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Building savings to bubblewrap my new life.
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Thanks @savingwannabe It is snowing here so enforced rest as I am confined to one warm room wrapped in blankets! I will continue to log my spending. I must admit I didn't realise how emotionally draining moving by myself would be. A real rollercoaster, but even as I write that I know it will be worth it in the end. I am very lucky that I have options.If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720254 -
So today it is snowing! It looks so pretty.
I was going to buy a paper this weekend and also walk with a friend. Both off the schedule. I am thinking of asking my local paper shop about having a paper delivered at the weekend. It will be a treat, cut down on my contact. I also realised I go to supermarkets for a paper as the corner shop is small and they don't wear masks. I inevitably buy a few extras so this might be a cost saving move.
Hope everyone is having a good Sunday.If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720254 -
Paper delivery sounds like a good idea. My local one doesn't wear masks either, but they are behind a screen.
Enjoy the snow ☃️Mortgage started 2020, aiming to clear 31/12/2029.3 -
You are achieving so much atm with the move so don't forget to look at what you are achieving and be proud of that 😊
In relation to budgeting, we would all like to get to the end of the month with money left but sometimes it just doesn't happen unfortunately. The main thing is that you are putting a budget in place, imagine if you didn't. I do find the longer I do monthly budgets the more I learn and the better chance I have of ending the month with a few pennies... Although I will say payday can't come quick enough this month.
Have a lovely day.Mortgage 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 swimming3 -
Thanks @MovingForwards and @longway2go for the encouragement
Was feeling low and my fave wine was on offer at the supermarket. First time I have had a glass of wine since Christmas day 2020. I popped in on the way back from the chemist...add in a few other naughties and some nice olives. Yikes. One thing I know is once the budget boundaries have been breached it is easier to overspend. So, £258 overspent now...
A very cold day here. snow has turned into very slippy ice!
A hold up with one of the searches is frustrating but solicitor said he will keep me informed...If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720253 -
These things happen DIA, try and be careful until payday.
Mortgage started 2020, aiming to clear 31/12/2029.2 -
Hey DIA - I know that feeling of the 'splurge monster attack', and the 'what the heck I am over-spent anyway'... what I am finally learning is, I can rein it back in and get back on the saddle.
That is the most important realisation for me - it doesn't have to be the start of a spiral downwards into debt mode. Or worse. It is a 'blip'. A bump in the road. A 'hiccup'. A moment of madness. A - well, you get the idea!
And it's even harder not to beat myself up. I am more forgiving - especially in what is happening all around us.... so be kind to yourself, dust yourself off, and hop straight back on the trotting budget horse.... "...when you have eliminated the impossible, whatever remains however improbable, must be the truth..."
"Mastering a low budget lifestyle now, means you are set for life" quote by 'Miss Babs'
Dog's 'Pot o' Gold' = £23.85
Household maintenance = 0
Prolific Academic = £41.643 -
Thanks @MovingForwards and @Irenadler
'back on the trotting budget horse' today...a NSD
I wanted to close a CU account that is very hard to access (you have to email or phone and they rarely answer) They talked me into leaving £5 in it so I might turn it into a Christmas savings account with just a small SO. Then it shouldn't matter as I should only need to access it once a year.
Everything is ready to pay off the CC in full tomorrow.
Hope everyone is okay.If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720253 -
Would it be worth writing a list of everything you need to update when you move. It's easier to think when there's no date yet and one big task is ready to be done in a little tick off exercise.
Well done on the NSD.Mortgage started 2020, aiming to clear 31/12/2029.2 -
Hope you managed to pay the cc off DIA. Hope your sale goes through ok. It’s a stressful time anyway plus your sale so a few naughties are understandable ☺️0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
House sale OCT 2022 = NOW MORTGAGE FREE 🤗
House purchase completed FEB 2023 🥳🍾 Left work. 🤗
Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).
Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1
Living off savings diary
https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p13
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