Should itsthelittlethings spend less on coffee?

katsu

Ms_Potato_Head said:

Don't feel bad about inconveniencing payroll for maximising your pension contributions! 

Totally this. Don't miss out on increased employer contributions. It's their job to process changes after all! 

itsthelittlethings

I’m not going to overpay my pension too much. I did it before and got very resentful seeing the reduced paycheck. It was worth it when I bust the 10k barrier though. I’m just going to chuck £10 a month into Nest.

I have some good news. I was awarded a bursary for a visible mending course at an art college. It’s next week so I think it’s too late to organise accommodation and travel (you might diplomatically ask how I would pay for it). I will email them and say thanks but I don’t get paid until the actual day of the course and I hadn’t booked travel and room. And that I hope the course goes well. I’ll do that tomorrow. I can’t wait to pay off my debt and do another course. It will be a while.

I’ve got some other good news. I have rediscovered my love of Chinese cooking. I am on a Discord related to East Asian food so I post pictures of what I cook there. I only like Chinese food. I will not be making Korean, Vietnamese or Cambodian. I’m also learning Chinese on Duolingo. I don’t know if it’s Mandarin or Cantonese. I kind of thought it’s the language of business. I can say tea, coffee, soup, tofu, water. Not amazing for 10 months.

I’m glossing over the bad news which is that I’m tired and in a bad mood. Roll on the week end. I’ve got £80 in my emergency fund.

Saver73

itsthelittlethings said:

I’m not going to overpay my pension too much. I did it before and got very resentful seeing the reduced paycheck. It was worth it when I bust the 10k barrier though. I’m just going to chuck £10 a month into Nest.

I have some good news. I was awarded a bursary for a visible mending course at an art college. It’s next week so I think it’s too late to organise accommodation and travel (you might diplomatically ask how I would pay for it). I will email them and say thanks but I don’t get paid until the actual day of the course and I hadn’t booked travel and room. And that I hope the course goes well. I’ll do that tomorrow. I can’t wait to pay off my debt and do another course. It will be a while.

I’ve got some other good news. I have rediscovered my love of Chinese cooking. I am on a Discord related to East Asian food so I post pictures of what I cook there. I only like Chinese food. I will not be making Korean, Vietnamese or Cambodian. I’m also learning Chinese on Duolingo. I don’t know if it’s Mandarin or Cantonese. I kind of thought it’s the language of business. I can say tea, coffee, soup, tofu, water. Not amazing for 10 months.

I’m glossing over the bad news which is that I’m tired and in a bad mood. Roll on the week end. I’ve got £80 in my emergency fund.

Re the learning Chinese on DuoLingo, I would think of it as a positive what you have learned so far.  

You know five more words than I do in any other language 

Saver73

itsthelittlethings said:

I’m not going to overpay my pension too much. I did it before and got very resentful seeing the reduced paycheck. It was worth it when I bust the 10k barrier though. I’m just going to chuck £10 a month into Nest.

Might be worth reviewing your pension to see if you are on track if you already have some idea when you'd like to retire.  Are you saying you're going to add £10 to Nest and is this in addition but separate to your workplace pension?  Have you checked your state pension?

itsthelittlethings

Saver73 said:

itsthelittlethings said:

I’m not going to overpay my pension too much. I did it before and got very resentful seeing the reduced paycheck. It was worth it when I bust the 10k barrier though. I’m just going to chuck £10 a month into Nest.

Might be worth reviewing your pension to see if you are on track if you already have some idea when you'd like to retire.  Are you saying you're going to add £10 to Nest and is this in addition but separate to your workplace pension?  Have you checked your state pension?

Yes and yes.

Thank you for taking the time to help me with my planning.

itsthelittlethings

I'm off to the gym in a bit.

Saver73

Enjoy your workout!  . I did a pilates class yesterday and I've booked in for a zumba class and a core/stretch class later in the week.

itsthelittlethings

Morning. Gym was ok yesterday, very busy. I feel a bit tired. Bought my train ticket to go and see my mum today.

Spends yesterday, about £8 Tescos.

My infection is better. I used tea tree moisturiser.

itsthelittlethings

I am so run down. Very tired. I'm really struggling with shifts at the moment and dreading going into work. I've sent an email today about another job so I'll see if I get a reply. One more day to my holiday. Looking forward to a break.

I was just watching The Traitors. I've never really watched it before. It's ok. It's puzzling to me. I don't really get why people like it so much. I should start watching tv more as I do enjoy it. Now I'm watching something called Black Ops which is great if a little surreal.

I've given Veganuary a rest as I was beginning to feel a bit run down. I did my best. It's definitely made me more open to cutting down on dairy and using it as a treat rather than relying on it. I had also started eating more meat after being semi-vegetarian which I didn't feel good about and I think it will help me to cut down on this.

Money is a bit disastrous. I may have to stay at home next week and will need my emergency fund for food etc. Otherwise tomorrow should be a no spend day. Then I'm doing overtime on Saturday and studying on Sunday.

I don't have anything very exciting to say as I feel like I just work and work at the moment. My computer is starting to get a bit grumpy and I'm dreading having to buy another one.

itsthelittlethings

Went through all my subscriptions. I have cancelled around £40-50 worth of stuff. Now I just have the basics and a gym membership. I noticed that my service charge went up to £190 in January. Usually it goes up in April.