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Spendy Wendy to Saver Savvy

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  • daintydaisy
    daintydaisy Posts: 119 Forumite
    Fourth Anniversary 100 Posts Photogenic Name Dropper
    I’ve been thinking it was Thursday all day today too so you’re not alone!! Haha. I read through all your posts the other day and you’ve really inspired me to get a grip on my finances! You’re doing so well with your budget. 
    Daisy's Debt-Free Diary 

    2/29lbs lost

    CC1: paid off! 
    CC2: £599 (0% until Jan 2026)
    CC3: £2481 (0% until Dec 2027)
  • Spendywendywoo
    Spendywendywoo Posts: 243 Forumite
    100 Posts Photogenic Name Dropper
    @daintydaisy, thank you and thanks for stopping by and commenting.  I can’t believe the difference and the progress we’ve made in just two months. If it all becomes a little overwhelming to start with, my suggestion would be to focus on tracking what you are spending, the realisation of that will certainly help motivate you to change (if change is needed, that is). Good luck, and do let me know if you create your own diary x
    Mortgage (MFD 04/2053) (Jan 25) £238,983.71. Overpayment set to £200 per month. Current: £235,620.31
    Car Balloon Payment £12,243.60, due Nov 25. Saved £7,362.30, £4,881.30 remaining

    2025 goals:
    20 / 25 books
    10 / 25lbs lost
    £1000 / £1000 EF 

    DFW Diary: Spendy Wendy to Saver Savvy — MoneySavingExpert Forum
  • Spendywendywoo
    Spendywendywoo Posts: 243 Forumite
    100 Posts Photogenic Name Dropper
    Well, I didn’t even start the cleaning I was suppose to…I ended up having a bit of a funny turn earlier after I’d posted and so opted to rest and do some planning instead. I really ought to get checked out as I’ve been a little unwell (but functioning day to day) for a few weeks now. I have a little ear ache now so think it could be sinus or ear related, perhaps. 

    Anyway, I’m glad I listened to my body as I had a relaxing bath, then I have spent a couple of hours planning the following; 

    * reviewed the next months activities, birthdays, events, meals out etc (14th-14th April)
    * reviewed next months budget and assigned budgets to each categories based on the above
    * assigned savings from wages to the various annual and saving pots (these are looking healthy and we’re actually using wages to pay for our holiday this year instead of using savings or drawing down on our investments)
    * done a meal plan for the next week and half
    * booked a click and collect for Friday (no cost for click and collect which was a bonus)
    * decided to do a spring clean plan tomorrow night so I can then put that into action of the next couple of weeks before the weather is hopefully nicer and we can start on outside restoration before summer hits 

    Think it’s time for an early night, night all :) x
    Mortgage (MFD 04/2053) (Jan 25) £238,983.71. Overpayment set to £200 per month. Current: £235,620.31
    Car Balloon Payment £12,243.60, due Nov 25. Saved £7,362.30, £4,881.30 remaining

    2025 goals:
    20 / 25 books
    10 / 25lbs lost
    £1000 / £1000 EF 

    DFW Diary: Spendy Wendy to Saver Savvy — MoneySavingExpert Forum
  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Great progress there.  Have a lovely weekend.
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • daintydaisy
    daintydaisy Posts: 119 Forumite
    Fourth Anniversary 100 Posts Photogenic Name Dropper
    You’ve made such great progress in a short amount of time - it must be a big weight off your shoulders. I can’t wait to feel like that eventually! I’m in the very early steps of my debt tackling journey but eager to get ahead. 

    What books have you been reading & enjoying lately? I love to read but been in a bit of a slump lately - haven’t enjoyed the past couple I’ve read (well, one I’m still reading!!)

    have a great weekend! 
    Daisy's Debt-Free Diary 

    2/29lbs lost

    CC1: paid off! 
    CC2: £599 (0% until Jan 2026)
    CC3: £2481 (0% until Dec 2027)
  • Spendywendywoo
    Spendywendywoo Posts: 243 Forumite
    100 Posts Photogenic Name Dropper
    @daintydaisy, thank you. Keep plugging away, you’re already so much closer to where you want to be just with your attitude alone 😀

    I enjoy easy read books tbh, something I can pick up and drop quite easily as I often only get time between errands or whilst having a brew. Susan Lewis and Colleen Hoover are often go tos but I read anything I can find that’s interesting in the charity shop. It’s 3 books for £1 at my local charity shop so even if I don’t like the book I can return and get more. I’ve actually put two books down this year, even though I was 1/3rd way through each because I just wasn’t enjoying them. They don’t get counted as read books but my logical is that I’m not wasting more time than is necessary trying to get through them if they are not enjoyable x
    Mortgage (MFD 04/2053) (Jan 25) £238,983.71. Overpayment set to £200 per month. Current: £235,620.31
    Car Balloon Payment £12,243.60, due Nov 25. Saved £7,362.30, £4,881.30 remaining

    2025 goals:
    20 / 25 books
    10 / 25lbs lost
    £1000 / £1000 EF 

    DFW Diary: Spendy Wendy to Saver Savvy — MoneySavingExpert Forum
  • Suffolk_lass
    Suffolk_lass Posts: 10,299 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    @daintydaisy, thank you. Keep plugging away, you’re already so much closer to where you want to be just with your attitude alone 😀

    I enjoy easy read books tbh, something I can pick up and drop quite easily as I often only get time between errands or whilst having a brew. Susan Lewis and Colleen Hoover are often go tos but I read anything I can find that’s interesting in the charity shop. It’s 3 books for £1 at my local charity shop so even if I don’t like the book I can return and get more. I’ve actually put two books down this year, even though I was 1/3rd way through each because I just wasn’t enjoying them. They don’t get counted as read books but my logical is that I’m not wasting more time than is necessary trying to get through them if they are not enjoyable x
    I'm like that with our Women's book club. I just stop. It is my choice this month and I have them reading the first of the Disc-world novels by Terry Pratchett; The Colour of Magic - I doubt they will enjoy it, but one or two may. If they start getting the literary references to other classic works they might.

    Last month we read Twenty Years Later - Charlie Donlea - after a slow start, it got better, but I worked out the twists and turns ahead of the various reveals throughout (I credit this to years of reading PD James, all the Cadfael novels and many, many other murder mysteries!). The best book we have read in the last year is The Rose Code (Kate Quinn) which threaded a number of historically accurate threads into the book - I recommend this if you haven't read it. I often get mine from WOB or Abe books to keep the costs down
    Save £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
    OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
    I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
    My new diary is here
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