Champagne supernova’s debt free to savaholic diary

ChampagneSupernova36

Good evening all,

from my deathbed as I’ve been stuck down with covid … I know , I didn’t think it was still a thing either  . I’m through the worst of it now but trust me to get a flu like cold illness when it’s the hottest week of the year!

well, here I am, posting here in the spirit of being positive and on my refund hunt. I found an article on MSE about student finance refunds and thought hmm? Why not request a refund and see, it turns out I’m due £163 back which is a nice little surprise. Silver linings again, I had a flight delayed and landed nearly 4 hours late (missed work totally yikes) and have £220 compensation coming my way thanks to that. 

Just when things were looking up, the lord has smite me down but I’m trying to remain in good spirits and positive because overall things are looking up. I think I will take up the Covid booster next year 

i hope everyone is enjoying the sunshine for me ; im still waiting to hear from 118 about the ombudsman’s recommendations but should hear by next week, hopefully will hear back from my other cases as well. 

See you all soon
E x

ChampagneSupernova36

Evening all !

Blimey, it’s been a while since my last entry here.

Update on the ombudsman situation, they actually found my cases to be affordable. I’m glad I went through the process as it’s been a real learning curve and I am now becoming much more financially literate. I was hoping that a nice lump sum of money could make me happy but that’s not my key to happiness!

I have been really trying lately to replace the ‘highs’ I used to get from spending stupid amounts of money ( that I didn’t have) by pushing myself out of my comfort zone & trying to achieve new things.

I applied for a promotion at work and went totally out of my comfort zone to go for an interview where I was successful! Overcoming something that was challenging and nerve wracking was so rewarding and actually getting the job is so validating. It’s an unparalleled feeling , and it didn’t come from money or booze etc it simply came from me….

so that is now my main focus in life , setting goals and achieving them EVEN if it terrifies me because the feeling afterwards is just so fulfilling & I don’t really need to spend a penny .

i hope everyone here is well, im trying hard to save but making really slow progress. Any tips to get motivated will be greatly appreciated.

Best wishes 
E x

ChampagneSupernova36

Evening all and HAPPY new year, hope everyone had a lovely Christmas.

i was working right over the Xmas period from 20th to New Year’s Day eek but took my mum along with me on a trip and we an absolute ball. 

I FINALLY start my new role in Jan , I’ve signed my new contact, passed all my training and assessments and have one more 5 day course to go before it’s all official (it’s been a long journey but the end is nigh). Get a nice little pay rise also so I’ve decided to take affirmative action to actually, finally be a saveaholic.

i have made a standing order to save £300 odd a month moved into a locked monzo pot and I’m hell bent on saving. I finally cleared my DMP last year and lived quite a restricted lifestyle whilst I did that, I think I’ve been enjoying the freedom a little bit toooo much (not living beyond my means but just not putting enough aside to save) but NOW I’ve implemented my plan to save save save…. No excuses !

Im going to continue to document this journey as saving feels just a slow as clearing debt, I’d LOVE to have 10k just sitting there but that takes time. I manage to pay off 11k in about 18 months so if I can do that then why can’t I save that much?

im still going to have my little goals of 2k and make baby steps towards it and just forget about the standing order and hopefully will look back this time next year with a nice little pot.

actually, also, I have had an unaffordable lending complaint upheld but the ombudsman about my past monzo overdraft. I have to wait and see monzo’s response but I could potentially see some fees and charges returned to me. I am going to reserve judgment and be realistic about this though, as I had similar findings with a 118 118 money loan only to have to ombudsman not upheld it… it would be a nice little kick start to the saving though.

So my first amount comes out in januarys pay I’m hopeful it’s onwards and upwards from there 

this forum has been such a wonderful support to me over the past year or so , and for that I am very grateful. I need to motivation to save so that’s why i keep coming back !

Hope everyone is doing well,

E x

vampirotoothus

Happy New Year, Good luck with the new job and your savings plans V x

ChampagneSupernova36

Thank you !

i began the 1p challenge today as well , 1p so far but it’s a start