New Journey
Comments
-
Oh dear a visit to dentist is costing £244 , I knew it would cost me this. Panicking at first , but will have to use EF , no choice. Have had another bill as well that I had forgotten as well . My yearly tenancy agreement charge another £75 . My funds are depleting before my eyes, however a year ago it would have all gone on a credit card but at least I have the money. Will just work on getting the EF back up again.
Need payday to arrive , to top all my funds up again.0 -
I used to get a charge like that when I rented. It was for 'admin' :rotfl: I phoned and asked if we could move to a rolling contract instead of a 6 month term or whatever, and what the admin fee would be if we did.
She said, "Of course you can. There's no fee for that." I was :j that I'd saved the money but :mad: that I wouldn't have known if I hadn't asked.
Anyway, always worth askingSPC 11, No. 062 DFD November 2020
Aug 2017 B'card £5006.83 BoS £1086.59 MBNA £0 Total: £6093.42
Aug 2018 B'Card £995.06 BoS £863.43 MBNA £3,644.98 Total: £5503.47
9.68% paid off0 -
Cumbria_lass wrote: »Oh dear a visit to dentist is costing £244 , I knew it would cost me this. Panicking at first , but will have to use EF , no choice. Have had another bill as well that I had forgotten as well . My yearly tenancy agreement charge another £75 . My funds are depleting before my eyes, however a year ago it would have all gone on a credit card but at least I have the money. Will just work on getting the EF back up again.
Need payday to arrive , to top all my funds up again.Trying to figure out a whole new life. Trying to figure out a whole new budget.
Divorcing, unclear on final debt total right now, but focusing on building a financial buffer zone.0 -
Thanks Hellsbell and TOPM . Done something very not MSE have gone back to my old gym today , the cheaper one wasn't appropriate to my life style. Another £10 a month but at least I will be going more often than I had. Been tonight and loved it .
That's it , when is payday !0 -
Hope all London MSE users ok after this mornings attack.0
-
Cumbria_lass wrote: »Thanks Hellsbell and TOPM . Done something very not MSE have gone back to my old gym today , the cheaper one wasn't appropriate to my life style. Another £10 a month but at least I will be going more often than I had. Been tonight and loved it .If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them.
Solicitor/survey savings 300/1700
Emergency fund 0/1000
Buffer fund 0/2000 -
Doingitanyway, I see it as a treat as well , I look forward to going now , takes all the stress away having a good swim or gym session.
Have had a terrible month moneywise , EF has had a massive hit, car insurance , tenancy fee , dentist .
Yesterday I bought myself new clothes for winter as I must have had a bigger cull than I thought earlier in the year . Have spent almost £120 on work clothes all from matalan and charity shop. This includes boots and pair of shoes plus some new underwear , used debenhams voucher from topcashback for this .
Am setting myself a no clothes spend now until Christmas as I don't need anything else.
I still feel guilty when I spend any money . My EF will be all but gone I think I have £150 in it . However at least nothing has gone on credit card and payday tomorrow so back to proper budget .
Have lots of Christmas presents already , and have money in present fund . Haven't touched that at all for anything other than presents.
Next weekend I go away for a few days , spa day with a friend and then a few days doing a hobby of mine . Everything barring petrol is paid for .
I suppose I should be proud of what I have achieved since January and realise that all the money I have spent is mine that I have saved , but somehow it doesn't feel right.
Anyway shopping in Mr A soon with about £13 in food budget plus the rest of my £15 entertainment money which is about a fiver .
Have found some things to eBay so they will be bring listed today .0 -
Shopping was £:16 am happy with that '. Just want to get tomorrow's payments done , then start on the way again. No real harm done , just everything has come at once.0
-
Payday at last , transfers done . Hoping to try and put money back in EF this month . Will update totals in signature.0
-
Smallest card I have made the balance £1000 , can't wait to make it the 900's .0
This discussion has been closed.
Categories
- All Categories
- 342.5K Banking & Borrowing
- 249.9K Reduce Debt & Boost Income
- 449.4K Spending & Discounts
- 234.6K Work, Benefits & Business
- 607.1K Mortgages, Homes & Bills
- 172.8K Life & Family
- 247.4K Travel & Transport
- 1.5M Hobbies & Leisure
- 15.8K Discuss & Feedback
- 15.1K Coronavirus Support Boards