Saving lots in pots!

~FlowerPot~

thank crunchie its Friday

So time for a friday round up:

✨Xmas saver 365 1p challenge completed £680, I added the final amount a little early so I can start buying pressies!!! PLus as of this morning theres £15 pound started for next year ~ go me!
✨Pension - finally put the pension app on my phone, so I can now more easily easily the amount £15 added this week
✨Health fund £80 (10 to add later today)
✨Car fund £61 (20 to add later today)
✨EF £1366 / £2000
✨Mortgage overpayment MMOP £60 for Aug and Sept. Oct now  stands £31 I needs a few more good paying studies!!

mostly going in the right direction, I am still awiting some payments and to get to the bank. SO cant complete figures yet.

DS1 has his birthday today 21!! Cant believe hes that old/ im that old!! And I wont see him as hes at uni. But im visiting on Sunday to take him out for lunch, I cant wait

MovingForwards

You are doing well. Treat this year as a practice run, figuring out what works / doesn't work and have another practice next year. By 2025 you'll have it sussed and it'll be easier.

~FlowerPot~

MovingForwards said:

You are doing well. Treat this year as a practice run, figuring out what works / doesn't work and have another practice next year. By 2025 you'll have it sussed and it'll be easier.

thank you @MovingForwards

Thats absolutely it, it takes time to get into the swing of things and to account for the annual expenses like insurances and the car!! Next year will be much better

~FlowerPot~

Happy Monday
Blooming wet here, have to say a bit fed up with it is an understatement The garden is so spongy and the path has become like a little lake!
Anyhow, the payments ive been waiting for have come through and so have done a little money shuffle and £35 has gone into the 52 week envelope challege. Im hoping when I've finished this week i can do another one, but today was only a couple of hours so funds will be down this week.
But i was actually glad not to be too busy today has feeling rough, this pain has got me down. Im not usually the depressed kind, but this pain and then the worry of when it will return is just horrible. 

Gratefuls today
Today I am greatful for our wonderful Woodburner, it cheers the room up no end
I am also greatful for snuggles with the pupster. He is very cute.
And thirdly, to DH who is cooking tea straight after finishing work. 💕

MovingForwards

It is very hard not letting pain get to you. Have you a microwave heat thing or a small hot water bottle that you can hold in place? This time of year isn't good for those of us with nerve pain.

You're doing so well financially and have totally turned that corner.

~FlowerPot~

Been AWHOL ~ life can certainly be a bit !!!!!! sometimes! It really seems to have been one thing after another since we went on holiday. I am more than ready for it all to settle down and start looking up a bit!

Only had 2 patients this week so funds are very low,

however I am really enjoying buying xmas pressies with my xmas fund!

Skint_yet_Again

Hope things improve for you soon Flower 🌸 Good to hear you are enjoying Christmas prep & it’s all coming from the savings pot 

MovingForwards

Things will settle, seems to be a run of poo which makes space for happier times.
Get the seasonal music on when wrapping and embrace  🎄🎅

~FlowerPot~

MovingForwards said:

Things will settle, seems to be a run of poo which makes space for happier times.
Get the seasonal music on when wrapping and embrace  🎄🎅

Skint_yet_Again said:

Hope things improve for you soon Flower 🌸 Good to hear you are enjoying Christmas prep & it’s all coming from the savings pot 

thank you guys. Ive been around but not posting!

Things are settling. thank goodness ~ Started the wrapping fest yesterday and will hopefully carry on this afternoon when I finish work.

DS2 birthday tomorrow, so then the tree can go up on the 15th! then Christmas can begin. ALways like to seperate their birthday from xmas, only seems right.

I am collecting DS1 plus girlfriend on friday and all his stuff. He is coming coming, not is not for him, sadly. There will still be quite a lot of debt mind as his hall contract requires full payment and you cant live there is you are not studying ~ so thats another 5 and half thousand pounds to pay ~ and guess who??? It has definetly cuased some tension in the house when we found this out. DS1 will have to get a job to help pay some of it back, but his mental health is a big issue and Im not sure how or when he will be able to work.

DH is still unable to drive due to eye, so I am running everyone found everywhere, thank goodness DS2 can drive and help out.

Money updates:

Well its been expensive times!!!! car needed 4 news tyres, 2 were advisoroies and 1 had a slow puncture, so seemed sensible to change all four. To the tune of £450 !!!

SO my motoring fund which only had £61 in it, beacuse it hadnt recovered from the mot and service is empty again. DH has offered to pay half. So I need to sort out the other bit from somwhere. I pretty much halted all saving payments about 3 weeks ago as it was just getting all too tight. I now need to reset everything and get those pots bulding up again.

Heath pot is empty due to wisdom tooth extraction that was over £400.

Side hustle has slowed down, only 1 regular monthly person, but actually this has been fine because I havent been able to give enough attention to that anyway. But I need to increase this next year so I can get those pension payments paid.

MMOPs have also been completly rubbish, while I was in so much pain I didnt even try and do any surveys, plus my widget thingy stopped alerting me!! but Im on it again now and have done £18 yesterday and this morning. I had a 2 parter £7 each day ~ nice Am really going to try and get my target this month. Im a quarter in so far.

Later on I am going to have a look at the finances and have a good think about 2024 and my prorirites for savings and plan my challenges. I would reaslly like to see DH set up a challenge too, im ever hopefull.

Todays gratefuls:

Its not raining!!

I have work to go to and its been a good week

My family will all be here together for Christams x

Have a good day all

Flowers x

~FlowerPot~

yeah!!

sold a pair of trousers on fleabay DH has a habit of not passing on the money when the item was mine, but I have persuaded him to pop it in as a Mortgage o/p so another £15 paid off.

We have also sold a 3 of the lego sets (funds to the uni fees account)