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  • FIRST POST
    • Chandelier.
    • By Chandelier. 24th Jun 18, 1:15 PM
    • 930Posts
    • 2,476Thanks
    Chandelier.
    Savings for the Boy & Me
    • #1
    • 24th Jun 18, 1:15 PM
    Savings for the Boy & Me 24th Jun 18 at 1:15 PM
    Hello,

    I've only just stumbled across this board but I've decided it is a more suitable place for me to post. I'll start with a bit of a background,. My life consists of the boy (who is 7) and me. We currently live at home with my mum and I've no plans to move out anytime soon. This way I am able to save as much money as possible.
    I also have bipolar disorder and ADHD so life can be tricky at times and I need routine, structure and stability.

    Over the last few years I've been saving as much as possible into several accounts for numerous different things. I was also given a substantial amount of money as inheritance off a family member which enabled me to pay the off my car. So as life stands currently I have zero debt and a good amount of savings behind me.

    I have different bank accounts for different things such as yearly expenses that creep up, so I'm always one step ahead. I pay a set amount of money into these each month and must have around 10 different bank accounts but they all serve their own purpose.

    This year especially is a expensive year with everything we have going on. This includes a trip to Dublin, two hen dos, a caravan weekend away, a week in Cornwall and a two week Caribbean cruise. This is all within the next three months so obviously it's going to be spendy spendy.

    I want to save as much money as possible but I've come to accept this year I'll have to be less harsh on myself when it comes to reaching goals. The idea will be that once this is all over, next year I can focus harder on saving as much as possible and in the future I'll get myself onto the property ladder when I feel ready. I could currently do it now but with so much going on and with my mental health being up and down, it isn't the right time.

    So for now that's it and I'll go further into details in other posts to make it easier to read.
    Chandelier.
    Current Debt Repaid:
    104/619.

    Check out my Diary
Page 7
    • Chandelier.
    • By Chandelier. 18th Mar 19, 11:55 AM
    • 930 Posts
    • 2,476 Thanks
    Chandelier.
    Afternoon,

    It's been yet another few busy days since I last posted but I managed to get everything done that I needed to plus a couple of other things.
    • I bought the rest of my friends birthday presents. (I ended up buying her a mug, a candle and some chocolate tulips. I spent roughly 16 in total which came under budget, yay!).
    • I sorted out the rest of the mothers day presents. (As well as the key rings I bought them some chocolate tulips so the boy has something physical to give them in the morning before I make them afternoon tea).
    • On Friday, I went on a night out with manfriend. We went for food, played mini golf then had a few drinks. I think my total soend was 20, he paid for the rest. I'll return the favour at some point).
    • Saturday was a complete chill out day which was needed. (The boy went to his great grandparents and my cousin came to me but overall it was just a chilled out day).
    • On Sunday I met manfriend's Mum and we went out for lunch and for a small walk.(I was so nervous for this but all went well as far as I'm aware. We went to a country park type of place and had lunch in a cafe there which was nice. We then went back to his mums where we had tea and cake and had a good conversation. At least it's over and done with now).
    • The referral for the boys appointment came really quickly. (He was only referred on Thursday so this was really quick! My doctors are amazing. I've booked an appointment for May. It will soon be here).
    • I applied for another 0% CC. (I've done this more to put the expenses of our upcoming travels on which will give us extra protection. Its 0% for 26 months which is good and it gave me a rather generous limit. I'll most likely pay the minimums each month whilst putting my money into high interest accounts and pay it off in full at end of the promo period. I just need to be meticulous at managing it well and keep my eyes on things).
    • The boy has been successful in his auditions for the next Christmas ice skating show. (He is over the moon and so chuffed he got in. I'm so proud of him, I knew he could do it! Also all his friends managed to get in too which makes it even better. I just have to find the money now to pay for this. The total cost is 200 but it is split it over four months to make easier for people and I just need to complete the paperwork).

    That's pretty much it for the past few days. I've most likely missed other things out but they can't be that important if I haven't remembered .

    Today I'm off out for a meal and to the cinema with one of my best friends. We are using a 2for1 restaurant deal and the cinema is only 5 each so shouldn't spend too much. I'm then off to Bingo tonight with another friend which is free but we just have to pay 4 for a couple of other things. I'll take my own drinks so I'm not spending money there and making it a low cost activity.

    I really need to rein things in now as I'm having quite a few spendy days where I shouldn't. I'm buying things that I don't actually need and I could be saving that money. An example is I bought myself a new purse- I didn't need one, I just liked the look of it. I then bought myself new earrings. I'm just being a nightmare but I don't want this to continue. I've never been a big spender so this is pretty new to me.

