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Health pot would be the usual one, but can see how there wouldn’t be a health pot as prescriptions are free in Wales.warby68 said:Popping in to nag a bit but make sure the Boots spends, even though small, get knocked off the budget allocations. Not sure what the appropriate categories are on your budget but guessing groceries might cover the chemist item and clothes for the tights. Great bargain there btw. A good budget makes sure you have enough money for the month so you can pick things like this up.
RAC cover - you only have one vehicle now so no need for Mr Fox to be covered as an individual, give Mr Fox the task of finding cheaper cover; a Quick Look on Autonational Rescue and its £40 for the year; that’s a massive savingfoxandflowers said:I wrote a big reply and its all gone because I closed the wrong tab by mistake. I ought to stop titting around on here when I'm supposed to be working, but it is helpful.
DVLA is the van tax - should actually be £12.25 - I didn't spot that when I was updating everything. Insurance wise, I have until October before the van insurance is up for renewal, so at that point I will see about paying for the year up front. There is £800 in the 'van' pot currently, and if we manage to sell it / px with a smaller one, then I would like to pay that cost upfront.
RAC is invididual cover, not vehicle cover. It covers Mr Fox whatever vehicle he is in, and it was £13 initially but the costs keep going up and up. I've got 3 months free but not until next year.
I would love the clothes to be Vinted funded entirely - sell £40 worth and spend £40 worth. A revolving door of £40. My downfall has been Vinted. It's brilliant for getting rid of things and making some money, but it's also really bad because it's essentially a charity shop that I can search. I keep seeing things on there that I would love, or would have loved when I was younger and poorer, only now I have adult money and my mum doesn't judge my outfit choices. Dangerous. Hence needing to set that at £40, otherwise I can fall in a wormhole and then its game over. I would like to try Porject 333 but need some time to figure out what I'd pick for my items! And it's still too cold and wet to start the "Spring" category.
The rest of my hobbies are really pretty low cost. I love to read, but I get all my books for free, and book club is only £2.50 a month, when I do go. Sea swimming, again, is free. I found an extension on Firefox that blocks ads on Youtube, so as long as I watch on my laptop, I can carry on not paying for it. I have enough cross-stitch kits to keep me going through the apocalypse.
The only thing I really miss is having my nails done. But I am trying to get behind doing my own nail care. It's been about two years since I last had a set done. I don't compromise on my brand of oat milk, or using liquid hand soap instead of a bar, and I have a diet coke habit that is strictly limited to a can a day. But most other things have fallen by the wayside.
Amazon Prime is still going currently, I did cancel it, but then we brought it back as the one thing we couldn't find cheaper after subscribe and save discounts was filter coffee and razor heads. Plus the entirety of House is on Prime Video, I use Kindle First Reads for my one free book a month from them, and we use the perks from Amazon Gaming towards PS games/Pokemon Go.
On lunch today I went to Boots to get some more spot patches as my skin has been really bad recently, and they had shapewear 60 denier tights on sale. Normally £7.50 but as they are discontinuing them, they were reduced to 50p! 3 pairs left and I bought them all, as I only have one pair that fits and isn't bobbly. Hurrah. Absolute bargainy goodness.
Not sure if I wrote this badly, but I wasn't criticizing the pots just reminding Fox to account for even the small spends so the pots don't look fuller than they should.Kim_13 said:Health pot would be the usual one, but can see how there wouldn’t be a health pot as prescriptions are free in Wales.warby68 said:Popping in to nag a bit but make sure the Boots spends, even though small, get knocked off the budget allocations. Not sure what the appropriate categories are on your budget but guessing groceries might cover the chemist item and clothes for the tights. Great bargain there btw. A good budget makes sure you have enough money for the month so you can pick things like this up.
£40 for clothes doesn’t seem unreasonable as Mini Fox also needs things at the minute.Premium Bonds keep the money more out of the way than a standard savings account - no notice required as such, but it does take a day or so to get the money.
warby68 said:Not sure if I wrote this badly, but I wasn't criticizing the pots just reminding Fox to account for even the small spends so the pots don't look fuller than they should.Kim_13 said:Health pot would be the usual one, but can see how there wouldn’t be a health pot as prescriptions are free in Wales.warby68 said:Popping in to nag a bit but make sure the Boots spends, even though small, get knocked off the budget allocations. Not sure what the appropriate categories are on your budget but guessing groceries might cover the chemist item and clothes for the tights. Great bargain there btw. A good budget makes sure you have enough money for the month so you can pick things like this up.
£40 for clothes doesn’t seem unreasonable as Mini Fox also needs things at the minute.Premium Bonds keep the money more out of the way than a standard savings account - no notice required as such, but it does take a day or so to get the money.
Personally, I don't think the Premium Bonds timescale is enough to be a strong deterrent but I agree its pretty good.
Brilliantfoxandflowers said:Oh and @warby68 I have been diligently putting things into my spending tracker so it shows me what is left available in each pot. From next month, ideally I will be paying for groceries/fuel from the relevant virtual cards, so I don't have to touch my bank balance at all once the salary is sorted into the right places.
