Keep calm and carry on....

South_coast

I'll probably be tired on Tuesday, so let's do the monthly round-up now....

Free money....

This month's target was £48.11 and the results are:
£0.23 bank account cashback 
£0.52 bank account interest
£2.00 Storewards 
£5.00 Online forum about savings
£5.00 Shoppix 
£5.00 i-Say
£5.00 Vypr
£5.17 Ziffit 
£10.00 cashed-in Nectar points
£20.00 online diary about beauty
£20.00 buying something with vouchers earned from surveys and selling it on to my parents at a discount
£20.28 Prolific
£21.26 TopCashBack 

Total: £119.46

Smashed that, then 🤣!

December's target, er £0.00, as I have already achieved my annual amount 😀!

South_coast

Monthly goals....

South_coast said:

Money....
* Save up £4k to transfer into the LISA at the start of the new tax year - This will earn me the maximum bonus of £1k for The Future and the overall "money needed" figure - Achieved 🧚‍♀️
* Once I have the £4k ready, pile all money into the mortgage - Simples! - Achieved 🧚‍♀️
* No clothes purchases, except for work clothes, underwear and tights - I don't have loads of clothes, but I definitely have enough and they're all in decent enough condition. The exceptions are to a) make sure I look professional and b) ensure public decency, so are sensible enough omissions! - Retired during September, but I haven't bought anything this month anyway
* 1% of monthly salary to be donated to local homeless charity - Rolled over from 2020, as not yet a habit - Yep, done

2021, the year of health....
* Buy a 12-month prescription pre-payment certificate - I have been guilty of not using my inhalers at the prescribed dose to save on prescription charges in the past, so this feels sensible and grown-up. It will also save me money overall - Yep, done
* Act promptly on health concerns - No more ignoring back/chest pain for two weeks and telling myself it's down to sleeping on a lumpy mattress (although this did at least prompt me to buy a loooovely mattress topper 🤣!) - Not really had any this month
* Continue to minimise alcohol consumption - No explanation needed here, I think! - I finished the half-bottle of vodka I bought last month, then bought another and finished that too 🙁 Have also had a couple of bottles of wine
* Avoid all processed sugar - I'm not going to refuse birthday cake if someone has taken the time to bake it, but I'm not going to go looking for it either. The same goes for biscuits, chocolate etc - I had a small biscuit at work as someone literally brought the box right up to my desk. I did decline when they did a second round though 👍 I've also realised I was totally wrong in September when I said a bite of Kinder Bueno was the first chocolate I'd had all year - I'd completely forgotten the box of Lindor that BF bought me for Valentine's 🤦‍♀️!
* Take steps to minimise processed food - A bit tricky as I'm veggie (I do eat fish, but not at home - mostly to make it easier for other people catering for me), so I can't just base meals round a piece of meat, but some of the meat-alternative products don't feel very natural so I'm trying to cut those out as much as possible. Just need to make sure I leave myself something to eat! - Think the only thing I've had is a pot noodle
* Exercise outdoors once a week and indoors once a week - I know this will sound really lame to you fit lot, but I have to start somewhere and also try and keep it achievable - I had a fall while out running, so had an enforced hiatus for two weeks while my hands and knees recovered. I was pleasantly surprised to find myself frustrated rather than relieved, though - I just wanted to get back out there! I haven't updated my tracker for a few weeks, but I think I've hit my annual target now. Indoors retired during July

Hmmm, going to give that a B for November, I think

South_coast

South_coast said:

....so I'm ready to hit the ground running in November

How prophetic of me - although I didn't mean it to be quite that literal 😮🤣!

killerpeaty

South_coast said:

December's target, er £0.00, as I have already achieved my annual amount 😀!

This is my kind of target! 

Well done though, you've generated an incredible amount of money despite working full time.

South_coast

Thanks KP 😍

debtfreeoneday

Well done on the free money. Thought about your target for 2022?

South_coast

No targets for 2022, I'm just going to take it as it comes 😀

South_coast

Someone as terrible as me at maths should not be in charge of the household finances 🤦‍♀️! Really, it's a wonder I'm let out on my own sometimes!

killerpeaty

What have you done wrong with maths?

South_coast

Just been a muppet basically 🤣! Overpaid on a bill by accident and left myself a bit short for this month (so what's new 🤷‍♀️?) At least it'll reduce next month's bill and make the long wait to January payday a bit better, I suppose 🙄!