Young And Dumb

enthusiasticsaver

Congratulations on getting debt free and hope you enjoy the whiskey.  Have you posted on the debt free roll of honour thread?

enthusiasticsaver

Also how exciting your inheritance is not having to go on clearing debt.  Your nan would be proud of you. 

Mx_Emmin

enthusiasticsaver said:

Congratulations on getting debt free and hope you enjoy the whiskey.  Have you posted on the debt free roll of honour thread?

Thank you! I have, yes - the link is in my signature.

enthusiasticsaver said:

Also how exciting your inheritance is not having to go on clearing debt.  Your nan would be proud of you. 

Yes! Its still a little surreal. When I first learnt about the inheritance there was a small part of me that was disappointed I would have to use it to get out of debt - it did feel a bit like a waste, even though logically I knew it was the smart thing to do and would help a lot. But due to the delay I got out  debt even w/o the inheritance! I'm glad I can spend it on education instead, both career education and hobby/skill education.

SuperFrank88

Just subscribed to your diary, will read the whole thing over the next few days Congratulations on becoming debt free though! Look forward to reading about your journey. 

Frank.

Mx_Emmin

SuperFrank88 said:

Just subscribed to your diary, will read the whole thing over the next few days Congratulations on becoming debt free though! Look forward to reading about your journey. 

Frank.

Nice to see you here!

Sarahwithlove

I made it to the end. Well done on getting debt free. For future reference if you ever have a problem with your fitbit it's worth contacting them via online chat. I did and they send me a 50% off code for a new one even though I was a few months outside my guarantee. 

Mx_Emmin

Sarahwithlove said:

I made it to the end. Well done on getting debt free. For future reference if you ever have a problem with your fitbit it's worth contacting them via online chat. I did and they send me a 50% off code for a new one even though I was a few months outside my guarantee. 

Thanks!    I have contacted Fitbit support before and I've had... less helpful... experiences, which is partly why I was debating over whether I even wanted to get a new Fitbit this time. But I'll certainly try again next time there's a problem!

Mx_Emmin

I think I might need to buy Microsoft Office 
I think I'll just have to bite the bullet and do it, I've been trying to use OpenOffice for years and its reaching it limit

The thing is finding room for it in the budget. I'll have to firstly decrease how much I'm setting aside for "medical" each month - but I'm not going through all my meds as fast as I though I might, so hopefully thats ok, and secondly use the money I was saving up for Scrivener, the writing program. I haven't been doing any writing since I went back to work.

The annual subscription fee is £60, I have £40 set aside for Scrivener, when it hits £60 I think I just have to do it.

Mx_Emmin

My landlord/housemate has given me notice.
I'm not mad about, my spidey senses had been warning me this might happen - she's got a new job, is earning more money, and can afford the house herself. I'd do the same.
But Househunting with a dog is a ****ing *****.
 
Unfortunately the money for this is going to come out of my Emergency Fund. It technically isn't an Emergency, it's a "True Expense" because I should/could/did see it coming, but it takes time to save and I havent had time. My "next move" fund was next on my wishlist after my Emergency Fund. 
 
The good news is that I am in a much better financial situation than last time I moved. Last time I moved, I put it on credit cards and overdrafts. This time I have £1700 Emergency Fund and £500 set aside for those Canal Boat Lessons (not exactly a priority compared to a place to live) not to mention other small funds I could dip into. 
 
So I'll use my Emergency Fund to move. I just need to not have another Emergency simultaneously. Luckily (in this instance) I have no car, kids, or house, so my potential Emergencies are few. I've just got the dog (with insurance) and potential job loss.
 
Also my businesses, like many others, has announced some branch closures. All my managers seem pretty confident I will not be affected but I will feel so much better when i have that on paper. 
 
My Landlord has given me until the end of October to move, by which time the job stuff should be decided. In renters terms, that's pretty decent notice. 

Sarahwithlove

It's because nobody can be evicted before then due to coronavirus situation anyway. Good luck finding a new place to stay though hope you find something fairly quickly. It may be with current situation people become a bit more flexible about things such as pets.