Sh*t creek - is now in my rear view mirror...!

MovingForwards

Seeing it written down shows how much you have done and how far you've come.
With savings, think of it as a bill that needs to be paid every 4 weeks, when that 'bill' is paid. When all bills are paid, what's left is your spends until payday again 🤗

savingwannabe

Ren I do what MF says, it works. 

Irenadler

MovingForwards said:

Seeing it written down shows how much you have done and how far you've come.
With savings, think of it as a bill that needs to be paid every 4 weeks, when that 'bill' is paid. When all bills are paid, what's left is your spends until payday again 🤗

We are definitely on the same page on this! I know I have been writing what I am getting up to as I go along, but, reviewing it helps it sink in I have achieved a fair bit.... This is going to work!

Irenadler

savingwannabe said:

Ren I do what MF says, it works. 

Hey Swan!
You are so right... A kind friend gave me a self-help book as a pressie, and it is really boosting me up, in between cleaning of course!  

MovingForwards

It is going to work as you are already doing it!
Plant a seed of empowerment and watch it grow.

Irenadler

MovingForwards said:

It is going to work as you are already doing it!
Plant a seed of empowerment and watch it grow.

Ooh Babs, I like that....!  

Irenadler

Aha! Finally got to grips with changing the signature thingy... Took me long enough...
Sadly the EF has taken a hammering, had 6 birthdays, cards x 6 & a small pressie bought, a meal out with relatives, other stuff to fork out for, so instead of a proper month's worth of savings and the last of the refunds, it's a bit tinier than it should be... I suppose that's what it is for, all those expenditures I 'forget' even though they turn up every year.

That should be it until the dreaded December festivities come around. This year I have promised myself that I am NOT buying a load of stuff, pressies, food, alcohol that no-one eats/drinks because they are too full! I say this every year.... At least I can have less temptation as there is only so much vegan stuff out there...

Skint_yet_Again

You have done so well by even having an emergency fund. Have you budgeted for birthdays / Christmas going forward ? 

Make sure your family are all on board with plans for less excess at Christmas. We set a budget of £10 for birthdays & £15 for Christmas. Your family know you are not working so I’m sure they won’t expect presents 😊

Irenadler

Skint_yet_Again said:

You have done so well by even having an emergency fund. Have you budgeted for birthdays / Christmas going forward ? 

Make sure your family are all on board with plans for less excess at Christmas. We set a budget of £10 for birthdays & £15 for Christmas. Your family know you are not working so I’m sure they won’t expect presents 😊

Thanks Skinty
Belatedly I am setting a budget for that! 

Do want to give at Xmas, but it might have to be just cards or charity shop finds this year....

MovingForwards

How many people would you normally buy for at Christmas? And are they all adults?
Do you have many T3sc0 points?