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Saving lots in pots!

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  • ~FlowerPot~
    ~FlowerPot~ Posts: 1,367 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    edited 28 September at 10:03AM
    Just caught up.

    You've probably already done this but look into college / uni financial support for the kids, especially if they're in receipt of DL@ or P!P; also its a free bus pass from the local authority if they are.

    Sorry to hear you're feeling burnt out, however not surprising and you did well to get this far.
    Hi MF
    Unfortunately, no help for us, no dl a or pip and family income too high!

    But at least DD is still attending college, it's been a challenge these past 3 weeks as its such a massive change for her. But at far so good, I am quietly optimistic now she will cope. I really wasn't sure she would be able to handle it. 
    Ds2, it's feeling better and DS1 will be coming home later today. 

    ❤️Gratefuls❤️
    Seeing DD excited at a concert last night and pushing through her anxiety to cope with 20000 other people 
    Time to spend with DD, going to a very big bookshop today 
    Comfy boots to keep my feet dry and comfortable whilst walking the wet streets of London! 

    ♥️ Your thoughts are incredibly powerful. Choose yours wisely ♥️ = Dr Joe Dispenza =
    🌸🌸🌸🌸🌸🌸🌸🌸
    Decluttering 2024🎖️🎖️🎖️🏅🏅🥇⭐🌸 DS2🏅🏅DD 🥇🌸
    ⭐My rambling savings Diary ~⭐
  • ~FlowerPot~
    ~FlowerPot~ Posts: 1,367 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Gratefuls today

    💜Breakfast in bed, it's 11am and I haven't got up yet! So nice to give myself permission to be lazy! Partly it's recovery from being in London and late nights and partly it's because I bought a new book which I am finding extremely helpful. 
    Quite funny though when I think about it, as point 1 is to get up earlier in the day! Hah!
    🩵A beautiful sunny day with blue skies and the birds tweeting away. Lovely to have the windows open and freshen the place up abit
    🧡Money, although I downy to much in London, I am si greatly I have the money to balance the accounts.
    🩵 A brand new notebook, bright yellow and cheery, so I can make notes on this book and follow my progress. I do love pretty stationary, it is a weakness of mine! 
    ♥️ Your thoughts are incredibly powerful. Choose yours wisely ♥️ = Dr Joe Dispenza =
    🌸🌸🌸🌸🌸🌸🌸🌸
    Decluttering 2024🎖️🎖️🎖️🏅🏅🥇⭐🌸 DS2🏅🏅DD 🥇🌸
    ⭐My rambling savings Diary ~⭐
  • ~FlowerPot~
    ~FlowerPot~ Posts: 1,367 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    edited 2 October at 8:05AM
    gosh last day of Sept!

    🧡🧡Gratefuls🧡🧡

    Lit the wood burner, so grateful for free heat, we have piles of wood, so thankful for that. ANd the fire cheers up a dreary day.
     
    To all my patients turning up on time today, thank you!

    For the afternoon off, lush!
    ♥️ Your thoughts are incredibly powerful. Choose yours wisely ♥️ = Dr Joe Dispenza =
    🌸🌸🌸🌸🌸🌸🌸🌸
    Decluttering 2024🎖️🎖️🎖️🏅🏅🥇⭐🌸 DS2🏅🏅DD 🥇🌸
    ⭐My rambling savings Diary ~⭐
  • Skint_yet_Again
    Skint_yet_Again Posts: 7,975 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    It’s definitely the end of summer Flowers 😆

    Hope you have had a nice relaxing afternoon off.  Great that you have free wood. When I had a tree chopped down last year I gave all the wood to my neighbour for her log burner. Hopefully it’s seasoned enough for her to burn this winter. 
    0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
    House sale OCT 2022 = NOW MORTGAGE FREE 🤗
    House purchase completed FEB 2023 🥳🍾 Left work. 🤗

    Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).

    Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1

    Living off savings diary
    https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p1
  • itsthelittlethings
    itsthelittlethings Posts: 437 Forumite
    100 Posts First Anniversary Name Dropper
    edited 1 October at 6:42AM
    Hi FlowerPot. I would like to start saving in pots. Any hints? Love the diary BTW ❤️ 
    3000/6000 emergency fund
    160/600 sinking fund

  • ~FlowerPot~
    ~FlowerPot~ Posts: 1,367 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Thanks SYA, the wood burner was fab yesterday, so nice, ive just relit it again!!

    Hi FlowerPot. I would like to start saving in pots. Any hints? Love the diary BTW ❤️ 

    Hi there littlethings, I am no expert with savings pots. But I have no doubt that having specific pots for specific purposes is really really helpful in acheiving savings goals. I quite like collecting bank accounts!!!!, which means I have lots of places to keep a pot!
    The St@rling acc lets you have what they call saving spaces, which is great as you can seperate your money, call it what you want and choose a picture!
    BUt nowadays I tend to prefer my Ch@se acc, as it lets you opend savings accs (i think I have 6!!) and they all are on 3.85% Where as the St@rling isnt a good rate at all. These savings account also let you give the pot a name.
    I have an xmas one, a car one (for car ins/MOT/ service) a tax one (im self eployed) A holiday one, a pet one and another savers account somweher else with my EF. ooh and a pension one ~ I add here untill I get a round amount and then transfer it to the pension.
    SO decide what pots you need/want and go from there. Some have an automatic transfer and others I add in what I can each week

    flowers x
    ♥️ Your thoughts are incredibly powerful. Choose yours wisely ♥️ = Dr Joe Dispenza =
    🌸🌸🌸🌸🌸🌸🌸🌸
    Decluttering 2024🎖️🎖️🎖️🏅🏅🥇⭐🌸 DS2🏅🏅DD 🥇🌸
    ⭐My rambling savings Diary ~⭐
  • ~FlowerPot~
    ~FlowerPot~ Posts: 1,367 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    edited 2 October at 8:05AM
    💙Today's gratefuls💙

    Delicious mashed potato, take comfier good for a cold wet day! Yum
    Money to pay in to the bank today 
    Meditation weekends, rather naughty but i just paid for one this weekend, it was rather delayed in being confirmed, can't wait to meet the gang and meditate together xx
    ♥️ Your thoughts are incredibly powerful. Choose yours wisely ♥️ = Dr Joe Dispenza =
    🌸🌸🌸🌸🌸🌸🌸🌸
    Decluttering 2024🎖️🎖️🎖️🏅🏅🥇⭐🌸 DS2🏅🏅DD 🥇🌸
    ⭐My rambling savings Diary ~⭐
  • debtfreewannabe321
    debtfreewannabe321 Posts: 8,273 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    These meditation weekends sound amazing. I should have a look for one myself!
    MORTGAGE BALANCE January 1st £99224.13 🤨 September 1st £120, 615.59 😬
    Emergency Fund goals:- £2561.91/3000
    MOP goals:- £85/ 1000 (before August '25)
    SnowBallFund:- £489.05/1300 (before March '25)

    New house, new jobs, new debts 😒
    Car- 0/12386
    Carpet -0/1500
    CC - 0/1792 Paid 🥳👏
    Car Ins- £434 Paid 🥳👏

  • MovingForwards
    MovingForwards Posts: 17,114 Forumite
    10,000 Posts Sixth Anniversary Name Dropper Photogenic
    You are doing so well and I'm proud of DD for wanting to attend the gig!

    I've looked into the weekends myself. The ones down south are reasonably priced for everything included. 
    Mortgage started 2020, aiming to clear it in 2026.
  • ~FlowerPot~
    ~FlowerPot~ Posts: 1,367 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    edited 2 October at 6:19PM
    Thanks DFW, you should book one. The ones I do are rather unique, they are all people who have been to a Dr J03 event. So we have the right. 'energy' but much, much cheaper than the real events and skating the events are a week long and mostly in the US.

    Thanks MF, 
    I am very proud of DD to, although her beaviour had been horrific, I know it's because she is struggling with college and trying so so hard to keep it all together.
    Hopefully she will settle down soon!

    So it's Wednesday and a dull morning but dry at the moment. 
    I have work later but first this morning, i am going to finalise my vision board  ✅
    Then I'm going to meditate on it. 

    I am trying to do one sorting / tidying / decluttering job a day, to help get the house in a better state. Yesterday I did the dining room table and listed 15!!! Study guides for sale  collected over the last few years and hopefully they will leave the house. Now listed I have popped them in DS2s room. So they are out of the lounge!
    Hurrah! 
    Today's others jobs will be...
    the landing upstairs and the loo! Such fun,!✅
    Plus my accounts as I'm way way behind!✅
    My healing work 

    💛Gratefuls today💛
    . Hot cross bun for breakfast, very yummy! 
    . Breath work. I read a bit in my new book about very slow conscious deep breathing and I have been trying to do this consciously, much more through the day. It is definetly helping my feel more relaxed 
    . This forum for inspiring me, there are some very, very lively people on here and I love how supportive they are to others xx

    ♥️ Your thoughts are incredibly powerful. Choose yours wisely ♥️ = Dr Joe Dispenza =
    🌸🌸🌸🌸🌸🌸🌸🌸
    Decluttering 2024🎖️🎖️🎖️🏅🏅🥇⭐🌸 DS2🏅🏅DD 🥇🌸
    ⭐My rambling savings Diary ~⭐
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