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Plodding Along
Comments
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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: 111/130
Bank Loan Original End Date: 08/2030
Current End Date: 08/20302 -
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 - £5300 - £7200
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£0.00
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £840
*Total debt - £8040/£11641.17*
Savings
*Savings Buffer - £100/£1500
*Emergency Fund - £1500/£1500
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: 111/130
Bank Loan Original End Date: 08/2030
Current End Date: 08/20301 -
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: 111/130
Bank Loan Original End Date: 08/2030
Current End Date: 08/20301 -
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: 111/130
Bank Loan Original End Date: 08/2030
Current End Date: 08/20301 -
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: 111/130
Bank Loan Original End Date: 08/2030
Current End Date: 08/20302 -
Good luck with your application. V x0
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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: 111/130
Bank Loan Original End Date: 08/2030
Current End Date: 08/20300 -
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: 111/130
Bank Loan Original End Date: 08/2030
Current End Date: 08/20300 -
Nothing wrong with ‘plodding along’ if it is in the correct direction!0
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