We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Starting Over...
Options
Comments
-
Hello from the longest January ever!
Thanks for the suggestions - in terms of hobbies, I like running, swimming, yoga, making (bad) art, baking, hiking, writing, languages...quite a lot of things that can be done cheaply or free. One of the reasons I knew I was feeling bad last year was that I slowly stopped doing a lot of these things, and since the Xmas break I've been quietly trying to get back into better routines. I got back into running again over Xmas...and promptly stopped in January with all the bad weather, haha!
I went on two long walks this weekend - one with a friend, one alone - and brought along a flask of hot tea. I think these walks have done me the world of good, and were free.
Theoretically, I could run outside for free and practice yoga and write/study all at home. I will say, however, that I quite often try and leave my shared house when I can as it's hard to do a lot of these things easily - I am super sensitive to noise. I started going to a yoga studio for £10 a class - but to be honest, this needs to be binned off right away and I need to suck it up and get back on the mat at home, noise or no noise. I am going to delete their booking app off my phone right now!
I can swim for £3 a session at the local pool and £6 a day for the local gym (where the pool is) - at the start of every month, I think about just joining the gym for (I think) £30 a month, and then I have something to do every day that gets me out of the house. Maybe next month? Although...next month I am sure I go back to regularly running outside.
In terms of this weekend, it wasn't too bad. My weekly shop lasted the whole week without a top-up, and this weekend my food shop was £62.30 - this included some cleaning bits. I could technically last without spending anything else this week - except milk and fruit for work. I'll use cash for this. I also have plenty of freezer food so I think I could theoretically last the whole 12 days if I topped up fruit and veg only.
I bought one coffee out when seeing friends. I also spent £15 on a ticket for my monthly painting class for next month - I think this will be the last month I go in a while as this is definitely not a priority expense...it's another excuse to leave the house, and I go with a friend. I might suggest to them that we try and take our painting things out and about somewhere?
Unexpected expenditures: £7.98 on a taxi home - on Friday after work I came home to a date night taking place in my lounge, and I mentally did not have the energy to be around it, haha! A friend took pity on me and picked me up to have dinner with her and her family, but I had to get a taxi home.
I have 12 days until payday and whilst I am on target to end the month with reduced debt - meaning next month I'll be back to where I start - it's going to be superrrrr tight. I am super keen to start running again and going to the gym, but I don't think this is the month for that - how ironic, in January! I could try and challenge myself to walk to and from work each day instead.
Breakfast, lunch and coffee all sorted for the week ahead.
Let's see what the week brings - and good luck to you all!
1 -
January always feels like the longest monthly financially! I know it's not but for some reason it just feels that way. Roll on payday.*Dad loan - £5300 - £7200
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£0.00
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £840
*Total debt - £8040/£11641.17*
Savings
*Savings Buffer - £100/£1500
*Emergency Fund - £1500/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/0 -
Oh, it really is so long! How is only 17th January?!
Just did my small weekly shop before work as the supermarket near to work is cheaper - £26.12. Payday is next Friday and I should last with what I have (except for milk and fruit for work next week). Now I have to carry it home when I walk home, so didn't think it through!
The last week has been okay - work has been a bit difficult and routine been fairly dull, but okay. I have bought two coffees out but no lunches, and have typically had coffee, breakfast and lunch at work (practically moving in!). I've socialised twice - once visiting a friend and taking some snacks, another a 50% off meal with a friend - it was £12.37! I have walked home almost every day, and not been to the gym...going to start up running outside again this weekend. I'm also due to go out with a friend tonight for one drink, but that never works out and I'm going to reschedule - I'm exhausted as well, and just want to go home, dye my roots and eat a jacket potato - rock and roll!
The next week is going to be plodding along and similar to this one. I'm meeting a colleague after work one evening next week but for a walk. The weekend is also due to be quiet.
Come on, payday!
0
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351.1K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.7K Spending & Discounts
- 244.1K Work, Benefits & Business
- 599.2K Mortgages, Homes & Bills
- 177K Life & Family
- 257.5K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards