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Plodding Along
Comments
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I think I overcomplicated the budget this month by putting money in to a sinking fund for things I would have paid for from my "other" category in my regular budget. it also makes it look like I have more no-spend days as I keep track on a different section of the spreadsheet.
I will put aside money for holidays and car maintenance, but not for hobbies and homewares.
I might keep the one for the cat as I bulk buy his food and litter so I regularly go over budget one month and then under the next.Current No Spend Challenge: 13/13
2025 No Spend Days: 147/150
Bank Loan Original End Date: 08/2030
Current End Date: 08/20301 -
A big part of this journey is figuring out what works best for our individual needs. It's good to try new things but we don't have to stick to them if they don't serve us well.Debts 04/01/25 01/12/25
Natwest2 £6,509.97 £5,600
NatWest CC £7,612.74 £6,680
Lloyds CC £6,112.60 £4,690
1st Direct CC £176.03 £144.20
CC total £20,411.34 £17,114
TSB OD £500 £0
1st Direct OD £600 £0
Car loan £4,000 £4,000
1st Direct Loan £10,684.44 £8,160
Total £36,195.78 £29,274.20
EF £1,002.83
HF £203.990 -
Payday today so I've done the money shuffle and put everything in to the correct accounts. Last big payday before I go down to part time hours so squirrelling as much away as I can now. I'll apply for Christmas jobs soon since there are a few already on Indeed.Current No Spend Challenge: 13/13
2025 No Spend Days: 147/150
Bank Loan Original End Date: 08/2030
Current End Date: 08/20302 -
I'm back from a trip to Italy, it was great and I didn't spend too much. I'm so proud of myself for going as it was my first holiday abroad and I went solo.
I've applied for some Xmas jobs but nothing so far. I have enough with PT wages to cover everything but it would still be nice to get a boost so that I can spend more on the campervan conversion.
The weather is miserable and I'm struggling to find motivation to do anything. I should go and find the vitamin D tablets!Current No Spend Challenge: 13/13
2025 No Spend Days: 147/150
Bank Loan Original End Date: 08/2030
Current End Date: 08/20303 -
Well today was an expensive day. I now have a gym membership and bought a few things to start the campervan conversion. It will give me something to do while I'm not doing many hours at work, and allow me to get out and about a bit too.Current No Spend Challenge: 13/13
2025 No Spend Days: 147/150
Bank Loan Original End Date: 08/2030
Current End Date: 08/20301
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