Getting FIREd up 😀

Cheery_Daff

Good grief. We've travelled all the way to Wales and the cheapest on route was 183.9 🙄

South_coast

You need to head south, Cheery 😀

South_coast

My ISA is in the green!!!


(Hopefully it will stay that way until I do my monthly check-in tomorrow....🙄)

edinburgher

Did you open it on Friday? 

South_coast

Right, time to check in on the monthly goals 😱

South_coast said:

Money....
* Save 60% of my salary each month:
- Pay £300 a month into the LISA
- Rebuild my EF to £4800
- Start saving for the refurb once the EF is complete
68.4% saved this month. This will be the new normal now, as the NI threshold increase has kicked in and I've had a bit of a payrise, but I've resisted the urge to try and save any more and will stick to my nice round number instead
LISA pot is full and set aside
EF is full
Refurb saving is on hold for a bit

* Anything else I can spare above 60% to go into the S&S ISA on payday
Nothing else to be spared this month

* Any free money or underspends to be paid into the monthly pots
These all went towards trying (and failing) to keep myself in the black. The aforementioned increases in income will help with that going forward, so hopefully I can enjoy free money again soon!

2022, the year of happiness....
* Get out and explore somewhere new once a month
Er, no

* Try out a new recipe once a month
Er, no. That's nothing new since April now 🙄, but I am at least continuing to cook some of the dishes I tried out earlier in the year

* Try to be more upbeat and positive - and don't succumb to ranting at/about work
🤷‍♀️ I think I've been OK with this, struggling to think back at the moment!

* Try and have a couple of little trips away, one UK, one Europe
UK trip taken. I also now have a £1000 "Holidays" account, so I am theoretically always ready to either book or take a holiday (will top back up to £1000 each time I take any money out of it)

Sundry....

* Write a will 
Er, no

Bleurgh, a C if I'm being generous? I've been super-tired this month (even did a Covid test the other morning to see if that would explain it), so have slipped back into a few bad habits of weeknight drinking and going food shopping after work because I've not spotted I'm going to run out of something when I wrote my shopping list for my main shop. These then feed into each other, as food shopping makes me think "Well, while I'm here, I could pick up a bottle of coke, I've got some vodka at home", which leads to weeknight drinking, which also leads to me not getting home until 7.30pm, both of which lead to me being more tired, which makes me more susceptible again the next day!

I will do better in August!

South_coast

edinburgher said:

Did you open it on Friday? 

Ha, no 🤣! 

South_coast

Actually, reading back I think a C might be a bit harsh. On the goals listed above, I didn't do that badly, I'm just marking myself on earlier years at the same time, as they should have be nailed by now 🤦‍♀️!

edinburgher

Epic savings rate 👌

South_coast

Thanks Ed 😀

Cornish_mum

Brilliant savings rate, and smashing your goals! Well done CM