Debt Free Wannabe Teacher

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  • dfw87
    dfw87 Posts: 134 Forumite
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    Today:

    Not a NSD - saw some toastie pockets that I wanted for my lunch in the reduced section so made sense to get them now rather than the weekend.

    Got £4.47 from Crowdology so popped that in to my savings. I logged in to my Halifax account and was so impressed to see a feature that suggests how much money you will have left over when pay day comes - it analyses my direct debits, standing orders etc and told me - it's exactly what I thought it would be! Love that feature!

    Got another £3 Amazon voucher yesterday from Swagbucks - I find SB really irritating but actually the points add up pretty quickly!

    School was a nightmare today - children all over the place and I have tonnes of work to do.
    Since 'lightbulb moment' on 9th July 2017:
    Loan: £1,670.25/£20,043.00 loan - 8.33%
    £2,350.62 in savings
  • dfw87
    dfw87 Posts: 134 Forumite
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    Today:

    Not a NSD but I did do 5 hours at the bar straight after work so that will mean a little extra pay next Friday. Love being paid weekly for my bar shifts.

    My BF cashed out of Prolific so I got about £4.50 for referring him.

    This weekend I am going to Cornwall to stay in my caravan - hopefully won't spend too much and will have a relaxing time away.

    I've had very bad back problems in the past and have to go to the chiropractor regularly to stay on top of it - well, I've been slacking and I can tell - agony! So, I've got an appointment on Monday - £35 and then my friend who is an incredible masseuse is seeing me for free on Tuesday.
    Since 'lightbulb moment' on 9th July 2017:
    Loan: £1,670.25/£20,043.00 loan - 8.33%
    £2,350.62 in savings
  • zippygeorgeandben
    zippygeorgeandben Posts: 1,273 Forumite
    Name Dropper First Anniversary First Post Debt-free and Proud!
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    Please tell me you've opted back into the TPS?!
    Savings as of April 2023 Savings account - £26460.50(14474.88)Current account - £2140.24(4576.79)Total - £28600.74(19051.67) £1010 (£65pm CS/BS) £250 CS/BS/JS
  • dfw87
    dfw87 Posts: 134 Forumite
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    zippygeorgeandben wrote: »
    Please tell me you've opted back into the TPS?!

    I haven't yet - although I haven't actually had a pay packet without it... why?
    Since 'lightbulb moment' on 9th July 2017:
    Loan: £1,670.25/£20,043.00 loan - 8.33%
    £2,350.62 in savings
  • zippygeorgeandben
    zippygeorgeandben Posts: 1,273 Forumite
    Name Dropper First Anniversary First Post Debt-free and Proud!
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    Just one of the best pensions out there that's all, even consiering circumstances.
    Savings as of April 2023 Savings account - £26460.50(14474.88)Current account - £2140.24(4576.79)Total - £28600.74(19051.67) £1010 (£65pm CS/BS) £250 CS/BS/JS
  • dfw87
    dfw87 Posts: 134 Forumite
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    zippygeorgeandben wrote: »
    Just one of the best pensions out there that's all, even consiering circumstances.

    I know... I thought long and hard about it but I decided I needed to think of my short term goals for now and then look to the longer term. Thanks though! :beer:
    Since 'lightbulb moment' on 9th July 2017:
    Loan: £1,670.25/£20,043.00 loan - 8.33%
    £2,350.62 in savings
  • dfw87
    dfw87 Posts: 134 Forumite
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    Had a lovely weekend away - a few spends though. I worked on Friday night, then on Saturday I went to Cornwall to watch my BF play rugby and then my mum, brother and I stayed at our caravan for the night. We went for a lovely meal which myself and my brother paid for - that was £25 each. On the Sunday I got us all some ice creams. We had a great time walking and body boarding - was really lovely.

    Today was very costly! I had to go to the chiropractor so that was £32 - well worth it though and much needed. I had to park the car so I parked at M & S and then popped in after to see if they had any reductions. I ended up spending about £7 in the end on some reduced food but I will freeze this and it will mean I don't need to buy any meat next week. I got 8 x skinny chicken burgers, 8 x skinny beef burgers, cod in a garlic sauce (serves 2) and 2 lots of salmon flakes. Yum!
    Since 'lightbulb moment' on 9th July 2017:
    Loan: £1,670.25/£20,043.00 loan - 8.33%
    £2,350.62 in savings
  • Kittychick
    Kittychick Posts: 250 Forumite
    First Anniversary
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    That soundsikea good M+S haul!! We often stock up in this way, and like you I often feel like we have overspent, but the following week I'm glad of it!
  • dfw87
    dfw87 Posts: 134 Forumite
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    Yesterday was absolutely manic... work from 7:30-6pm, then to see my masseuse (she sees me for free - I love her!) and then to my cousin's house to have dinner as she was off to uni for the first time!

    Today, another manic work day but I am doing nothing this evening.

    I got a PA cashout - about £15, sold something on eBay for 2.99 - every little helps.

    However... I had to get my brake pads fixed today which cost £120 - ahhh! It does mean that this week I have saved petrol on two days by lift sharing and driving my BF's car... so I shouldn't have to top up my petrol this week hopefully. Also shouldn't have to do a full food shop I hope.

    What I have really loved today though is being able to pay out £120 for my car, £32 on Monday for chiropractor, £70 for my tyres the other day... and being ABLE to pay it. Out of my current account. No credit accounts, no savings... all my own money that I have made sure is available.

    OK, so it is £240 that could have gone in to my savings but this is real life!
    Since 'lightbulb moment' on 9th July 2017:
    Loan: £1,670.25/£20,043.00 loan - 8.33%
    £2,350.62 in savings
  • dfw87
    dfw87 Posts: 134 Forumite
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    Just popping in to say all good still... can't wait til payday on Monday!
    Since 'lightbulb moment' on 9th July 2017:
    Loan: £1,670.25/£20,043.00 loan - 8.33%
    £2,350.62 in savings
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