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!
Plodding Along
Comments
-
Well, my phone developed an issue so I had to buy a new phone while the other one gets sent off to get repaired. The money will come out of the emergency fund. Hopefully I will be able to sell it when I get the old one back.Current No Spend Challenge: 9/13
2025 No Spend Days: 114/150
Bank Loan Original End Date: 08/2030
Current End Date: 01/20302 -
I took had an other category until like you i started realising what I was spending it on and setting up new pots. It's good to keep adjusting your budget as you learn more about your finances and spending.*Dad loan - £7000 - £7000
*Tesco Credit Card (0% 9/9/27) - £3623.18 - £3623.18
*Nationwide Loan - £11,000 -£11000.00
*Total Debt - £21623.18/£21623.18*
Savings
*Sinking Fund - £1400/2000
*Emergency Fund - £0/£3000
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/0 -
Last year I tracked how much was spent in each category but not individual transactions and so I couldn't really remember what I bought in the "other" category. It's been good being able to look at everything I've spent this year.Current No Spend Challenge: 9/13
2025 No Spend Days: 114/150
Bank Loan Original End Date: 08/2030
Current End Date: 01/20301 -
Yesterday was a productive day, I jet washed the caravan, fixed a broken bracket on the awning and fixed the front locker, which meant I could finally remove the hazard tape that's been holding the whole thing together. It cost a total of £7.16 for the bolts and a bit of drilling. I also found some work boots with arch support but I can reclaim the money back for them.Current No Spend Challenge: 9/13
2025 No Spend Days: 114/150
Bank Loan Original End Date: 08/2030
Current End Date: 01/20301 -
I completed another timed 5k in the kayak and came in 3 minutes faster than before, despite the wind, then had coffee with the gang and decided to go for a slow paddle since the kayak was all ready to go.
Yesterday was a spendy day with a haircut and buying some clothes, but since I now have a sinking funds for these, they were all budgeted for.
And a mini IKEA has just opened up in walking distance of me so I bought a boot tray for £2.50 so that when I put the wet kayak in the van it has something to drip onto.Current No Spend Challenge: 9/13
2025 No Spend Days: 114/150
Bank Loan Original End Date: 08/2030
Current End Date: 01/20301 -
We received an email at work yesterday saying there were a couple of contracts available over winter. I've applied for 40 hours so if I get it, then I'll be in a much better financial position and would be able to fully repay my Mum. I currently have 10 hrs guaranteed which doesn't quite cover my costs.Current No Spend Challenge: 9/13
2025 No Spend Days: 114/150
Bank Loan Original End Date: 08/2030
Current End Date: 01/20302 -
Good luck with your application. V x0
-
Thank you. I know one other person is going for it because they "replied all", which I think should automatically remove you from the application process(!)Current No Spend Challenge: 9/13
2025 No Spend Days: 114/150
Bank Loan Original End Date: 08/2030
Current End Date: 01/20300 -
Well, I didn't get the contract.
I did have a bit of an MSE day at the cinema. I saw 2 films as I had free tickets from a membership I bought a couple of months ago, which was 40% off. I bought tea in the cafe instead of the popcorn and drink combo, and then instead of buying food in the cinema, I went to Gregg's and used a gift card that I received from taking out insurance.Current No Spend Challenge: 9/13
2025 No Spend Days: 114/150
Bank Loan Original End Date: 08/2030
Current End Date: 01/20301 -
Nothing wrong with ‘plodding along’ if it is in the correct direction!0
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 355.7K Banking & Borrowing
- 254.9K Reduce Debt & Boost Income
- 456.1K Spending & Discounts
- 248.3K Work, Benefits & Business
- 605.9K Mortgages, Homes & Bills
- 179K Life & Family
- 263.7K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.7K Read-Only Boards