I have a spreadsheet and I have a plan!

Changemylife

Thanks for stopping by @LadyWithAPlan. I feel like an impostor on these boards too after 10 years lurking around the debt free diaries. 

What's your plan for the savings? Do you have a goal in mind? I think it's great if you can get your mind focused on something and break it down into chunks to work out a manageable way to to do it.

I've been updating the spreadsheet and I am hopeful my total payment this month will be £1000 (this includes my regular mortgage payment). I must stop buying gig tickets too - but am failing at that horrendously!

LadyWithAPlan

I get the gig obsession but had to put it on hold for the moment and go for local or cheaper shows.

I have dm you also the locoblade s/s if you have not already found it.

On my savings ... its for hse deposit and 6m ef...  I am pretty ready to pull the trigger on buying once I get a new contract as my main contract (am a contractor)  owes me loads so be hard to get my MIP through as they not been paying me regularly..
So chunk 1 - get a new contract (doing my cv/tackling job sites this weekend)
Chunk 2 - get paid in full by main current contract
Chunk 3 - find flat ..

Changemylife

The last week has been incredibly social and a bit spending heavy so posting today to keep me honest. The overpayment for November is £400 which is great and feels like a win, but I think will be balanced by a very small overpayment in December. Birthdays and holidays are piling up and there are a few big events planned which I'll need to budget for. 
I have the balance left to pay on a big holiday at the end of December, a once in a lifetime trip with the teens, so I'll sort that from savings and use the Chase cashback to it's full extent. I also booked it through Quidco so there is a small return on that one. 

I'm trying to keep an eye on Christmas present spending and so far about have is done, with the pot allocated for the rest. I'm also tracking my eating as I really don't want to undo all the hard work to day (23lbs down) with Mounjaro. So my Christmas cheese spending this year may need to drop! 

Present wise there's nothing I really want or need so I'm claiming a couple of gig tickets are my gift to myself - as I get older it's so much more about experiences with people I love and less about things.