Flying solo

twiggy86

Thanks for your suggestions! However the difficulty being that it's all automated by Monzo! I saw the challenge at the start of the year and thought I'd give it a try and have done well so far, but this month it's £67 worth of savings over the month and will be more again next month! I think part of my issue is that I save specific amounts to various pots and this is effectively "unassigned" and eats into my spending money each month and now feels at a point where I'll have to allocate more to "fun" money (and less to specific savings) to account for it! 

This morning I have updated my spreadsheet and shuffled all money to the correct accounts as was feeling a bit lost as I wasn't on top of it! Instantly feel better! 

I do have a few things on this week, including a boat party with a friend on Thursday night - although I've already bought the ticket. Last night me and OH went to see a wedding venue, but don't think it's the one for us! Would be lovely if the weather is right, but we live in England and I don't think I can rely on the weather! However, we still love the first place we visited! So wedding planning is slowly continuing in the background! However, no offers on either my house or OH's flat, so something else that is slowly continuing in the background! No bad thing as allows us extra time to save up money! 

twiggy86

Oh dear! It's been almost a month since I posted last!!!

Ok the big update... wedding plans are well underway!!! Venue (first venue), registrar, band all booked and invites in the process of being delivered!!! The money aspect to this is - we plan to pay for the wedding from the sale of OH's dad's house, which is still in probate. So I spoke to my parents and asked for a "bridging loan" if anything needs paying for prior to the sale going through - as whilst we have enough for deposits etc, we may become unstuck if things are delayed! Anyway this lead to my parents informing us that they are giving us £5k towards the wedding!!! I didn't expect anything as they helped me out massively (new boiler, front door, few windows etc) when I was first doing up my house and told me at the time that it was instead of anything for any future wedding... maybe what they really meant was that they didn't want me to marry ex!!! 

Speaking of the house... things have all gone a bit quiet at the moment! However, as we need OH's flat to sell as well, we aren't lowering the price or anything at this stage. 

In general life, money etc has all been ticking away! Had my weekend away at the festival (amazing fun!) which all came from a dedicated savings pot with money left over which I will use this weekend, as I'm going away with OH to Poland for a couple of nights. My car and home insurances are both due this month and have saved enough throughout the year to pay for both in full! I can't recall if I said but I cleared one of the smallest credit card! I am now just paying the minimum off the other as OH is insisting that he clears the balance when his dad's house sells. It does feel very strange/ unproductive to have only paid £60 off it this month - although I have saved towards wedding/ house sale. Again OH insists that he pays back anything I pay towards wedding deposits! 

In case I haven't said the reason wedding/ debts will be covered by OH is that I have much more equity in my house than he has in his flat - so this is his way of re-dressing the difference. 

I will try and come back sooner and post - although as I've eased off on my debt-busting efforts at the moment, I feel like a bit of a fraud on here! 

badmemory

There are many on here who  no longer have either debts or mortgage.  It is about keeping that sort of focus, perhaps early retirement is the next target!!