Boring Diary

MFWannabe

HeavyMetalFan said:

Would be about £65 a month for three years. I could comfortably afford that. 

Could you really? At the start you only had £61 left after all outgoings 
You started this journey with debt for a bike so why do you need / want another? 

HeavyMetalFan

MFWannabe said:

HeavyMetalFan said:

Would be about £65 a month for three years. I could comfortably afford that. 

Could you really? At the start you only had £61 left after all outgoings 
You started this journey with debt for a bike so why do you need / want another? 

That’s after all essential and non-essential spending though - I’ll just tweak my non-essential spending budget. 

I’ve also cleared a couple of debts and had a pay rise since my original SOA so an updated one is probably needed.

I was a keen cyclist but didn’t get back into it after lockdown. I’m thinking that getting a quality bike will give me a kick up the proverbial- a quality bike is about 4k I’d say.

in_need_of_direction

Is it worth investigating cycle to work schemes as they may produce savings?

HeavyMetalFan

It’s worth looking into but I’ve actually found one for £2,300 down from £4,000 so I would say that’s a bargain.

HeavyMetalFan

I’ve started 2025 in a positive way by taking on more debt. I’ve bought a phone from Currys. It was £449 and is on a buy now pay later scheme - I’ve got until 1st January 2026 to pay it off. I do have the money to cover it but I might as well save a bit more towards it, bank a bit of interest then pay it off in December. 

I have two New Year’s resolutions - more cycling and to take football less seriously. I broke that one on New Year’s Day. 

HeavyMetalFan

I didn’t realise it had been over four weeks since my last post - I’m sure forum members are on tenterhooks!!

Christmas period was spendy but not excessive. Managed to do everything I wanted and still have a decent amount left over to put in the EF and overpay on the mortgage. It’s pay day today so I’ve paid into the EF and that now stands at £910. I had to dip into the EF just after the new year as I had problem with my gutter (only £80) so feels good to start getting back towards four figures.

I am still toying with the idea of getting a new bike but I won’t give it any serious consideration until after Easter.

Current scores:-

Loan £1520
CC £880

HeavyMetalFan

I had a windfall this week - found a five pound note in the gutter while out litter picking! I spent it on a pint though which I think I deserved as I was out there for over three hours. Unfortunately, despite my efforts the streets in my “patch” don’t even stay clean for 24 hours. 

Pay day on Thursday. EF is now up to £830 so should break the £1,000 barrier next month. 

Current scores:-

Loan £1480
CC £845

Flossymuldoo

Well done on your progress so far!!

well done on finding the fiver too. I litter pick locally and there’s one girl who always finds money. It goes in the ‘wages’ purse and pays for coffees when we’ve finished 😂

I second Metallica if i could only listen to 1 band for the rest of my life. I first saw them when I was 14 and I was recently horrified to realise that in September that will be 40 years ago 😮.  I was hoping to get tickets to see them at the gig with Sabbath in the summer but it wasn’t to be ☹️

LzzyIsGod

Flossymuldoo said:

Well done on your progress so far!!

well done on finding the fiver too. I litter pick locally and there’s one girl who always finds money. It goes in the ‘wages’ purse and pays for coffees when we’ve finished 😂

I second Metallica if i could only listen to 1 band for the rest of my life. I first saw them when I was 14 and I was recently horrified to realise that in September that will be 40 years ago 😮.  I was hoping to get tickets to see them at the gig with Sabbath in the summer but it wasn’t to be ☹️

I looked at the Sabbath gig but whilst I would have LOVED to go, I usually.budget for 1 big gig a year and we've got Iron Maiden tickets the week after. £250 would have been really pushing it though (especially as my kids now insist on coming along) - Wasn't that much per ticket for AC/DC last year.

Flossymuldoo

I looked at the Sabbath gig but whilst I would have LOVED to go, I usually.budget for 1 big gig a year and we've got Iron Maiden tickets the week after. £250 would have been really pushing it though (especially as my kids now insist on coming along) - Wasn't that much per ticket for AC/DC last year.

@LzzyIsGod

I was disappointed but secretly quite pleased. The tickets were expensive. I think the cheapest tickets were about £200 each and there’s 3 of us so my holiday/gig budget  couldn't have sustained that, as we’ve already booked Limp Bizkit in March and Nine Inch Nails in June. 

Iron Maiden was the 2nd band ever saw, 39 years ago. I think the ticket was £7 then 😂