We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Let's get this sorted then!
Comments
-
I just plant loads and see what survives 😂
I could make a much longer list of everything that had failed this year.
Chickens are terrors, ducks are much nicer. If only I liked duck eggs as much as chicken eggs.
Debts 04/01/25 01/10/25
Natwest2 £6,509.97 £5,830
NatWest CC £7,612.74 £6,830
Lloyds CC £6,112.60 £4,940
1st Direct CC £176.03 £0
CC total £20,411.34 £17,600
TSB OD £500 £0
1st Direct OD £600 £250
Car loan £4,000 £4,000
1st Direct Loan £10,684.44 £8,710
Total £36,195.78 £30,3101 -
🤣 when we are debt free we shall only dine on quails eggs
Have a little faith, baby, have a little faith". Oddball - Kelly's Heroes2 -
Rolled in gold leaf please!Debts 04/01/25 01/10/25
Natwest2 £6,509.97 £5,830
NatWest CC £7,612.74 £6,830
Lloyds CC £6,112.60 £4,940
1st Direct CC £176.03 £0
CC total £20,411.34 £17,600
TSB OD £500 £0
1st Direct OD £600 £250
Car loan £4,000 £4,000
1st Direct Loan £10,684.44 £8,710
Total £36,195.78 £30,3101 -
Realisation number 37 -
I usually just about survive til payday, borrow bits from here there are everywhere (my own money though) to make it through, then spend loads quickly because I celebrate the survival, then panic about not making it through the following month.
Why has it taken me til today to realise that my wages, on the last working day of the month, are technically the money I have to last that full following month?!?!?!?!?!
So if I get paid on the 28th, it does not mean spend some quick because it's not the next month yet.
I need to slow down. Reframe my thinking that those days in between are for planning and sorting in preparation for the 1st of the month when the cycle of bills, DDs etc kicks off again.
I do have a mostly functioning brain, honestly. I finished school, I went to uni, I hold down a job. Days like this I really wonder how I have managed to function as an adult if it's taken me this long to realise something so bloomin obvious.
Edited to add: at least I've realised 2 days before pay day this month!Debts 04/01/25 01/10/25
Natwest2 £6,509.97 £5,830
NatWest CC £7,612.74 £6,830
Lloyds CC £6,112.60 £4,940
1st Direct CC £176.03 £0
CC total £20,411.34 £17,600
TSB OD £500 £0
1st Direct OD £600 £250
Car loan £4,000 £4,000
1st Direct Loan £10,684.44 £8,710
Total £36,195.78 £30,3105 -
I'm still changing my mindset about ways to approach things and I'm not far off retirement age. I don't think you ever stop evolving as a person.
I think your idea about allowing yourself £10 a day is brilliant. If you add up all the bits and bobs here and there over the month I bet it would add up to £300, if not more.I get knocked down but I get up again (Chumbawamba, Tubthumping)3 -
@Sun_Addict I felt like it was a ridiculously massive amount, but that's about how much was disappearing without me realising anyway so at least this way I can think about it without panicking. Once I've got to grips with exactly how much I'm spending and on what I can think about reducing it or creating more pots for things to get it under control.
So tonight I have checked my spreadsheet and made some handwritten notes (sticks in my brain better if I hand write), separated my money into more pots to get it all sorted before it hits my account in the morning. It still seems like I should have a lot more money left than I actually do. Why is my maths not mathing?!?
Hopefully this is another step in the right direction of figuring all of this out.
I have to put a bit of the surplus this month aside for accommodation for my holiday in September. That should be about £70 so not too bad. I also need to put money aside for my MOT.Debts 04/01/25 01/10/25
Natwest2 £6,509.97 £5,830
NatWest CC £7,612.74 £6,830
Lloyds CC £6,112.60 £4,940
1st Direct CC £176.03 £0
CC total £20,411.34 £17,600
TSB OD £500 £0
1st Direct OD £600 £250
Car loan £4,000 £4,000
1st Direct Loan £10,684.44 £8,710
Total £36,195.78 £30,3101 -
Guess who still had enough of July's wages left to pay for fuel and dog walker today??!!?? That is a very strange feeling.
Well, technically I had to put my fuel on my credit card temporarily because I forgot the pin for my current account card, but I'll pay it back now and it's still an improvement.
Slowly slowly changing how I think about money.Debts 04/01/25 01/10/25
Natwest2 £6,509.97 £5,830
NatWest CC £7,612.74 £6,830
Lloyds CC £6,112.60 £4,940
1st Direct CC £176.03 £0
CC total £20,411.34 £17,600
TSB OD £500 £0
1st Direct OD £600 £250
Car loan £4,000 £4,000
1st Direct Loan £10,684.44 £8,710
Total £36,195.78 £30,3108 -
That's brilliant, well done!"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 McGee1
-
Fab progress been made daily2
-
Well done. Keep making breakthroughs.
I still think being paid should be cause for a little celebration...a tiny splurge...you just need to include the payday splurge in your budget?If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 3501000
Buffer fund 0/100
Debt Free (again) 25/0720251
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351.9K Banking & Borrowing
- 253.5K Reduce Debt & Boost Income
- 454.1K Spending & Discounts
- 244.9K Work, Benefits & Business
- 600.4K Mortgages, Homes & Bills
- 177.4K Life & Family
- 258.6K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards