Now for a healthier, wealthier me

amber03

There was a small lending library onboard the ship where u could donate books as well. I had a look there but only a small number of books and none took my fancy. The day we disembarked I walked past the book case, it was crammed with books and some left in a pile on the floor. Think everybody decided to leave their books they had brought and finished instead of taking them home. Lesson learnt dont take a book by a new author with you in case you don’t take to them.

LittleMissDetermined

Good morning and happy Monday, I hope you're all doing well and had a good weekend?

I'm hoping for a stress-free week this week, I only have plans tomorrow evening and on Saturday so I should get some decent down time to relax a bit and pick up a book again!

As it's the first of the month the interest has gone in for my savings which is always nice :) Although I realised I've not PADded my mortgage, only the sabbatical £5 so I need to go back and do that.

It's a NSD for me today, I'm aiming for 20 again in June, it's a quieter month for me so hopefully it will be achievable.

Nothing else happening here, take care!

LMD x

LittleMissDetermined

Hi all, apologies for being MIA again, I have been saving and PADding and declaring my NSDs but real life happens and it's all a bit stressful at the moment.

The work thing is still up in the air, I am trying not to stress about it, but it's difficult and always there in the back of my mind. We should know more in the next few months.

I've filled my 13th envelope this morning for the challenge and I've also paid £5 as usual into the sabbatical fund. My sealed pot has now reached £3k which I am surprised at due to not using the dice challenges for that this year. Pleasantly surprised!

It's not a NSD for me today as I have a nail appointment and then I am off to the hairdressers tomorrow. A long overdue cut is needed so I will probably have to have quite a bit taken off unfortunately.

I should have a bit of budget left tomorrow to re-allocate to sinking funds, we will see what happens today :)

Hope you're all doing OK and have had a good week so far

LMD x

AntoMac

I could see you were still posting on other threads LMD, so figured that day to day life was still challenging for you.

If your employer is anything like mine you probably feel more like a number than a person. I have the opposite problem, if it can be classed as a problem, in that I would happily take a payoff but don’t get considered, whereas a number of those who are made redundant would like to stay 🧐

As mentioned before you are much better placed now financially for any unwelcome news than you were a few years ago. I think it’s human nature to play out worst case scenario in our heads, but worst case scenario rarely plays out.

LittleMissDetermined

Trying to be better and keep on top of my diary, it doesn't take long and my posts don't need to be exciting. They just need to keep me on track and accountable, so here goes…

PAD today included £30 to the sealed pot from left over weekly budget and £5 to the sabbatical as usual. I do find that re-allocating any extra budget I have left at the end of the week keeps me mindful of what I am spending. It's quite nice to see what I have left to add to savings.

I need to try and remember to book my car in for an MOT, which could be costly… Thankfully the MOT isn't due at the same time as my service as it was a pre-registered car when I bought it so it was 6 months registered with only 20 miles on the clock from test drives. I do love my car very much, she's 7 now but is serving me well.

Hair cut later, I'm quite nervous about that but the good thing with hair is that it grows back 😊

Right, I'm off to get on with my day off, starting with laundry and housework.

LMD x

LittleMissDetermined

https://forums.moneysavingexpert.com/discussion/comment/82032589#Comment_82032589

Totally right with that middle paragraph there Ant…

LittleMissDetermined

Hi everyone, I hope you all had a good weekend, whatever you got up to.

My weekend was very quiet, and non-spendy! I had a friend visit for the day on Saturday and we had a lovely time catching up, it was also a sporty weekend with F1 and football. I'm glad it was a spend-free weekend as that makes up for the hairdresser's bill - I don't even want to talk about it, but needless to say my 'Hair & Beauty' sinking fund needs fully replenishing 🙄 I do like what they did with my hair though!

Today's PAD is just £5 to the sabbatical fund. It's also a NSD today - yay

Books wise, I am really struggling to settle into my latest book. I don't know if my mind is too full of stressful things that I'm finding it hard to relax and escape into the pages, as I've read this author before. Who knows? Anyway, I'll persevere as usual.

Not much else happening at the moment, other than counting down to my next holiday as ever! Haha

Much love,

LMD x

LittleMissDetermined

Good morning, hope you're all OK? I was on my day off on Tuesday and then was on calls from very early yesterday as well as having to catch up so I have missed a few days.

On Tuesday the car failed her MOT (her first fail) and the car sinking fund has taken a bit of a battering I'm afraid. Car repairs really are super-expensive! So now I have 2 sinking funds depleted in the space of a week!

On the up-side, dice rolls to the £10k fund yesterday totalled £83 and then this morning I have filled my £41 envelope for the 52 week challenge. Only 9 envelopes to go. The £5 to the sabbatical leaves my account without fail each day whilst I am still in the land of nod so that's never noticed.

So, whilst I know it's not actually the case, I am feeling a bit skint at the moment 😂 I need to get some more NSDs in before I am off and away for a night next week with DH to celebrate our anniversary.

That's all from me though

LMD x

AntoMac

Good job the sinking funds had been built up LMD. I do understand the frustration of them both taking hits though, but imagine how it would have been dealing with those costs in your old way of life.

How exciting to have nearly completed the 52 week envelope challenge 👊

LittleMissDetermined

Good morning - what a glorious day! We have clear blue skies here and I hope it's on the cards to hang around as it's about time we had some decent weather.

I've PADded £117 this morning, I've made the usual £5 sabbatical payment and then I have used left over budget and rounded what I could out of the bank accounts and sent that to the sinking funds - splitting it between the hair and beauty and car pots. It's what I had originally said I would do with spare cash and whilst they're not at target I will continue to do that. #feelingsensible

It's a NSD for me today, and I am hoping for a no spend weekend as I am only out tomorrow at a friends house and then will be at home on Sunday.

I love how you're so optimistic about my unexpected spends @AntoMac 😂 But of course you are quite right and this time 6-7 years ago that would have gone straight on a credit card to be thought about at a later date, at an astronomical interest rate. Whilst they have been pillaged, my pots have served their purpose and I'm glad I took the approach I did to my savings journey.

I have to go to work now - long weekend though as I am off on Monday next week - whoop!

LMD x