haha... first chapter of the next 3-5 years of my life.

enthusiasticsaver

Sounds like your month has gone well and it will be great to see the debt dip below £1k. Good news on getting the first chapters of FA book for free. I thought about being an FA many moons ago after training and working as a debt counsellor. Hope you enjoy it.

Mx_Emmin

enthusiasticsaver wrote: »

Sounds like your month has gone well and it will be great to see the debt dip below £1k. Good news on getting the first chapters of FA book for free. I thought about being an FA many moons ago after training and working as a debt counsellor. Hope you enjoy it.

I should be able to get all of it for free, we just decided not to print it all in one day :P

I can wait for my DD to go out this month, itll be a good feeling

Mx_Emmin

A lot of my Amazon parcels for Christmas arrived. Except for one item which is marked as arrived with the other items but when I opened the box it wasnt included. So they're sending a refund my way. Dog toothpaste, of all things. Not that I'm rushing to get into that particular struggle with my furry friend.

Been struck w a leurgy so spent my sunday dozing on the couch under my half-finished crochet blanket

It's a pride blanket that's going to be about double duvet size when it's done, but it's taking me forever because people keep getting pregnant and I pause do to baby blankets

Also, I'm kinda relatively new to these and this is literally the first project I did (i dont have a good sense of proportion sometimes)

Mx_Emmin

My laptop isnt charging

Well I guess I am getting a new laptop at Christmas, so, timing could be worse

But I wish it'd wait a month

I've ordered a new laptop charger on same day delivery. Fingers crossed that's the issue, or it will be a long month.

If it works this evening I'll do a longer post with my numbers for the month on. My spreadsheet is on the laptop.

Edit: I'm dumb. I asked for same day evening delivery but I'm out this evening. Idjit.

Mx_Emmin

Got my laptop working! At ten to eleven, with work tomorrow, sigh...

I'll make it brief, just the numbers, will have to leave the emotions for tomorrow **tucks away my oscar speech**

End of November Update (also doubles as Start of December Update... I haen't set a fixed date for when I do these)

Offical Savings Pots (kept in thier own seperate bank accounts)
Emergency Savings - £1050.61
H2B ISA - £474.81
Monthly Saver - £125.00 - this has gone a bit wonky: this was meant to be a Christmas savings, but it doesn't have a card, so I've been buying Christmas presents from my current account. Before my next paycheck I will close this account and merge it into my current account, it's more hassle than it's worth. My "Christmas Savings" category on YNAB only has £50.99 left in after buying Christmas presents.
Pride Savings - £40.00
Total - £1690.42

Other Small Savings Funds (kept in current account)
Dad's Birthday - £75.00
YNAB - £25.74 (there was some left over)
Divorce - £166.68
Total - £267.42

Debts
Red Card - £86.33
Black Card - £891.44
Total - £977.77

My debt has dipped below £1000!!! :beer: _party_ :beer: _party_

My debt PAYMENT also dipped below £100 this month - last month I was paying off the last of the Argos card, and the Black Card's minimum is subtly decreasing as I go along. I put £98.13 towards debt payment this month and my overall debt thermometer says I'm 40% of the way to being debt free. Last month my debt payment was £113.38.

Mx_Emmin

I got the years interest on the savings account I was using as a Christmas savings today

£1.71

Yeah thats not worth the mental overhead

Social funds are running tight this pay-month with all the Christmas stuff going on, and I've managed to flipping double book my trip to Manchester to see a friend with the works Christmas, which is a massive problem I need to sort tomorrow

I've put a deposit down on the work Christmas do and I dont want to miss that
But the only other time I can go see him is this weekend, and I dont know if hes busy now

GAH!!!

Mx_Emmin

So I closed the everyday account I wasnt using, my "Christmas savings" account and my "pride savings" accounts

I am still saving/spending for those goals, I'm just tracking the money through YNAB rather than have all the different accounts

I also put a closing block on my red credit card, which means I cant physically spend from it now, and it'll close automatically after my next DD pays it off

The morning after I did all that, I noticed a fraud transaction on my remaining Santander current account card

I called up and got that blocked and reissued, but until it arrives I have some enforced no-spend days which gives time for my transactions to clear I guess

If I was desperate for something, I still have my barclays card, and my account isnt blocked at all (just the card) so I can transfer money to Barclays if I need to

Also, it turned out my friend ALSO double booked the Manchester visit so I feel less guilty and we rearranged for January, which is financially better for me

I'm going to be needing to dip into my Emergency fund the week after next. I've got to go to my Nan's funeral. It wont be much, maybe £50 total for travel. It was kind of by surprise, but also a long time coming. She's been in care homes on end of life packages for years, and this summer we were told to say goodbye, but she rallied. Until suddenly she didnt.

But onto happier stuff. I have a crochet dilemma. I've working on this Pride blanket for over a year but I'm still agonising over the temperature blanket: yea or nay thing

I really really want to do a temp blanket in 2020, which I think I told you already? You assign a colour to a temperature, then each day do a row in the temperature for that day. Do that for a year and you end up with an asymmetrical gradient that's so pretty

But it would cause more significant delays to my Pride blanket

And the clock on the decision is ticking

I need to decide which blanket I'd enjoy more and I have about two weeks to commit to a decision, allowing for posting time of the wool

It's the temp blanket, plus another baby blanket for another colleague, which is on a deadline, plus a full time job, plus the pride blanket... which I've been working on since November 2018 and I'm hesitant to delay again

But what would annoy me more? Another delay to an already long overdue project? Or my first temp blanket being in an odd year?

If I dont start the temp blanket in January, I won't do it until 2021, which is an icky year

If I do start the temp blanket in January, I wont be able to do much of the Pride blanket until after the baby blanket is done.

db2016

on the laptop front - from a techy guy.



a PC would be much cheaper for gaming - if you ever play the next few years games and it doesnt cut it, then just upgrade ONE part, probably graphics card or the RAM. much more easy than a laptop which tends to be "stuck" in the spec it comes with (or more expensive to upgrade say HDD or RAM in them).

also, dont panic buy coz of brexit.

it's just like the millennium bug all over again. yes it will matter on some level, but i'm sure the companies that supply us have the planning sorted, so i wouldnt micromanage.