Road To Financial Recovery

FootyFanDan

Payday 🥳, this pay cycle seemed to be pretty short, I need to sit over the weekend and work out what the final figures were for the month. We did have a theatre trip out mid month and this included food out, as well as some merchandise so I suspect that will have ben an expensive outing. I have also noticed that food bill and petrol have definitely increased. I should hopefully have enough petrol to get me through to the weekend, as one day will be working from home too.

My work plans for tomorrow have shifted because a client kindly sent an urgent admin task at 4 p.m. today; it is quite demanding, and the deadline is the end of tomorrow…yay. This week has been quite productive so far but tomorrow is pretty much a write off, Friday is the same as got 4 meetings.

All funds have been transferred to where they need to go. It was a little simpler this month as I have managed to move all my direct debits into one account.

FootyFanDan

That is Wednesday done and dusted. I am hopeful of an earlier night tonight, I was in bed pretty early (for me) last night but then was wide awake at 3am. I did end up getting out of bed, but didn't do any work which I normally would have. Today's admin task got completed with a few hours to spare, I locked myself away in a quiet little office, no phone, emails off and teams off. I did have a few screen breaks and a bit too much caffeine and chocolate, but I will count it as a success….unfortunately that just created another deadline.

DancingInTheRain

Hope Thursday is treating you gently…

Dakota_Rose

Hope today has been easier and you’ve managed to catch up with yourself a bit!

FootyFanDan

Thank you @Dakota_Rose & @DancingInTheRain Thursday was a lot kinder, still busy but manageable. I worked from home today so was nice a quiet. Tomorrow is my day of meetings so should again be an okay day. I am slowly catching up with things and day by day feeling a little more progress is been made.

It is officially spooky season 🎃, it won't be long until those dark nights are back. I find it so crazy that we are already so far into the year. All the direct debits have left the account. I am looking forward to the weekend it has felt another pretty full on week. I am not sure of our plans yet for the weekend tbh.

FootyFanDan

Monday didn't Monday too bad today for once. Today has felt like I can see the end of that long tunnel, there of course will always be more challenges but to feel like I am getting up to date and can start dealing with new stuff is a good feeling. There are still some stuff I need to sort and get out of my way and these will take a couple of admin days so hoping by Friday I can officially start with a clean slate. Unless anything urgent comes in I am not starting anything new until next week.

The weekend came and went in a flash with not very much done, I did manage to go to town on Saturday and just chilled in a nice little coffee shop I liked and just didn't do anything no phone, no nothing except just watch the world go by. I popped in to boots to top up on some personal care stuff and that came out of personal funds.

We did have a family movie night on Saturday which was nice as it has been a while since we all just sat with no distractions with some treats and just snuggled on the sofa. We had the little fire on for lighting only so felt homely.

Sunday we all felt a little tired, but I needed to get some food shopping so I managed to go and get some essential stuff but it was rammed and fair too busy for my liking haha. We got plenty and we do have a lot of stuff we need to use up from stores. I am planning to do an inventory this week of what we have got so we can start using it, the fresh stuff should last til Wednesday at which point I will go shopping again and it should in theory be quiet.

All the bills and stuff have been accounted for in the pots, I need to look at what we are going to put into savings but I will do that tomorrow. The car is booked in for next week to complete the second part of the repair but already have money set aside for this.

Hope everyone had a good weekend, and has a good week ahead

FootyFanDan

Another day done and I don’t believe it but a second positive day on the work front. I’m starting to try and not whinge too much and then do nowt about it. I’ve been silencing moaning to myself about a system thing that makes my job a bit harder, so today I decided to fix the issue. It took 10 mins with an helpful person and now it’s sorted 😊😂.

Tonight I’ve committed myself to going through my emails and creating an up to date task list now I’m feeling a little more focussed. I will do this whilst I have my iPad showing footy ha. First though a posh bath and some food.

Today I’m feeling grateful for feeling a bit more like myself and motivated.

Dakota_Rose

Such a good update to read. Well done you! I’m hoping for a posh bath, good food and no work tonight 😂

DancingInTheRain

Great to hear Dan! aaaaaand it's Transfer Tuesday 😂

FootyFanDan

haha you never miss transfer Tuesday @DancingInTheRain 🤣

@Dakota_Rose bubbles, a soak and a book erm what isn’t to like haha. Although the food was a let down so now need to snack. The work stuff is something I have now completed. I tend to find when I try doing it in work my emails just ping so I get distracted. I do need to get better at not just drowning in my emails. I think I am going to set specific times to check my emails and then the rest of time not have it open

Tuesday Transfers

£50 to the xmas fund. This is going to now be primary focus, we spend from this account as and when needed. Although we are pretty much covered with the exception of a few gift cards

£50 to school fund. - This is pretty much a new fund and is to cover trips and any lunches and misc stuff needed. We had £50 in an account that was used for breakfast clubs and stuff so just changed pot name.

£50 will be going to investment pot as well. This was an auto setup but stopped it so now manually transfer what we can.

Current Totals

Emergency Fund : £425.25. The recent car repair of £120 was taken out of this. This will get topped up at £50 p/m

Car Expense: £220.15. Although this is already accounted for. (moved from em.fund). Once this is empty from the 2nd part of car repair bill I will focus on the MOT / Service.

Xmas : £52.07. This will be used as and when needed, we do have everything set out to what is needed so just need to do a bit of work to see where we are with it.

School Fund: £50.

Other Savings: £50 - this is just the vacation fund. We do need to book somewhere and start saving properly for this.

Monzo Stocks & Shares : Balance of £334.43 - This will be added to as and when we can but I should really just add £50 p/m

Help To Buy ISA: £412.94.. Not sure what I should be doing here tbh. I don’t think buying is something on our radar at the moment but could be in the next few years or so. I will likely keep topping this up monthly