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Plodding Along

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  • InDebtEnby
    InDebtEnby Posts: 382
    100 Posts First Anniversary Name Dropper Photogenic
    Forumite
    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: 01/2030
  • Sarahwithlove
    Sarahwithlove Posts: 3,502
    Eighth Anniversary 1,000 Posts Name Dropper
    Forumite
    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/
  • 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: 01/2030
  • InDebtEnby
    InDebtEnby Posts: 382
    100 Posts First Anniversary Name Dropper Photogenic
    Forumite
    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: 01/2030
  • 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: 01/2030
  • 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: 01/2030
  • Good luck with your application. V x
  • 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: 01/2030
  • 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: 01/2030
  • Nothing wrong with ‘plodding along’ if it is in the correct direction! 
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