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Time to get back in the saddle!
Couldsavemore
Posts: 495 Forumite
Its been over a year since my last thread.
I've seen the return of depression but have a good gp so was on the correct meds quickly. My personal side effect of the meds is as I'm less up tight about stuff...
So I've added quite a bit of debt..
Nearly new caravan loan (not that I'll be using it much soon!)
Part loan for solar panels
Also my savings have depleted.
So I'm back..
My first simple aims are
1. Write a budget!
2. Use a prepaid credit card like I would cash to minimise spending.
3. Save up to cover 1 months mortgage, caravan loan, solar panel loan.
Will deal with step 1 today!
I've seen the return of depression but have a good gp so was on the correct meds quickly. My personal side effect of the meds is as I'm less up tight about stuff...
So I've added quite a bit of debt..
Nearly new caravan loan (not that I'll be using it much soon!)
Part loan for solar panels
Also my savings have depleted.
So I'm back..
My first simple aims are
1. Write a budget!
2. Use a prepaid credit card like I would cash to minimise spending.
3. Save up to cover 1 months mortgage, caravan loan, solar panel loan.
Will deal with step 1 today!
# 36 1p challenge 2024 - £536.60
#13 POYD by Christmas 24 £2875 / 8138
#13 POYD by Christmas 24 £2875 / 8138
1
Comments
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So I use my banking app to do a quick buget..
Money in...2567
Monthly out going (I think) 2094
Leavinh 473 spare
In this I've allowed for
All household bills
Petrol (70)
Groceries (300)
Savings (400)
Loans (276 and 155)
Mortgage (300)
Shocking where it goes!
Will deal with step 2... grocery money onto prepaid cc 300 for the month... cover 1 adult, 1 child, 2 cats and a doggie!
# 36 1p challenge 2024 - £536.60
#13 POYD by Christmas 24 £2875 / 81380 -
Lots of luck to youMortgage Aug 2019 161,000 :eek::eek::eek:Nov 2019 156,500:T Jan 2020 153,122:T, Apr 2020 149,500, Apr2021 139, 675, Oct 2021 136,823, Dec 2021 136,120🙂EF 0/12,000 (0%)😕 (5062.44 was ERC), Jan 2023 128,650. Our Mortgage is never going to be as high as it is today. :jOnwards and downwards to a better life for our family. :jJust keep swimming0
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