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Facing reality
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I know you are not really wanting this, but another lodger could provide income certainty, and the way the rental market is at the moment you could probably charge more and still be cheaper than the regular rentals - I'm sure you could find someone a bit more helpful as well. although the temptation to be on your own for a bit must be overwhelmingI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine1 -
mark55man said:I know you are not really wanting this, but another lodger could provide income certainty, and the way the rental market is at the moment you could probably charge more and still be cheaper than the regular rentals - I'm sure you could find someone a bit more helpful as well. although the temptation to be on your own for a bit must be overwhelming*Dad loan - £5300 - £7300
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£400
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £860
*Total debt - £8560/£11641.17*
Savings
*Savings Buffer - £1000/£1500
*Emergency Fund - £1000/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/0 -
Expensive weekend for me. filled my car up with petrol, done big food shop, also had to get some more cough medicine and night nurse to help me sleep. This post covid cough and general exhaustion is getting very frustrating now. I just want to go back to normal and not get tired doing slightest things. Hopefully get some NSD's this week, need to get more focused on them in August and hoping to start with a good few days at the start of the month as really should be able to go without a spend until the weekend, maybe Friday evening. But who knows as I'm sure something else will crop up but hoping I can put it off for a few days either way. Not much on this week, work, chiropractor weds evening, thats already paid for, then Friday going to family members choirs concert, then saturday football starts again for me. First home game of season, that will be a spend day as usually meet my cousins beforehand for lunch at spoons before walking into the ground.
Right time to go watch the Lionesses, come on england!*Dad loan - £5300 - £7300
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£400
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £860
*Total debt - £8560/£11641.17*
Savings
*Savings Buffer - £1000/£1500
*Emergency Fund - £1000/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/1 -
Very happy about the football score on Sunday. Well done to the lionesses.
On day 2 of NSD so far and have to say it's been quite nice if not a bit strange. I'm getting a little list together for shopping but hoping it can be put off until end of week. Will have to wait and see.
Most of my DDs came out yesterday, rent went in today and been moved straight to my saver to help build up the emergency/sinking Fund. Made my monthly payment to CC which will have it cleared by end of 0% period and still have some money left in my account spare that hasn't been allocated anywhere yet. Its in my bills account at the moment and may need to go on some new clothes for a job interview I have on Tuesday that is in person 😱 going to have a look in my wardrobe and try on a dress that might be ok but not sure if it still fits. Will try charity shops first if not. Very nervous about it as includes role playing scenario as well. Will do some reading up and go back over my application before the interview.
Right off to update my signature.*Dad loan - £5300 - £7300
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£400
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £860
*Total debt - £8560/£11641.17*
Savings
*Savings Buffer - £1000/£1500
*Emergency Fund - £1000/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/0 -
Good luck with the interview and well done the lionesses - best game of football I have watched in years (not a big fan).
All the money seems to be going well!!I think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine0 -
I really enjoyed the Euros tournament throughout and the final and the result were great.My team still seem to be talking about lots of transfers in but not actually concluding many.0
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Sarah you seem to be getting back on the wagon financial wise, I must say I haven’t watched most of the woman’s euros but the final was absolutely epic and fantastic and I truly hope it bring more attention to the game. Fingers crossed for the World Cup with men’s later this year. I wouldn’t not to predict the result on that one0
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Blackcats said:I really enjoyed the Euros tournament throughout and the final and the result were great.My team still seem to be talking about lots of transfers in but not actually concluding many.floorspeed_2 said:Sarah you seem to be getting back on the wagon financial wise, I must say I haven’t watched most of the woman’s euros but the final was absolutely epic and fantastic and I truly hope it bring more attention to the game. Fingers crossed for the World Cup with men’s later this year. I wouldn’t not to predict the result on that one*Dad loan - £5300 - £7300
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£400
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £860
*Total debt - £8560/£11641.17*
Savings
*Savings Buffer - £1000/£1500
*Emergency Fund - £1000/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/0 -
Happy hump day. The weekend is now in sight. Walked to shop and brought myself some chocolate within my calories and bottle of Coke zero. I used the change in my purse leftover from last month so I'm going to still count it as a NSD. Its quite nice logging into my banking and seeing I haven't spent anything from my spending account 🎉*Dad loan - £5300 - £7300
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£400
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £860
*Total debt - £8560/£11641.17*
Savings
*Savings Buffer - £1000/£1500
*Emergency Fund - £1000/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/1 -
Hi just read your whole diary today. Really enjoyed it, keep up the good work x0
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