Manifesting Money Magnet

debtfreewannabe321

Oh no poor ds1 😢 I really hope you can get to the bottom of what's causing the fatigue. X

Bananabreadyum

Yeah I know dfw, it's very worrying. And I'm as worried about their mental health as there physical health ds2 has always been better when busy.

Anyhoo, we spoke again yesterday and agreed not to rush until any decisions right now. We suggested on Monday he find someone in student support to talk to. Will ring again later today and see how he's doing.

Depressingly I looked at how long it would take to clear the CC on a 5 a day payment, roughly 11.5 months 😱😱😱 utterly depressing. And I know I am able to sometimes do bigger chunks, but equally sometimes I dont have a spare 5. Really wanted it clear by Jan. So it was abit of a shock. Going to cogitate on this and look at selling bits. Maybe shift it quicker, I want to get onto savings and possibly the mortgage.

The mortgage isn't so much of an issue really, OH pays it and also makes an overpayment each month of about 240 and it's now reached the stage where the interest is dropping and the figure is low enough that if we wanted we could probably just about clear it completely. Yet Oh doesn't want to help me with the CC built up from the poorly dog and dentist work. This has unfortunately made me feel a little bit upset about our finances in general. I need to get a plan and that requires savings

Pad 5

Sept total 347.26

CC 1815

Bananabreadyum

OK cogitation continues

I had a look at my accounts, I definitely need to reduce the number of accounts I have, but they are all useful!

The pot in st*rling are very helpful, but not interest as they are just part on the current Acc split. I had a pot for 'saving' so that was stupid. I have moved it to a saving account that is a regular saver with 5% this is now at £915.00

I could obviously throw this all at the debt, but I really really don't want to do this. It is my buffer and private savings pot. The rate is good so I'm going to try and drip in a little bit at the same time as the CC. I do also have about 1.5k in a stocks and shares account. But this really isn't too be touched unless absolutely necessary.

So plan is, crack on with cc smashing as much as possible and continue to add small bits to the saver.

Aim for minimum of £5 a day.

Keep doing PA studies📃

List items for sale 🖼️

Keep manifesting new clients for healing work 👌😍🙏

Bananabreadyum

Morning morning and ive been ages, but not yet started my actual work. Taken OH to the garage as his has a service. Looked up uni open days for DD. Have suggested a few for her to look at as without any help she is too overwhelmed. She thinks she wants to go away to uni. Im not in anyway sure she will cope. But lets see!!!

Open days seem to be through october and november!

PAD 5

sept total 352.26

CC 1810

debtfreewannabe321

What's the interest rate on the CC? Perhaps it might be a good idea to use the savings if it's high. If on 0% though I wouldn't touch savings either.

How is your DS now?

Bananabreadyum

Interest is 12, which is ridiculous, which is why I want it give as soon as. If it was on 0 I wouldn't have the same focus!

Maybe I should it would make me feel very insecure though as ridiculous as that sounds

Ds2 is the same, completely exhausted, still hasn't recovered from the train ride up and going to the supermarket in his car. He's literally done nothing but rest since Friday. He's pretty darn fed up! At this rate I dint think he'll be able to continue his course😭

Bananabreadyum

Morning. Busy work day today.

Mum came back last night after her week away, still no update on when she's moving. DS1 also still waiting for an update. So frustrating!

I cooked some chicken pieces last night that were just out of date, mum had one last night and the rest I need to use in our meal tonight. Just got to decide what meal🤣🤣🤣

Right must get moving

PAD 5

Sep 357.26

CC 1805

Bananabreadyum

Yesterday ended up non stop with one thing after another. Not bad, just constant. So very tired after tea.

Tea ended up being chicken pie. But it felt very heavy, so tonight will be a big salad. Might cook some quinoa too.

Other than that it's a work day, plus my healing work, plus F has a friendly game to need to take her too and then training this evening, so today will be busy too!

Saw a course I fancied doing last night. Well I've thought about it before, but this one is being run on the UK in October. But it's nearly 2k, plus I would need to stay 6 nights in a hotel 🤔🤔

It would add another whole dimension to my healing work. So tempting, and if the money was there I think I would try and do it,!

Pad today 5

September 362.26

CC 1800

Bananabreadyum

Definitely not signing up to any course, steer me away from the courses tll next year!!

So I did a thing, took dfws advice and rejigged the finances, took the 900 of my 915 grin the saver Acc, plus 50 from here 40 from the 16 from my tilly tidy, bits and bobs, called in another 50 I was owed pade it all onto my CC and that's now

£715!!

Much better than £1800 - but my savings buffer has now completly gone.

Now I am even more motivated to loose the last 700 and get my saving back up to 1k.

I have my work money to pay in tomorrow, although most of it is already allocated. I do have some money my mum has given me and another 15 in cash, so will be able to knock a bit more off tomorrow, yiippeeee😎

Bananabreadyum

Finally sorted out a proper avator😘😘

🍌🍞