Baby steps all the way to Financial Freedom

Gettingmyshiztogether

Dear diary 🤣

Just a small update today. I have had another payment leave my account... which is rather exciting in my little world at the moment and so a little more paid off of my debts and I have added a little more to my emergency fund. Emergency fund now sits at £500! 

I ve been feeling a little down this week. The job, I quit, because it was taking up too much time and energy, hasn't paid me. I was just working for one man and there was no contract. Despite this I still worked a week and a halves notice to tie up a deal for him. It's only for a smallish amount of money I am owed, but I ve asked about it three times now and still no payment. He keeps saying I will get paid. The first time he said he had forgotten to pay, but that wasn't true as I had reminded him twice last weekend during a conversation and still no payment. I asked again last night, and still as of today, no payment. So disappointing. Saying that I am grateful I have seen his true colours before it was any more money! My burnt fingers will heal. 

Anyway, glad I ve made some progress today still even if its not as much I had hoped for.

CL21

That’s so disappointing. As you say, at least you’ve seen his true colours before you got in any deeper. Don’t give up though 

LookingForPeace

Sorry to hear about the old boss - it definitely sounds like you're better off out of there! How long did you work there? My employment law knowledge is a bit out of date but if you did want to pursue it, there is an implied contract after a certain timeframe* so the lack of a formal one (which, in itself, is a breach!*) shouldn't stop you from claiming against them.

The progress on the emergency fund is great, nice one!! How does it feel to have £500 there if something does come up? 

* as I say, I trained about 10 years ago, this could be wrong now! 

Sarahwithlove

Might be worth asking on one of other forums what your rights are as you should be paid. Even if it's not much you earnt it. 

Gettingmyshiztogether

Thanks everyone for your kind words of support 💗

Just since September Matt, not long and I did think the same about an implied contract of employment but I am sure I don't have the energy to pursue it.

Thank you Sarah, I completely agree, I did a lot to help him out and he wouldn't have had the deal tied up without me (literally no one else to do it). I just keep repeating over to myself that how he chooses to show up in this world is not a reflection of me, and how I choose to show up in this world is more important. Still sickening. I have put my faith in karma I think now. I will chase up again on Monday 🙄

Nothing much more to report at the moment. DH has gone food shopping with a list and strict instructions to stick to the list 🤣🤣 he's very good at getting extra just in case bless him. We only need a small top up shop for lunchboxes next week, milk and fruit really. I am already over on my personal challenge of £250 for food shopping for this month. We usually spend around £450 a month but I had two freezers full after Christmas and so I thought I would challenge myself this month to be extra frugal. Turns out it was tougher than I had originally expected so I think we are more likely to be around the £300 mark this month. That's still a saving though and will be more money tucked away for a rainy day 😊🤞

Hope everyone has a super smashing great weekend! 👍 

Gettingmyshiztogether

Hi everyone, 

I have a small update!

Today I received a small payment from my old boss. He has told me that the rest will be paid this week 🤞

I am still so very confused as to why he felt the need to not pay me before, and choose instead to make me wait.

But!

I am so happy/ relieved that I ve had some of it. I should (fingers crossed) get the same amount again (if he keeps his word) this week. 

So, I ve been able to pay £100 into my emergency savings, £25 into my new (as of today) sinking fund for school uniform and £3.25 off of my paypal account. 

I am so proud of how I am managing my money right now and how things have changed so much for me since my lightbulb moment in September. Back then I was literally living in my overdraft. I would get paid, and that would clear it all and then I would be straight back into it to pay my bills.

I could never quite get ahead.

Now the thought of using my overdraft is an absolute no go zone. I have reduced my overdraft limit on both of my current accounts by half, and will be reducing them further in a few months time as I adjust. Not that I intend to ever use them again. There is just some sort of comfort in having them there "just in case" I have miscalculated whilst I learn to properly Budget. 

Anyway, those are my ramblings for today, I hope everyone is staying warm. I have my log burner on right now but don't plan to go to bed too late, as I have to be up at 3:45am for my part time job, so I won't be putting any more logs onto it. That's money saving right there 😊 

Blackcats

Well done.  You are doing really well.  Your emergency fund is growing fast.

LookingForPeace

That's great news @Gettingmyshiztogether !! 

I know how you feel about the overdraft. I switched accounts to one that had no overdraft, just to be brave and force myself out of it (after feeling the "safety" of a £2k overdraft for many years). They are not the friend of a budgeter in my opinion 

Gettingmyshiztogether

Sold an item so another £5 into the emergency fund.

£605/£1000

LookingForPeace

Woo nice! Inching closer!