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Drowning in £16k of poor decisions
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Tiredbutdetermined said: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!Tiredbutdetermined said: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?Life gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £25711
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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 xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £25710 -
Tiredbutdetermined said: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?0 -
LittleMissDetermined said: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 x0 -
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!0 -
If you’re shopping around for TV package deals it’s worth checking the cashback sites in case there are any offers xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £25711
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LittleMissDetermined said:If you’re shopping around for TV package deals it’s worth checking the cashback sites in case there are any offers x1
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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!
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I keep a spreadsheet of spending - certainly a wake-up call.
- £25 a WEEK on odd coffee out, in fact cafés in general.
- Gave up drinking as well, so those together save me £50+ a week.
- Smartmeter showed me where I was wasting electricity - fan heater 50p an hour. Good grief!
- 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.
- Bus pass! Certainly got some value out of that.
Now a gainfully employed bassist again - WooHoo!0 -
RobM99 said:I keep a spreadsheet of spending - certainly a wake-up call.
- £25 a WEEK on odd coffee out, in fact cafés in general.
- Gave up drinking as well, so those together save me £50+ a week.
- Smartmeter showed me where I was wasting electricity - fan heater 50p an hour. Good grief!
- 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.
- Bus pass! Certainly got some value out of that.
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 in0
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