Facing reality

Sarahwithlove

enthusiasticsaver said:

We well done on clearing the credit card and if your dad is happy with the repayment plan then focusing on building up savings pots and EF is the right way to go. I prefer to leave our council tax over 10 months and February and March the money goes into savings pots. My car insurance is due February so usually the money allocated to council tax more than covers that  and there are lots of birthdays in March so again it is like a bit of a bonus that the council tax money is there to boost the pots. 

Yes he still has another year to go before he gets his state pension and finds his occ pen and my £100 is enough for him to live on for the day to day stuff so limits how much of his savings he has to go into.
This year's has gone towards paying the debt so having the two free months has helped hopefully by next year it can go into savings or towards the year afters. I can decide nearer the time. 

IzzyBee

I’m with you there Sarah your mood definitely improves when you are eating well and generally looking after yourself well done keep up the good work 

FOMO_overspender

Just caught up with your diary! You've done amazing to clear the credit cards    must feel so nice not having to pay them off and knowing that when you put £ into savings it is 100% yours! 

CreditCardJunkie

Hi Sarah, noticed you haven't posted in a while. Hope things are good with you xx

mark55man

wow yes - its been a while.  I always enjoyed your observations on your diary and mine.  I hope you are enjoying the greater freedom's we have now - maybe some time out of the flat
 

Sarahwithlove

CreditCardJunkie said:

Hi Sarah, noticed you haven't posted in a while. Hope things are good with you xx

mark55man said:

wow yes - its been a while.  I always enjoyed your observations on your diary and mine.  I hope you are enjoying the greater freedom's we have now - maybe some time out of the flat
 

Thanks for checking in. I'm doing OK just plodding along as usual. Had a few electrical go wrong so had to purchase new ones. But adjusted budget and covered it. Work have unofficially said we will be working from home majority of time. Think we could end up going into office once a week. Got a new adjustable desk which is helping with the back issues. Still having massages but now it's down to once every two weeks. I've also joined the gym which is good for my mental health and helping me get fitter and healthier.
Still no idea when will be able to go visit my brother in Germany as they are getting strict again on brits visiting. 
Lodger lost her job again in March and has been without work since then. Can be a bit frustrating at times as I'm working all day and she's seeing friends and not doing anything around the flat to help. I'm just getting on with it as can't be doing with kicking up a fuss for now when we're still in each others pockets.
Sinking funds looking good and from next month will be topping up emergency fund again. Have given myself an extra £50 a month spends from next month as well. Finding ynab really useful still for managing things. Just need to cut back on the takeaways again.
Hope everyone is OK. 

mark55man

welcome back !!  I think all of us have periods were nothing much changes, but debts are getting paid, savings are being grown, and life is being lived.  I became a lot more contented when I realised I was very happy not doing very much, as long as I had something to look forward to in the near future (even if cheap)

Sarahwithlove

mark55man said:

welcome back !!  I think all of us have periods were nothing much changes, but debts are getting paid, savings are being grown, and life is being lived.  I became a lot more contented when I realised I was very happy not doing very much, as long as I had something to look forward to in the near future (even if cheap)

Yes I've still been about and reading other diaries and commenting now and then but for now everything is ticking along nicely so not much to report really. Hope your keeping well. I quite just enjoy having a evening in to myself without my lodger. 

t2rry

Sounds solid, Sarah - it's the part of the journey where there's nothing to report because you're doing it as usual life...I think that's a great place to be! 

CreditCardJunkie

Glad everything's ticking over. I'm sure it's really frustrating with your lodger not working. Hopefully she'll get another job soon!!