My DFW to DF Diary

_Dolly_Rocker_

@joedenise - I've heard a little of YNAB through the years on here but not really sure what it is? I'll just keep plodding on with my wee separate pots to keep me right. 

@squirrelz92 - I might need to look into an account with them.

joedenise

YNAB is basically a massive spreadsheet which has been set up by an American organisation but the version I have is an old one.  the one they have now costs about £80 a year!  No way am I paying again when what I was sold back in 2014 was sold as a one off payment for life!

I may well set up a Starling account in the future as recommended by @squirellz92 with all it's pots even if I have to consolidate some of my current "pots" (I have over 40!).

[Deleted User]

Are you intending to complete a SOA? Just a suggestion as it may enable others to offer further suggestions.

Squirrelz92

Hi @joedenise, it would definitely be worth filling in an SOA as Baron suggested so we can all see if there are any areas where you could perhaps save a few more pennies? I believe a good one to use is SOA Calculator (lemonfool.co.uk). I found this very useful on my thread as folks suggested plenty I didn't really think of in the beginning. x

joedenise

Squirrelz92 said:

Hi @joedenise, it would definitely be worth filling in an SOA as Baron suggested so we can all see if there are any areas where you could perhaps save a few more pennies? I believe a good one to use is SOA Calculator (lemonfool.co.uk). I found this very useful on my thread as folks suggested plenty I didn't really think of in the beginning. x

This isn't my diary - I was replying to @_dolly_Rocker whose diary this is!  Have to say I agree with you though that a SOA is a good idea.

Squirrelz92

joedenise said:

Squirrelz92 said:

Hi @joedenise, it would definitely be worth filling in an SOA as Baron suggested so we can all see if there are any areas where you could perhaps save a few more pennies? I believe a good one to use is SOA Calculator (lemonfool.co.uk). I found this very useful on my thread as folks suggested plenty I didn't really think of in the beginning. x

This isn't my diary - I was replying to @_dolly_Rocker whose diary this is!  Have to say I agree with you though that a SOA is a good idea.

Ooops! This is what happens when I read too many diaries! Apologies @joedenise! @_Dolly_Rocker_ the SOA suggestion is definitely worth doing as it has helped so many gain a different perspective from other people! x

_Dolly_Rocker_

joedenise said:

YNAB is basically a massive spreadsheet which has been set up by an American organisation but the version I have is an old one.  the one they have now costs about £80 a year!  No way am I paying again when what I was sold back in 2014 was sold as a one off payment for life!

I may well set up a Starling account in the future as recommended by @squirellz92 with all it's pots even if I have to consolidate some of my current "pots" (I have over 40!).

Ah right I see, I do love a spreadsheet but mine aren't very fancy 

_Dolly_Rocker_

[Deleted User] said:

Are you intending to complete a SOA? Just a suggestion as it may enable others to offer further suggestions.

I haven't because I've cut pretty much everything already so all that's left is stuff that I really really need. 

My biggest expense is my 2 dogs - honestly would be rich if I was dog-less!

_Dolly_Rocker_

Squirrelz92 said:

joedenise said:

Squirrelz92 said:

Hi @joedenise, it would definitely be worth filling in an SOA as Baron suggested so we can all see if there are any areas where you could perhaps save a few more pennies? I believe a good one to use is SOA Calculator (lemonfool.co.uk). I found this very useful on my thread as folks suggested plenty I didn't really think of in the beginning. x

This isn't my diary - I was replying to @_dolly_Rocker whose diary this is!  Have to say I agree with you though that a SOA is a good idea.

Ooops! This is what happens when I read too many diaries! Apologies @joedenise! @_Dolly_Rocker_ the SOA suggestion is definitely worth doing as it has helped so many gain a different perspective from other people! x

Thanks lovely - I'm quite confident that all non essential stuff has been cut already. 

My biggest expense is the dogs but they ain't going anywhere 

PennysIntoPounds

Hi DollyRocker, just discovered your diary. Well done on getting through the last few years. And for keeping your mortgage going in such a horrible situation! Have subscribed, good luck x

@joedenise I really like the Zopa pots, in case that's something you want to have a look at