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Facing reality

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  • Sarahwithlove
    Sarahwithlove Posts: 3,314 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    t2rry said:
    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! 
    Very much so just need to control the spending. 

    Glad everything's ticking over. I'm sure it's really frustrating with your lodger not working. Hopefully she'll get another job soon!!
    She goes away on 2nd for nearly 3 weeks, then back 2 weeks away for 10 days, then back for 5 days and away for a week again. So probably won't be getting a job until September I think she plans to just enjoy her summer. She was in quite a low place last week but started dating a new guy and that seems to have made her peek up again. On plus side we spoke about a rent increase and she now pays me an extra £50 a month which is just now under 50% of the bills including my mortgage. 

    Not having a good time with my back at the moment. Doctors given me some strong painkillers which are making me a bit drowsy.

    Budget is really tight had to put my food shop for this week in the CC. Will pay it off on Thursday once been paid. Will use remainder of this months budget and some from next months but have upped my food budget going forward now as this eating healthy stuff is expensive! I've also increased my spending money allowance as well and created a general household budget for little purchases that I don't want to come out my food budget or my spending money. Like a new mop and bucket.

    My sinking funds are all looking pretty good and from July my focus is going to be on my emergency fund. Should be able to put away £250 a month. Once I have that built up I then plan to start overpaying the mortgage which in all honesty probably won't be until next year now. Depends what big expenses crop up, especially as I am fully expecting my car to cost me money when it comes to its MOT in October. 
    *Dad loan - £5300 - £7400
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£0

    Barclaycard - £2315.25 - £0.00

    *Total debt - £7400/£10680.85*


    Savings
    *Savings Buffer - £1000/£1500
    *Emergency Fund - £1000/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • Sarahwithlove
    Sarahwithlove Posts: 3,314 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Hi,

    How are you getting on?
    Hi thanks for stopping by good timing actually. Finances haven't been great lately been doing a lot of spending without thinking about it. But going to reign it in now and created a new budget for August. I'm ashamed to say I have some money on the credit card as a result. So that's being cut up and removed from my saved cards on my phone. Will reduce my spending allowance for next few months to make up for it. It's mostly been on eating out and takeaways and clothes shopping. But need to stop. I've gotten into bad habit of not using ynab as don't like what it has to say. But that isn't good habit to be doing. So now everything is going back through it again. Recently switched bank accounts as well which will get me £125 bonus for doing so. 
    *Dad loan - £5300 - £7400
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£0

    Barclaycard - £2315.25 - £0.00

    *Total debt - £7400/£10680.85*


    Savings
    *Savings Buffer - £1000/£1500
    *Emergency Fund - £1000/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • mark55man
    mark55man Posts: 8,196 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    HI Sarah - there has been a lot of post lockdown splurging so you are not alone.  Like you, I am having to readjust following a spendy July, and have had to reschedule my final push on getting CC sorted.  

    I think we all needed a little indulgence, but well done for reining it in in a month and not a quarter (or a year or a decade :smile:
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • Blackcats
    Blackcats Posts: 3,831 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Hi Sarah - increased spending post lockdown is easily done but you are back on track now and that's the main thing.  
    How are things going with your lodger?  Is she still living with you? 
  • Hi Sarah, hope you're okay x
  • I am alright, glad to see you back posting. Sounds like you have a some what difficult time at the moment with what’s on your plate. If you find a better job with better pay I would go for it if you’re not happy at the moment. 
  • mark55man
    mark55man Posts: 8,196 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    welcome back, as you look around the diaries you will see a lot of people (myself included) have not quite readjusted post lockdown and post inflation at the moment.  but you can only do the best you can - and leaving a toxic job is a good start.  even if you move for the same salary the mental improvement will be worth it, and may prevent some expenditure
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • Good to see you posting again 😊
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