Real Life, Dating and Money!

Littlebirdie · 13 May 2018 at 10:34AM

Hey,

So went out yesterday and had a lovely day. Spent £14 on food yesterday in a restaurant and £9 on dinner. Annoyed at myself rushing from place to place to please everyone and overall I just get stressed and spend more money. I had dinner at home all ready for me. None the less I had a good night out. Think I spent £23 which tbh I would have liked that to be under £20 but that's London for you. I did walk there and back which would have saved ~£3

Today I'm going out with some friends - been planned for ages - so annoying. I'm feeling greatful for having so many friends though - its a nice feeling. I'm going to have a frugal week though!
So:
Use freezer meals for the week. Any nights where I don't what to do I'll do a cheap pasta dish using things from the cuboard and freezer.
So from S@insburys I just need to get lunch stuff AND loads of snacks to stop me buying out during the week.
I'll also send my ebay sellings - I reckon after postage and packaging I'll make £10 so no biggie. Also want to return that clothing item to give me £12.

Next weekend look quite and the weekend after too SO looking gorward to them.

So annoying my m00n cup didnt work out. Could have saved me soo much money - on well at least I tried.

No dates this week which should also save on the money front!

This week I MUST sort out my LISA!

So things are not good on the spending front! I'm trying to stay positive though as if I become negative I will just bury my head in the sand and spend more. Noone wants to to have their head in the sand!

This week I want to try and put another 4 items up on eb@y.

Have a good week everyone

Littlebirdie · 14 May 2018 at 6:44PM

So we have progress :T

£40.41 made on ebay so say ~ £12 for postage (being generous) leaves ~£28 to be paid of creditcard bringing it down to just under £1000 and that's not inc the amount I have saved on travel or taking those clothes back which I really need to do. One problem - I cant find my bank card anywhere. So annoying as I want to see that balance lower! Thats the thing with touch payments on Appl$ you pay less attention to where your card is.

Eb@y stuff all packaged and ready to go :A

In a grumpy/angry mood (I really portray myself well on here don't I!? :rotfl: ) so I comfort bought and ate. In my defence though rather than buying one over priced item I bought a multipack thinking they would last me three days but of course I ate all three :rotfl: ) so lesson learnt don't buy the ones with chocolate in them!

Nearly bought bread for my freezer soup but then remembered I had crackers so used them. Proud of myself as really fancied the bread :T

Trying to sort out my LISA but proving difficult. I now have to fill out more forms - so cross :mad: I could go on and on about this but I will save you from moments of boredom.

Really enjoyed my lunch today. Glad I have it for the rest of the week

Gonna go to the gym and imagine I am punching a few heads

This weekend must:
Sort out coat
Put more items on ebay - I've got three in mind

Have a nice evening all!

Littlebirdie · 19 May 2018 at 7:16AM

Hi,

So its been a better week. Had a friend around and spent ~ £25 on food and tbh it was a much better night than if were to have gone out. Pretty much all of the food was from Lid! and it was delish! Have spent less on eating at work, probably because my mood is better and I have brought in a lot more snacks. Did a good 20 min tredmil session last night and has made me feel better to.

So this weekend is another busy one but I have got so much to do in terms of admin.
The priority is sending the eb@y things. They are kind of late:o

So 12 days left of this month until pay day and I have £132 in my account + £12 on M0nz0 card. So say £144.

I'm going to spend
£50 on food for the two weeks
£35 on travel
£40 on socialising
£16 postage for eb@y things

Have I forgotten anything?

So its going to be tight - I'm going to really try and save on the food.
Today I will get free lunch and free travel for doing a little bit of work for free which is nice.

Right ahve a good day everyone!

Littlebirdie · 19 May 2018 at 7:32AM

So OFCOURSE I forgot something!:rotfl:

I need to get my waxing done - total luxuary although I have gone without it before and actually I'm just worse off. I like swimming so its important.

I bout some for £16 on treatwe!! and got some cash back - small amount but every little helps. So I am defo going into my overdraft!

One thing sold on eb@y but the person doesn't want it so if I put that up I'm pretty sure it will sell for ~ £8 so that is something.

Right lets go and smash this day :j

Littlebirdie · 19 May 2018 at 4:37PM

So, weekly shop done £14...we'll see how long that lasts me but it is accepting that I will be using up freezer items. Also going to bake for work this week so that will take a bit extra.

Also bought my fav magazine £4.30...I go through phases of liking it so thinking I might just get a subscription... hmm we will see.

Put up some more items on ebay *fingers crossed they sell*

Weather is beuat today!

Littlebirdie · 22 May 2018 at 7:00PM

This month just isn't great

I'm looking forward to a fresh start tbh.
I'm just feeling moody. I called a friend and got it all out - felt better afterwards. I think I'm better when I am around people.
So day spent ~ £3 at work comfort eating.

I then went to S@insburys and bought shopping ~£4...I've literally just signed up for a nectar card. My M0nz0 told me that I ahve spent ~ £500 in s@insburys - the amount of points I could have had :eek: I did have freezer food defrosting but I just wanted something different.

Went berlistic on the phone to Skipt0n - they have been appauling at sorting my transfer. Bascially it should been sorted last tax year but due to their poor communication it's rolled into this tax year. The lady was going to allow me to transfer £4000 and by that not be able to save any extra money this tax year - what was she thinking!? :mad: I'm fuming and will be letting them know about it. Its really frustrating as I was switching to a L!SA as you can save £4000 a year but with a Help to buy ISA you can only save £2400 so I was aiming to save an extra £240 a year once my pay went up in August. Its not loads but its something. Theoretically I could put it into another account but I would be worried I would touch it.
She said she is going to speak to her manager and see what she can do - I am determined to win this! :cool:

So one thing has sold on eb@y which is good! £4.99 - I've had a few offers for £5 and £6 but I know it will sell for more so I declined :money:
I have something on sale for £0.01 so that it is a quick sale but due to the item the postage is greater than £10 - someone messaged me asking if they could come and pick it up to save on postage - :rotfl: seriously its selling for 0.01p - Ive got to make something on it :rotfl: s that made me laugh! Ofcourse I said no - made an excuse.

