Flying solo

twiggy86

Few updates...

1. Applied for the job! 
2. Now paid a total of £7,000.89 off my debt since me and ex split and he left me with the debt!
3. Booked the acro workshop! 

LilSmiler

Good luck with the job..! I'm sure you'll hear back very soon. 

Purplelady65

You’ve done amazingly well to pay off that amount of debt on your own. Well done! Re the table if it’s on interest free would it not be better just to carry on with the payments and pay down some other debt or make some extra payments to your emergency fund? 

twiggy86

Thanks for your comments @LilSmiler and @Purplelady65.

That't the mindset I had been taking re the table finance - I think I just want it gone! I have a "full" £1k emergency funf and all my debts are interest free. But your comment @Purplelady65 made me remember that actually the interest free period on one of the CCs ends in August. Current balance is £2,610 and so my priority should be to pay as much on that to try get it gone before then - it's my lowest debt so is the one I have prioritised since clearing another card in November. 

Great game of netball last night - we won 28:5 (which actually doesn't reflect how well the other team played as it felt closer than that suggests). I opted to have a jacket potato that had been in the freezer for ages for my dinner and bf utilised the cooked chicken. I need to try eat out of the freezer more, as most of what is in there has actually been in there for ages! 

Bf is going to visit his dad this weekend, so he'll be gone before I get home and then will be back Sunday at some point. So I have bought the stuff for one of my favourite dinners tonight (something bf isn't keen on) and will have a quiet evening home alone, as bf is taking the pooch! (Will be very odd being in the house completely on my own!) Then tomorrow morning I'll set off about 8am, drive to best friends (an hour away), pick her up and then we are meeting two other friends at a Centre Parcs spa! We booked it last year as our Christmas get together/ treat! We have access to the spa from 9:30 - 5 and includes lunch. Then I'm spending the night at best friends and will come back Sunday. So will have a lovely weekend but spend very little as the spa was paid for months ago (although it wasn't cheap!!!)  

Today's list... 

• Make lunch to take to work 
• Update spreadsheet (to reflect a NSD!) 
• Work on crochet penguin at lunch 
• Pop to shop for something on my way home 
• Snap receipt 
• Sort out bag for tomorrow 
• Dinner from stores 
• Crochet in front of the TV 

Mortgage_Minimiser

Just de-lurking to say how well you are doing on the debt repayment. Such a lot to deal with and your life is totally changed now. I'm so pleased for you

Could i ask which receipt snapping app you use - I haven't been doing it since Store Rewards closed, and am looking for a new one - thanks!

MM
XX

twiggy86

Thanks @Mortgage_Minimiser - I use Shoppix to snap receipts and usually takes a couple of months to get to the £5 cashout. Worth it though for very little effort I think! 

twiggy86

Lovely relaxing weekend! Friday night I popped to Tesco for some bits - I need to work out which pots it all needs to come from (some medical, some beauty, some grocery!) and then cooked dinner and started on a new crochet project! Saturday was a spa day with my friends and then stayed at best friends house. Didn't have any treatments at the spa but did go to a couple of free "drop in" sessions which were very nice. Lunch was included but did have a cuppa there so need to pay friend for that - but that was the only spend on Saturday. Then yesterday drove back about lunch time and did the food shop before bf got home, did some housework and watched a film. So all quiet chilled and fairly frugal - although I need to work out what bf owes me for the food shop and ask him for that. 

Monzo have started doing a 1p challenge, so I signed up to that. On day 1 it takes 1p, day 2 2p, day 3 3p etc etc! It will work now with these small amounts but will need to consider later in the year as this where I keep my "personal spends", so it is a budgeted amount so may impact too much! But if I complete it for a year its £667! 

I decided to cancel the gratitude app as hadn't completed it all weekend! Also realised that focusing on positives/ gratitude is a good thing, but I also need a place to get the negative stuff out too. Maybe I should try the paper journal I have at home! By cancelling it saves me £26, although I will continue trying to find the right solution for me. 

Anyway, on to today... 

• Make lunch to take to work 
• Update spreadsheet 
• Make CC overpayment 
• Message recruiter about possible role
• Call company as haven't heard back from application last week 
• Work on penguin at lunch 
• Pop into town on way home 
• Snap receipts 
• Clean out microwave 
• Sort out two kitchen drawers 
• Dinner from stores 
• Crochet on new project 

twiggy86

Also posting a couple of "weekly" tasks I'd like to get done this week... 

• Finish crochet penguin - ideally by Wednesday and then I can take to acro 
• Sort out 3 small areas around the house - so kitchen drawers today and thinking maybe my pj/ gym drawer and one other area 
• Finish crochet socks 
• Look for potential jobs that are worth applying for  
• Try writing in the journal 
• Talk to bf about logical next step for utility/ downstairs loo area 

twiggy86

Couple of further little updates... 

• Received the £5 reward from my bank - will likely send to CC tomorrow (already made a payment today and so splitting the progress over two days!!!) 
• Was going to pop into town to get a new belt as mine is genuinely on its way out. However I remembered that I do have another in a drawer at home! I recall that I wasn't as keen on it but can't remember why, so I will look at it later and then decide whether to declutter it and buy another or just use that one 
• My spreadsheet and my account are £34 different in my favour (i.e. £34 too much in the account!) I can't yet work out where the difference has appeared from, so needs further investigation!!! 
• I'm going to go through the bag of stuff I have on Vinted at some point this week - may relist some and/or pass to charity to try to get the bag out of the house. Think its all been listed on there for a year!!! 
• I mentioned to my friends at the weekend that I won't be making their children presents this year - this is probably anti-MSE but I'm just not finding myself having as much craft time anymore and so it makes it all quite stressful (especially as there are quite a few birthdays at the start of the year!). I have one more that I will make as it will be a first birthday (and so he doesn't have anything handmade from me yet). This will enable me to prioritise making things as and when I want to make them - and also give knitting a try! 

Ok, that was more waffle than I thought!!! 

Mortgage_Minimiser

twiggy86 said:

Thanks @Mortgage_Minimiser - I use Shoppix to snap receipts and usually takes a couple of months to get to the £5 cashout. Worth it though for very little effort I think! 

Thank you for sharing! x

MM
x