Trying to keep on top of it all.Busy,crazy ,life!

savingholmes

https://www.moneysavingexpert.com/news/2016/04/take-my-5-minute-wallet-workout---save-100s/

https://www.moneysavingexpert.com/family/a-z/

If you work through some of the examples you should save. 

Was the loan more or less than you expected? Was that a settlement figure as they aren't always the same thing as the current 'balance'?

Catty89

savingholmes said:

https://www.moneysavingexpert.com/news/2016/04/take-my-5-minute-wallet-workout---save-100s/

https://www.moneysavingexpert.com/family/a-z/

If you work through some of the examples you should save. 

Was the loan more or less than you expected? Was that a settlement figure as they aren't always the same thing as the current 'balance'?

Thanks il take a look! That's not the settlement figure I will do that too. I am hoping there is some way round it as the interest rate is high on it and I'm sure we could get better now. Just by paying my credit cards off when we consolidated it into that loan my credit rating changed massively, so I'm sure I'd get a much better interest rate now. 

Catty89

I worked nightshift last night and Sunday have a day shift at my 2nd job. Feel will get a good pay November so takes the pressure off a bit for Xmas. I'm really not sure what il get paid in October though so let's hope I worked more than I can remember haha. 

savingholmes

Good luck for your October pay. Either way - hopefully your money will stretch further now you're adopting MSE ways

Catty89

Had our Mot done on Monday and it was £200. We were pleasantly surprised as needed new window wipers, brake pads, a couple of lights had gone too ...... Anyway we realised it was cheaper than we expected as we never got a service. That will have to wait now, they don't do services at the garage we out it too I'm not sure why it didn't click haha. 
Being an adult is expensive work!
I am in the mood to start properly changing my spending habits, iv £15 until Monday, to me I shouldn't be that close to the wire every single month. We do have savings but it's not accessible for me unless desperately needed I can't just dip into it if I ran out of petrol etc. Need to get myself in gear when I'm paid. 

badmemory

Never get an MOT done at a garage that does the repair work.  The service managers have targets to meet each month & guess who is going to have chargeable work done if they aren't making those targets?  Main dealers are the biggest offenders.

Catty89

badmemory said:

Never get an MOT done at a garage that does the repair work.  The service managers have targets to meet each month & guess who is going to have chargeable work done if they aren't making those targets?  Main dealers are the biggest offenders.

I'm lucky that the mechanic is OHs friend so he has done us the best he can by looks of it....just that we stupidly didn't ask him for a service and an mot, our fault there. The bill looks all well priced really just the dread that now need to get a service too.

savingholmes

Feel you on car bills. £82 on a tyre, £40 on mot and that's assuming mine passes...

Adulting is tough sometimes but there are perks

Catty89

Almost a new month pay wise. Iv been looking up different YouTube videos showing cheap meals and came across someone who does family meals for £2. They seem really easy and there were some of them I think the kids would eat so iv done a really budget shop this week at Aldi £46 and hoping I can be good and stick to it. I did spend alot more than the £2 meals but needed alot of fruit, toilet roll, packed lunch things and breakfast bits.
I think to really be on a mega budget we'd have to give up alot of the fruit etc and I'm not really willing to do that. 
I watched some Dave Ramsay videos and one of them was saying if you were told you had 15 months to pay off your debt or you would die  you would have it paid off you would work all the hours and sell everything. Live off beans and rice and get it done. It's so true but I just can't get to that place where it's my entire goal as right now my goal is mostly just making it through the month. It was nice to hear different perspectives though. 

savingholmes

I think DR can be good for increasing a sense of urgency - I think it is hard to maintain long term though. I think some people on here describe doing sprints - I think that's what I do - go hard and then have a bit of a rest and then go hard again.