I havent had a payout on T0pcash back in a while - frustrating as would like to see at least one of my accounts going up in money :rotfl:

So I currently have £22 on my m0nzo card - I think I am going to leave that for the last few days before payday so I can truely see how far I am into my overdraft

I then have £42 left in my main bank account. Yep so I reckon I am going to need another £50.

Oh I had every intention to take back the underware but I was wearing my old underware and I had rubbing in places that you dont want to know about :rotfl: so I had to open the box

. Annoying to say the least.

I'm struggerling to see the positives in the future at the minute - its so silly as there is lots of great stuff. I had one of those moments a few days ago where I was like - Uh oh, I'm getting to near my 30's and not really content with my life. It's so silly as I've actually achieved a lot but I'm just not feeling it at the minute. I'm sure it will all work out. Just need to take it day by day :A

Littlebirdie · 23 May 2018 at 5:29PM

So today was a better day :j

Good news from skipt0n is I can transfer last years amount and still save upto £4000 this year. Happy days! Yesterday they mentioned that they would give me compensation for all the hassle but they forgot to mention it today so I called back and they would get back to me. They only offered £10 but well its better than nothing!

Today was a MUCH better day! I didn't buy from the work canteen and snacked less - just goes to show how much mood affects it.

I could buy milk but actually I am going to hold off and see if I can have something else for BF. I know I will go in and find 10 other things to buy

So I'm having an underware issue :rotfl:
Basically where I have put on weight I'm inbetween sizes and my underware is rubbing - even my new one! So I have to start paying more awareness to my eating. Motivation has been a big issue but now that the weight gain is causing my significant pain this might motivate me further.

So my most recent balance on my main account is £31.99 and that is defo gonna go down further. That is to last me another 7 full days :rotfl: no chance ...my reaction should more be like :eek: .

I'll get ~ £3 from eb@y sales and then I must email about my expenses! In fact let me do that now...that will be an extra £11.20 - hoorah!

I feel more optimistic today

Littlebirdie · 24 May 2018 at 5:41PM

Hello :wave:
So today was a better day in terms of my mood - was listening to a podcast about positivity and it seemed to have helped.

I just couldnt face my lunch

I bought lunch at work £2.75 with staff discount which isn't bad at all. I'm not going to be too harsh on myself for the - probably the first time I've bought lunch at work in the last 6 months.

I'm going on a date tonight - I'll be on the soda water with mixers to keep the cost down. Also I feel so much better after having soda water added to drinks rather than having wine so making sure I look after myself. Not too excited about it but then I never am.

My balance is: £14.74.. not great. That wont be inc today travel which was £5.20.

I'm proud of myself though - this is the most I've kept an eye on my balance the last few days before payday in a LONG time.

I'll switch over to my M0nzo card when I am down to £0... then when I have to top up my m0nzo card I'll have a greater idea of how much I am into myoverdraft.

Still waiting for my second eb@y thingy to sell - I'm so curious.

Friday tomorrow - SO HAPPY :beer: although no beer for me and just a free gym clas - more excoted to go to that the pub :rotfl:

Cheap dinner using up bots and bobs.

Have a good weekenend all

Littlebirdie · 25 May 2018 at 5:29PM

So I've had to buy some new trainers as my old ones are just knackered. £55 - got them half price, through a cashback site and hopefully an extra £2.50 for buying something than £5 on a bank holiday weekend. Just got an email £4.44 of cashback

I'm tempted to take out of my emergency fund but I HATE taking money out of that account. I might just accept the hit and work my socks off on my second job.

Also adding travel money onto the card tonight for a weekend away. Urgh, just need to keep on track and spending money WILL SLOW down...cheap weekend this weekend and turned down a few social events.

Date last night cost like £9.90...should have got a soft drink on the second round as really was not enjoying my time there and saved me a bit of money.

So my new main account balance is withdrawn by £17 and I reckon this weekend I'll spend ~£10 on food (spent £11 already today on food for weekend and next week), £16 on waxing, then £5 on travel, £20 drinks and then next week I'll go to my monzo.

So lets estimate that I'll be overdrawn by max £100 :eek:

This. is. not. good.

Next month I have to look at my spending habits :mad:

Littlebirdie · 26 May 2018 at 7:56AM

So next month, lets get planning.

Income: £1836
Rent: £493
LISA: £200
Travel (work): £65
Restaurants/takeaway: £60 (hoping to not eat out next month)
Council tax: £56
Weekends: £200
Eating/drinking on the go: £50
Alcohol: £60
Travel (not work): £50
Gym: £45.50
Holidays: £40
Food:£120
Coffee: £30
Emergency savings: £30
Waxing:£30
Dentist/prescriptions: £20
Beauty: £20
Christmas: £20
Gifts: £20
Hair: £10
Phone credit: £10
Contact lenses: £8

So on a positive note, I've noticed that last month i spent ALOT less on coffee because I have been bringing it from home so that is really good. I also need to have a think about travel as I'll be going to my friends and coming back from the airport. Dont know if to get airport train or coach - coach is much cheaper BUT so much longer.

I'm looking forward to my mini savings accounts going up - they have taken a hit in recent months.

Right time to think about lunches and dinners for next week...

Next month I do need to think about some very basic bots for holiday.

Real Life, Dating and Money!

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