    I've a lot of upcoming appointments this week which I need to keep track of. A couple are private appointments which I'll be paying for but are much needed.

    Alas one of the final things I'm treating myself too is having my nails done. I never do this and thought it would be nice as a one off. It's my friend who's doing them and she will most likely charge mates rates.

    I'm now on Day 15 of not smoking and all is going well. A few cravings here and there but nothing major. I've saved 130 so far which I'm chuffed with.

    And that's pretty much it for now. There are a few other things but I'll write them down again a later date.
    Chandelier.
    Current Debt Repaid:
    104/619.

    Check out my Diary
    • Chandelier.
    • By Chandelier. 2nd Apr 19, 3:03 PM
    • 930 Posts
    • 2,476 Thanks
    Chandelier.
    Afternoon,

    It's been a while since I last posted here and things have just been ticking along as they do. I've had a lot of things to contend with and my moods have been variable some days, however I'm getting through them better then I expected which is a positive.

    So what has been happening?
    • I attended a course in relation to my mental health. (It was a six day course which was interesting and I've learnt quite a bit from it which should hopefully be helpful in the future).
    • I earnt interest of 190 on one of my saving accounts. (My HTB isa matured its yearly interest.. I was shocked with the amount. I've left it as it is for now).
    • I made our own afternoon tea for Mother's day.(I made our own version of afternoon tea to show our appreciation for mothers day. The total ingredients that we needed to buy came to 9.76- considering afternoon tea costs around 12.50pp, I think this is a great saving as there were five of us eating it all. There was enough leftover that I made another afternoon tea for my friend and I).
    • The boy and I have been on quite a few days out. (We have had a couple of days out including the zoo and our local waterpark. We managed to get half price entry to both attractions and ate food before we went out and took our own drinks).
    • Things are going well with Manfriend. (I'm happy, he is happy. We have striked a nice balance with how often we see each other and have nights in as well as days out. We may possibly look for a short break/holiday somewhere in May together.. it will be our first adventure, hopefully one of many. I really like him).
    • I have officially been smoke free for 30 days. (I have managed to save over 200 from stopping. I've spent some of the funds but also saved some).
    • I've built my savings back up. (I have upped my savings and I am concentrating on on this fund as it is my holiday fund).
    • I've made extra payments to my CC. (With the direct debit coming out and some overpayments, the balance now stands at 445.00 which I'm happy about).
    • I ended up with a good surplus at the end of March. (What was leftover from here was split between savings and fun money to do as I please).

    So a lot of that sums up my past couple of weeks.

    I'm on the ball with my saving accounts which are ticking along nicely- I just don't want to touch them. All my other funds have been allocated to the appropriate accounts, ready for the month ahead. I feel in control of everything for once.

    I'm going to try and space things out a bit and limit my spends where possible. Every little shall help along the way.

    At the end of the day, it's all down to me what I want to do with my money. I'm choosing to spend a little whilst also saving whatever I can, where I can. I want to enjoy myself and make memories.

    Over the next couple of weeks, I shall be doing a lot of planning and organising as there are a few things in the pipeline, travel wise.
    1. May; a possible small break away with manfriend.
    2. June; a weekend away to Amsterdam with my best friend.
    3. August; arrange the travels for the boy & me.

    This will definitely keep me busy and I'll utilise all my MSE ways to look for the best deals around and for ways to save money which will stretch things out a bit further.

    Exciting times lie ahead!
    Chandelier.
    Current Debt Repaid:
    104/619.

    Check out my Diary
    • savingwannabe
    • By savingwannabe 2nd Apr 19, 5:11 PM
    • 13,974 Posts
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    savingwannabe
    Hurrah for savings and for all of your holiday planning and also nice time with Manfriend.

    I hope you are feeling better too it sounds like it!
    Christmas Fund 148
    Reminder: June Spending on fleabay 6.99
    • pinknsparkly
    • By pinknsparkly 13th Apr 19, 5:04 PM
    • 350 Posts
    • 823 Thanks
    pinknsparkly
    Amazing news on being smoke free for so long! Just think how much happier your lungs are now, and that's before any monetary savings that you also get!

