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Let's get this sorted then!
Comments
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Oh well.done on the IKEA shop! Luckily our nearest one is hours away so I don't go often but I always spend more than I expect to, all those things I didnt know I needed.
I'm with you on the dark nights - theyve already set off my hibernation mode and it's only been 2 days !
Have a little faith, baby, have a little faith". Oddball - Kelly's Heroes1 -
Another few days of doing not much but work. Also, the fireworks have started so I can't do much in the evenings except sit with my old lady (dog) who's got fearful in her old age. She used to stand in the garden and look at them with me, but one year one caught her by surprise. Luckily the younger dog isn't bothered. It means I've swapped thing's about a bit so I have an hour or two in the day to do chores or go to the shop or whatever, and then I make those hours up working in the evening on the sofa with the pooch.
I have however (from bed this morning) opened a regular saver for my emergency fund. It's only £600 at the moment but I'm finally in a place where I'm confident it will continue to grow and I have other pots for small unexpected costs. I might as well aim for the best interest rate I can get. I'm feeling very grown up. I don't think I've had proper savings since my late teens.
Today should be the last crazy busy day at work (although I'm sure I say this often) so I'm looking forward to having some energy left to do other things.
Best I get up!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 -
The freezer is pretty much empty. For tea I had some beef stew, but put the portion in a small glass dish and used the last of the pastry in the freezer to give it a lid and make it a pie! I think I'll buy more pastry but cut it into pie lids before I freeze it.
I'm working from home for the next 2 days, so although I have plenty of work to catch up on I can get house stuff done in between.
I don't quite know what's happened to my money this week, I thought I was going to have a massive underspend, but it's all gone a bit pear shaped all of a sudden. I had to get fuel today for work, which was unplanned. I've also had to get some little bits of shopping because I'm holding off doing a big shop. Lot's of little top up shops have not been good financially.
It's time to start planning my wages and spends for November too. I will have a low wage as I didn't put my mileage in, plus I have the dentist to pay for (about £300) and I really need to start buying Christmas presents.
I'm going to start planning a big shop delivery for the weekend too. I have lots of restocking to do. I need to decide on a few things to batch cook for the freezer too.
So! Lots of planning to do, but I am looking forward to it!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 £30,3100
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