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From £6000 ----> £9000 in 2023.

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  • NinjaSavingKat
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    Dinner rescheduled. BOOM.


    “Nothing in this world can take the place of persistence. Talent will not; nothing is more common than unsuccessful men with talent. Genius will not; unrewarded genius is almost a proverb. Education will not; the world is full of educated derelicts. Persistence and determination alone are omnipotent".
  • NinjaSavingKat
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    Good Morning one and all. 

    Its been a very busy week fraught with all sorts of horrendous things. I have the Vet on Friday which I think will have to part come out of the Car fund - however losses can be recouped within the few weeks before paying for car insurance. I should make it by the skin of my teeth without using the CC. 

    This week saw a purchase of £50.15 worth of Dominos for me and the manager. Yes just two people.  

    Absolute, pure, utter day from hell. It had to be a pizza day.

    Wages came through with increase. So I now definitely have an extra £35 a week. I will need to sit down tonight and re-hash everything and make sure the extra is going where it should be. 

    Car insurance comparison this morning shows I can probably pick it up for under £300. Current company offered £314 so I might ring them and suggest they match what I find elsewhere. No harm in checking. Save me changing companies again. 

    Anyone know anywhere I can get Microsoft Office for MAC on the cheap? I do not want to use a subscription service or a cloud option. My lappy was reconfigured and I lost the package so now want to get it back in order to get my Excel spreadsheet game on. Lol!

    I may ask work if they have option but my day job doesn't need it quite like I would need in order to justify them paying for it - but may a discounted rate. I will ask this week. 

    Nowt else to add - so much to do, still selling on Vinted. Still haven't loaded any more items due to aforementioned week of hell taking over. 

    Time to make another list. Lol! 
    “Nothing in this world can take the place of persistence. Talent will not; nothing is more common than unsuccessful men with talent. Genius will not; unrewarded genius is almost a proverb. Education will not; the world is full of educated derelicts. Persistence and determination alone are omnipotent".
  • MovingForwards
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    I, and most of my friends, use OpenOffice on my PC, it's supported for Mac use and free.

    Pizza day is a must occasionally.

    IF you do have to put the insurance on the CC, pay most of it off from the car fund and clear the remainder by the next statement. Time it right to be used just as the statement is generated, clear it by the next one and there's no interest.

    Congratulations having the payrise, that's a nice amount per week.
    Mortgage started 2020, aiming to clear it in 2026.
  • duesouthtwin2
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    Well done on the pay rise! £35 a week is quite a lot. Definitely contact your current insurer and give them a chance to undercut the other companies. 
    Moving days for me now. Moving to my brothers to save £££ on rent and put towards a deposit instead. Wish me luck! 
    Debt free. House deposit £60k. Aim for £70k. 2024/2025- move to Scotland. Overtime at work. 2028- buy a horse
  • NinjaSavingKat
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    @duesouthtwin2... epic day for you. Good luck with everything. It's a big step but one in the right direction. 

    Yes will be calling my insurer this week. 

    @MovingForwards.. I should be just about okay for both. Will move money out of the long term savings momentarily to accommodate any shortfall and make it up in next week's pay. Want to avoid the CC altogether.

    CC limit is £1000. Should I reduce it? Question to the group. 
    “Nothing in this world can take the place of persistence. Talent will not; nothing is more common than unsuccessful men with talent. Genius will not; unrewarded genius is almost a proverb. Education will not; the world is full of educated derelicts. Persistence and determination alone are omnipotent".
  • MovingForwards
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    Don't reduce the CC limit, it spooks lenders and they assume it's the company who did it not you. 
    Mortgage started 2020, aiming to clear it in 2026.
  • NinjaSavingKat
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    Excellent thank you. 
    “Nothing in this world can take the place of persistence. Talent will not; nothing is more common than unsuccessful men with talent. Genius will not; unrewarded genius is almost a proverb. Education will not; the world is full of educated derelicts. Persistence and determination alone are omnipotent".
  • duesouthtwin2
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    How you all doing? Little update from me- I’ve just managed to scrape together all my savings and put the £4k into my new shiny LISA account in time for April so I’ll get the £1k bonus. Can’t believe it- I’ll have £5k as a starting journey to a deposit. Just moved in with my brother and I’m in the lucky position that this will be rent/bill free so that I can smash my savings and overtime at work to save for a deposit. Hoping to put £1000 min away a month. I’m looking at NSK’s previous challenges for motivation! 
    Debt free. House deposit £60k. Aim for £70k. 2024/2025- move to Scotland. Overtime at work. 2028- buy a horse
  • NinjaSavingKat
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    Good Morning All,

    So Dorothy's VET bill came to £303.70. This amounts to 7 extractions, pain relief, and an overnight stay.

    I have contacted the insurance company and with my excess at £115 plus 20% I may be able to claim back £127.96. Fingers crossed. 

    My Dad came to visit on Friday due to a massive electricity pylon needing to be replaced. He needed to oversee the work to ensure no damage was done to our expensive ornamental trees. While with me his mother died at the age of 95 yrs old in her own bed 2 hours away. He donated £100 to my Cat/Car fund in honour of her. :(...he has been her carer for 5 1/2 years. 

    With his donation and this coming week's payday I will have a grand total of £309 spare to pay the insurance for my car. I intend to contact the current company and reduce my over estimated milage and try to get it under £300.

    The long term fund remains intact and at £400. £50 from the start of the year's missing week payment made up as well.  Phew. 

    I also have to consider new work attire. They will not contribute as originally thougt. Might raid the charity shops. 

    So - busy week ahead, enforced annual leave tomorrow to accommodate and end of March push on having too many days to carry over, so I will be doing some work in the garden. 
    “Nothing in this world can take the place of persistence. Talent will not; nothing is more common than unsuccessful men with talent. Genius will not; unrewarded genius is almost a proverb. Education will not; the world is full of educated derelicts. Persistence and determination alone are omnipotent".
  • NinjaSavingKat
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    Well done @duesouthtwin2. I will need to get a few pennies in my LISA before my birthday 5th April
    “Nothing in this world can take the place of persistence. Talent will not; nothing is more common than unsuccessful men with talent. Genius will not; unrewarded genius is almost a proverb. Education will not; the world is full of educated derelicts. Persistence and determination alone are omnipotent".
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