Time to act like an adult...

~FlowerPot~

Hi there, i have just read your diary. 
Well done! 
You seen to be totally on it. 
Coming in here rant does help with the accountability. 
Good luck with yoy debt free journey 

Flowers x

RisingPhoenix1

~FlowerPot~ said:

Hi there, i have just read your diary. 
Well done! 
You seen to be totally on it. 
Coming in here rant does help with the accountability. 
Good luck with yoy debt free journey 

Flowers x

Thank you so much for 'stopping by'! I feel totally on it as long as I can keep myself in check when I've actually got disposable income  

RisingPhoenix1

Daily check in time

Email went out last night with overtime shifts for the next few weeks, picked one up in November it's a few hours on a Saturday so higher rate - will be just over £97 before tax. Not going to rush to get that one through for the same month's pay, the budget should be fine for December as it stands and it'll be nice to have the extra few quid for my first budget of 2025

Rent payment went out today so other than a last bit of fuel and groceries that's everything paid for, for this month. Still watching Prolific like a hawk to see if I can get a bit of a buffer to get me through but I can get through til payday as it stands. I should get a bit of fuel money for being taxi for some of my family members this weekend. 

Lovely sunny, breezy day today so the last of my 'big' washing is out drying on the line. Should be another NSD today as all I need to do is take the dog out for a stroll on the beach

joedenise

RisingPhoenix1 said:

peb said:

Just a thought, going by the prices of second hand microwaves a new one isn't usually much more. Guarantee etc.

I'll definitely have a look around at offers when I'm ready to buy one and see how cheap I can get a new one compared to secondhand

I managed to pick up a Combi microwave in Tesco's a while back for £40 so also saves on using the big oven.

~FlowerPot~

RisingPhoenix1 said:

~FlowerPot~ said:

Hi there, i have just read your diary. 
Well done! 
You seen to be totally on it. 
Coming in here rant does help with the accountability. 
Good luck with yoy debt free journey 

Flowers x

Thank you so much for 'stopping by'! I feel totally on it as long as I can keep myself in check when I've actually got disposable income  

best plan here is to continue allocating your money into different pots so its not hanging around in your current account, so savings!!! easy access and maybe some locked away for longer or regular savers or extra pension. it is so nice when you start to receive interest, it feels like 'free' money!!

flowers x

SkintSkintSkint

Spreadsheets are my saviour, you see everything, there, infront of you.

Mine is pretty simple

Money In
minus
Bills ( Itemised and rounded up to next pound)
equals
Money to live on.

Its working 😉

Also, I used to use a locka insurance broker, had done for years, they said they were stopping personal accounts next year, so, i shopped around a bit, got my car ins for £250 a year cheaper, there is £20 saved and getting paid to debt straight away !! House Ins the same, got a quote for renewal from dame company as new car ins, way cheaper, can pay it in one, thats another £35 a month to put to debt payment. 

Stick at it, you will get there, I can see the light, just wish it would get heee quicker.

Good luck 🤞

RisingPhoenix1

joedenise said:

RisingPhoenix1 said:

peb said:

Just a thought, going by the prices of second hand microwaves a new one isn't usually much more. Guarantee etc.

I'll definitely have a look around at offers when I'm ready to buy one and see how cheap I can get a new one compared to secondhand

I managed to pick up a Combi microwave in Tesco's a while back for £40 so also saves on using the big oven.

I'll definitely have a good shop around when it's time to buy one

RisingPhoenix1

~FlowerPot~ said:

RisingPhoenix1 said:

~FlowerPot~ said:

Hi there, i have just read your diary. 
Well done! 
You seen to be totally on it. 
Coming in here rant does help with the accountability. 
Good luck with yoy debt free journey 

Flowers x

Thank you so much for 'stopping by'! I feel totally on it as long as I can keep myself in check when I've actually got disposable income  

best plan here is to continue allocating your money into different pots so its not hanging around in your current account, so savings!!! easy access and maybe some locked away for longer or regular savers or extra pension. it is so nice when you start to receive interest, it feels like 'free' money!!

flowers x

That's definitely the plan when the mountain of debt is gone

RisingPhoenix1

SkintSkintSkint said:

Spreadsheets are my saviour, you see everything, there, infront of you.

Mine is pretty simple

Money In
minus
Bills ( Itemised and rounded up to next pound)
equals
Money to live on.

Its working 😉

Also, I used to use a locka insurance broker, had done for years, they said they were stopping personal accounts next year, so, i shopped around a bit, got my car ins for £250 a year cheaper, there is £20 saved and getting paid to debt straight away !! House Ins the same, got a quote for renewal from dame company as new car ins, way cheaper, can pay it in one, thats another £35 a month to put to debt payment. 

Stick at it, you will get there, I can see the light, just wish it would get heee quicker.

Good luck 🤞

I'm with you on the spreadsheets I have several all mapping out what the next 12 months should hopefully look like and I agree I just want the end of the tunnel to come around quicker!

RisingPhoenix1

Daily check in

Won't be a NSD today as I need some vape liquid, will only spend £3.99. Will do a bulk order out of pocket money or survey money at the end of the month it saves a fair bit of money. 

Not much else to report, being fed by my family for dinner again this evening. Going to get my tracking on my car checked today after I slightly hit a curb the other day family member works in a garage though so it won't cost anything. They will check my tyre pressures too! 

I keep double checking next month's budget, absolutely everything is on there and accounted for on my rough estimate of my wages - will know the final scores on the doors when the payslips come out or Monzo puts my wages in, whichever comes first. There is wiggle room if needed but at the moment I have around £60 pw (accounting for 5 weeks between wages) pocket money which is plenty as that's after everything I know I need to pay for next month has gone out and is after my budgeted money for Christmas presents too. Anything not spent one week can go into my Squirrel Fund savings pot and anything in this at the end of the month will go to debt or savings as an overpayment.