    Sounds like you and manfriend are getting along swimmingly, you should definitely book a break together somewhere (but then I'm a complete travel-bug so perhaps slightly biased on that front!!) All your planned travels sound fab
    MFW 2019 challenge #99: 6,325.45 / 6,000
    MFiT-T5 (Jan 2019 - Jan 2022) challenge #99: 6,325.45 / 30,000
    Save 12k in 2019 challenge #99: 10,325.45 / 30,000
    2019 keep moving challenge: 232 / 1000 miles
    Last updated: 06/06/2019
    Initial MF date (18th Dec 2018): Jan 2054 Current MF date: Oct 2052
    • Chandelier.
    • By Chandelier. 21st Apr 19, 9:25 AM
    • 930 Posts
    • 2,476 Thanks
    Chandelier.
    Morning,

    How time flies! It's been nearly three weeks since I last posted here... oops!

    To be honest things have been ticking along rather nicely and I'm just getting on with the usual day to day things.

    The boy is currently off for the Easter holidays so I have mostly been doing things around our area that are free. There have been plenty of walks to break up the day and then we just
    chill out in the afternoon.

    We went away for a short break to the lakes to see my brother and his family which was nice. We had a lovely outing to Brockhole for the day, where the weather was shining and people were just generally having a whale of a time. There is so much to do there although some of the activities are pricey. The boy went kayaking and he had lots of fun just playing around with a football.

    The bank holiday weekend has pretty much been a chilled one so far. The boy is off to his grandparents for the next two days so I'm going to spend some quality time with manfriend and make the most of the weather. We are going to go out for a walk today and take a picnic which should be nice.. maybe I can tempt him into a drink in a beer garden to round off our day.

    In other news, I have been doing some research on our travel plans for this year.

    The boy would still like to travel around Italy this summer so I've been number crunching for that. We have worked out we will save over 800 interailing rather then flying. It's around 240 for my interail ticket and kids go free with a paying adult which is a bonus. I really need to look into it more. We have decided on places we would like to go and I have been collecting rough figures for accommodation/activity costs to give me a better idea. I just need to put together a rough itinerary and travel plan then start to get booking. I'm pretty excited for it but I'm unsure how long we will actually be away for. I have a budget of around 3.5k to fund this, give or take a couple of hundred.. I just want more flexibility when it comes to spending more. I will definitely use the MSE ways I've learnt over the years to save money where possible. It's going to be a great adventure once I've pulled it all off.

    Manfriend has booked us a short break for next month. We are going to Ibiza for 4 nights/5 days which should be good. We have decided to get a hire car so we can drive around the island and visit some of the hidden places you don't always hear about. I think the total cost of flights, accommodation and car hire is around 150 each which I'm happy with. I'll just need my spending money now but I'm sure I've got some euros left over from a previous holiday which can go towards this, I just need to find them . I'll use my foreign travel credit cards to get the best exchange rates whilst out there and I always have several other backup cards.

    I worked out I have 10 credit cards altogether but they all have different purposes. Some I use regularly and others not so much but I'm keeping them open for now. I may make the odd transaction on some just to keep them active. The 0% CC which has a balance is coming down nicely and the direct debit is now set up and working which I'm happy about.

    To be honest overall I'm quite happy at this point in my life. I'm not back at work yet but that will be a slow process when returning. I have a meeting next Friday about it but I still don't feel ready to return just yet. I'm just about managing to get a balance in my personal life. I'm grateful for what I have and those around me. I have many positives to reflect on that far outweigh the negatives and I'm working towards improving myself in whatever way possible.

    The boy is doing well and won 1st place in an ice skating competition the other week. I'm so proud of him and all that he achieves and admire his determination. I don't think it's an easy sport compared to some others but he is progressing nicely.

    I'm building up my relationships with people slowly but surely. I'm walking away from some people but becoming closer to others. I guess I'm having a bit of a life clear out in some ways but I know it is for the best. Sometimes when you go through rough patches it goes to show who is actually there for you and who isn't. It's an eye opener to be honest and has made me question a lot of things.

    Another thing I'm grateful for is manfriend. He is so patient and understanding with me and allowing things to go at my pace. I can totally be myself around him and tell him things I wouldn't necessarily tell others which always lifts a weight off my shoulders. It's like he is my new confidant and it is good that I feel this comfortable around him. He is also so kind, gentle and caring and always tries to give me a different perspective if I'm having one of my moments. We do a mix of things with each other from walks out in places, picnics, meals out and other activities. To be honest he is amazing and I can feel myself falling for him but by bit which is scary. I just hope he sticks around, it feels like I've known him much longer then I have. This is the first time I've had a relationship where things have been taken slowly and I'm enjoying it so much more. We are still learning things about each other and it's fun.

    Anyway I best get on with my day. The sun is shining and I'm going to make the most of it!
    Chandelier.
    Current Debt Repaid:
    104/619.

