The Happiness Fund.

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  • savingwannabe
    savingwannabe Posts: 16,610 Forumite
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    holy cow I am sitting here eating spag bol and i get a text to say someone has bought my jacket for £25.
    Aiming for a minimal spend 2022
  • Skint_yet_Again
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    yay :j:T:beer: :T :j
    0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
    House sale OCT 2022 = NOW MORTGAGE FREE 🤗
    House purchase completed FEB 2023 🥳🍾 Left work. 🤗

    Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).

    Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1

    Living off savings diary
    https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p1
  • savingwannabe
    savingwannabe Posts: 16,610 Forumite
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    edited 27 February 2017 at 7:52PM
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    So happy. It's one of those days when it works out. Usually i am in bed and too exhausted to move but today it all happened.

    I am taking a bow. Wish i'd never bought the jacket in the first place though you never get back what you paid but something is better than nothing.:j:j:j:j:j:j:j:j

    My Norton subscription expires tomorrow. I have just renewed it. It was only 19.99 direct from Norton but higher everywhere else. So today has cost £70 so far.

    I think I get paid at midnight. I think so hurrah.
    Aiming for a minimal spend 2022
  • Maiden_Mum
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    Well done on selling your jacket!
  • savingwannabe
    savingwannabe Posts: 16,610 Forumite
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    edited 27 February 2017 at 10:13PM
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    OMG. I just found 48.12 in my paypal account from sales over the last few months. I have put it into my xmas fund account to make up for the book cases I purchased using Christmas Fund money. Yay. Ebay is so helpful. The things sell for little amounts a few pounds here and there but it soon adds up. I had no idea there was so much in there.
    Aiming for a minimal spend 2022
  • Skint_yet_Again
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    Great news SW - with the way your day has gone you should have bought a lottery ticket today ;)
    0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
    House sale OCT 2022 = NOW MORTGAGE FREE 🤗
    House purchase completed FEB 2023 🥳🍾 Left work. 🤗

    Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).

    Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1

    Living off savings diary
    https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p1
  • savingwannabe
    savingwannabe Posts: 16,610 Forumite
    First Anniversary First Post
    edited 28 February 2017 at 8:45PM
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    Lol!!!! Payday. I am waiting to see how much I have left after the bills go out. So happy. I love payday!!!

    Am clothes washing and managed to do a dry outside too.

    However, then I had to pluck up courage to write a difficult lesson. I started it but didn't get far as I didn't have textbook but a kind work friend has just bought one for me so I will crack on tomorrow.

    The drawer was locked in the post office so I couldn't send the fleabay jacket that sold today I have to go back tomorrow.

    Handyman came with second bookshelf and he will attach them to the wall tomorrow and add an extra couple of shelves for my stash. I am hoping to be able to re pack and sort my garage up later in the week after my lesson is written. As long as it is complete before my parents come on Monday I will be happy. They love tidiness like me.( I will have to pay for this building work with my xmas fund which was replenished from fleabay sales- it's got to be paid).

    I've done the calculations, after all my bills are paid and I have saved £300 I have £150 for food, travel and fun. I can do that.

    It's funny isn't it? although I have a nice job ( I cant do full time due to illness), I don't have so much left after all my bills are paid. In the olden days I didn't calculate how much I actually had and always perceived myself to be much more cash rich than I actually was. Hence the spending when socialising with friends. Well that, my friends, is now a thing of the past. I will have the odd coffee but really cant afford much more now. I don't feel bad about it. I feel grateful that I actually know the truth. I had been fooling myself for so long. I might not have been in debt (except for mortgage) but it was such a silly way to live. I was keeping up the Jones's but on a very minor salary. I think I really only realised this in November.

    I am going to hold off going to the supermarket for as long as possible to keep the spending down. I have lots in the freezers and mum and dad will turn up with plenty next week. Yay here's to being cash smart and not a Jones! (Apologies to the Joneses out there, why do we say 'keeping up with the Jones'? Why don't we say Smiths? Browns' or in my case the Singh's?!!!! lol.
    Aiming for a minimal spend 2022
  • Skint_yet_Again
    Skint_yet_Again Posts: 7,569 Forumite
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    edited 28 February 2017 at 8:52PM
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    I bet the shelves will be great one they are done and you will be all tidy ! Lovely that your parents are coming to stay and will look after you. I had a chuckle at your comment re the Joneses :rotfl:

    I did a search and Wikipedia (don't know how true it is )mentions the saying comes from a comic strip in the New York World newspapers from 1913. I thought it was a 70's thing !

    I am the same re socialising these days. But if you enjoy visiting local areas and walking and museums you can do things fairly cheaply - it depends whether your friends like similar things. I don't mind a short wander round the shops but its mostly window shopping these days and I cant manage a pub crawl these days (probably would be crawling by the end of the night with my bad back ;) must be old and past it !


    Well done on making your food last. I think stores in the freezer / cupboards are there to be used when times are harder.
    0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
    House sale OCT 2022 = NOW MORTGAGE FREE 🤗
    House purchase completed FEB 2023 🥳🍾 Left work. 🤗

    Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).

    Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1

    Living off savings diary
    https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p1
  • savingwannabe
    savingwannabe Posts: 16,610 Forumite
    First Anniversary First Post
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    Thanks Skint Again, I might do a supermarket shop after all £150 is feasible. Probably on Thursday.

    I will wake up early and start my lesson to get it out of the way.

    Unfortunately my friends (not my MSE friends like Steve) like to eat out in a big shopping complex and go to the cinema. They don't do the beach or museums or free things and get upset that I don't buy when they do. They do it almost every week. I just don't earn what they do so I am not going to do it. I am going to stop feeling guilty about it. I am saving for the long term and that is nothing to be ashamed of ya know? In case I lose my job or have to change my career based on my illnesses I do need a solid savings fund to take care of the mortgage. They have other priorities and I can still meet them for coffee or a drink. lol.

    This is an epiphany - The new me. I haven't been Billy Grahamed but Martin Lewised!!!! :j:money::D
    Aiming for a minimal spend 2022
  • savingwannabe
    savingwannabe Posts: 16,610 Forumite
    First Anniversary First Post
    edited 1 March 2017 at 5:03PM
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    Oh dear so much for waking up early, I was ill in the night and woke up at 8. Then read the papers and went back to sleep.

    I have done first draft of lesson and sent it in for checking by colleagues. I am off to post office. I realised why I kept sleeping earlier blood sugar was v high. Silly me.

    I might do a supermarket shop tonight. It's a bit grey outside.

    swx
    Aiming for a minimal spend 2022
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