Road To Financial Recovery

FootyFanDan

rachmac3 said:

I just got a 12month 0% balance transfer card from NatWest, with no transfer fees. My credit score is not great, so you should be able to get one too if you do decide to go down that route.  
I hope you're feeling better soon.

Thank you,

I am thinking I will probably go down that route. There is only a small balance and the interest is not a huge amount but I worked out if I paid my usual payment it would be cleared well in advance of the interest free period ending.

I only have two cards - one never carries a balance as I use it for food and petrol and the balance is transferred to be paid in full every pay day. I have seen a lot recently about people paying all their expenses in a similar way to save on interest but I am certainly not in that place to trust myself to do that or even know how that works. But doing way I do it just makes it a little easier to budget.

LzzyIsGod

There seems to be a lot of covid around again ....... 

FootyFanDan

LzzyIsGod said:

There seems to be a lot of covid around again ....... 

I had known a few people have it again last month or so, luckily I am feeling a bit less fragile today

Lonelygambler

Do you use a rewards card for your credit spending?

FootyFanDan

Lonelygambler said:

Do you use a rewards card for your credit spending?

Not anything worth shouting about tbh, and ideally I would like to have it where it is minimal spending. I have started last few weeks just having fuel on it so it is easier (lazier is obviously what I mean here) to keep it separate for work expenses. 

My plan is to spend next few months building up a buffer so I can do this on my currently redundant chase card, but I always seem to find ways to divert away from that plan

Hope you are keeping well

FootyFanDan

Finally Friday!

What a week, I do feel a lot better health wise, but I think I am all peopled out for this week. It has been a week of back to back to back meetings. Today is an admin day, I need to try have a re-organise. The last few months have just been a bit of overwhelming and lost track of work stuff so need a bit of a reset. I had an unusual amount of jobs to be done so was all go which meant other less important (but now stupidly important 🫣) got forgotten. Now, I have picked up a bit more work so need to learn to prioritise a bit and not procrastinate 

Finance wise we are looking good, although we do need to look at school stuff. We are in position where we have to have shoes modified for little one so ends up been costly, especially as she grows so bloody fast 😂. All direct debits are now well out of the way.

Savings are so close to been at that magic 1k mark, but then they get used for their actual purpose but it still annoys me seeing it go down haha. 

Not really much planned for the weekend - however do have a daddy / daughter day to plan - she want's to go to a cat cafe which isn't exactly my idea of fun... haha. Tonight I have work drinks but I will not be drinking as I have car.

Hope everyone has a fab Friday.

FootyFanDan

Middle of the week already.

We are making slow dents in the decluttering and have managed to clear quite a lot of stuff ready to go to donations, this is mainly made up of clothes that just don't fit anymore. Also managed to tick a couple of minor repair issues in house this week so slow progress, but progress nevertheless.

Work has been pretty busy but I spent yesterday putting my projects into focus and seeing what I have over next 6 months in terms of tasks has really helped, today was about as productive as I have felt for a while. I think I need to factor in a day planning during working hours as well rather than extra hours at home

We never did do cat cafe but we went to the cinema on a using some reward points we have...although popcorn and stuff probably balanced it back out 🤣. 

FootyFanDan

Petrol Spends seem a bit lower than normal for this time of the month, but I have got to a point where I fill up on payday and then normally lasts two weeks, not doing school run and drama / footy as probably helped this as well. I should be ready to fill up again by weekend.

Food spends are in line with what I would expect and on track to be under budget. We did get an Iceland food shop which helps on the food waste, unfortunately as much as we love it and they do seem to have some really decent deals our freezer is tiny. I enjoy cooking from scratch too so need to find a balance as looking at deals there is deffo savings to have.

We have spent a little bit out of entertainment funds which normally wouldn't have been accounted for but little one has been able to go skating, also done a few play dates with her friends so to have that fund there that can be used without worrying it impacts rest of budget.

Topped up breakfast club account today - we used to do weekly but school now ideally want advanced as getting full up. Also paid term of milk payment. 

alt80

Good to read that you're still doing well mate.

FootyFanDan

Happy Friday MSE diary land.
Not much to report just trying to keep accountable. Out and about on site visit today ( how the hell I am meant to get on top of my ever growing work load I will never know 😂 ). I have put a little of my personal spends ready to use for a coffee for the drive and the inevitable on the go lunch somewhere. 

I am currently flirting with the idea of leaving my role but it is difficult as my notice is 3 months and most companies don't wanna wait that long so stuck a little bit but while I enjoy the salary, the truth is I just don't enjoy or get any real value from my job - not sure it helps that I feel very much out of my depth within the role and feeling a bit meh about it all ( despite everyone else coming to me for everything). I have signed up for the course that I have been putting off for months and months, the registration for this month might have just been missed but should get all the stuff ready to start next month. 

Anyhow...moan over..hope everyone has a fab Friday.