    Check out my Diary
    • savingwannabe
    • By savingwannabe 21st Apr 19, 9:53 AM
    • 13,974 Posts
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    savingwannabe
    I am glad you are feeling better and are having a lovely holiday. Man friend sounds really supportive. Interrailing sounds great. I have never done it but love the idea of it.

    Your work place sounds amazingly supportive they obviously think a lot of you. Hurrah. Enjoy the sunshine.
    Christmas Fund 148
    Reminder: June Spending on fleabay 6.99
    • Chandelier.
    • By Chandelier. 24th Apr 19, 1:15 PM
    • 930 Posts
    • 2,476 Thanks
    Chandelier.
    Afternoon,

    It's been a few days since I last posted and I've just been keeping myself busy.

    On Sunday, me and Manfriend went to Formby beach which is one of the National Trust sites not too far from us. We had a good walk around until we found ourselves a nice spot to have a picnic and then we chilled out for a bit. We then went home and had leftover spaghetti bolognese that his mum had made which was lovely.

    On Monday we then went out for a walk with Manfriend's mum through a local park and she treated us to lunch before we headed back to hers for a cup of tea. After that I headed off home as we were going out for tea to celebrate my mums birthday. I think my total spends for the day were less then 10 which is good considering all.

    Yesterday the boy returned home from his grandparents and we went to a local splash park with our friends. The kids spent a good while splashing around before heading onto the park close by. Our only expense was for an ice cream which cost 2.00. The boy had a lovely day and really enjoyed himself. He then went to his Nannys who then took him to football before he came back home. He was absolutely worn out last night.

    Today the boy has had his friend come round. So far we have been to the park and got McDonalds for lunch. They are now playing on the boy's switch before we head out to a local indoor play area that they want to go to. I originally set myself a budget of 25 for today which I should come under.

    The plan for tomorrow is to go to our local theme park which should be quiet as a lot of schools have already gone back. We will most likely take a picnic with us.

    We went food shopping the other day and bought enough things to last us the rest of this week. We mostly take our own food with us wherever we go on days out unless we aren't allowed. This saves us a lot of the money and at least the boy is eating what he likes.

    I have a meeting with work on Friday. I'm not sure what will come of it but I can only see. I still don't feel 100% ready to go back just yet. It's just a check in to see how I'm doing.

    Anyway.

    My bedroom is currently undergoing renovations. I've just chosen my wallpaper which is a light shade of grey with a hint of sparkle which will cover all four walls. The wardrobes are arriving at the weekend and then we will only need to choose our carpet. Once it's all done we will be putting the furniture and my possessions back in but I'll be having a good clear out as we do. Bit by bit, I'll reduce what I have so there is not as much clutter to go back. I have a feeling I shall be donating quite a few items to the charity shops which no longer have a purpose. I want my room to be my safe place and somewhere I can relax.

    That is pretty much it really. I've not yet planned anything for the weekend as I'm just taking each day as it comes and doing things at my own pace.

    All my income is in for the month ahead and I'm going to tweak things slightly as my income has slightly reduced.

    My car is due for its MOT so I need to get that booked in for next week. I'll look around for the best price as it will need a service as well. I mays well get it all done at once instead of faffing around. The car fund will pay for all of the work needed. I have been having issues with my dashcam so I've emailed the company I bought it from and I'm awaiting a reply. I'm hoping they will send me out a replacement as we have already tried changing one part.

    Anyway that's pretty much it for now. I'm trying to save money where possible but I do have other expenses coming up. It's finding the right balance. I think instead of going out for coffee/meals out to see my friends, I'll invite them to the house more to save money. I'm spending quite a bit on food which is a bit annoying.

    Bye for now!
    Chandelier.
    Current Debt Repaid:
    104/619.

    Check out my Diary
    • savingwannabe
    • By savingwannabe 24th Apr 19, 5:32 PM
    • 13,974 Posts
    • 47,480 Thanks
    savingwannabe
    It's great that you have been out with your friend and son and enjoyed the good weather. Well done on decoration planning of the bedroom. Good luck with work meeting.
    Christmas Fund 148
    Reminder: June Spending on fleabay 6.99
    • Chandelier.
    • By Chandelier. 28th Apr 19, 9:46 AM
    • 930 Posts
    • 2,476 Thanks
    Chandelier.
    Morning,

    This week continued to be rather busy and we had enough things to do to keep us entertained.

    I managed to keep the spends below 25 on Wednesday. The boys went to the indoor play area and had a drink and a snack there which obviously bumped up costs a bit. However they had fun so that's all that matters.

