Future Proofing my life: Deposit saving then MFW journey in under 13 years

dawnybabes

I tested the Shark one this summer, I loved the speed of it and convenience but didn’t notice the cooling eye pad thing as a bonus.  I’m back to my old one now with NIR 

LadyWithAPlan

dawnybabes said:

I tested the Shark one this summer, I loved the speed of it and convenience but didn’t notice the cooling eye pad thing as a bonus.  I’m back to my old one now with NIR 

I have even got my mum using her NIR face mask on her achy knees - she says its helping and some studies showing 50% less pain after use ...


Grocery - XMAS
Grocery £74.51 +  £26 Xmas food + £7.20 junk
Had an EMS session this Sunday  morning so HAD to leave the house despite the rain/wind. Then popped to Morries after and used £15 of my £25 free vouchers towards Xmas food shopping and what I am cooking in London ahead of Xmas.



Vinted =TT 
 decided the only way to get excited by Vinted is to use all monies made and pop straight into my TT cash isa. Hopefully got £3.50 coming and posting a £5 thing today. (IF i can find it, put it somewhere safe ... unless I added it to my CS haul drop last week.

May pop a couple bits extra up ... ahead of Xmas ... as who knows if I will be trying to move down into a one bead in the new year,

XMAS shopping - not started it ..
I may need to see the few bits I have collated over the year  before starting . YNAB had me really pull my spending this year in inc on gifts for myself and others, so less things waiting to be gifted this year

Baby CRYPTO watch £247.60   now so up another  10% increase on my holdings in 6 days  - 
Total invested £145..
Leaving it be -  Bitcoin went over £100k - I have  20% in BTC  -
I do have £33 (2.2% of my Nov MB/Casino/sportstrading winnings) in my 'add to Crypto' category  - I will do in 1/3rds I think - some people expecting some dips as people take profits. I don't  even try to time that markets I do understand beyond a few long term macro economic views  eg  I have been under investing in UK since Brexit  so not gonna start  trying to time  Crypto where I am still learning.

dawnybabes

I started reacting to lactose a few weeks ago much to my horror ! It’s bloody bad enough being coeliac without adding that to it.  So off I went down lots of rabbit holes and I bought lactase tablets off Amazon - amazing - I can eat / drink milk / cheese again.  I’m still going to use lactose free milk and cheese at home but out - whoo hoo ! 

LadyWithAPlan

@dawnybabes Oh I might try some... I love cheese, I dont miss milk or choc that much but ice-cream and cheese.... what make did you buy?

My Ynab figures tell me (from Dec 23 - my 1st full month of YNAB) to end Nov 24
Total spend on food - excluding bday /family meals out (and does not include households items, alcohol or where I bought xmas food for others)
£2919.88 in 12 months  so £243.32 avg per month
This is just me though I did feed/ cook a fair amount for 5 months or so for the guy I dated earlier on the year (who was not a PPH - just we were definitely not right for each other - slight PPH behaviour at the end 🤔 though ) 

Groceries  £1520.94
Bulk   £129.50
Food out/snacks £150.16
Junk- sweets /crisps £177.31
Takeaway/meal boxes £150.16 (only do when there is an offer) 
Abroad food inc meals out (i do travel abroad for work and this is where work doesnt cover  £280.65 + £266.76 + £243.74  (separate trips)

First time I can do this exactness - always wanted to know exact numbers easily on my spends and the YNAB is next level for it - my voluntary spending has really gone down this 12 months and savings up, despite earning less (and delayed invoice payments)

Jewellery advent calendar idea @PennysIntoPounds  I am very inspired by PIP's advent calendar idea where they suggest you shop from home and wear unworn jewellery each  day.. I often wear the same things ..
(still havent found the vinted necklace I hae 'sold ' to post ....
So I am planning some wild jewellery moments these next few weeks ...all inspired by PIP - if anyone sees IN London someone dressed up like a xmas tree do stop me and say hello.


SIPP - added £100 to it (Have some more in waiting) all from my MB winnings.
I won on  a 2up yesterday on Spurs (that may make sense to some of you) - basically where a team goes 2 goals up then you get paid even if it then draws or wins. (Spurs went 2 0 then lost eventually 3 4 ) but at 2 2 I got out 

This week 
get paid invoices from 2 companies 
get paperwork on 3rd moving forward 
Sort out the new rent /affordability to my satisfaction 
get a new job - so 10 cvs out a day minimum 
Tidy flat ahead of new agent meeting Tuesday (whilst magically making the second room look smaller ) 
deal with summer side hustle paperwork 
start Xmas shopping 
cook for a Wed Cmas  bash 
Speak to tax person and file my co accts 

dawnybabes

I got these ones but there’s lot off Amazon …..

savingholmes

Hope those invoices get paid soon

LadyWithAPlan

savingholmes said:

Hope those invoices get paid soon

me too!!

tx @dawnybabes i will try 

LadyWithAPlan

Monday eve class is finally making sense, I have dived straight into intermediate coding here but can see me catching up

I havent done my home study for a week plus  between Monday interm software and Thurs database software classes - I can really see how my understanding has grown.
Plus more fun to then go back to the basics as I can fully see why they relevant. Ai means you really dont need to code  that well but knowing what/where/how to code  - thats the challenge

Had the new mging agents this morning - went as  well as poss  and all the chanting paid off - I was very polite and even offered them all a cup of tea/coffee.. The guy confided in me it was very difficult - and said he thought I was in a smaller 2 bed so hopefully less of a raise...
Yet to get thru the affordability etc... ( and Nope despite chasing neither 2 clients have paid) - the main one text today he seeing what he can do (!)  .. This is how small businesses go broke... I have savings luckily.

@PennysIntoPounds advent  jewellery has me  today wearing my not Princess Di  sapphire/diamond (!) ring  - last worn  probably 27 years ago  its a v shape (wishbone apparently) , 18 ct white gold with diamonds and sapphires in - its wildly sparkly.  Just looked online mind you and seen one v similar but  smaller than mine for £725 (!) 

I rarely go elegant with jewellery however I did wear  my Di  -ring  along with some drop 18ct gold and onyx earrings - also from my DGP. (again google suggests I have been sleeping on them value wise). However both (with a bracelet) was a 21st present to me so I would not sell them.. The earrings really looked classy. 

skint_spice

I hope the feedback goes ok with management company but sounds promising.

Loving the sound of the advent jewellery, I need to find a pair of earrings that I love. They weren’t expensive but I miss them!

WelshmansDaughter

Pips advent had me thinking about my 21st jewellery. Its a ring though so not the most practical for wearing work wise but like you, wouldn’t sell for sentimental reasons. I did consider having it changed into earrings though