Three years to get debt free

Sun_Addict

Just catching up with your diary after being on holiday. Great news about the uni course. I’m sure you’ll manage to stretch out that £200 for 13 days. If anyone can do it you can. Enjoy your evening. 

Willowtree222

Sun_Addict said:

Just catching up with your diary after being on holiday. Great news about the uni course. I’m sure you’ll manage to stretch out that £200 for 13 days. If anyone can do it you can. Enjoy your evening. 

Thanks Sun.
How was your holiday? X

Sun_Addict

It was lovely, very hot and sunny but very relaxing 😎 Coming back down to earth now.

Willowtree222

Sun_Addict said:

It was lovely, very hot and sunny but very relaxing 😎 Coming back down to earth now.

I know that feeling x

Willowtree222

Morning,

I have £270 left to last me until the 15th. £160 is in the account that pays my energy bill and phone bill so I’d rather not go into that as that covers some of those bills for the next month.

That leaves me with £115. I need fuel and two shops with that plus little bits. I’m thinking I might have to dip into the £160 but as little as possible to keep on top of those bills and keep me out of my overdraft. 

I’m only paying my childminder for what I have now and that’s weekly. I have already put the first weeks money in the childcare account ready so that’s covered.

I think that’s how I know I’ve become an adult with regards to money. I’ve started to prepare and cover bills in advance. It only took 20 years! If only I’d have sorted things out sooner!

Savings and emergency fund is at £5300. That doesn’t include my current accounts 

I never ever thought I would be writing that. 

X

Parkyp

I’ve started taking physical cash out every Saturday to do me through the week as I felt I was just tapping my card and no idea how much I was spending so I’m paying more attention now I’m paying cash. 

It is such a good feeling having money to cover the bills and having savings. You’re doing great, well done 👏 👏

Willowtree222

Parkyp said:

I’ve started taking physical cash out every Saturday to do me through the week as I felt I was just tapping my card and no idea how much I was spending so I’m paying more attention now I’m paying cash. 

It is such a good feeling having money to cover the bills and having savings. You’re doing great, well done 👏 👏

I tried this but would go over on the shopping, pay by card, then spend the cash on something else! You’re much more disciplined than me!!! 

24ta

I think that’s how I know I’ve become an adult with regards to money. I’ve started to prepare and cover bills in advance. It only took 20 years! If only I’d have sorted things out sooner!

Most of us can identify with this.😊

you are doing so well, congrats on savings and place in uni

Willowtree222

Yesterday was busy and productive.
DD had classes till just after lunch. I then did a tip run, sorted out a fence panel, cleaned out the rabbits and tidied up the garden where the old trampoline was. It had disintegrated in a lot of places and so was quite dangerous. 

I updated my photos and vision board with memories from the summer too. 

This morning I’m on the washing and tidying. 

Only money spent yesterday was DD’s class parking which is a normal spend. 

X

Willowtree222

24ta said:

I think that’s how I know I’ve become an adult with regards to money. I’ve started to prepare and cover bills in advance. It only took 20 years! If only I’d have sorted things out sooner!

Most of us can identify with this.😊

you are doing so well, congrats on savings and place in uni

Thank you. Yes, I think we all wish we’d have done something earlier or differently.

I still feel guilty that I’m here though when so many people are struggling
x