    On Thursday we went to our local theme park and got on a few rides before the boy headed off for a sleepover at his Nannys. I then went out for tea with my cousin where we had a good catch up which was nice. We used a two for one voucher which saved us both money.

    On Friday, I had my meeting at work. I have a feeling they are really going to drag their heels with regards to me returning to work. I need to really be careful about what I do next and have a good think about what I really want. There have been a few options laid across the table and I'm not sure which one to choose that is right for me. All I know is that I'm going to comply with what they say, collect as many things possible to state that I shall be fit to return to my job role. They are the ones making things difficult and causing me extra anxiety. I feel like they are adding extra pressure for me to return before I'm truly ready by scaremongering me a bit. I'll prove them wrong and get back to where I need to be. Anyway, I'm not spending anymore time worrying.. what will be, will be.

    After my meeting, I headed home before we took the boy out for a scooter ride. We went and purchased tickets for the boys ice skating show which is later on in the year. We got some really good seats and the tickets are only 10 each. However as we are going to a few of them, the costs are adding up. I put these on my CC and will collect the money before payment is due.

    The boy then went to our local indoor climbing centre where he burnt off some energy and had a really good workout. He absolutely loves it there however we don't go that often due to the price. Its 13.95 for one hour which soon adds up, plus the cost of drinks whilst there as you can't take your own.

    We then headed home and had pizza for tea before chilling out for the rest of the evening.

    Yesterday was pretty much a chill out day, aside from an ice skating lesson for the boy. I was rather tired and the weather has been awful which put me off doing anything outdoors. However I've decided I'm not going to let the weather stop us from getting out and about. I refuse to keep on paying for indoor activities as the costs add up rather quickly and my money can be used elsewhere. I need to be more imaginative with our outings and maybe get us out in the countryside/fresh air more.

    Today the boy has had his ice skating lessons and now he is off to his Nannys for the next couple of nights. I'm going to see manfriend later on and hopefully we will get out and about somewhere. I don't want to be stuck indoors again, I want to be productive.

    I've booked my car into the garage for tomorrow for its mot and service. A lot of places were quoting around 180-200 for both of them together. However after looking at comparison places, I've found a place where the cost is 140 for everything. The reviews for the garage were really good and positive so hopefully all should be okay. My car is only four years old so shouldn't really have any problems. My windscreen wipers may need replacing. So I'm saving around 40+ all in all. Whilst I'm waiting for this to be done, I am going to do a bit of shopping and see if I can find anything nice for my upcoming holiday. I won't be spending much and I'll most likely treat myself to a coffee or lunch somewhere. It will be good to spend time on my own.

    The boy has a ice skating test/exam coming up on Tuesday. I'm a bit nervous for him but whatever the outcome, I'll still be proud.

    My bedroom is coming together nicely now. We are at the stage of wallpapering and my new wardrobes arrived yesterday. So we will build them over the next couple of days. We then just need to go and choose a carpet. Once done, I am going to sort out through everything I own and be ruthless about what I want to keep. I want to get rid of all the junk that seems to just accumulate.

    It's nearly time to renew my budgets for the month. I've still got some funds leftover in different accounts which I'll gather together and put towards other expenses or maybe towards my holiday fund.

    In regards to spending money for my holiday.. I found some leftover euros from my last trip abroad. I counted it all up to find I had €98 which is a bonus and can go towards things whilst out there. I'll just use either my monzo account or one of my travel credit cards for other purchases whilst there. Manfriend is onboard about keeping costs down, at least we are on the same wavelength!

    That's pretty much it really for now. There are a few other things I need to get done this week so I have added them to my to do list. I'm going to book myself in for a hair and nail appointment ready for my jollies.

    So overall, all is good.
    Chandelier.
    Current Debt Repaid:
    104/619.

    Check out my Diary
    • savingwannabe
    • By savingwannabe 29th Apr 19, 8:05 AM
    • 13,974 Posts
    • 47,480 Thanks
    savingwannabe
    I saw this yesterday and I posted but it didn't make it across.

    I am glad you have having fun with little boy and also you are planning a holiday. Hurrah to having nails done!

    With regard to work try to get a union involved to make sure work aren't forcing you back early. Luckily you live with your mum so that is one less worry. I hope they will be sympathetic to you.

    Have a good day. I hope the weather is better by you.
    Christmas Fund 148
    Reminder: June Spending on fleabay 6.99
    • pinknsparkly
    • By pinknsparkly 29th Apr 19, 6:35 PM
    • 350 Posts
    • 823 Thanks
    pinknsparkly
    I second SW's suggestions about getting a union involved if you can, and failing that: is there someone at work that you are reasonably close to and can trust to discuss it with? I really hope it all works out for you, but you're absolutely taking the right approach with "what will be, will be" (an approach that I really need to get better at taking in my life!!).

