From £6000 ----> £9000 in 2023.

savingwannabe

VVV mse, enjoy the gym and massage. Well done on low price shop. 

NinjaSavingKat

Thank you!! I forgot I clocked out of work early the week before and was expecting at least an extra £10 to spend yesterday. So.. I'm gonna ration the coal this week..lol. Whoops. 

£15 item sold on Vinted. Didn't see that coming. Very happy. Will create an account somewhere (don't like leaving money on Apps).

I'm hoping to purchase a dehydrator this year and the less money from wages I put towards it the better. Hopefully a birthday gift in 4-5 months. 

NSD today. Currently making oven crisps from sliced potatoes as I didn't buy any junk food yesterday..purely for movie night tonight. 

Simple life..😁

MovingForwards

Simple life is good, allows you to work out what means the most to you and what direction to go in.

NinjaSavingKat

So - dentist rang on Friday - rearranged appointment to today. 

I am hoping no more than £35 for check-up and the damage to my tooth " a la candy cane" can wait a little as its not painful. I might need to get the temporary crown fixed as there isn't much tooth going on. 

May try to make appointment for the real crown to be done in the summer and get it out of the way.

£75 this Friday payday will be for all essentials. £25 on petrol (insurance in March so car fund needs to build up uninterrupted), £20 on coal and £30 on food.

A stock up is required on some basic items (flour / nuts / teabags etc) so will be sat this evening doing a list to find the best options. Thrills. 

Everyone aware of www.trolley.co.uk? 

[Deleted User]

Very interesting diary. May I ask how old are you are and do you own your own house or rent? Do you have a pension set up too? Also to put your budget in context what is your approximate income? Thanks.

Sorry just seen that you pay rent. I take it you are living with your parents.

NinjaSavingKat

Good Evening Moneysavers. 

Dentist today came to £73. Might need to go back in a few months....

Car account is nearly empty and The Other Account is empty empty.

Postage for Vinted item was guesstimated stupidly at £1.99 / actually came to £3.30. Negative £1.31, Also spent £3.49 of junk food purchased on a whim because its my treat after the dentist for making it through with no new fillings...

Punishment = this £4.80 will be removed from my food budget on Friday leaving me with £25.20.

Its not fun starting at the beginning again and being this dependant on the pennies is a little depressing however everything has to start somewhere. 

I am grateful to be debt free, to have a job that allows me to save and my HEALTH!

Hello @[Deleted User]... I earn a grand total of £325 a week on an hourly wage. This is to get better soon as I have been asked again to take on the assistant managers role by my manager today. 

Pension no - apparently. Enquired today at work. Manager was a little surprised its not coming out of my wages. We will both be checking on this again tomorrow. Worth having a private one do you think?

Yes living in parents house - explained in previous post. My age is my business...

[Deleted User]

Thank you for your responses. The only reason I asked about age was regarding pension planning and nothing personal. You do need to check if money is bring deducted for a pension and if so where it is going. You should have been given at the very least a scheme booklet. Even if you are not contributing very much every little helps plus, of course, the contribution from your employer. Best wishes.

NinjaSavingKat

@[Deleted User].. have no fear I know what you meant. It put the idea in my head and allowed me to actually put that question to my employer. I have never wanted to be here as long as I have (3 years) and would have like to be elsewhere by now so it was never something I wanted - to get THAT embedded with them.

However it is something I need to get on top of asap. I had one from a previous role so all is not lost. 

I have also got that rejection letter from the better paid job I applied for. I saw it coming, my brain drain is strong in this current position and there is no real challenge to the role... however I shall work on that elsewhere and reapply later in the year if the opportunity arises again. 

My manager is very happy I didn't get the job..;-).. So we shall see about a proper contract, pension etc and pay rise in the coming week. I would say a nominal interview will be needed. They have had NO applicants for this role externally so I think they are quite desperate. Not flattering but there is a few more pennies to be made. 

Question to you all... if you have an extra £200 a month how would you distribute it among your savings or day to day living?

savingwannabe

How funny, that's almost what i had as a pay rise with my new job ( £185 extra once my travel was paid for), i have saved an extra £150 and put the £35 into fun money. I hope you get the new role and agree that pensions are worth it. Keep applying for new jobs though, applying for one is good as it improves interview technique.

Stay strong you are doing really well. 

NinjaSavingKat

Well... to say my manager was happy that I didn't get the external role is an understatement. I even think there was a little dance. I have an interview as part of the formalities early next week so hopefully the wage increase will kick in the week or so thereafter.

I am not holding my breath though - there has been underhand dealings here with staff being let down so we shall watch this space.

Shan't count my chickens if that makes sense.

Chased up on the pension concern, have yet to have anyone come back to me on it. There was a hint I may have signed an exemption form but I don't remember this - which means I have lost out on the last three years of employer contributions yes I believe.

Will be working on the food list for the week tonight - anyone else scoot between Lidls, Tesco and Asda..? We don't have a Morrisons or Sainsburys. 

Will be nice to see some money in the accounts on Friday. 

1. Vet for Moggsy on the 29th January - £150 minimum. 
2. Car Insurance due 9th March - £350 minimum (will be doing some serious research on this!)

These are main concerns that are creeping up fast. Vinted money will go in one of these accounts for now I think. 

Phew!