Arrietty's Acorns

Skint_yet_Again

Lovely update Arrietty. I think I have the same lurgy as you had. Mind you it doesn’t help that I have just scoffed a pack of jafa cakes 🤦‍♀️ or is that classed as medicinal! Enjoyed the tales of HRH. Well done on the money shuffling 

Wonder what’s happened to the gardener 🤔

Arrietty

Hellooo,

today I plan to be a lot less waffly than previous posts.

A mix of sunshine and cloud here and temperature about 25 which is quite hot enough thank you. We still haven't had any rain and the horses are now having hay in their fields every morning.  However, we do have rain forecast for this coming week - of course because I am on annual leave  but I am absolutely fine with that.

Having had another week off with a minor bite injury - not serious just positioned where the saddle sits so would be uncomfortable - HRH and I went for a gentle plod yesterday afternoon and he was on his best behaviour so we came back feeling pleased with ourselves.  I've bought another bale of hay but as from  existing stock it was at the old price ad I also paid for some more to go in the fields. - total cost £12.00.  
The rest of what goes in the fields will come from their winter allowance ( a few folk were very begrudging about having to pay for extra hay... not sure why you'd begrudge making sure your horse is fed but there we are ..

This morning I popped to the Rose of Wait and I had to spend £100 to ensure I get the generous 5% cash back offer from my bank.  Well, someone lost count half way round the shop and ended up throwing all sorts in the trolley - like lightbulbs and glue in order to make sure  had spent £100 when I got to the till.  Silly me, it ended p being just over £130 and I now probably have enough lightbulbs to last the rest of my life.

Received my payslip on Friday and whilst there will be an increase of about £50 a month, both the staff restaurant and parking charges are going up so if I were a regular canteen eater as well as driver, I would end up worse off! Good job I'm not then! 

I had to transfer money from my linked savings to current to pay for shopping today but there have been some small savings shuffles from my current during the week and as soon as my salary hits my account I will repay the money borrowed.

 HRH Fund = £82.97

Linked Savings = £1072.84 (£200 owed)

My secondary bank have now opened the limited withdrawal savings account at the slightly higher interest rate but not yet closed the lower interest rate one and it is mighty confusing  
I also don't really know what to use the account for but had a vague idea I might try to help YD with saving by skimming s bit off what she pays to Horsery Fund each month so have popped the untidy £3.42 in there from the Trips and Treats fund...

Undecided Savings Fund = £3.42

Trips and Teats Fund has had a few scooping from untidy current account this week his week (£23.94)  but nothing major as this is a lean time of the month!

Trips & Treats Fund = £1510.00

The newly opened Long Terms Savings Fund has not had any increase due to lean times and I;ve been putting shoppings into the Trips and Treats Fund, but this may change as of September.

Long Terms Savings = £3001.20

Also no change to the Monthly Saver Fund = £250.00


I don't really feel like any of this makes much sense at the moment other than the new Regular Saver and the new Long Term Savings account.  

I have too many accounts without a defined purpose and I am still unsure whether to add the HRH emergency fund to my Long Term Savings. 

Aaaah - going to leave it here and try to make sense of things and return once I've sorted it all out!

Ordinary_Yet_Unique

Perhaps have just one savings account for regular expenses and annual bills. You can split that into virtual pots either with pen and paper and/or a simple spreadsheet. Also makes it easier to move money around.

I have a savings account for travel and annual expenses. I have virtual pots for the following categories, the car, insurances, house and garden maintenance, glasses, dentist, annual subscriptions, travel, Christmas birthdays and occasions, clothes and shoes. I know it doesn't work for everyone, so just an idea.

At the moment I am concentrating on getting the account to £7000 by December 2025 to give me ahead start for 2026!  From January 2026 I will add £800 a month to keep all categories topped up.

Remaining annual expenses for 2025 I have budgeted for elsewhere so I can solidly establish the above account ready for next year to use as outlined above.