    Where are you heading off to on holiday (I think I missed it in a previous post)? Free/bonus 98 euros is amazing! We've just got back from holiday and sadly spent every cent (well, I had about 87 cents left which I put in a charity box at the airport) so no bonus euros for me next time Have a fab time!!
    MFW 2019 challenge #99: 6,325.45 / 6,000
    MFiT-T5 (Jan 2019 - Jan 2022) challenge #99: 6,325.45 / 30,000
    Save 12k in 2019 challenge #99: 10,325.45 / 30,000
    2019 keep moving challenge: 232 / 1000 miles
    Last updated: 06/06/2019
    Initial MF date (18th Dec 2018): Jan 2054 Current MF date: Oct 2052
    • Chandelier.
    • By Chandelier. 2nd Jun 19, 9:46 AM
    • 930 Posts
    • 2,476 Thanks
    Chandelier.
    Morning,

    I can't believe it's been over a month since I last updated this diary. Time really does fly.

    I'm pleased to say that May has been a pretty positive month overall.

    I went on holiday with manfriend to Ibiza and it's one of the best holidays I had in a long time. I think we were pretty MSE and kept costs to a minimum. We did a mixture of making up picnics/eating in as well as eating out sometimes. We hired a car and explored the whole island, visiting many beaches and different interesting places. It was a really chilled out experience and I loved spending time with manfriend. We get on really well and have never had an argument or a crossed word. He just gets me really well and we somehow just gel well with each other.. I guess opposites to attract. We have decided there are plenty more places we want.to visit, so we've set aside some dates that we will both book off work and get planning. It's nice that we are planning things for the future. I'm really falling for him, he just gives me butterflies all the time and makes me feel good about myself, #gushalert .

    On the note of holidays, I still need to plan mine and the boys trip away for the Summer. I've held off a little while until I'm sure of what I want to do. I've decided to only visit around three places in Italy which we will choose carefully and I may take him on a break later on in the year in October half term. I think it would be a lot more manageable and realistic. We can always travel back to other new places next year. I'll still make the most of my annual leave in the summer, making sure I recharge my batteries. I can plan lots of days out and spread things out.

    Money wise, I've now gone onto half pay from work so I'm down around 300pm. I've looked at other areas where I can cut back and I've somehow made it work for the month.

    I've had quite a few spends including buying my mum a football season for 269 to say thankyou for decorating my room. She spent quite a bit doing it up but I now have a safe place to retreat to, somewhere I can relax.

    My CC balance is coming down and I'm making payments wherever I can as well as the monthly direct debit.

    I've also set up a standing order to put 25pm into a savings account for the boy. I know it's not a vast amount but every little helps and I'll no doubt making further payments along the way, where funds allow. I switched his account to one that pays 2% interest each month. I chose this one rather then one with higher interest as it's more easily accessible should we ever need to and it does not require a minimum amount each month.

    Once I'm back at work properly and earning my full wage again, I can reassess all my finances and hopefully put more away into savings each month.

    I'm still using different bank accounts for different purposes and it's still all working well. It just gives me several options with all the accounts.

    I'm going to make the effort of watching what I spent entertainment wise. I spend quite a bit on eating out and I want to review this where possible.

    Anyway, onto other things.

    I had a meeting at work earlier on in the week and we have discussed my return to work. I am aiming for the end of June/beginning of July which I'm looking forward to. I'll have a phased return to ease me back in. I'll be glad to see all my friends again.

    This month shall be a pretty busy one as it's my birthday. I've decided I'm going to celebrate it properly this year compared to previous years. I think me and manfriend are going to visit York and have an overnight stay on the day of my actual birthday which should be nice. I am then going to arrange a couple of other things with my friends and just enjoy myself. I'm also going to treat myself to having my hair done. I haven't had it done for over four months now, it could do with a trim.

    I didn't end up keeping up with the healthy eating/going to the gym as other things got in the way. I am now the heaviest I have ever been and it's been grating on me- I feel grim. I'm hoping to get back into a routine of some sort, one that is realistic. I'm not going to rush into anything as we all know slow and steady wins the race. I'm going to do a mixture of the 5:2 and 16:8 method and see how I get a long. It's the snacking I need to stop.

    I'm also proud to announce I am still smoke free after three months which is a massive achievement to me. This has more then likely contributed to the weight gain but at least I can do something about that.

    Anyway that's pretty much it for now. I'm going to focus on myself and the boy and plan all our amazing adventures.

