YNAB robber needs help to execute the plan

Wanna_Bee_Free

I am also delighted to total up my prolific surveys this month. I have been much more focussed on them and it has paid off. £69.06 this month. :)

I also got a friend to repay me £15 for his pizza as part of a group order I put in early on in the month. When I was working I would have just taken the hit but I can't these days.

That plus getting a refund on the credit card interest makes £105.01 in total in October.

Blackcats

well done on your surveys - that's a great chunk of extra money.

It's v difficult for you with your sister. I assume she has her own money so perhaps you will need to ease her into paying for things for herself from her own money. I don't think it was down to you to pay for her jeans to be altered. Sorry if that sounds mean. Maybe you could get £100 cash float out of her account each month to keep in a separate purse to cover her spends that you are currently paying for?

Wanna_Bee_Free

Thanks Blackcats, that's a good idea. My short-term plan is to stick my hands in my pockets more and stop offering. Most of this I offered as I wanted things sorted.

Slowdown

Your budget breakdown is incredibly clear and you have actions in place. I’m impressed.

With regard to the quiz nights maybe you could go to one in three or four? Maybe host a quiz night at yours. Others could bring snacks and drinks. Pub quiz books are always on the charity shop shelves as far as I can see. Second hand Trivial Pursuit? It can be great fun without the expense. Could even swap around the houses and then go to the pub every so often.

The sister issues are trickier. Sometimes we do things at our expense for our own convenience. It’s quicker and less painful. But your sister is an adult, albeit an unwell one but is it possibly within her wherewithal to get a few things sorted. We’re all guilty of these actions at times but needs must when the devil drives as they say.

Anyway I think you’re doing brilliantly. Keep going. 🥰

PennysIntoPounds

That is a really good sensible eye on costs, bravo to you!

Though while needs must, I hope the spending on small joys like pub quiz and getting a round in aren't compromised over having the money to do so because it's less hassle to not ask sister and Dad to pay their fair amount for your expenses.

The small joys are really really important for keeping your sanity, and for having a social network to hear about opportunities or new ideas. I remember reading one of the covid enquiry things ages ago and it really struck me that someone with a bit of insight at least said something like 'we hadn't factored in how lonely people would be'

Wanna_Bee_Free

I have had a good week on keeping costs as low as possible and we won another quiz and OH won another without me. That means free drinks at these two venues later this month which is great.

My hobby night cancelled so I stayed in and moped which was very money-saving but not much fun. My sister had photos taken for putting her house on the market. OH had another interview for this same company. Next stage would be for him to spend a day in the office so hopefully he will hear he has been invited to do that soon. OH and I had decided to take our house off the market for 3 months so we can come back on as a fresh listing in the spring. The interest rate rises etc mean the market is very poor and only one of the 3 houses in our little street has sold. We emailed the estate agent to tell them and they'd had a viewing request through so I spent yesterday cleaning. The house looked great but I looked somewhat dishevelled by the end of it. I managed to go for a decent walk on Wednesday and Friday, there is a danger of me settling in to the sofa so much I turn into a sloth. Every time I leave the house it feels like I might spend money.

We were off to a fireworks party this evening but the host has come down with novovirus so OH splurged on fireworks tickets for this evening. I am really looking forward to it.