Holey Moley!

Hazelnutty

Kittens for scale - love it!!

South_coast

Read that as "Kittens for sale" then 😮😮😮!

killerpeaty

NO KITTENS FOR SALE HERE 

If you look to the left of the white kitty, there's a little ninja kitty as well. She enjoys late night face tapping, jumping onto the chest of drawers and knocking everything off and finally climbing to great heights (up the curtains). The white one enjoys pouncing on your feet in the morning. The other little black one enjoys breaking into closed off areas, getting stuck and crying for help.

I actually come on to express my shock at the difference in salaries between the south and north. My colleague is moving up to.. somewhere and the advertised salaries for a senior is pretty much what you get as a trainee here! I knew there was a difference but this was a shock!

Would talk more but a kitten is trying to sleep in a bowl and it's super distracting.

killerpeaty

Oh dear, there was a very large spider on my wall. Now I have large stain on the wall... Have not lost the creepy crawley feeling yet!

Been looking at my moneys, looks like it will be 8 months until my 0% is paid off (probably less, will probably decide to just pay off the last couple of hundred), which will free up £100 each month. I'm debating whether to keep it in cash to accelerate cash savings or reintroduce it to my investing which used to be £200 a month and now is only £100.

I have decided that next payday I will pay off the sofa (balance owed to mum), which will make me feel a lot better. She doesn't want the money back but I don't like the feeling!

I also have decided on a new aim, I want to put £4k into my investments by the end of 2021. Why £4k? Because I'm at 26k currently and I wanted to get to £30k by 30 and this will mean £30k at 31... and regardless of any growth or decline £4k feels like a good amount. So... is it possible? I have 15 monthly payments of £100 (ignoring the possibility of increasing the monthly payments), leaving only £2.5k to find. That is £166.67 a month to find. This is a lot, but I'm hoping to get a raise at some point in the next year and I'm considering starting a side hustle, health permitting. It's all about the challenge!

South_coast

It's definitely all about the challenge! And this seems achievable too, so win-win 😀 A side hustle sounds good, I've not yet got past the thinking stage though!

newgirly

It’s a great challenge, setting high goals and get as close as you can - hopefully achieving what you want 🙂 

Moneyfordreams

If you don't try you would never know  

killerpeaty

Thanks for your support guys, feel like I might be self sabotaging already!

I have things I want to get, for example a dolly (£9.99 from Aldi), a table and chairs (£60 from marketplace) and boxes (from Wilko or B&M maybe?). I've already bought furniture this month and got paint and paid for my car's MOT/fix, so I am bleeding cash. Whoops! I might just get the dolly and mourn the loss of the table and chairs.

Been feeling rough this weekend so didn't manage to get out of bed for the most part. I thought I was getting a cold but I'm pretty sure that I am just run down, sometimes my body just says "no" and I have to listen or I go into a bad pain cycle. It's irritating, I wanted to do a full tidy of the flat so I could sort through my diy items. Instead I have browsed the internet, found a beautiful table and chairs ( ) and made a list of outstanding diy items for the flat.

I have things to ebay, I hate the faff but it would be great to have the extra cash. But they've literally been in a pile to sell for years so I really need to do something!

killerpeaty

So, it's late but I am going to have to be quick otherwise I will fall asleep.

...

Also the cat has just fallen off the bed. He's probably fine. 

killerpeaty

It's been a while since I last updated. This is due to a few reasons, but nevermind that I am back.

So I have owned my flat for over a year now! Still not moved in but it's an awful lot closer than than this time last year. I am so close now, but need the boiler to be replaced. I did get someone over to give me a quote but hasn't gotten back to me. Why do trades people never get back to me? It happens at work too!

My uncle got his local handyman to patch my flat roof. A whooping £103. But so far I haven't actually seen it because I haven't been to my flat in about three weeks. Why? Because I've been in self isolation of course! My work is insisting that we all come back into work for "efficiency", we sit quite close to each other so when someone's family member goes down with covid then half the office needs to self isolate. It kind of defeats the purpose. Right at the tail end of my self isolation, I decided to get sick so I have been not going out at all.

Except at the beginning of this week, where I ended up in A&E. Still feeling poorly, but they have provided me with some medicine and I'm hoping that it'll make me feel a bit better.

Annoyingly, I'm currently on hold with one of my banks. I have had fraudulent transactions, only £20 but that's my £20! Interestingly whoever used my card was unhappy with their original purchase and returned it for a refund.

My mortgage currently stands at £160,881.81! My usual payment is going out on Monday and I'm tempted to throw an extra £250 at it to bring it to the £150s. However, it might not be a good idea considering I need to get a new boiler.

My interest free CC is down to less than £700, so there are only about 7 months until I am £100 richer a month. Exciting!

Investments have dipped a bit, but have contributed £100/£4,000 end of 2021 aim.