    Bye for now
    Chandelier.
    Current Debt Repaid:
    104/619.

    Check out my Diary
    • Skint yet Again
    • By Skint yet Again 2nd Jun 19, 9:57 AM
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    • 19,238 Thanks
    Skint yet Again
    Good to hear you sounding so positive and good news on your relationship with man friend. I'm sure the weight loss will come when you are ready it obviously doesn't bother him. Well done on the continued no smoking and good luck with your return to work.
    Balance 0% credit card to pay 1360 898
    Emergency fund 0/500
    • thrifty-hayley
    • By thrifty-hayley 2nd Jun 19, 10:15 AM
    • 91 Posts
    • 279 Thanks
    thrifty-hayley
    Hi Chandelier

    Sounds like you are doing really well. Good luck with the phased return to work and well done on staying smoke free
    June Grocery challenge 67.09/100
    Emergency fund: 502/1000
    • savingwannabe
    • By savingwannabe 2nd Jun 19, 12:15 PM
    • 13,974 Posts
    • 47,480 Thanks
    savingwannabe
    Hello Chandelier hurrah for posting. I am so glad things are looking so good. This New York Trip sounds fab. Not smoking is a massive achievement and required lots of hard work I am sure. It's great that you rewarded your mum for the decorating. The savings account for the boy is great too. Happy gyming, take it easy at work and focus on nice things. The summer is here and things will be great. Hugs, sw.
    Christmas Fund 148
    Reminder: June Spending on fleabay 6.99
    • Chandelier.
    • By Chandelier. 9th Jun 19, 9:46 AM
    • 930 Posts
    • 2,476 Thanks
    Chandelier.
    Morning,

    I thought I'd post a weekly update. It's been rather quiet this past week and I've stayed inside for most of the time apart from going to the gym. I felt like I just needed a break from people.

    I have been productive in some ways in regards to sorting out travel plans.

    Manfriend has booked a night away to York for my birthday which I'm looking forward to. We will most likely spend two days exploring the sights. He says that there is a surprise so I'm left wondering what as I already know we are going. We'll see.

    We are also doing the Coastal 300 route in Scotland in the next few weeks so I have booked accomodation for that- its works out that we are away for 3/4 days. I shopped around for the best deals and found some really cool places which ate different. One night we are staying in a country house, then a b&b and finally a farm. I'm pretty excited and we have chose lots of different places to visit and highlighted it all visually on a map.

    I've made a rough plan of the trip to Italy for the boy and me. I have compared flight, travel and accomodation prices and wrote up a loose itenary. It still needs some tweaks though but when I added it all up, it all came to approximately 1,000 for us both. I'll just need spending money for the rest of the trip but will try to do it as cheap as possible. I'll crack on with this, this upcoming week.

    Overall, I have a few things I need to get done/sorted but will pace myself. I have quite a few appointments upcoming so I need to get organised whilst also fitting everything else in.

    I went to the doctors recently and we are doing some bloods to check if there are any underlying conditions going on in regards to my health. I have a few concerns but these have been listened to and dealt with which is good.

    I've not done too bad on the healthy eating front- it's not perfect but I've cut out the snacking and overeating. I've still allowed myself treats but more in moderation. I need to break the cycle of snacking and heavy meals but with all that's coming up these next couple of weeks it may prove quite hard. I'll try my best.

    In regards to finances, everything is on track. I've been keeping tabs of my savings and have moved funds around a bit. I have a bit of a surplus left over that I've put into my Monzo account just to pay for any added extras. I've decided that even though I'm saving, I'm still going to have fun and enjoy myself. I don't want to be too strict/obsessed with saving that I miss out on things but I need to find a healthy balance.

    The only other thing I've been focusing on is manfriends birthday. He is 28 this year so I told him I'll be buying that many presents. I've bought a few things so far, mostly related to inside jokes. I need some ideas on further things to get.

    But that's pretty much it for now.

    I hope everyone is well and I'll try to update this a bit more where possible.
    Chandelier.
    Current Debt Repaid:
    104/619.

    Check out my Diary
    • thrifty-hayley
    • By thrifty-hayley 9th Jun 19, 10:39 AM
    • 91 Posts
    • 279 Thanks
    thrifty-hayley
    Your trip to Italy sounds amazing and 1000 seems pretty good for 2 people. Definitely pace yourself, I know how overwhelming it can feel when everything piles up. I try to write everything down and divide it into chunks to make it feel more manageable.

