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Small steps lead to big changes...
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Payday this week was nice as I got the payrise and back pay so I got a nice £700 odd extra. I have been very good with it, so I sent £600 to my PBs and £100 to the mortgage. When I fully understand what my new take home pay is, I'll look at upping my AVCs.
My plan for next year is to focus on 'resilience' so building up savings and having that emergency pot.
No word on DH's job yet, and I won't know til early next year, but I'm increasingly hopeful about surviving this round.
I've got two high pressured days on Monday and Tuesday, then I hope things will settle a bit and my anxiety might ease a little. We are off out today for little miss's birthday day out, so that should be nice.
Have a good day everyone.
"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee3 -
Enjoy your day out.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.2 -
Thank you, it was a good day, but sooo cold! Just about to snuggle in with my hot water bottle and blanketbeanielou said:Enjoy your day out."Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee1 -
Love a good hot water bottle 😍😍Sealed pot challenge 822
Jan - £176.66 :j2 -
Me too, I'm permanently attached at home when I'm working or sitting downdawnybabes said:Love a good hot water bottle 😍😍
"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee1 -
Today's PAD - £5
Jan - £141
Feb - £139
March - £89
April £149
May - £79
June - £270
July - £253
August - £173
September - £120
October - £151
November - £175
December - £27
"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee2 -
We had a nice day out yesterday. Freezing cold but bright and sunny. Funnily enough it had been thick fog and gloom all day at home.
I've done a bit of admin this morning including completing the driving licence application, so will get that sent off. I've booked and paid for school lunches up til Easter so that will be something I don't need to worry about now til March or so. They take packed lunch 3 days and have school lunches 2 days. I must say I love those two days not having to faff about with lunchboxes!
We've put up some Christmas lights and decorations this morning, and will try and get the tree down later so we can get that up as well."Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee4 -
You have been a busy bee.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.2 -
Good.jwil said:You would certainly be chilling here 😂🥶I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.2
Chilling this afternoon.Confirm your email address to Create Threads and Reply
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