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Drowning in £16k of poor decisions

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  • LittleMissDetermined
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    As heartbreaking as it is watching the money roll in and straight back out again, I love front loading the month too so I know how the rest of the month is going to play out!

    Front-loading is the only way I can deal with it, I get too excited about a big bank balance otherwise! 

    I need to have a look at a monzo account. do you have your salary paid into yours or just use it as a subsidiary account?
    I use mine as a subsidiary account, but found that it was so easy to use I moved most of my money over (savings pots etc) from my main bank. 
    Life gets in the way...PADding is addictive...Saving's better than spending...
    2024 1p challenge #11 | Cash envelope challenge #01 | SPC #017
    Sealed pot 2024 £3347.15 | EF £1000/£1000 | Sabbatical £1155/£3000 | Holiday spends £726 | General Saver £3514.48
  • LittleMissDetermined
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    It sounds like you've got yourself a good budget plan there, and it's sensible to have a buffer in the first few months whilst you're getting used to it.
    LMD x
    Life gets in the way...PADding is addictive...Saving's better than spending...
    2024 1p challenge #11 | Cash envelope challenge #01 | SPC #017
    Sealed pot 2024 £3347.15 | EF £1000/£1000 | Sabbatical £1155/£3000 | Holiday spends £726 | General Saver £3514.48
  • Throughmyfingers
    Throughmyfingers Posts: 45 Forumite
    First Post Name Dropper Photogenic
    edited 2 June 2022 at 7:56AM
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    As heartbreaking as it is watching the money roll in and straight back out again, I love front loading the month too so I know how the rest of the month is going to play out!

    I need to have a look at a monzo account. do you have your salary paid into yours or just use it as a subsidiary account?
    Not at the moment, the only reason being is I have a (empty may I add) right to buy saver on my current account. Which I would like to start using hopefully, So I wont be closing my account anyway. I did read though if your salary is paid into there that you get it a day early, not sure if thats good or bad for me 😂😂  I did look at sterling but didn’t want another search when I already had the account (somewhere), if your planning on joining let me know and I can refer, we both get a £5er apparently! X
  • Throughmyfingers
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    It sounds like you've got yourself a good budget plan there, and it's sensible to have a buffer in the first few months whilst you're getting used to it.
    LMD x
    Thankyou LMD I am hoping coming on here will make me much more aware of where money keeps dissapearing to!! 😂 If something crops up I know to make a note and build into future budgets which is something I have never done x 
  • Throughmyfingers
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    It looks quite a nice day here already ☀️ First job of the day to get a wash on, its not going to be a NSD today I need to pop and get some cleaning bits and cat food. I am having a blitz today as the boys just want to stay home, I need to work a few hours at least though 😔 then tonight I am going to the gym.

    Reduced netfl!x down this morning, £8 saved a month and had an email saying my TV package is going up approx £20 this month as my deal is ending, so want to get those sorted today!  Enjoy your day everyone! 
  • LittleMissDetermined
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    If you’re shopping around for TV package deals it’s worth checking the cashback sites in case there are any offers x
    Life gets in the way...PADding is addictive...Saving's better than spending...
    2024 1p challenge #11 | Cash envelope challenge #01 | SPC #017
    Sealed pot 2024 £3347.15 | EF £1000/£1000 | Sabbatical £1155/£3000 | Holiday spends £726 | General Saver £3514.48
  • Throughmyfingers
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    If you’re shopping around for TV package deals it’s worth checking the cashback sites in case there are any offers x
    Thankyou, I am a Quidco addict so will be doing 😬 don't have the best signal here before so the internet is the tough part so I might have to stick where I am. I will be threatening to leave though to see how cheap I can get it xx
  • Throughmyfingers
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    Best deal for us was £25 p/m with £80 cashback - £220...I called virgin to leave and after a conversation with a very persistant gentleman managed to get my package reduced to broadband only at £14p/m  :) So from the end of June I will be saving £28 a month on this!


  • RobM99
    RobM99 Posts: 2,535 Forumite
    First Anniversary First Post Photogenic Name Dropper
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    I keep a spreadsheet of spending - certainly a wake-up call.


    1. £25 a WEEK on odd coffee out, in fact cafés in general.
    2. Gave up drinking as well, so those together save me £50+ a week.
    3. Smartmeter showed me where I was wasting electricity - fan heater 50p an hour. Good grief!
    4. Going to football was costing about £30 a game - although the season has finished - so adding those all up - that's about £80 a week with a few other odds.
    5. Bus pass! Certainly got some value out of that.
    Now not a gainfully employed bassist.
  • Throughmyfingers
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    RobM99 said:
    I keep a spreadsheet of spending - certainly a wake-up call.


    1. £25 a WEEK on odd coffee out, in fact cafés in general.
    2. Gave up drinking as well, so those together save me £50+ a week.
    3. Smartmeter showed me where I was wasting electricity - fan heater 50p an hour. Good grief!
    4. Going to football was costing about £30 a game - although the season has finished - so adding those all up - that's about £80 a week with a few other odds.
    5. Bus pass! Certainly got some value out of that.
    Hi Rob,

    It can be a real eye opener can’t it! I don’t drink but its coffee etc thats my downfall and popping to the shops on the way back from work! Thanks for popping in 
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