Now for a healthier, wealthier me

LittleMissDetermined

Good morning! I hope everyone is surviving the storms? We lost some of the roof of our pergola so we have taken the roof off completely to avoid any further damage. To be honest it needed replacing anyway so it's just made us crack on with it rather than waiting until the spring. 

I won't have a NSD today as I am out tonight, but won't be too spendy as I'm also out for dinner with friends on Thursday which will be quite spendy. I have added £5.50 to savings today as I had a 50p in the account to round down to the sealed pot. Tomorrow I will be doing my Budget with Ira inspired dice roll savings so the PAD will be a bit more

Other than that, the accounts should be quiet now until Friday when I get paid. It's a day early this month but that should be OK, rather than a whole week in December. 

Have a lovely day and stay safe and warm!
LMD x

AntoMac

Taking the rest of the roof off is a very good way of turning it into a positive LMD.

It’s turned quite mild sown here now, although I believe new storm is coming in tomorrow

LittleMissDetermined

Blimey this wind is messing with my sleeping pattern... I kept checking the pergola in the night but *knock on wood* the frame is still OK. We have a wood at the end of our garden with some tall and hefty trees. I can only hope they stay standing as I reckon they'd hit the house if they fell.

So, today is a NSD for me. Aside from coaxing the dog out and having to face bin-ageddon (again) I've nowhere to be and no desire to risk waking up in Oz. I have a pile of ironing to do tonight and will be catching up on some missed TV whilst I do it.

PAD was £26, which was £5 to the sabbatical and £21 to my dice challenges. I am really enjoying these and whilst they are currently being included in my sealed pot total, I may use them elsewhere when the time comes depending on the total potted. It's looking good so far.

Not sure what will be left at the end of the month yet as I am out for dinner tomorrow night with friends I've not seen for a good long while so it may be lengthy and therefore spendy. I will try to at least add another £20 to the sabbatical as a boost though.  That one's not a sprint though so I am OK with little and often.

Right, I feel I will need plenty of caffeine today...so I'm off to wake the coffee machine again
LMD x

LittleMissDetermined

Hi all, and happy Thursday... it's pay day eve for me but as I have plans to go out later, I won't be adding residual funds to any pots just yet. 

Hubby's pay day today and he (surprisingly) sent me £10 that he 'owed' me for something somewhere that I'd completely forgotten about... so I've sent that to the sabbatical along with the usual £5 as my PAD.

That's it from me today folks, I've woken up feeling rather under the weather so I'm hoping it's the after effects of lack of sleep rather than an actual illness.

LMD x

LittleMissDetermined

Tonight’s plans are cancelled so it is a NSD for me today after all.

Makingabobor2

Hope you feel better soon. I think its surprising how much we are affected by lack of sleep. If I have several bad nights in a row, I feel really awful. Trying to get back into a routine now to sleep better. I turn my internet off at 8pm now and bed between 9-9.30. Any later and I just can't sleep. My "to do" list for the next day, now has to be written by dinner time, otherwise I keep thinking of things when I am in bed and putting on the light to add more thigs to it. Next thing is I want to get new curtains. Ours are not blackout ones and the neighbours seem to have a new garden light that keeps coming on in the wind an then the way it is angled, it shines on out metal shed and reflects straight back towards the bedroom. 

LittleMissDetermined

Makingabobor2 said:

Hope you feel better soon. I think its surprising how much we are affected by lack of sleep. If I have several bad nights in a row, I feel really awful. Trying to get back into a routine now to sleep better. I turn my internet off at 8pm now and bed between 9-9.30. Any later and I just can't sleep. My "to do" list for the next day, now has to be written by dinner time, otherwise I keep thinking of things when I am in bed and putting on the light to add more thigs to it. Next thing is I want to get new curtains. Ours are not blackout ones and the neighbours seem to have a new garden light that keeps coming on in the wind an then the way it is angled, it shines on out metal shed and reflects straight back towards the bedroom. 

One thing that doesn't bother me is how light it is, I often sleep with the blinds open when my husband works nights. It's the noise that keeps me awake, I seem to have sensitive hearing (compared to my OH's anyway) and can wake at the slightest noise outside. 

As my plans have cancelled tonight I have sent a last £50 to the sabbatical before pay day tomorrow

LittleMissDetermined

Well, here we are again, it's Friday and it's PAYDAY!! Whoop-woo!

I've been moving my money around this morning and I have a well planned budget set for the month ahead. I am using cash envelopes too as inspired by Ira and will see how that fares.  If I can''t get on with physical cash I will just use weekly monzo 'pots' and add them to my apple pay each week as that's kind of the same...but in my head I keep going back to the fact that when I have an actual bank note in my hand, I am far more conscious of what I'm getting for it!  Will be heading into town to get the weekly cash tomorrow, but it's free parking on Saturday for 3 hours so I am hoping for another NSD as there's nothing I need in town at the moment.

Hubby has suggested 'we' tighten our belts over the next few months not sure he's aware I'm on 19 NSD's so far this month... (today is No19) 

Today's PAD was £5 to the sabbatical and £74.42 to the 1p challenge which is April and May's payments. I am aiming to get that completed early so it can be part of my sealed pot.  Over the next few months I need to start squirrelling money for the holiday too, that needs to be paid in June and then I will need to save spending money as we go before the sealed pot gets opened (oh no!) 

That's all from me today. Hope you all have a lovely weekend.
LMD x

LittleMissDetermined

Good morning, what a dark, rainy and miserable Monday... I hope it's better weather this evening as I need to go out and we know people are rubbish at driving in the rain. 

Today is a big savings day for me, I bought some scratch off challenges earlier in the month, plus Monday is cash envelope saving day and I went for the biggest. So £82 went into savings as well as my £5 sabbatical offering. I used left over cash from last week to do the scratch offs and that seemed to work. I still have enough for the week ahead.

Today won't be a NSD, I am off out with my sister this evening and then out again tomorrow so I won't hit my NSD target for the month. But we did have that unexpected visitor for the week and I ended up spending then so to be 1 short isn't as bad as it could have been. 

That's pretty much it from me today. I hope you all have lovely days and that it's not as rainy where you are.
LMD x

Keedie

Just caught up on your diary and it's good to see you giving cash budgeting a try. It's really opened my eyes to how wasteful I can be with my spending as it really irks me to get pennies back in change or to break a note it has to 'worth it'. Whereas I can tap all day everyday and although I can see the numbers going down, it doesn't really feel like 'real' money. I know it's a mental shift I need to make, but using cash and having sinking funds makes all the difference.

That was a good amount of credit that you had in your energy account and especially in the winter, so that's very reassuring in terms of putting the heating on without worrying. Glad your office and spare bedroom renovation all worked out as well. I need to update most of my flat, mainly in terms of repainting as changes to furniture and appliances would have to wait. Aside from me and my son's bedroom walls which we have redecorated, every wall is the same sad magnolia the council painted it when I moved here in May 2020! There's always something else that takes priority, but it's not cute and I hate looking at them. Not sure if wallpaper would be better? 🤷🏾‍♀️