    Well done on the healthy eating Also loving the 28 presents for 28 years idea!
    June Grocery challenge 67.09/100
    Emergency fund: 502/1000
    • savingwannabe
    • By savingwannabe 9th Jun 19, 12:13 PM
    • 13,974 Posts
    • 47,480 Thanks
    savingwannabe
    I love hearing about your travel plans. I would love to go to Italy. Happy planning and happy birthday for man friend.
    Christmas Fund 148
    Reminder: June Spending on fleabay 6.99
    • Chandelier.
    • By Chandelier. 14th Jun 19, 11:17 AM
    • 930 Posts
    • 2,476 Thanks
    Chandelier.
    Hello!

    I've had a bit of an up and down week this week with my moods but I'm glad to say it's improving now and I'm ready to celebrate my birthday on Monday! We have lots of things planned for the next week.

    I've had a couple of concerns regarding my physical health.. blood tests highlighted a couple of things which I've now seem a doctor about who has reassured me and referred me on to the appropriate services. I now feel a lot better for that. I've also decided to come off one of my medications related to my mental health- the cons outweigh the pros and it's not a decision I've taken lightly. I will look at alternate medications at my next consultant appointment and discuss my options then.

    Aside from that, things have been ticking along just fine. I've had a couple of spends here and there but nothing abysmal.

    I have a lot of events planned over the next 7-10 days to celebrate my birthday so I'll be kept busy. I head to York on Sunday where we will stay overnight and explore the city.

    In regards to the travel plans for the boy & me, I've finally narrowed our ventures down as follows:

    - Milan, 3 days.
    - Rome, 4 days.
    - Naples, 3 days.

    We will then travel back to Milan as the flights home are much cheaper from there (a saving of around 120).

    I've been researching and putting together loose internarys/places of interest that allows us flexibility. I've chose to stay in a less amount of places but for much longer so we have the time to explore more properly without feeling rushed. I've all sorts of ideas of what I'm going to do and which will get the boy involved. I'm going to make small quizzes for him to complete in relation to our adventures beforehand, gather some maps for him to read directions whilst there and lots of other little things in the run up.

    I just need to do a tiny bit more research and then I shall book!

    Although I wanted to visit more places and go for a longer time period, I've decided to be more realistic. I want us to fall in love with the country and get to know it bit by bit and create long lasting memories of each part. We can always go back in the future and explore other places. It's nothing to do with finances but it's looking at the bigger picture. What I don't spend can go towards further future adventures.

    Aside from that, there are a few things I want to get done over the next few weeks.

    I still have things in my room which need my attention and I'm ready to declutter. I have far too many old shoes which I no longer wear and I've decided I'm just going to get rid of them. I'm also going to have a sort out of other items of clothing and see what is what. My plan is to get rid of some things and replace them with new ones, things such as socks.

    Although I have lots of different saving accounts for different purposes, I don't put anything side for clothing. I've decided that's going to change and from now on, I'm going to put aside 25pm for this for the future. And when it comes to needing anything new then it can come from this.

    I'm making the most of the weather being dry and doing all of our washing to save doing it at the weekend. By hanging it out to dry on the washing line, its saving electricity.. every little helps .

    Our road trip around the south west of Scotland (Coastal 500 route) is all planned. Manfriend has been having some issues with his car so I think we have decided to go in mine which will give it a good run and will also encourage me to get my confidence back, driving in new places. We can both take turns driving and each enjoy the views.

    Tonight, I am off for an Indian meal with my friends as an early celebration for my birthday. I'm pretty excited and love a good Indian. It's not something I have very often.

    I have no plans as of yet for tomorrow and will discuss this with the boy later. I'm hoping to look at maybe doing something free or low cost that will get us out the house.

    We have been spending more time with each other as he hasn't had his ice skating lessons. These have been cut back due to reduced ice time so I am saving some money there. I'm going to just let it build up to give me a cushion for future lessons and other things.

    We have been doing other little things to save money. An example is we have a local ice cream place that do amazing milkshakes. We decided to buy the ingredients from a supermarket to make at home. The boy has enjoyed this and says he cant taste the difference.. we shall be getting our moneys worth.

    That's it really for now. I'm unsure when I'll next get the chance to update but I'll keep a close eye on things as I go a long .
    Chandelier.
    Current Debt Repaid:
    104/619.

    Check out my Diary
    • savingwannabe
    • By savingwannabe 15th Jun 19, 7:15 PM
    • 13,974 Posts
    • 47,480 Thanks
    savingwannabe
    Happy Birthday - it all sounds great. Really enjoy the holidays!!!! Wonderful.
    Christmas Fund 148
    Reminder: June Spending on fleabay 6.99
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