YNAB robber needs help to execute the plan

Wanna_Bee_Free

I've added £1.50 Vinted £11.57 surveys and £14.60 TFL compensation for Monday's delay to my savings. The total is now £237.71 since the start of August. All these little amounts are adding up over time.

Spend day today out and about in London. Also bought birthday cards for OH. Now just his main present to sort.

Blackcats

Your travel prep is now very organised and saves you money too.  When I had to travel for work I used to take a pot of homemade overnight oats with fresh fruit and a nice flask of tea.  It was actually easier than queuing at the station and it was a treat to get settled on the train and enjoy my breakfast.

i hope your little sister gets her UC paperwork sorted.  Chase or Monzo are good basic accounts.  There are sometimes cashback offers on £co for opening accounts.  Santander was paying £15 cashback - not sure if it still is.

Wanna_Bee_Free

Two no spend days over the weekend and another one planned today so that makes a total of 8/10 in my first NSD challenge. I am finding it very motivating keeping count and have been putting lots of effort into taking  food and drinks out with me. The tough day was Saturday as I left my phone behind by mistake and thought I might have to buy an A-Z but the lovely people at the visitor centre at Liverpool Street gave me a printed map to where I was going - amazing!

Family day today and then I am home alone tonight. I do not want to waste money I don't have on a takeaway. I am planning fish fingers or scampi, chips and peas from the freezer later. Anything edible we have in the house is fine.

I am hoping moths are starting to breed in my purse although I will be opening it again tomorrow. 

Wanna_Bee_Free

I did well on Monday night, ended up eating cheese on toast and not getting a takeaway. Tuesday was £9.25 at the quiz in admission and drinks. Yesterday I bought a loaf of bread and had a haircut.
I am sure that it was posting on the January NSD thread that stopped me buying anything else, even though it was a spend day I wanted to only do essential stuff. Hobby night cancelled last week and this week so some money saved there. 

Today I have my tea in a thermal cup, sandwich, twiglets and almonds to try and stop me buying anything today on the journey to family. My main temptation point is the platform cafe when I change trains but my own cup of tea from home has got me through that one so far. 

Vinted sale so £2 winging it's way to me this week. Savings pot currently £237.71 - getting close to my initial goal of £250 now!

I am feeling low at the moment. While writing and looking for positives for this post I am reminded of something very important. My credit card currently has a zero balance in January and there is no Christmas or November birthday spending hanging over me. When I first found this forum in 2007 I was over £25k in debt and it is such a relief to be here in January. I am skinter than I'd like to be and with OH leaving his job next week it is scary but things have been a lot worse in the past. 

Blackcats

Zero credit card balance in January is an amazing positive.  Not only that, but you also have money in savings and have steadily added to savings so that you are only £12.29 away from your target!  When you get to £250 get yourself a little celebratory treat - a bar of chocolate or a £1 bunch of daffodils so that you can enjoy the milestone moment.

Wanna_Bee_Free

Thanks Blackcats, I am now only £10:29 away from my target with £3.90 so far this month in pr0l1fic.

Yesterday and today are No Spend Days. I've been keeping a list of all the things I want and can come back to them later in the year to revisit. Hopefully I will realise it's all junk and don't want any of it anymore.

I came down with a cold during Saturday night. Went ahead with family visit yesterday but I am resting at home today. Mainly a slight cough and a bad runny nose. I have lemsip. I slept for 12 hours I think. Little Sis is complaining she didn't want a new bank account and seems to be trying to avoid doing the next sensible thing. She has a Universal Credit in-person appointment today which I hope she can get to without me. I am concentrating on trying to keep on the straight and narrow myself. It's OH's birthday on Wednesday so I am hoping to be able to have a fun day with him by then.
s
What else, the zero balance credit card statement cheered me up today. Apart from that I am mainly full of tiredness and self-pity today. I have dug soup for lunch and chilli for dinner out of the freezer to avoid takeaway temptation later. It is feeling very monotonous today but I think I am just low after a stressful six months and getting the second cold after I only got over the last one.

Rhyddid2026

Also, general January eurgh! 

Wanna_Bee_Free

January eurgh! is exactly right Rhyddid2026. That's me today for sure. Sitting on the sofa is kind of money saving.

in_need_of_direction

having just paid my tax bill, i'm with both of you in terms of how i feel

Blackcats

According to the general media blurb it's blue Monday today.
Let's all have a nice cup of tea together to lift our spirits ☕️