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Debt-Busting Progress: 2020: £13,200 | 2020: £9,200 | 2021: £4,900
2022: ongoing
According to my diary, I TT'd £15.18 this month but can only locate £12.41 of it?! (I basically shuffle the TTs from current a/c to the linked savings a/c then tot up at the end of the month, but for some reason it doesn't tally
No NSD today (although only spends were £3 in the coop for self-raising flour, baking butter and strawberries for scones for my Dad's visit today) so I've had 3 since end of CC and payday (target was 3-5). This is part of my new plan to not lose the plot in this twilight zone! Pleased with that.
Label maker and boxes have just arrived
WIll report in tomorrow with the payday shuffle
enjoy tomorrow’s pay day shuffle…sadly mine is the last working day, so I have to survive a little longer!
🌊 A smooth sea never made a skilled sailor 🌊
2023 challenges - (1) £8k savings challenge = £3k (2) 2 stone 6lb weight reduction = 1 stone & 5 lbs
My WW and friends diary is here 😁 …
https://forums.moneysavingexpert.com/discussion/6259606/must-try-harder/p1
Today's shuffle:
- £465 to virtual pots (this is well below the £7-800 I used to transfer but am slowly increasing from the bare bones £300 I was setting aside while the building project was underway. It may sound a lot but I have loads of virtual pots to cover almost every eventuality as this reduces my day-to-day money worries. This figure includes a £30 'no guilt spends', which usually goes on coffee!)
- £1000 to main savings (I have one external savings account, which contains my safety net saving of 3 months' bills, but I will also save here for clearing the M&S CC and for the remaining work on the house. I can't maintain this level of saving beyond the summer, when it'll reduce but I've been prioritising this saving for the last year for the house renovation)
- £100 paying Mum back (will increase in 'Phase 2' at the end of the summer)
- £10 to my Starling a/c (I use this for foreign travel - all the lols - as it's 0% on transactions. I'm not saving much atm for obvious reasons but hoping to go to a postponed conference in Berlin next summer)
- £1000 to clear my JLP CC
(I spend for food, fuel, entertainment and non-food essentials on this CC but this amount is *way* over my target, mainly caused by some twilight zone retail therapy; I now have a plan to increase NSDs and log my spending more carefully. Every month I'm under on this I can add to my savings and it really helps with my state of mind about money) - £200 towards M&S CC will come out in a few days.
I should say this isn't all salary (I earn a decent but definitely not high income in higher education). I get fair child support from DD's Dad who's a high earner and my Dad is helping me out short-term so the outstanding building work (about £3-4k) doesn't take me into my 3-month safety net. I realise I'm lucky on both counts, but I still need to budget carefully and keep an eye on my spending.DD has her eye on a 'play in a week' workshop thing in the summer (loves drama and music) so that'll be my focus for the 'holiday' virtual pot (costs £240). It's being held at the senior school she's going to in September and after all the lockdown isolation, I think it'll do her good. Happy to prioritise that. We're going to Scotland for our family holiday to visit my Mum so won't need a huge amount anyway bar trips out.
Right back to work: 2-hour Zoom meeting...
A spendy day in the end but all covered:
£30.54 from L1dl and £10.50 from the Bos of Sains but that should see us through a few few days. Food budget.
£3.95 for delivery on a free Gruum SPF 50 moisturiser via Family Railcard of all things. I'm about to finish my current supply so this was timely (how did they know?!) Non-food budget.
£17.99 on a new power bank. DD has stolen mine so I'd planned to get one anyway. This was on a 40% off voucher from Juice, so am justifying it that way! Will come from General Savings pot, which contains my personal spends
£30.60 on some clothes for DD, comes from my pot for all things for her. Has promised additional chores!
Tomorrow should be my 1st NSD of the new pay month
PS: That labelmaker sounds fab and dangerous at the same time to me.
Debt-Busting Progress: 2020: £13,200 | 2020: £9,200 | 2021: £4,900
2022: ongoing
Tick so far today for my scheduled run (well, run/walk) and a reasonable start to WFH. MAnaged to clear one of yesterday's spends off the wrong card doh! So will have to balance that out through a future purchase. Spreadsheet joy!
DD got her place at the summer school so that's £240 to find by mid-July.
NSD planned today and a first TT of the new pay month (£1.40) has gone into the virtual pot.
Presentation for an online seminar went well this morning, just got an hour or so of work left and have the afternoon off yay! Got swimming booked for 2. I'm a competent but not a good or elegant swimmer - I just get in the water for a few laps and I'm happy. The feeling of moving through the water is lovely, not carrying your full body weight and feeling the water slide past. The etiquette of lane swimming can be a pain though (did anyone see the TWitter thread about the woman who was attacked by a man she overtook?) I'm experimenting with going at different times of the day to minimise potential kerfuffles.
Inspired by the discussion on @anjyeah 's diary, I'm going to rethink how I use my journal to track my MSE and general life plans over the next few months.