One step at a time

sunshineli

Oops, it’s been another month since I last posted! 

I’m happy that the total amount in savings currently stands at £7,695, despite some rather large purchases recently. 

We finally bought an armchair for the living room after a year of having just one small sofa. This will make such a difference when we have guests over and one person doesn’t have to sit on a dining chair. This was a considered purchase that I've been mulling over for the past year, and we managed to get one in the sale with 1/3 off so I’m happy with this.

I also recently bought a new phone as mine was on its last legs. As it’s my birthday coming up I have received money from family towards this. I’m really looking forward to having a new phone as I love taking photographs and I will finally have one with a good camera. 

I also had an opticians appointment recently which came to a very expensive £155. This came out of my personal savings which I don’t count in my savings goal. I’m hoping that’s enough large purchases for a while now. 

I’ve slightly altered my savings goal for the year which is to have £10,000 saved by the end of 2025. This is including my emergency fund and s&s ISA. I think this is going to be very ambitious. I estimate we can save another £3,000 before the end of the year but factoring in car costs, I think we will end the year below the £10,000. Either way I’m proud of the progress made this year. Despite reducing my hours at work this year due to health, we’ve still managed to be on track with our financial goals.

I have been struggling quite a bit with my health recently, but I am trying to focus on healthy plant based food where possible, a little bit of movement such as short walks and yoga/stretching. I am also trying to get back into reading which I love but have neglected quite a bit recently. I’ve just bought a few 99p kindle books which should keep me going for a while. Although I find this hot weather quite difficult, I am trying to embrace summer as much as I can by enjoying the garden, watching the butterflies and listening to the birds. I know I will miss it when we are in the depths of winter. And of course, no heating on is a big plus. 

sunshineli

seventh88 said:

Congratulations on the one year anniversary of living in your home! Well done on building a solid foundation for yourself with the emergency fund first, before looking at overpayments. It sounds like you found the vinted dress just in time, the other one will be easy to return, and now you know it fits because you've already tried the same one on! It's a win win! 

Thank you! I do feel having a good amount of savings behind us before making overpayments will make us feel a bit more financially secure. For example having funds available in the event of job loss/redundancy/house emergencies etc. I do find Vinted quite difficult sometimes and being an awkward size (petite) I need to try things on before purchasing. It works well when you can try the brand in the shop and then look for something similar on Vinted.