Starting All Over Again

enthusiasticsaver

You are doing brilliantly. Well done on staying focused. I hope your boss lets you continue working from home. Subscribed to follow your journey. 

ZaSa1418

Thank you @RelievedSheff and @enthusiasticsaver

ZaSa1418

I paid another £93.80 off the credit card so only £400 to go which will definitely be paid by the end of the month. 
 I am a little confused by the next credit card I am meant to pay off (as per the snowball calculator on stoozing )as its one that still has 0% until June next year so I might work out how long it would take me to pay that off and start paying something that has interest until i need to pay the 0% one off to make sure it doesn't end up costing interest. 

I get my 20cogs money tomorrow and hubby is nearly at the end of his although the offers seem to not be as much but everything counts so I am not moaning. 

I have to go into the office this week but I am travelling off peak which will save me over £10, the prices to get into the City are ridiculous but I am hoping I won't need to go back after this for months. 

ZaSa1418

2 days until Payday!! I love payday mainly so I can put it all in my designated pots. 
Our fixed rate mortgage runs out in the next couple of months so we have applied for a new fixed rate which will be a lower payment than we are paying so that's good. 
My first credit card will be paid off by the middle of next week and I am looking forward to it so much.
I got an email from my energy provider to say their prices are going up so i will need to switch as they will definitely not be the cheapest anymore.
Going to work wasn't that bad but I am glad that will be it for a while especially with the new restrictions/guidelines. 

ZaSa1418

I got my payslip today so I have managed to make a good start on my budget for next month. Hubby should get his payslip in the post over the weekend so that will help. 

My sky contract finishes next month so I called them to haggle, they have always been pretty good to me on the phone and today was another good outcome for me, was cancelling loads and they managed to find a 'special deal'  so i could keep everything at just under £40 which i was very happy about. 

Next thing to expire is my 12mth sim only contract which i will cut down again, i got it last year and i was using loads of data through the commute which i have obviously not been using so i am going to cut it right back. 

ZaSa1418

Payday for hubby tomorrow so the rest of the money gets moved round and I can make that final credit card payment. It is sad how excited I am about it.

Hubby also got accepted for a new balance transfer credit card so we are going to be moving the highest interest one over to that - luckily the limit is enough and then it will be cancelled-  yes there is a fee but it will definitely save interest costs in the end. 

This week I still need to look at my phone sim and also changing energy suppliers. We are also having a bedroom shuffle so I need to see if any furniture is needed, the decorating can wait. 

savingholmes

You are doing really well. Glad you can WFH again.

ZaSa1418

savingholmes said:

You are doing really well. Glad you can WFH again.

Thank you, yes I am so happy I can WFH, the amount of money it saves me monthly is amazing. 

ZaSa1418

Direct Debit for minimum payment on my credit card came out today so i paid the extra £368.80 to clear it. 
1 credit card down many to go. 

ZaSa1418

Had such a busy weekend, we had a bedroom shuffle and had to buy furniture - i knew this was coming so had saved for it. 
Still haven't put it all together but it will get done this weekend. 

Today i have somehow managed to crack a tooth eating my lunch (soft noodles) - no idea but it means emergency dentist appointment which will come out of my health pot but i don't think i will have enough if i have to have a big treatment so it will mean dipping into the emergency fund.